| 08/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I want to amend my first complaint against Toyota. This is the new affidavit which is notarized and certified mailed to all the companies involved with these matters, including XXXX XXXX XXXX, XXXX XXXX, and the XXXX XXXX Police.
AFFIDAVIT I, XXXX XXXX XXXX who is XXXX XXXX years of age declare that I am a XXXX XXXX XXXX of any jurisdiction of any County, State, or Nation. I assume no financial or physical liability for any business trust any corporation/person/business has ever set up for me. This would deem any debt to belong to whoever transferred this information into a business trust unknowingly and without consent from XXXX XXXX XXXX and took it upon themselves to address this sentient woman under a false name and try to hold XXXX XXXX XXXX liable for their actions. XXXX XXXX XXXX is not the surety for XXXX XXXX, only the beneficiary for.
This affidavit will stand as testimony of the facts and sworn to be true statements pertaining to a XXXX, XXXX XXXX, automobile seizure with the last 6 digits of the VIN being XXXX, on XX/XX/XXXX from the residence cited above. The companies/corporations involved with the seizure of said vehicle shall be listed and legal claims will be made upon the following businesses : 1. Toyota Corporation/TFS under any/all affiliated names of Toyota involved with these matters to be addressed within as TFS, with the given address as : XXXX XXXX XXXX XXXX TX, XXXX XXXX 2. Loss Prevention Services to be addressed within as LPS, or any business identity affiliated with LPS, with the given address as ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, listed as XXXX XXXX XXXXXXXX out of XXXX XXXX Let it be known that the XXXX company will not identify themselves or provide any further information about their contact information ; I have however XXXX XXXX which was listed on the door of the tow truck and the address listed is : XXXX XXXX XXXX. XXXX XXXX, NJ XXXX. Proper service processing shall be deemed attempted but impossible to verify until such disclosures are made available. This affidavit shall stand as legal notice in lieu of the ability to directly process serve this business with the intent to file suit of, but not limited to : trespass, theft of a vehicle, identity theft, and the legal claims left on the windshield before the theft, upon XXXX, or the towing company who came on my personal property. XXXX. XXXX XXXX Police Department, address ; XXXX XXXX XXXX, XXXX XXXX, NJ XXXX.
I, XXXX XXXX XXXX swear that everything within this document to be true and factual to the best of my knowledge.
Statement of Facts is as follows : 1. On or before XXXX of XXXX, I made contact via notarized, certified, return receipt mail with Toyota Financial Services and CEO of Financial Services XXXX XXXX. In this communication I asked for, but not limited to : the original of the contract, and all financial disclosures, with break downs of the financing within said original contract to validate any financial claims being made. This said notarized document/affidavit that I presented to TFS included an allotted amount of time for them to provide me with this information or it shall be deemed acquiesce. To date they failed to produce any information other than a copy of a contract in which does not appear correct. I requested/required the original that was submitted from TFS to their financier or underwriter. At this point acquiesce was acquired as per law, and TFS should be held to the same standards as anybody else, when ignoring legal financial verification. Acquiesce is proof of guilt and should be treated as such.
2. I claim ; and have reason to believe that TFS had created a fraudulent contract and under deceit willfully contracted with me. Under 15 US Code 1605 Determination of Finance Charge it clearly states all finance charges must be on a separate piece of paperand sum of all charges must be included with the financing, section 5. States premium or other charge for any guarantee in insurance protecting the creditor against obliges default or other credit loss. This has been my point of contention since the inception of inquiries regarding said contract, yet I never received the finance charges broken down properly on a separate piece of paper as well as sum of all charges were never included in the financing. All communications sent to TFSXXXX XXXX and associates were always notarized, and certified mailed with a time allotted for production or acquiesce shall deem TFS guilty of fraud. They never responded or made any legal claims to date, deeming them guilty by acquiesce and the law.
3. I am claiming under 15 USC 1692g ; Validation of Debt it claims within that a portion of the finance charge consisting of the amount equal to a discount of 5 % or less of the stated price in full within a stated period of time in connection with a sale of a particular goods or services for which credit is not otherwise available from the merchant shall not be in the finance charge for the purposes of determining the maximum rate of finance charge with respect to purchases not paid in full. I need proof this did not happen.
4. I am making the claim that I was never presented with the original contract, or the contract that was made available to whoever serviced the loan/underwriter and will need these disclosures. If credit insurance was placed on this loan and charged to me which it appears happened, this would be fraud, and needs to be proven it did not happen.
5. I claim that under XXXX XXXX XXXX XXXX : ( 1 ) Ignorance of the law excuses not, and ( 2 ) Ignorance of law excuses no one. Acquiesce has been formed as can be proven by the numerous notarized correspondence attempts made by myself to TFSXXXX XXXX to rectify these concerns, at which point a conditional acceptance may have been agreed upon, but only due to a lack of production on TFSs end have we come to this point. All acquiesce requirements have been met to prove TFS guilty of any/all claims.
6. Since acquiesce has been formed, I should be granted ; as per the law, any/all legal claims to the automobile which should include : 1. the free return of said vehicle to the property it was taken from, or if sold a new replacement 4-Runner, 2. the entirety of the contract voided, and a refund issued for any/all payments that were made, 3. The title relinquished for said vehicle to XXXX XXXX ( if the vehicle in question is returned to me, ) if a new replacement is provided it should be free and clear of any/all fees, or expenses incurred. 4. Refund for all expenses incurred due to TFSs, LPS, XXXX, and the XXXX XXXX Police Departments actions on XX/XX/XXXX which would include my fee schedule and car rental costs. I am making the claim that TFS has completed a charge-off, as well as repossession without a court order.
7. I claim that my sixth amendment rights have been violated by all parties included. I have attempted to obtain any/all information pertaining to a court date in these matters and have been ignored in my attempts. The sixth Amendment clearly states a parties ( defendant ) sixth Amendment Right to attend his own trial was so absolute that, regardless of how unruly his conduct, he could never be held to have lost that right so long as ( he ) insisted on it. Illinois vs. Allen Court : U.S Date published : XX/XX/XXXX, 397 U.S. 337 ( 1970 ), 90S. Ct. 1057. I have the unalienable right to face my accuser. TFS has deemed me guilty, yet not allowed me the right to face the charges, and had my private property seized off of my private dwelling without proof of a proper warrant. TFS, LPS, XXXX, along with XXXX XXXX Police Department assisted in these illegal actions. I will need to verify the wet-ink signature, proper warrant that was issued, and any court dates pertaining to these matters, as I have reason to believe these do not exist. If, if fact these do not exist or were not generated before XX/XX/XXXX, entry onto my private dwelling shall be viewed as trespass and a violation of many of my Rights, and treated as such as reflected in my fee schedule that was provided to all included in this case.
XXXX. I am claiming that TFS never obtained permission from me to disclose any/all personal information under 15 USC 6802- Obligations with Respect to Disclose Personal Information, that states opt-out, a financial institution may not disclose non-public personal information to a non affiliated third party. All three of these companies committed identity theft. Because TFS, LPS and XXXX XXXX all colluded with the XXXX Police Department in the theft of a vehicle without a proper court order, as well as provide my personal information which includes my name, address, codes, or banking info ; identity theft Under 15 USC 1692 ( B ) ( 2 ) was committed, it clearly states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location info about the consumer shall not state that such consumer owes any debt. As well as 15 USC 1692 ( C ) ( A ) that states : a debt collector may not communicate with a consumer in connection with the collection of any debt. I claim TFS, and LPS are debt collectors. Once they took actions that resemble debt collectors behaviors such as contracting out to third parties to collect on a debt, usage of legalese and claims of not being a debt collector should be legally argued.
9. I have reason to believe and make the claim that ; within the Unfair Practices statues and regulations under 15 USC 1692F where it states taking or threatening to take any non-judicial action to affect dispossession or disablement of propertythere was no present right to possession of the property claim as collateral through an enforceable security interest. I am making the claim that since I was not able to present myself before the court to defend my actions pertaining to these matters, there was never a proper judicial order in place for these events to occur, deeming them all illegal and grand theft auto. I am also making the claim that just because these actions are common place within our society that does not make them legal. There are procedures and protocols that must be adhered to within the law, in this case many laws were broken and many of my personal Rights have been violated by all named businesses in this case.
10. I am making the claim that TFS has information pertaining to the Gap insurance that is reflected within the copy of the contract TFS provided to me, and it appears to have been purchased and paid for by me. TFS has failed to provide me with the insurers name or contact information so I can make a claim of theft on this vehicle. Since the contract was null and void due to acquiesce on TFSs part this claim should be a viable claim, as theft seems to have occurred.
11. I am making the claim that TFS has repossessed said vehicle so they should have provided me with a 1099, and a 982 form and to date have not done so. Since TFS took the actions to repossess this vehicle it very well may provide TFS a better financial standing in these matters. Therefore I need the full disclosures of all financial matters between TFS, the Underwriter, and any insurance claims or tax write offs that have taken place, and a 1099C should have been or be applicable to this case.
12. I am making the claim that I need the underwriters full contact information, as well as any/all attorneys full contact information including their bonds/insurance information, bar numbers as well as their foreign registration act of 1938 filings ; that
I am demanding be filed as of receipt of this notice.
13. I am making the claim that the Rights notice which has not, to date been provided to me via certified mail, but was electronically sent appears to be factually inaccurate. It appears TFS is claiming I owe {$10000.00} in Unpaid Gross Balance under your contract ( includes any accrued and unpaid finance charges ) as well as {$910.00} in repossession cost for a total of {$11000.00} before storage and towing fees. I would need verification in the form of a financial break down of how TFS came to these figures. Once TFS is able to provide me with all their financials pertaining to this vehicle including any insurance claims, tax write offs or any other deductions/claims TFS has made on this vehicle is when we can start to come to a factually correct Redemption cost. If this Redemption claim is factually inaccurate it should be further proof of fraud on the part of TFS. Redemption requirements include but are not limited to : any time before the disposition of the collateral, a debtor may have the right to redeem the collateral by tendering full payment of the obligation owed and all reasonable expenses incurred by the creditor ( Sec. 12A:9-506 ). I claim that since I was never informed or notified of these actions that were in place to collect my vehicle, I was never able to redeem. Notice of Intent under ( Sec. 12A:9-503 ( 3 ) states Reasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtor. Which clearly states TFS must give me reasonable notice of the place of the sale, since I am the debtor. As per ( CO-56 ) Liquidation Documents ; Writ of Execution must be stamped True Copy and signed by the Clerk of the Court, copy of posted notice of sale and original title. I will need proof of all of these orders being followed, as I have reason to believe they have not occurred.
14. I am making the claim that under Rights of Rescission as stated in 15 USC 1635 when you enter into a contract certain disclosures need to be provided I believe, and therefore need proof that TFS did not provide a fraudulent contract, which would allow me certain rights to withhold payments until the contract was amended and the all financing and disclosures were made available to me. The Right to withdraw my performance from what was thought to be a faulty contract while waiting for verification of the claims of the contract was well within my rights. I am claiming if this contract is not deemed null and void due to any of the above listed concerns as well as acquiesce on TFS part, then I am asserting and claiming my right to rescission.
15. I am claiming that I hold proprietary interests in said matters, and I have endured damages and hardships due to TFS, LPS, XXXX and the XXXX XXXX NJ Police Departments actions. My time is not free, as we all value our time and our 5 basic human rights to : freedom to life and liberty, freedom from slavery and torture, freedom of opinion and expression and the right to work and education. I have provided TFS with my Fee Schedule in XXXX, and will require TFS, LPS, XXXX, and the XXXX XXXX Police Department individually to be subjected to all fees within ; as I will provide a notarized copy of said fee schedule to each listed in these matters again. A minimum of XXXX XXXX XXXX dollars a day will also be added until I am fully restored back to my original state of affairs ( meaning return of said vehicle to the property, with title and free of charge ) from their harms as an expected pay for my time and efforts and injuries from all listed in these matters.
16. I am making the claim that the XXXX XXXX XXXX that was removed from my personal dwelling was done without the proper court order, an appearance from me to defend myself, all by means of identity theft and improper disclosures of my personal information to outside companies, as well as TFS acquiesce in all matters since inception of my discovery of financial disclosures would be well within my rights to demand that said vehicle or a new vehicle if that one was/is sold be brought back to my dwelling and returned immediately, or fees will incur daily from each of these entities individually who violated my rights to peace and freedom, as well as my right to face my accuser.
17. I am making the claim that LPS, XXXX and XXXX XXXX NJ Police Department did not have all the proper court orders, documentation, or knowledge as to the communications or acquiesce from TFS therefore deeming any actions they took as per TFSs demands illegal and in violation of my rights. I would need to have provided to me all the communications TFS had with LPS, XXXX, and the XXXX Police Department, including all communications LPS may have had with XXXX or XXXX had with the police department to date pertaining to these matters to validate any claims or legal rights any of these businesses may have had to take such actions.
18. I am making the claim that XXXX XXXX Police Department did not have all the proper court orders, documentation, or knowledge as to the communications or acquiesce from XXXX therefore deeming any actions they took as per any of the listed companies demands illegal and in violation of my rights. I would need to have provided to me all the communications TFS and LPS as well as XXXX have had to date with XXXX XXXX Police Department pertaining to these matters to validate any claims or legal rights the XXXX XXXX Police Department had to assist in any of these claims. I will be placing a FOIA request for any/all communications between these companies and the Police Department , as well as the body cam footage, and verbal exchanges made during the theft of my vehicle.
19. I am making the claim that under UCC 1-308 I reserve all my rights and always have.
20. All listed will have twenty days ( 20 ) to respond to this affidavit, or acquiesce will be deemed.
EQUITY REGARDS SUBSTANCE RATHER THAN FORM.
In closing, and under penalty of perjury, I am hereby swearing to all matters listed above and declare all within to be fact and truthful, my hand to God I hold to be true.
This is also a chronological breakdown of all my attempts to rectify this situation and TFS never responded to any of my notarized, certified mailed affidavits to bring this case to a resolution.
Chronological Timing of Facts and Correspondence to be included in Affidavit 1. XXXX Received letter from XXXX XXXX pursuant to request a copy of your contract. This letter was not signed by a person, just Toyota Financial Services. Arbitration Provision was never signed by me. I never contracted for any arbitration provisions. 4D. Gap insurance = {$450.00} ( which I paid for, therefore I am entitled to ), G. Government taxes = {$7.00}, XXXX XXXX XXXX = {$240.00}, Total Other Charges & Amounts Paid to Others on your Behalf = {$810.00} ( need to know what this is, but would not answer my financial break-down questions but stated they did not have to answer them because they are not debt collectors. This contract does not show insurance included within the financing, by law where it states sum of all charges insurance needs to be included.
XXXX. XX/XX/XXXX I sent the coupon TFS provided me back with paid in full amount written on it for {$10000.00} TFS denied the payment which deems it PIF.
a. XXXX to XXXX XXXX, Notice of Claim with 15 days to respond or acquiesce. Certify mail # : XXXX XXXX XXXX XXXX XXXX. Never responded. TFS is guilty as per acquiesce since XX/XX/XXXX.
XXXX. XX/XX/XXXX Received letter from XXXX XXXX, XXXX XXXX XXXX that stated in receipt of my XX/XX/XXXX correspondence where he confirmed no acts of fraud have been committed by TFS, but TFS is not legally required to provide documents to validate this debt because they are not debt collectors ( This is the most absurd claim ever. XXXX XXXX who works for Toyota is telling me, he promises there is no fraud, but I dont have to prove this to you, just pay and shut up. I have the right to question any claims or financial disclosures placed upon me, and I did but they would not provide me with proof. This letter is proof of my attempts and their lack of attention or disclosures. ) see exhibit A XXXX. XXXX I sent Affidavit of Facts, and Affidavit of Status, and my Fee Schedule certify mail # : XXXX XXXX XXXX XXXX XXXX and this document gave TFS 3 days to respond or acquiesce. TFS never responded, by law they deemed themselves guilty as per acquiesce.
XXXX. XX/XX/XXXX I sent TFS Notice to provide personal information, Motions & Actions Notice, Letter to TFSXXXX XXXX that included 1. Notice to Agent & Conspiracy against Rights notice all notarized, with 15 days to respond or acquiesce. Never responded so deemed guilty as per the law.
XXXX. XX/XX/XXXX XXXX sent me a letter signed Toyota Credit Corporation stating my request to limit phone communication. This letter did not make the claim that they could not send me mail, or communicated via email. TFS just could not call my phone anymore. Communication was still available to Toyota and they never notified me of any actions.
XXXX. XX/XX/XXXX I made a mail fraud complaint and mailed a copy of it to TFS.
8. XX/XX/XXXX I sent back their coupon for {$10000.00} for full payment of the loan and told them to take it from the business trust made under the name of XXXX XXXX and never agreed upon by XXXX XXXX to be the surety for, only the beneficiary of said trust. The business Trust made under the name XXXX XXXX, was never agreed or contracted on.
9. XX/XX/XXXX I sent a letter to XXXX XXXX, stating my right to Regulation Z, Rescission of Offer since TFS failed to provide me with the original contract and the breakdown of the financials as well as the percentages, as per law must be presented on a separate piece of paper and provided. This letter provided XXXX XXXX and his staff 3 days to provide the original contract or acquiesced would deem TFS guilty of a fraudulent contract. TFS never responded.
10. XX/XX/XXXX I received via USPS a bill from Toyota for {$1500.00} XXXX. XX/XX/XXXX XXXX XXXX Department sent me a letter claiming my letter to them claiming to be the beneficiary, Notice to agent, notice of intent, my fee schedule did not satisfy my financial obligations and they would need to hear from me in ten ( 10 ) days. ( TFS has not responded to anything I have had notarized and return receipt mailed, my requests for a breakdown of charges, or validation that this loan was not fraudulent, yet threaten me that I had to contact them within ten days or else, I never made any claim that these letters were sent in lieu of payment. All I ever asked for was a validation letter which they would not produce, and still wont produce. ) 12. XX/XX/XXXX I sent TFS a Notice of Intent to File Suit, giving them 20 days to respond, reiterated that a fee schedule was already sent, but I sent another copy of it within this communication, I asked for the original contract again, I wanted any charge-off information and told them if they could not provide me with this simple information they needed to surrender the title to me and clean off any credit claims they had made. TFS never responded 13. XXXX Received letter on XX/XX/XXXX so I responded with Affidavit of Facts, a copy of the letter they sent to me from the fraud department, a Notice of Claim that was sent XX/XX/XXXX, Affidavit of status, and a copy of my mail fraud claim. TFS never responded.
XXXX. XXXX I sent a certified letter mailing # : XXXX XXXX XXXX XXXX XXXX to respond to the letter I received on XX/XX/XXXX. Another Affidavit of fact that was notarized and legal with 10 days to respond. TFS never responded.
XXXX. XXXX Fraud Department sent a letter stating a. fraud form of payment b. not recognized any courts in USA , c. valid legal obligations, d. schemes and they had to hear from me within 10 days or they would inflict collection and attorney fees on me, this letter was not signed by another person. ( For the record, once again TFS is demanding I produce something while all this time they have never responded to any of my notarized, and certified mailed affidavits with allotted amount of days to respond or acquiesce would deem them guilty of fraud. ) 16. XXXX Received a bill for {$2000.00}, in which they still have not provided me with any debt validation as requested.
17. XXXX Received letter from Toyota Credit Corporation stating that they were going to do a charge-off and redeem any optional vehicle protections to reduce the price I owed them. This letter was not signed by another person and produced no validations of debts.
18. XXXX I certified mailed # : XXXX XXXX XXXX XXXX XXXX a response to a letter asking again for debt validation. This letter stated that as per the law once they make a debt claim against me they must produce a debt validation letter within 5 days after the claim, in which I never received. TFS never responded.
As of XX/XX/XXXX TFS contracted with LPS, and XXXX XXXX company, while the XXXX XXXX Police force assisted in the removal of my vehicle off of my personal property without a warrant. I have sent many written requested to TFS and LPS concerning these actions and have not heard back from any of them.
I believe it is clear to see that I took every possible means of coming to a resolution in these matters, TFS has not taken any action on legally notarized affidavits, nor have produced any debt validation to date, while only claiming that because they are not debt collectors they do not have a legal responsibility to provide me with these financial disclosures. Since TFSs will not provide me with these requested documents and has acquiesced numerous times, I have no reason to believe this contract was ever legal and has always been fraudulent and TFS is attempting to hide these facts.
TFS must be held accountable and I am making the claims that after many attempts to rectify this situation it has always been TFS that has not been truthful or accommodating.
As per acquiesce TFS is guilty as per the law, and if time limits can be placed on me or I am considered guilty, so must TFS be held to the same standards.
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| 08/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I am providing a lengthy letter that I wrote, and will mail to XXXX XXXX, Vice President of XXXX XXXX XXXX. I will remove my name anywhere in the letter.
XXXX XXXX, Vice President of Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, CA XXXX XX/XX/XXXX Dear Ms. XXXX, It is with incredible angst and extreme frustration that I find myself writing this letter. I sincerely hope that you are a reasonable person with integrity who will choose to fix what I have presented here ; and that you will listen to this story, and act upon it expeditiously, in a manner that is positive and satisfactory.
My name is, and I am on medical XXXX, I just lost my job, and I was hacked. I tell you this because due to these extenuating circumstances, I really needed and need to rely on the help and support of XXXX XXXX XXXX customer service team with its website and other support to help ensure payments were and are being received during this very difficult time. I have a hard time monitoring day-to-day tasks, and I hoped I could rely on XXXX to provide suitable assistance. My only request that the marker on my credit report be removed.
Not only was I not helped, I was dismissed, lectured, and bullied. Now I find out, after all this, that the recurring payment system, which unknowingly shut down on me before -- causing inadvertent missed payments, took out unsanctioned money that is more than twice my monthly payments! That is beyond unacceptable, that is money I do not have, and I now find myself in a tenable situation.
If I may, I will expose to you the first big issues that arose ; then afterwards, I will explain about the most recent issue regarding the unsanctioned payment. If you will kindly bear with me, this is quite lengthy quite a few pages. Im sorry, because due to my circumstances, it is hard to concentrate, and it is actually easier if I present the events conversationally from the notes I have taken. I regret that I am not able to condense this in an eloquently, concise manner. I thank you in advance for taking the time out of your busy schedule to give this the attention it deserves.
Everything started because my very first recurring payment did not go through ( beginning in XXXX, then in XXXX ), and a credit marker was very swiftly placed on my record. The story escalates after I reasonably requested that this credit marker to be removed, and thats all I was asking for. I have worked extremely hard to achieve my excellent credit score, and especially now being in the extenuating situation I am in, it is more important than ever to have great credit. I have appealed to multiple customer service representatives and supervisors even at the corporate level, and I am literally being slammed into a wall.
For your review, I am including screen shots, the initial letter sent to your credit dispute department, and copies of the emails I have sent. I hope they prove helpful. There are also a multitude of phone calls I have had with your team, that have also been indicated, but to which I have no recordings. I have also enclosed my XXXX notes and even a letter from my former employer to show I am speaking truthfully and sincerely about my predicament. I will work to acquire a letter from my doctor that outlines what my issues are, because no one seems to understand or to be listening to what I am telling them!
Additionally, I am copying my lawyer on this correspondence because aside from the egregious and unfair treatment and inflexibility XXXX XXXX XXXX has been showing me, he needs to be made aware that your company has literally exacerbated my medical condition adding to my pain and suffering. Not that I want to sound like an episode from Law and Order, but your team was/is aware of my medical situation, as I explained over and over, and I even expressed to them that how they were acting towards me was affecting me physically. My lawyer knows the sensitivity and pain levels involved with my condition which was from a car accident, and the extent to which it does not enable me to perform daily duties to the best of my ability -- like paying bills and monitoring accounts. I reached out to XXXX in good faith, and they failed me on every level. In fact, you should know that my debilitating condition stems from this serious car accident that was in my previous XXXX. It was totaled, and I ended up, among other things, without feeling in my arms and legs and with cognitive issues. And, an ulcer resulted from the anti-inflammatories I was taking and from the overall stress. Oh, but XXXX doesnt care about that. They only care about their policies. But, well get to that.
1 ) As stated, because of my extenuating circumstances, I needed and sought out the guidance and the help of your team to set up recurring payments knowing I would not be able to adequately monitor everything, as stated. To emphasize, I NEVER asked to have payments suspended. In fact, it was my main concern that you DID get your payments and in a timely manner. This is from someone suffering physically, financially, and emotionally. So, you can see how important my credit and integrity is to me.
2 ) Just after I set up my recurring payments with your customer service team on XX/XX/XXXX ( to start in XXXX ), I was personally hacked, and once again required their assistance. This time I needed their help changing my checking account information on line and to still make sure everything would go through with the recurring payments. Unfortunately, no one ever told me or advised me at any time that by doing so would automatically cancel these payments. Nor, anywhere, did I ( and still dont ) see any statement on the website that explains this. I went on good faith that the customer service representatives gave me solid, reliable information.
3 ) The payments did not unfortunately go through, and I did not learn about this until 60 days after the first payment was to be received by XXXX. To add fuel to the fire, so you can fully understand what I am personally dealing with, I had also just lost my job because I can not return to work. I have virtually XXXX income. So, you can imagine my stress levels. But, to continue, I have not, and still havent received ANY correspondence through the mail regarding this non-payment. I check my mail every day. What I did receive was a phone message from XXXX XXXX on XX/XX/XXXX from XXXX ( XXXX ). I immediately called back, learned of the missed payment, and not only did I pay ( on the spot ) the ONE month that was missed, I paid XXXX and even covered XXXX so there was no chance of a gap. To make my point again, thats how important having financial integrity is to me, even given everything I just told you.
- So, why didnt I hear anything until then? The rep literally said they were calling the wrong number and they do not leave messages. Then why all of a sudden did I get the call on the correct number with a voice message? Thats suspicious. I have to wonder if they dont also have the wrong address that goes along with this mysterious phone number. Or, because I am trying to pay electronically, did they stop all forms of mail? Secondly, I find your companys policy of reporting one missed payment immediately to the credit bureau after only 30 days to be harsh. I wasnt even given a chance to rectify things. I have known, as have others, that 60 days is standard for reputable companies, and that is AFTER talking to their clients first giving them a chance to clear things up which I did IMMEDIATELY UPON LEARNING ABOUT IT.
- And, to most reasonable people, one would have thought that this credit marker for ONE ( inadvertently ) missed payment as harsh and unfair as it is, would have been quickly and graciously removed at this point based on all the circumstances I outlined to your representatives and supervisors : my good faith efforts to make payments ; misinformation given to me by your team ( inadvertent or not ) ; my immediate payment and forward payment ; my previous XXXX account that was in excellent standing ; my excellent credit ; MY HEALTH ; MY EXTENUATING CIRCUMSTANCES, etc. But, NO. Why would XXXX who prides themselves in customer service do that? I was dismissed and told to write a letter to somewhere in Iowa.
4 ) After trying ( and being put on hold for an incessant amount of time twice ) to get to a supervisor who could hopefully listen to me, aid me, and help me through this process ; I actually got a supervisor ( her name is pronounced, XXXX, did not get her ID # ) who LECTURED ME : I should really monitor and check my accounts and the post office, she says. This is even knowing my situation! REPREHENSIBLE! She retorted with what came across as a disingenuous apology, and then a very blunt statement that XXXX is a business. We did nothing wrong. We have a policy. You may write a letter if you do not agree. I literally felt bullied and challenged to prove XXXX was wrong and that everything that I have been telling her and the others did not matter at all. Nor did I feel believed.
Did I also mention that I submitted two complaints with XXXX and never heard anything back?! Very telling. Here are the reference numbers : ( Spoke with XXXX from client services ) and filed online.
5 ) I can not begin to say how many people at XXXX XXXX XXXX I have tried to communicate with on this. The dispute team ( in Iowa ), whom I NEVER heard from, actually denied my written request/dispute to have the marker removed ( given everything I told them ) -- which I was shocked to find out! The only reason I found out is because I had to call and talk with another XXXX XXXX rep who paraphrased the decision to me over the phone -- three weeks after the fact. She told me the determination was that there is a statement on the website that references recurring payments, and that they have a policy XXXX must report missed payments to the credit bureaus after 30 days. NOTHING I PRESENTED TO THEM SEEMED TO BE CONSIDERED! I still cant find this statement, and I cant/dont want to spend my days between rehabilitation sessions looking for it. By the way, there is a very clear statement on the website that says XXXX MAY report missed payments and MAY disclose information to the credit bureaus. NEVER does it say MUST. XXXX XXXX XXXX has the ability to help its customers, but it chooses not to.
6 ) One of the last straws came when I found an email address on line for XXXX executives ( XXXX XXXX, who is no longer there (? ), XXXX XXXX, and guessed at XXXX XXXX ). I also called a corporate number ( XXXX ) that was given to me by another customer service supervisor ( XXXX XXXX, in Maryland, XXXX ). She initially said something about a fax number to which I could file an appeal. But, she said she would look into everything first and do everything she could to get this resolved. I held off on this fax option because I was under the impression this would be where I finally got help. However, she said the next day, they would not remove the marker, and that she actually didnt have the power to change anything. What good is a powerless supervisor to anyone? That made me feel less confident and worse. This was actually the first I heard of any appeals process ( with the fax, ) and I have never heard it mentioned since (?? ).
7 ) I called the number the supervisor gave me ; and emailed the aforementioned. I got a call back from XXXX XXXX, who in fact, I would like to file a formal complaint against. Not only did he not listen to what I was saying with his canned responses, he came across arrogantly, like he did not believe or care about anything I was saying ; he gave me conflicting advice, and even disconnected/hung up on me and never called back. I wish this werent true, and his cold demeanor and comments pushed me to the brink. This was on XX/XX/XXXX and XX/XX/XXXX. Please provide a reference number for this complaint. I would like to ensure it is given due attention, and I am followed up with.
8 ) In an embarrassing moment, I literally broke down in tears while first talking to him because I have been so wracked trying to get to a reasonable, professional person with an ounce of sensitivity and humanity, who would work with me on this escalated situation. An advocate would be nice, rather than a bully. Once again, all he ( and others ) seemed to talk about and care about is this sacred XXXX policy and some statement on the website. Is this etched in stone and carried down from XXXX XXXX? That was the only benchmark to which this credit marker was based. NOTHING ELSE. He even mentioned something about audits, which is inappropriate and not my concern. And I believe it was him ( or another supervisor ) who said that XXXX does not base any of their credit decisions on customer loyalty. Well, Im sure you can imagine how dismissive, unbelievable, and rude THAT sounded. What a customer hears is a canned, robotic answer that translates to : XXXX does not care about your loyalty or who you are or what your circumstances are. We only care about our policy. # XXXX # XXXX 9 ) He did offer to investigate my situation, however, and in so doing, I asked if I needed to send in any medical documentation or paperwork that would support me and my other grievances. He emphatically said NO. But, after I was pushing, he added they would consider my medical situation and extenuating circumstances, along with everything else like the policy, of course, he had to add. Again, this mysterious policy. I was left feeling even more befuddled, confused, angry, and despondent.
10 ) I was called back the next day and he said the result of the investigation was that he had a screen shot of a statement on the website that discussed policy. What?! Then he actually said I never filed a form or documentation about my medical condition. What?!! THIS IS PROOF NO ONE IS LISTENING TO WHAT I AM SAYING! I have no words.
- The team at XXXX XXXX XXXX wears blinders. In order to try to make sense of everything, I had to ask him if XXXX XXXX was being investigated for something because I could not fathom why they are so laser focused on this apparent policy and statement -- not listening to or considering anything else that is said and presented by a client. I finally asked if I could take this whole unresolved situation somewhere else or do something else, and all XXXX retorted was : No, this is corporate, it stops here. That certainly could not be true. I could literally feel my frayed nerves burning the ulcerative juices churning. And now I feel it more while I write this letter.
11 ) Making matters worse, I was hung up on ( disconnected? ) during my conversation with XXXX, and I had to call back and leave messages to ask further questions regarding the supposed investigation, his supposed screen shot, and any medical forms I am now supposed to fill out. I was more confused than ever. This was Friday. Ive called again asking about these forms. NO RESPONSE.
- Being subjected to these unhelpful, robotic and insensitive team members is like being hit over the head with a brick time and time again. I truly do not believe your team understands how and what is coming out of their mouths and how it affects your ( human ) clients. I do not know if they really know how to treat customers. To a factual point, regardless of your policy, do they know they CAN remove markers because of every situation I mentioned, and they should.
Its not just him, though. Although there have been some empathetic and professional people, no one even seemed capable of asking me appropriate questions that may have truly been helpful. For instance, no one even asked : do you want to file papers for your medical situation ; or this is what they look for, and this is the best way to communicate everything.
I sincerely hope that you see that I have done everything to the best of my ability to make sure you get your payments, and I believe I have clearly illustrated the incorrigible mess this has become. WHAT MORE DO YOU NEED?! PLEASE DO NOT TELL ME YOU ARE GOING TO INVESTIGATE AND SEE IF YOUR POLICY WAS MET. Check my records, check your phone calls, read my dissertation and my documents. Be Human. Have TRUE customer service. But, please, do not cause me any more pain and angst over something that everyone I have told this too can not understand why its happening. This is XXXX. They are as shocked as I am.
Now, for the most recent payment issue : As I was trying to draft this letter, I was checking my account on line. I actually re-set my recurring payments with ( a misguided ) sense of confidence. I discovered that what should have been monthly payments of XXXX is actually coming up as {$640.00}. That is wrong! Furthermore, your website is horribly confusing and apparently extremely inaccurate, to say the least, which is causing me all these incredible problems. According to my account page, it said it is set up with recurring payments on the XXXX of each month, like I requested, but in checking it recently, it says it is taking out {$640.00}. WHERE DID THAT NUMBER COME FROM?! I NEVER AUTHORIZED THAT! My monthly payment is {$300.00}.
I paid {$930.00} on XX/XX/XXXX for XXXX, XXXX, and XXXX. I was paid up. I was actually ahead of my payments. Furthermore, what is incredibly confusing is that there is another page saying that I have to pay ASAP on XX/XX/XXXX and there is a red mark on the Make One-Time Payment, when I have a recurring payment set up already. At least it is saying I owe the CORRECT amount of {$300.00}.
To get to the bottom of this incredible shock, I called first thing on XX/XX/XXXX and spoke with XXXX ( ID : XXXX ) who explained that because that is what I supposedly owed at the time I set this up, the computer automatically put that as my monthly payment. I OWED NOTHING IN FACT I WAS AHEAD! Unfortunately, he said the {$640.00} already went through and was taken from my checking account, and they couldnt stop it. If I wanted, I could contact my bank to stop payment or they could send me a check that will take up to two weeks to get. Thanks, XXXX! Because that causes me more difficulties and I didnt want to be slapped with another late payment if things got crossed, I felt I had no other choice but to suffer an even more difficult month financially because I wasnt expecting to pay MORE THAN DOUBLE my monthly payment. He assured me that XXXX and XXXX would be covered, and he walked me through setting up the payments to start on XX/XX/XXXX for the correct amount of {$300.00}. He said he would send me a confirmation email, but I have NOT GOTTEN ONE, and I hope a letter that gets to me. The case number for this is This is the THIRD time I am attempting the recurring payment system. Some would call me a complete XXXX for doing so, and I am really questioning this ; but I am very serious when I say I need to have help getting payments through because it is much easier for me at this point to have them automatically taken out, ( and now make more effort to monitor ) than to worry about mailing checks, etc. Unfortunately, your website is the only way I can do it. I seriously hope I do not have to chastise myself again for even trying this, and really regret it. Perhaps I am a glutton for punishment. Furthermore, I wish I had enough knowledge or insight to get a case number and ID number from the representatives who initially helped me set up my recurring payments online and then when I changed my account number. I guess, at the time, I saw no reason to even think about it because I truly felt I could rely on your team. Boy, I really do feel duped and dumb. I think in retrospect, aside from hand-delivering payments each month to whomever actually takes them, Ill really have to figure out the least painless way to get them to you ; and bypass the recurring payment system.
Just so you know, NO ONE ever acknowledged, owned up to, or apologized for giving me misdirection in the first place. Funny that they offered to take my late payments off without me even asking ; yet they would not consider removing the credit marker. This is really smelling. Whatever happened to the customer is always right, the customer is our bread and butter, and we will do whatever we can to ensure the customer is happy and taken care of? XXXX really does not get it and they really do not care. I am living proof of this multiple times over.
It seems very odd saying this, but I have had wonderful dealings with XXXX in the past, and that is why I got a second one. I was even able to work successfully with the recurring payment system on my last account ( albeit trouble in the beginning that was remedied by a competent customer service rep ). I am at the point, however, where I am looking into getting out of my lease after only having the vehicle for four months because your company has literally made me sick to my stomach and fried my nerves -- even further. I am waiting to hear back from the general sales manager.
I do not know who else to turn to. As I said, I do know, however, that the media, social media, friends and family, my congressman, and other agencies have and will continue to be supportive of my plight. I will use all my contacts and in-roads to finally be heard. People need to know how XXXX XXXX XXXX behaves and what they do to people. Hopefully no one else will have to go through what I am going through. As Ive said, I have tried to work through your channels and your processes to try to come to a solution that is mutually beneficial to everyone to beyond disgraceful results. # neverlexus # lexusdoesntcare # corporatebullies.
I JUST want my credit marker removed and my credit and integrity restored. That is all I ever asked. And, I would like that you do not XXXX up my finances and money situation anymore. Am I furious, yes, but I certainly do not want to see anyone fired over this. Everyone is human, which XXXX has apparently forgotten. I do also hope that you look into training your staff to being more empathetic and customer friendly. This spewing of policy and statements as a mantra needs to stop. It really affects people. By the way, please take a look at https : //www.consumeraffairs.com/automotive/lexus-financial-services.html and you will find out how your company is horribly reviewed. Your overall rating is ONE star. My review ( s ) are there. That is just the tip of the iceberg as far as getting the word out. Its simply facts and how a customer believes they are being treated. Ive loved my XXXX vehicles, and I have always had outstanding service from XXXX before. I am really dumbfounded by this, and sincerely hope this gets corrected.
As I stated, I appreciate your attention to everything I have laid out and your utmost consideration with all these matters. I am sincerely hoping that you are different from the uncaring and unresponsive members of the XXXX XXXX Team. And, I thank you in advance.
If you choose to look into this matter, my account number is : and the VIN number on my current car is : Sincerely, CC : CC : XXXX XXXX, CEO XXXX XXXX CC : XXXX XXXX, Executive Advisor to XXXX XXXX XXXX
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| 03/16/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
TOYOTA MOTOR XXXX Credit Dispute Research XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXXXXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment applicationhas been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : XXXX. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United States or aliens lawfully admitted for permanent residence. ).
IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIESFROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 03/02/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Fraudulent loan
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|
Web |
Older American, Servicemember |
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I am writing you this letter on behalf of XXXX XXXX who is my father. He is XXXX year old XXXX military veteran. He also has a private case worker because of his XXXX via the VA XXXX.
He is on a fixed income and has never been in such a manipulation. This situation that continues has caused him severe anxiety and panic attacks. I had to also take him to his cardiologist because being so distraught has caused other issues. All around he know he was cheated and is completely upset both mentally and physically.
He trusted he was getting a fair price which he did not. What was agreed on was a car lease for {$29000.00} and the sales person went out of control with what was agreed. They also did a bait and switch on the car. He leased a XXXX and received a XXXX. My father is not knowledgable with computers or leasing and only saw what they wanted him to see. The lease that i have was shown on a screen is so tiny its hard to read.
He was unaware of what was going to happen at this dealership. They continue to not rectify any of this situation. The ownership of the dealership also has not answered to any corporate attempts. According to the manager the dealership is as below.
XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX All of the Empire Dealerships have bad ratings on Yelp and other Cars.com` The OWNER OF ALL DEALERSHIPS IS XXXX XXXX and He works from the following location.XXXX. XXXX. XXXX At the time this was done I was out of the country and only learned of it upon my return.
He paid most of this in cash at the request of the salesmen to get a better deal.
{$8800.00} ( I have cash receipt ) {$500.00} parts {$50.00} mats, {$500.00} debit card and money order for motor vehicle When agreeing to the lease, on XX/XX/XXXX he was under the impression that he was leasing a car for 36 months 3 years and the car would cost {$29000.00} dollars. Payments would be $ 300 monthly with the down payment of the {$8000.00}. He happened to bring {$8800.00} with him, which then they needed another {$500.00} on his charge. He put down {$9300.00} in Cash. A money order for motor-vehicle and he had already paid the {$500.00} cash for the special order parts and {$50.00} for the floor mats. He was also under the impression that down payment would cover the first months payment of the lease of {$300.00}. The following day when he met with XXXX, he was confused and she pointed to the monthly payment of {$350.00} which was okay with him since he learned he needed the special tire package. ( He did not ). I spoke to her at length over the phone and she admitted that the deal was unfair but when I questioned her work ethic given she saw my father was not perfectly fine to do this she had no answer. XXXX XXXX- Sales Manager of entire dealership, also admitted it was a rip off but wanted nothing to do with the agreement. He said he had nothing to do with this deal. Yet, could not tell me who did other then the salesmen XXXX XXXX.
Also he drives so seldomly and wanted the least mileage in the lease. Someone put down XXXX annually. To date, some of the papers he did not sign while others he is unsure as they do not have his signature. Here nor there he was a victim to freud at this dealership.
The military discount was to charge him an extra {$15000.00} K.
***He was also told no need to worry everything was in the car. There was no book, no extra valet key and XXXX took the original floor mats after charging my father. Again, XXXX has no knowledge of who my father is and even after telling him to look at him in the my car he said he has no idea. He told me he was XXXX years old. The leasing agent to which my father recalls being in the room claims she was not the person. XXXX she said did it who Im told is rarely in the building. I spoke with her twice and she is as much a manipulator as the sales person and manager. This dealership should be shut down.
There yelps and complaints are endless.
As per our on going communication regarding the lease from XXXX XXXX of XXXX.
Since XX/XX/XXXX when I first learned the details I tried ( 9 ) nine times at the dealership to rectify the situation in person. Day after Day, as they were supposed to give me the leasing records and other forms they claimed he signed. I was refused copies of documents, to which they claimed my father signed. To date I do not have. They also showed him an option page to which was typed and handwritten, not an official option page, they refused to make me a copy.
My communication or rather lack of was with : XXXX XXXX, General Sales Manager- He repeatedly stated he wanted nothing to do with the lease and does not want to be involved. He also referred me to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. Who also never responded to calls and emails. XXXX claims he reached out to him with a response I guess he is busy.
XXXX XXXX XXXX Certified Specialist As per his business card. I also spoke with him since he was the point of contact when my father went into the dealership. He was the salesperson who negotiated the details. Not only did he deny leasing my father a car he said he didnt know who he was and that I was crazy. He is a XXXX year old male who can not recall leasing a convertible car to an XXXX year old in a military jacket and hat.
My father on XX/XX/XXXX agreed to lease a XXXX XXXX XXXX XXXX XXXX XXXX. The MSRP was never discussed only that he was getting a XXXX model. The cost was XXXX minus the {$500.00} dollar military discount.
***On XX/XX/XXXX my father gave XXXX XXXX {$500.00} dollars in cash to order Pedal Alloy Brakes {$100.00} Rear Spoiler {$340.00} plus tax XXXX To date the monies have not been refunded and the parts never came in, in fact i was told by the parts manager they were never ordered. They were put into the system but not ordered. I have a copy of that attached. XXXX said she was going to refund this money and all the monies for the XXXX XXXX, To date none were refunded. ( See attached ) She said she would have the payment the following day to be picked up. Twice then she said she was our for 12 days.. still no refund. I also never heard from her again.
She said she would also keep the insurance coverage at their expense. I learned from speaking to XXXX that the pricing she charged my father was unheard of. It was also only valid through their dealership. A new tire was purchased at his expense because there was a nail patched in it that was original to the day the car was leased.
XXXX XXXX took back the floor mats that came with the car and also charged my dad an additional {$50.00} for other floor mats. One set of keys were given with the car, said it was {$300.00} for the second set and that is why its best to purchase the insurance. All dishonesty.
*I have also notified XXXX XXXX to cancel all policies but the procedure is that approve the cancelation and then a check has to be paid through the dealership.
My father is unfamiliar with leasing as he has only owned cars. The lease agent who he believed was XXXX XXXX the business manager said she was not the leasing agent XXXX was.
XXXX when meeting with her said she was not at liberty to give me the paperwork or see what options were shown to my father at the direction of XXXX XXXX. XXXX XXXX I went down to get the paperwork and XXXX had countless excuses why it was not there.
Its in the main office down the road, No you can not go there to pick up. 2. He sent a salesmen down there and he has been there for 4 hours and is waiting for it. 3. The bookkeeper is very busy with payroll as she is late also paying us here. 4. They have to look in a storage room in many boxes to find the paperwork. ( No, we dont have it computerized ). 5. They havent found it yet. 6. XXXX has it didnt she let you know. ( XXXX ) I can show you but I can not give you a copy since you may sue us.
The papers I did see where a copy and paste and hand written option sheet.
They were created ( customized ) by to each deal and not official XXXX packages.
I only saw a paper type written with handwriting, Nothing official from a printed XXXX Package. XXXX Refused to give it to me and XXXX said she doesnt have it.
In fact I also learned that XXXX XXXX packages were sold to my father that he did not need. ( Road Hazard Tire & Wheel ) IE Runner Tires ( His car did not have these tires ), Exterior Interior Damage Service, and Maintenance Advantage. He is covered for interior exterior through his insurance. The tires DID NOT come on the car so there was no need to purchase for runner tires, he was told incorrect information by three people, XXXX XXXX, Service Manager and XXXX ( No last name given for privacy ). I was also told she is rarely in the office. My father was also told all of these policies can be used at any dealership in the USA since he plans to move. Again totally incorrect. He also was supposed to receive 3 years worth of oil changes at any XXXX dealer. He was given one to which is only active at XXXX XXXX. He was also given a car with a flat tire the first day and told to come back because there was no runner tires in stock. 3 weeks later they claimed the tire was still unavailable.
My father called him countless times about the lease and the bill arriving XXXX XXXX {$600.00}, XXXX XXXX XXXX {$1400.00} Maintenance Advantage {$600.00} ( I have attempted to cancel all of these plans The total cost was {$29000.00}. The MSRP sticker price was {$33000.00}. At the time he only knew it was a XXXX. XXXX told my father that by putting down Cash {$8800.00}, plus then XXXX charged his debit card another {$500.00}, plus there was a money order to which I can not find out how much it was for since he went to a bank and paid cash for it. I believe it was for motor vehicles, My dad recalled it being The car he received was a XXXX and the final cost on the lease {$44000.00}. Its a XXXX. Flat tire and there is an engine sound that XXXX XXXX ( Imports of XXXX XXXX hears the sound is he is scheduled to have it fixed however its out of pocket expense that he can not afford.
My father paid 2 payment according to the records. The first payment he was told for XXXX was covered and XXXX would be his first invoice. This was not the case.
When he He also has ignored XXXX XXXX to discuss who has reached out to him countless times.
My contact at XXXX XXXX is XXXX XXXX who works in the corporate office.
XXXX XXXX # XXXX.
The first few payments were made because my father kept putting calls into XXXX XXXX at work to which he was told he wasnt in on countless calls and also his cell phone XXXX to which no calls were returned. He also pretended when my dad was at the dealership days and a week after getting the car to repair the tire, XXXX claimed the parts were not in yet, never stating there were ever ordered. I have since learned them come from XXXX and take only a week to arrive. Again this money is missing.
Other people I reached out to that I did not hear from are XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Operations.
No response, I had left a voice message on both numbers.
XXXX XXXX XXXX requested the assistance of XXXX XXXX but still nothing had been done. Its very strange that within the car consumer world a dealership who has so many countless complaints can choose to ignore everyone.
XXXX- XXXX XXXX XXXX , Please see letter attached. They recommend I reach out to you at this point. The letter states they had no success twice to speak with the dealership.
We would like the lease terminated and monies refunded. Originally when communicating with XXXX XXXX we requested that the lease agreement close and a new arrangement at a new dealership be made.My father can not afford since he is on a fixed income such a ridiculous car lease. Besides the fact this car has something wrong with it.
On a personal level, My father is XXXX due to a few reasons but one is for XXXX XXXX. He also has a XXXX XXXX and this situation has upset him so much its affecting his health. He has barely taken the car out and what likely would be a fun special time to buy such a car has been miserable to say the least.
After further investigating this dealership there is a long history of problems and complaints throughout the internet. The dealership regulates the complaints on there website to reflect only positive reviews but I have printed out countless complaints of manipulation. In fact when we went to the XXXX dealership there were people on all 3 occasions complaining that that dealership doesnt have repairman and they return the cars the same way they came in.
There is more details in between all this that was extremely frustrating but this is a scope of what has happened up to this point.
Today Im awaiting to hear once again from XXXX XXXX but they too suggested reaching out to you because its the lease that is root of the problem and motor vehicles is the best way to go.
( There is a paper trail of emails, letters and calls and attempt on behalf of my father from XXXX XXXX, XXXX XXXX, Myself and Better Business Bureau.
Early on also started a complaint with the district attorney but due to covid they are not working on consumer disputes. Im keep following up with this.
Mazda Financial Services has now issued a letter stating they repossess the vehicle. This is XX/XX/XXXX the last XXXX They need to hear from Motor Vehicles to put a hold on this lease agreement until rectified. Then they will not repossess the car.
Presently the only corporate contact I have is XXXX. His direct number is XXXX He works with the top of corporate. He would be best to speak to for details.
|
| 07/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
|
|
After review of my credit report, I noticed that there were some inaccuracies that have not been corrected or deleted. I intend to seek damages for mental and physical pain and anguish due to these aggravating items being on my credit report falsely. I have requested that all of these accounts be properly validated in the past and they were not properly validated. These accounts have been disputed in the past and the credit report does not show the required notice of dispute by consumer and if it does, it was not inserted within the allotted amount of time. In any event, all of these accounts need to be deleted for multiple violations and inaccurate and unverifiable information. Please, my next letter will be a letter of intent to sue.
Date : XX/XX/2021 To : XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX USA Forward letter To : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA.
Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court.
The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!!
I hope you will take advantage of this opportunity without the need for litigation.
Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX USA Forward letter To : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA.
Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court.
The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!!
I hope you will take advantage of this opportunity without the need for litigation.
Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA.
Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court.
The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!!
I hope you will take advantage of this opportunity without the need for litigation.
Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX USA Forward letter To : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA.
Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court.
The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!!
I hope you will take advantage of this opportunity without the need for litigation.
Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX FL XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA.
Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court.
The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!!
I hope you will take advantage of this opportunity without the need for litigation.
Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA.
Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court.
The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!!
I hope you will take advantage of this opportunity without the need for litigation.
Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA.
Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court.
The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!!
I hope you will take advantage of this opportunity without the need for litigation.
Thank you, XXXX XXXX
|
| 10/10/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- High-pressure sales tactics
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|
Web |
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On XX/XX/XXXX, I went down to XXXX XXXX car dealership to purchase a vehicle. The first guy XXXX is the one I originally had the appointment with. When we ( me and my mother ) arrived at the dealership at or around XXXX XXXX XXXX we weren't offered coffee or anything. We immediately got into discussing the vehicle and running credit. Remind you that I am a returning customer. I bought a vehicle with XXXX in XXXX and it was paid off in XXXX of XXXX. So I was a little familiar with the process only being that I had a male with me at the time and we dealt with a different employee who is no longer with the company. So for starters XXXX XXXX sat at his desk with a runny nose. I thought ok it's cold inside and or his XXXX are bugging. However, XXXX XXXX had no XXXX nearby, he kept wiping his nose with the back of his hands. Having snot all on his hands and just wiping it on his pants. He's touching paper, handing me pins and phones and not once washed or sanitized his hands. I was abit grossed out. I asked XXXX XXXX if he wanted to excuse himself to go blow and take care of whatever he had going on with his nose. And he excused himself. came back and did not once offer us any hand sanitizer. I had to ask my mom for her personal sanitizer to wipe my phone down. After XXXX XXXX came back, he got the approval from the guy that works with the bank. I believe his name is XXXX. So XXXX said he got an approval with me alone but the bank is asking for $ XXXX down. However I did not have XXXX to put down. I brought up that I received a call and letter in the mail saying if I wanted to purchase another vehicle, I would get {$1000.00} from the dealership to go with what I have to put down on another vehicle for being a loyal customer and paying the vehicle off. So, XXXX XXXX informs me that the offer is no longer valid. I asked him what were my options if that's no longer valid and I don't have XXXX to put down? He said well last time you had a co-signer, could you call him and see if XXXX be able to co -sign again. XXXX, who is my friend and XXXX until XXXX, couldn't sign the papers. So first we tried my mom 's credit. And her credit was ok but not enough income he said the down payment would be the same. So he kind of forced my hand to contact XXXX. Saying well, we know with his credit it will be approved for no money down. So, I say ok lets try it with XXXX. We contact XXXX and XXXX is asking all of the questions I probably did not know to ask. So he runs his credit, at this time XXXX XXXX goes into this little room where XXXX XXXX is and stays in there for the longest time. Now it's probably like XXXX pm. I kept having to go to the door and wave like hello, we are still sitting out here. Like what's the hold up. So XXXX comes out and says XXXX is on the phone with the bank waiting for their approval. I said I thought we already got the approval for what changed. He said he would have him come out and speak to me. I explained to XXXX that if anything is a problem I can come back another day because I had to get my son at XXXX and we were traveling by XXXX and XXXX. XXXX ensured that everything would be good to go before then. So once XXXX went back into those doors, other guys went into the same room and all of them looked directly at me and my mom and started laughing. And now I am feeling completely uncomfortable. I asked my mom if she wanted to just go because I got the feeling they were playing games at this point. Finally, XXXX XXXX comes out and says that he's trying to work with us as much as he could but the bank wants more money down. I said even with XXXX? XXXX said everything was approved. And that XXXX could sign the paperwork digital or by mail. XXXX said no, the bank is having a hard time approving our application. I said well XXXX came and had me sign a paper saying I was ok with XXXX and monthly payments and that was with me alone but I didn't have XXXX to put down so he asked if i could get a co-signer. So what's the problem now.. XXXX XXXX of got loud and said '' THE PROBLEM IS THAT NONE OF YOU CREDIT IS GOOD ENOUGH FOR YOU XXXX XXXX OFF WITH THE VEHICLE WITH WHAT YOU ARE WILLING TO PUT DOWN FOR IT or something or the sort in those words with that tone. The lady on the far right of us ( caucasion ) looked our way and had a shocking look. XXXX goes on to say., I am trying to work with you and if you don't see that then I don't know what to tell you. I said well that was really rude. Then he walks off. XXXX finally comes back and I say to XXXX it is all good. I will just go across XXXX XXXX to the car-max. I came back here because I already had a customer relationship with you guys, well at least I thought. XXXX says the bank is still wanting more down with XXXX as a co-signer. I said no this is too much all I have is XXXX XXXX dollars to my name and if I get a vehicle i would still have to put the insurance etc. But I really wanted that specific vehicle. So XXXX asked if there was anyone else I knew that could co sign with a better XXXX XXXX and verifiable income. I thought about my auntie at the sametime saying to XXXX, it shouldn't be this hard to get approved or denied for a vehicle, XXXX said well you haven't been denied yet, And I responded, yea but I am still sitting here without anything finalized. So I contacted my aunt and he took her information over the phone, ran her credit and got her numbers from employment. And takes it back into the office where XXXX is. And say we got an approval from our aunt with XXXX down. I said really. So I asked how she was approved? He answered that her credit was higher than ours. So while XXXX is in that room with all the other men, ( AGAIN ). I texted XXXX and asked him how are you finishing up paperwork? Doesn't my aunt have to be here to sign before we XXXX XXXX off ) he came out and asked if we could Lyft her down to the dealership. Before my aunt came, my mom had to leave to get my son from school. She left at XXXX. The lady on the far right from us had finished her sale and rang the bell, everyone congratulated her, and she was walked out by her salesman. After my mom left, I was still sitting there and had to wait for her to get there. Finally, she makes it at around XXXX. When she gets there, we are STILL JUST SITTING THERE while XXXX is in this office with XXXX just chatting it up. He was gone for so long, an employee walked past us and asked if we needed help or was waiting for anyone. I said yes, we're waiting for XXXX. He goes inside the room, and everyone looks over at us AGAIN and starts to laugh. My auntie XXXX is now getting irritated. So, when XXXX walks out. I asked again what the car payment was because he said it had gone down a lot from XXXX something when I was approved by myself. He never gave me the numbers. We waited for so long. FINALLY he came with the papers and had my auntie sign them while I worked on getting the insurance. The insurance was in my name, but I had to list my aunt as a driver. And only her name was on the paperwork. We asked why and he said that was the only way to get the bank 's approval with XXXX down. So now we are finally asked to go to the bank and process payment. When we sat down the finance guy name XXXX was kind of going over and explaining things. I asked him how much the monthly payments and he were telling me {$670.00}. I said that's still XXXX a month. He told it had gone down lower than that. I said no he didn't tell me the numbers and I kept asking. So, he called XXXX in there and XXXX lied and said he did go over the numbers and he didn't. So, my aunt was irritated and ready to go she said don't worry about its Tiff, we will be ok on that car note. I explained that paying the car note wasn't he issue. The issue was how long we been down here, we ran XXXX people 's credit and nothing 's changed and u are on the car by yourself. makes no sense to me why the car note is still so high. i then felt played. After signing all documents, paid for insurance, and paid the XXXX XXXX. XXXX tells to walk outside, and XXXX would meet us right there. I asked XXXX if we had to ring the bell and he said yea, but XXXX was supposed to do it after we signed the paper for the car. So, while we were outside waiting, I asked XXXX why we didn't get to ring the bell and his response was : Not everybody is able to. And that comment sat with me for days. I literally bought a vehicle from the same dealership and when I signed my paperwork- the salesman walks us over to the bell and said anytime someone purchases a vehicle from us, they have to ring the bell. I AM A RETURNING CONSTOMER so i know that process. And it wasn't down for us that day. We did not leave off that dealership until XXXX ; XXXX. I was there since XXXX. hadn't ate or nothing.
I left the dealership Thursday, XX/XX/XXXX. XX/XX/XXXX my aunt calls me and say someone keeps calling her trying to collect a payment over the phone. And saying his name is XXXX. He called her twice. So, I texted XXXX the same day and asked him who was XXXX and explained they were trying to get a payment from her. XXXX texted back and said to tell her not to give payment to anyone. On the XXXX, they called her again trying to collect a payment. I told my aunt let 's get XXXX on the phone and you explain to him what's happening. she did. XXXX asks for the number that was calling her and googles it. Something came up and he read it to us and then said no I would block that number because they shouldn't even be contacting you. On Sunday, XXXX reaches out to my aunt and say they needed her to come down to reassess the vehicle. He said the car wouldn't be taken they just need to do a re-assessment on the car. I drove down there, and my auntie was Lifted by the company. When we both arrived, we were walked to the XXXX office in the back. As soon as we sat down, XXXX say 's unfortunately we have to take to the vehicle back because you XXXX XXXX told the bank that you weren't going to pay for the vehicle. She explained that she had no idea who was calling her asking for a payment after it was informed, we did not have to make a payment until 45 days. We both explained that we called XXXX on 3 ways, and he told us to not answer those calls anymore and to not make a payment to anyone calling from that number. I showed XXXX the text. And he goes, yea unfortunately we can't. We have to take the car back, but we do have another approval if you guys want. My auntie said yes because my niece needs a car, she was in an accident and has a little boy she doesn't need to be walking no more. XXXX walks out and comes back minutes later and say I'm so sorry that approval is no longer available to you guys anymore. I say it's cool. Can we process the refund now. Had I known the car was going to be taking, I would have brought both keys and all the cars paperwork back. But we were informed it wasn't going to be taken. And I have a text from XXXX. We processed the refund that took forever to be refunded. Days later, they send someone out to pick up their extra key and return some items I left in the jeep. On Friday XX/XX/XXXX, XXXX texted me and said someone name XXXX XXXX messaged him on XXXX about being a co-applicant with him to purchase a vehicle from XXXX. She has 6 hard inquiries on her credit report. This lady has nothing to do with the vehicle myself, my mother. XXXX or my aunt XXXX applied for. Some sort of scam of fraudulent activity was taken into place. On top of being discriminated against. I have felt so angry and profiled against being inside of that dealership. We were the only XXXX people and got treated so wrongly. XXXX called me rude through text.
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I requested proof that I was ever late pursuant to the following laws : 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( XXXX ) XXXX report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( XXXX ) XXXX not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
|
| 12/21/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Fraudulent loan
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Web |
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XXXX XXXX of XXXX denied credit for a lease, pulled lease, repossessed vehicle, and refused to provide any documentation as to why. Concern is
that this may be an ongoing scheme to defraud the general public and backed by discriminatory business practices.
Complainant: XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX TN XXXX
XX/XX/XXXX Vehicle leased from XXXX XXXX of XXXX located at XXXX XXXX XXXX TN XXXX. Paid one month lease up front for XXXX XXXX XXXX XXXX Lease was through Toyota Financial services. Lease was in Company name.
XX/XX/XXXX; XXXX Sales called and asked for article of incorporation. Document sent to XXXX same day. XXXX XXXX, XXXX; XXXX XXXX called XXXX) and left VM that he had some questions. Unable to reach XXXX after multiple calls. Sent email to Sales: XXXX,
XXXX Is this what you needed. I also had a XXXX call me as well? The receptionist could not track anyone by that name down.
Reply: Yes, we've received this document already. I believe there is a hold up in the Finance department concerning your Lease. Myself(XXXX XXXX, XXXX XXXX and XXXX XXXX are the ones reaching out.
The last update I received is that Toyota Financial Services is seeking a Guarantor for your Lease based on the audited financials.
XXXX Seems a bit late for that? We just had a lease with XXXX for three years under these same circumstances. I just turned in the XXXX Let me know next steps. We will not be assigning a Guarantor.
XX/XX/XXXX: XXXX XXXX left VM wanting to speak about guarantor. XXXX spoke with XXXX on phone and asked if they could provide credit references, reminded them that they just turned in a XXXX after a three year lease because they picked up XXXX
XX/XX/XXXX: XXXX left VM and stated that there was nothing they could do and they wanted to come and pick up vehicle.
Received a call from XXXX XXXX? From XXXX stating he wanted to come to pick up vehicle. XXXX eventually spoke with XXXX and when asked, stated he did not have to provide any documentation as to why the credit was denied and that he would not put anything in writing as to why.XX/XX/XXXX Email sent to XXXX XXXX,
I have received a considerable amount of voicemails (VMs) from yourself and others at XXXXXXXX XXXX that include XXXX XXXX?, the Sales Manager. In reviewing all the VMs and the two emails that I have received from XXXX, at no time has anyone put in writing why you are requesting to pick up the vehicle. XXXX has not provided documentation of any kind to state why XXXX has been denied credit. The fact that you have sent a copy of purchase document does not negate the contractual obligation XXXX has with Toyota Financial Service (TFS) via the Closed-End Motor Vehicle Lease Agreement Tennessee.
XXXX has consulted with Counsel and we request in writing, with supporting documentation, why we have violated the terms of the Closed-End Lease. Until such time as we receive this official notification, we will not be returning the vehicle we feel we are legally in possession of. We have every plan to pay on time as was relayed on our calls and proceed to honor the terms of the Closed-End Lease with TFS. The first direct request by XXXX that you wanted to pick up the vehicle wasXX/XX/XXXX When I asked XXXX XXXX on XX/XX/XXXX to just send me documentation he stated he would not give me anything in writing nor in an email and also advised that he did not have to do that. XXXX has offered to put more money down, obtain a letter from our parent company, etc. Our effort was met by XXXX that there were no other options other than XXXX was going to come get the vehicle. It is unconscionable that you would not provide notice enough to transition to another vehicle after you are fully aware that we turned in a XXXX lease to go with Toyota. XXXX did everything you asked us for to acquire this vehicle.
In that vein, I received a VM today from XXXX XXXX that I feel was threatening in nature. To tell a paying customer that if he did not hear from XXXX by noon he would be sending two guys out to get the vehicle seems over the top and would constitute an illegal act. As such, should any XXXX representative attempt to acquire this vehicle for their own use or for another party, we would be left no choice but to engage law enforcement. I truly hope it does not come to this and that we can resolve this quickly.
Our position is clear at this juncture; we are in legal possession of the vehicle. Please do not interrupt my business by calling my cell phone or business phone going forward. All communication from this point forward will be documented in writing or email.
XXXX XXXX
Chief Operating Officer & Partner
XXXX XXXX XXXX XXXX - XXXX
XX/XX/XXXX XXXX sent third party towing company to illegally repossess vehicle. Inside the vehicle were personal effects and company property.
XX/XX/XXXX XXXX finally allowed XXXX to pick up personal items and company property from vehicle.
XX/XX/XXXX: THE EMAIL CHAIN BETWEEN XXXX AND XXXX BELOW CLEARLY STATES XXXX WAS IN THE WRONG AND SHOULD HAVE PROVIDED WRITTEN NOTIFICATION THAT XXXX WAS DENIED CREDIT. WE HAVE BEEN IN BUSINESS AT THIS LOCATION SINCE XX/XX/XXXX WITH A VERY HIGH VOLUME OF PACKAGE DELIVERY GIVEN OUR BUSINESS. TO THIS DATE WE STILL HAVE NOT RECEIVED ANY DOCUMENTATION OF DENIAL OF CREDIT FROM XXXX OR TOYOTA.
Still no notification. I can have someone stop by XXXX and pick it up.
From: XXXX XXXX
Sent: XXXX XX/XX/XXXXXXXX 10:23 PM
To: XXXX XXXX XXXX Subject: RE: XXXX XXXX XXXX
We get mail here every day.
XXXX XXXX
Chief Operating Officer & Partner
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
From: XXXX XXXX XXXX XXXX
Sent: XXXX, XX/XX/XXXX 8:00 AM
To: XXXX XXXX
Cc: XXXX XXXX XXXX
Subject: RE: XXXX XXXX XXXX XXXX, here is the response we got from TFS:
Two where sent on XX/XX/XXXX to the address submitted: XXXX XXXX XXXX XXXX XXXX XXXX. Please verify the address. We receive return mail on these every day. Im resending another letter out today.
Can you provide another address?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE: To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. tax advice contained in this communication is not intended or written to be used, and cannot be used by any taxpayer, for the purpose of avoiding U.S. tax penalties.
CONFIDENTIALITY NOTICE: This e-mail and any attachments are confidential and may also be privileged. If you are not the named recipient, please notify the sender immediately and delete the contents of this message without disclosing the contents to anyone, using them for any purpose, or storing or copying the information on any medium.
From: XXXX XXXX XXXX]
Sent: XXXX, XXXX XXXX XXXX XXXX XXXX
To: XXXX XXXX XXXX
Subject: RE: XXXX XXXX XXXX
Thank you.
From: XXXX XXXX XXXX XXXX
Sent: XXXX XXXX XXXX XXXX XXXX XXXX
To: XXXX XXXX
Cc: XXXX XXXX XXXX
Subject: RE: XXXX XXXX XXXX
Let me follow up. XXXX was told TFS had sent it out.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. tax advice contained in this communication is not intended or written to be used, and cannot be used by any taxpayer, for the purpose of avoiding U.S. tax penalties.
CONFIDENTIALITY NOTICE: This e-mail and any attachments are confidential and may also be privileged. If you are not the named recipient, please notify the sender immediately and delete the contents of this message without disclosing the contents to anyone, using them for any purpose, or storing or copying the information on any medium.
From: XXXX XXXX XXXX
Sent: XXXX, XX/XX/XXXX 2:51 PM
To: XXXX XXXX XXXX
Subject: FW: XXXX XXXX XXXX XXXX XXXX still has not received the denial of credit letter from your client or Toyota.
Regards,
XXXX XXXX
Chief Operating Officer & Partner
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a trusted advisor for technology infrastructure products and services. At the heart of XXXX: A secure modern datacenter delivering the Confidentially, Integrity and Availability our customers, employees and business partners demand, 24/7/365. XXXX customers appreciate the value of a local partner they can turn to for all their needs: network services, colocation, managed security services, and voice (VoIP).
From: XXXX XXXX
Sent: XXXX XX/XX/XXXX 6:18 PM
To: XXXX
Subject: FW: XXXX XXXX XXXX XXXX,
I have not seen the letter as of yet, but I am sure it is on its way. I have one of my employees stopping by tomorrow to pick up personal items that were in the vehicle. He will have the manuals and keys to the vehicle to trade out. Can we also get our pro-rated refund for the funds we expended. XXXX was for the full month.
Regards,
XXXX XXXX
Chief Operating Officer & Partner
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a trusted advisor for technology infrastructure products and services. At the heart of XXXX: A secure modern datacenter delivering the Confidentially, Integrity and Availability our customers, employees and business partners demand, 24/7/365. XXXX customers appreciate the value of a local partner they can turn to for all their needs: network services, colocation, managed security services, and voice (VoIP).
From: XXXX XXXX XXXX]
Sent: XXXX, XXXX XXXX XXXX XXXX XXXX
To: XXXX XXXX
Subject: FW: XXXX XXXX XXXX XXXX XXXX | Attorney
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Follow Me:
From: XXXX XXXX XXXX XXXX
Sent: XXXX,XX/XX/XXXX 10:11 AM
To: XXXX XXXX
Cc: XXXX XXXX XXXX
Subject: XXXX XXXX XXXX XXXX I represent XXXX Motor Company. Please forward any further contact regarding XXXX XXXX XXXX to me. It is my understanding that Toyota Financial Services has mailed an adverse action notice to your client.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. tax advice contained in this communication is not intended or written to be used, and cannot be used by any taxpayer, for the purpose of avoiding U.S. tax penalties.
CONFIDENTIALITY NOTICE: This e-mail and any attachments are confidential and may also be privileged. If you are not the named recipient, please notify the sender immediately and delete the contents of this message without disclosing the contents to anyone, using them for any purpose, or storing or copying the information on any medium.
________________________________________
XXXX XXXX XXXX PLLC mail server made the following annotations:
**************************************************************************
This message is intended exclusively for the individual or entity to
which it is addressed. This communication may contain information
that is proprietary, privileged, confidential or otherwise legally exempt
from disclosure. If you have received this message in error, you are not
authorized to copy, print, distribute, or otherwise use the information.
Please contact the sender immediately by return e-mail and delete the
original message and all attachments.
|
| 08/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
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Filed a complaint with the FTC. Thinking about hiring a lawyer. I'm shocked that there isn't a civil lawsuit already against these people ; what a joke! Toyota Financial has been known for their inhumane practices of " adding further insult to injury '', even when it comes to folks who have been loyal Toyota customers for years! I never missed a payment or a deadline, & I was known for always paying off in full my credit card balance every month, let alone the bare minimum payment. I have phone call recordings & paper trails that are screaming proof of errors on their behalf. Regardless of my fault in the matter, or any procrastination that was made on my end, none of the above is even close to measuring up, having been compared to the gross incompetence that was displayed by MULTIPLE reps. I asked for a hardship from my {$320.00} payment in XX/XX/XXXXof 2019 due to my fiance losing his job, among other unfortunate circumstances that are too private to share. It was granted, withdrawn, then refunded. To explain, a rep made me fess up to & re-live a horrible trauma in order to " qualify '' me for the hardship. Having me in tears, she agreed to offer me the hardship for the current month, and also told me that I would qualify for the month of XX/XX/XXXXas well if I needed it. What she didn't tell me at the time was that I apparently had an account with them online that I needed to log into and change a setting in order to prevent the payments from coming out anyway ( I didn't find this out until around XX/XX/XXXX. ) That $ was all that I had to my name @ the time. I found out the hard way that the $ was taken out anyway ( on my birthday. ) I wasn't able to celebrate my daughter 's XXXX birthday that weekend due to having to wait for them to reimburse the check. Also, my bank charged overdraft & transaction fees to my account in order to cover the payment. Toyota Financial agreed to pay for those fees, but the beginning of the damage was already done. Same thing happened in XX/XX/XXXXof 2019, but we didn't get the check until XX/XX/XXXX. More damage was done, and more fees from the bank were added. Come XX/XX/2019, they tried YET AGAIN to take MORE money from my account, which was still overdrawn BY THEM due to the previous month, adding to yet even MORE fees that were still owed to me from XX/XX/XXXX& XX/XX/XXXX( They only reimbursed me for about {$30.00} of the almost {$200.00} in fees, even after my bank sent them proof. ) During the 3 months that Toyota Financial either took my money, tried to take my money, & accumulated for me a beautiful pile of fees, they had the nerve to say that they weren't responsible for any bank fees that were charged as a result of another company trying to withdrawal an automatic payment. I'm sorry, but not only did they not cover all of fees that THEY racked up, but let 's remember that had they not taken the money from my account like they agreed not to in the 1st place, I would of been able to make those smaller payments that were due to other companies! I was @ their mercy, despite plenty of proof of wrongdoings on their end! Eventually my bank account was forced to shut down. Before that happened, my mother deposited an emergency {$50.00} into my savings to help us put food on the table since Toyota Financial was holding our check hostage, but my bank decided to eat that up before we could use it to pay for TF 's fees. Unbelievable. Even more damage done. Oh, & CHECK this one out, the CHECK for XX/XX/XXXXwas nevering coming, BECAUSE NO ONE EVEN BOTHERED TO ISSUE IT! Then, the brilliant mind of a " supervisor '' named XXXX decided to try and refund me for the month of XX/XX/XXXX, which would of been impossible considering the fact that there was no money that was taken for that month to begin with! But hey, at least they piled on those fees that month, right? Come XX/XX/XXXX, like I said, I FINALLY got my check. I was then told that I didn't need to pay until XX/XX/2019. I. Was. Shocked. After all of the XXXX they put me through these last several months, waiting for money that they agreed not to take in the first place during a time when I didn't have 2 nickels to rub together, only for it to finally show up ... & then to be told that it would need to be almost immediately returned back to them, just added further insult to injury. I was granted 3 full months ( they added another month for their continued failures ) for approved hardships. What I got was 3 months full of added on hardships due to their gross negligence! Then, they had the nerve to tell me that I used up my " 3 month period '', which just so happened to fall within the same time-frame as their mistakes! Apparently during hardship months, it's common practice for TF to hold people financially hostage, ruin a XXXX good credit score ( mine was in the high 700 's - now I'm afraid to even look @ it ), break-up relationships between folks & their credit union, & damage other client & business relationships! If that wasn't enough, things got way worse. Due to not having hardly any income at all to cover bills before the 2nd check came, I was forced to work less hours. It's impossible fill a gas tank when we are counting change, especially when I have to drive all over town ( & sometimes out of town ) for work. Eventually, I got laid off. My car insurance was one of those companies that withdrew their payment from my checking account automatically. Of course, with no $ in my account, XXXX tried to pull the payment 3 times, & it resulted in fees. inevitably, the policy was canceled, because I was waiting on the check from TF. I wasn't going to risk driving without insurance, but why does it seem like the bad things only happen to good people? XXXX never called us back to discuss further terms regarding the " 3 untouched months of hardship '' that they promised us in the 1st place. We called him back several times because we were still owed fees, & his comment about having to make a payment in XX/XX/XXXXmade me nervous. The 3 months that would of qualified from there on out would of been XX/XX/XXXX( check finally recieved & month was free of tampering after I went online & cancelled payment ), XX/XX/XXXX( bank account was closed but they tried to process payment again anyway ), & XX/XX/XXXX( same action in XX/XX/XXXXhappened in XX/XX/XXXX- hopefully both months didn't tack on more fees ). As soon as I got that check, I knew the battle wasn't over. We were tired of having to call back repeatedly, only to have to explain the whole story to a Level 1 Rep & then to hopefully to a Level 2 Rep, which rarely happened or went anywhere. Level 2 Rep 's weren't calling back anymore. Funny thing is Toyota was blowing my phone up for payments, yet I figured someone would read the XXXX notes and know not to bug me until XX/XX/2019, unless it was about what they still owed me in fees. But no one investigated, & it turned out the joke was on me. Come middle of XX/XX/XXXX, I was ready to make a payment. Since I knew I was legally right, I figured it would be no problem for TF to subtract what they owed me from the payment. Before I could act, I noticed early one morning that my car was missing from my gated community. I found out by calling the police that it was repossessed in the middle of the night. The second I called TF, their automated system recognized my # and hung up on me. We called from a different # that wasn't on record in order to bypass the system, and finally made it to a Level 1 Rep. She informed us that we couldn't use their service anymore. We demanded to talk to XXXX since he knew our case. She then told us that he wasn't " available '' for the day & that she would leave a message for him from us. She then proceeded to give us the # that we needed to call in order get my car back. My fiance tried calling the repo man ( we got his # from the police ), who was extremely rude, and refused to give my fiance even the cross-streets of his business, let alone any other pertinent information ( even though he is listed on the account with TF ). When we finally called the # that the rep @ TF gave us, we were connected to a Level 1 Rep who heard the whole script from our mouths. She said the she could grant us an extension, but in order to get the car back, we had to pay XXXXXX/XX/XXXX, as well as repo fees. When we contested this, & and told her that we had evidence, she transferred us to a " supervisor '' Level 2 Rep. This lady was very condescending, & a real piece of work. She basically told me that since I had an account with TF, it was my responsibility to know how it worked. Therefore, the non-authorized payments were a direct result of myself @ fault. XXXX! Even the supervisors @ TS admitted after hearing the phone call recordings that it is the agents job to explain, especially when most accounts are set up by the guy who is selling you the car while you sit across from him. He never explained that I could access it, or that it was even there to begin with. Next, she said I should be grateful to get 3 hardships ( she could care less that they made things worse for me due to employee error ). She often interrupted during my testimony, which is a scare tactic to try and throw me off my game so she can remain oblivious to the facts. I told her that I was still going to pursue justice, and reminded my fiance that we had already filed a complaint with the FCC & other legal parties. We have evidence recorded, as do they. Even my credit union saw the scam for what it was and issued paperwork in our defense in order to handle the fees. This lady, like the repo guy, didn't want to talk to my fiance either. She tried to tell me that I needed to pay for XXXXXX/XX/XXXX, including repo fees, in order to get my car back ( & I wouldn't qualify for an extension ). When I mentioned that the lady just 5 minutes before her told me different, she told me she didn't care. I even mentioned that I had a recording of XXXX claiming that I didn't owe until XX/XX/XXXX, that went out the window too. I guess she won't mind that her call, as well as the call before her, were both recorded too. Cover your XXXX people! Otherwise, corporations & their sheep will walk all over you! Now starts a whole new game! I choose to break free from the havoc that they have unleashed when they chose to royally mess with my family 's financial life and future. Had they done the right thing to begin with and had at least tried to amend their wrongs by starting with the bare minimum, they would of acknowledged that XXXXXX/XX/XXXXwere months full of no error on my behalf and would of made sure that those months would have be added on to the end of my contract as a complimentary gesture. Then, they should of finally granted me the 3 months that I was approved for " error-free '' in the 1st place for the months of XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Those 3 months would then pass freely, totally untouched. As a result of smooth sailing, and after having been able to finally catch my " financial breath '', I would have issued my 1st payment, come the middle of XX/XX/XXXX. Yet here we are, the payment is now ready, and my car is nowhere to be found. Good job TF. All I wanted was for you to do your job, right your wrongs, & do for me what was promised to begin with. Instead, I was taken advantage of, but never again! Bye XXXX!
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| 12/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.
( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : Support Us!
XXXX XXXX XXXX U.S. Code Title 15 XXXX XXXX SUBCHAPTER I Part A 1605 Quick search by citation : Title enter title Section section 15 U.S. Code 1605 - Determination of finance charge U.S. Code Notes prev | next ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.
( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : ( 1 ) Fees and charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the credit transaction.
( 2 ) The premium payable for any insurance in lieu of perfecting any security interest otherwise required by the creditor in connection with the transaction, if the premium does not exceed the fees and charges described in paragraph ( 1 ) which would otherwise be payable.
( 3 ) Any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a precondition for recording the instrument securing the evidence of indebtedness.
( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes.
( 2 ) Fees for preparation of loan-related documents.
( 3 ) Escrows for future payments of taxes and insurance.
( 4 ) Fees for notarizing deeds and other documents.
( 5 ) Appraisal fees, including fees related to any pest infestation or flood hazard inspections conducted prior to closing.
( 6 ) Credit reports.
( f ) Tolerances for accuracy In connection with credit transactions not under an open end credit plan that are secured by real property or a dwelling, the disclosure of the finance charge and other disclosures affected by any finance charge ( 1 ) shall be treated as being accurate for purposes of this subchapter if the amount disclosed as the finance charge ( A ) does not vary from the actual finance. ( B ) is greater than the amount required to be disclosed under this subchapter ; and ( 2 ) shall be treated as being accurate for purposes of section 1635 of this title if ( A ) except as provided in subparagraph ( B ), the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one-half of one percent of the total amount of credit extended; or ( B ) in the case of a transaction, other than a mortgage referred to in section 1602 ( aa ) [ 1 ] of this title, which ( i ) is a refinancing of the principal balance then due and any accrued and unpaid finance charges of a residential mortgage transaction as defined in section 1602 ( w ) 1 of this title, or is any subsequent refinancing of such a transaction ; and ( ii ) does not provide any new consolidation or new advance ; if the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one percent of the total amount of credit extended.
( Pub. L. 90321, title I, 106, May 29, 1968, 82 Stat. 148 ; Pub. L. 96221, title VI 606, Mar. 31, 1980, 94 Stat. 170 ; Pub. L. 10429, 2 ( a ), ( b ) ( 1 ), ( c ) ( e ), 3 ( a ), Sept. 30, 1995, 109 Stat. 271, 272 ; Pub. L. 111203, title X, 1100A ( 2 ), July 21, 2010, 124 Stat. 2107. )
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| 06/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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The first time I realized I was a victim of fraud associated with Lexus was 2 years ago, on or about XXXX XXXX, XXXX. I immediately filed an identity theft police report with the XXXX XXXX XXXX Police on XXXX XXXX, XXXX. In addition to the police report, the police department recommended I reported the fraud report to Lexus Headquarters, which I did in XXXX, XXXX. Following Lexus head-quarters suggestion, I reported the case of fraud to the dealership - XXXX XXXX XXXX XXXX XXXX, for further investigation and resolution. Per their request, I sent my police report and turned in detailed information of the suspect as well. However, I did not receive any proof ( verification of debt, lease agreement, promissory notes etc. ) nor response from them, to prove that the account opened with Lexus was authorized by me and with my consent.
I enlisted in the XXXX XXXX and shipped for training on XX/XX/XXXX. I requested the dealership manager to update me regarding my fraud investigation process and the results before my shipping day. There was no update on the resolution of my case and so I assumed it had been managed and settled by the company, until I was flagged by a background check screening conducted by the XXXX XXXX XXXX. On XX/XX/XXXX and on or about XX/XX/XXXX, I re-reported the fraud to Lexus and to their debt collector, XXXX, and officially requested for documents or evidence to prove that the Lexus account was indeed authorized by me and per XXXX request, I re-sent them my police report and letter to resolve my case. Once again, I did not receive any documents or sufficient explanation of how the investigation was conducted and what the findings were, except for a simple notice letter that stated that the Lexus account was not fraudulent. Hence, I asked for the Consumer Financial Protection Bureaus involvement in order to resolve this fraud issue in XXXX, XXXX.
Finally, with CFPBs involvement, I received the lease agreements and some supporting documents that were associated with my Lexus lease account on or about XX/XX/XXXX, from Lexus. After carefully reviewing every single page of the file, I was assured that this case was obviously fraud and that Lexus approved a lease on their vehicle without reviewing the documents in a proper manner. I have found several matters which clearly show the XXXX account was not authorized by me and I am a victim of identity theft.
Finding 1 : Suspicious documents that Lexus provided to CFPB.
The documents that Lexus provided to me were not actual original documents from me ; the documents were faxed to Lexus on XX/XX/XXXX ( almost month after my original fraud alert to Lexus HQ as well as XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX ). Considering the Lease application and agreement were completed between on or about XX/XX/XXXX, and on or about XX/XX/XXXX, Lexus seemingly did not possess the actual documents themselves and neither did the dealership. Considering my fraud report to the dealership was made at the end of XXXX, the documents were seemingly faxed from a third party to the dealership/Lexus Headquarter after the fraud report was made. There is reason for belief that Lexus themselves may have distrusted the credibility of the source from whom they received the faxed documents and the faxed documents themselves ; for last two years despite my continuous requests they DID NOT provide me with the documents they had, which upon close examination turns out, are not even actual copies of the original documents.
Finding 2 : Invalid Driver License The picture of the drivers license that was used is an old and expired one that was not valid during the time it was faxed over. The drivers license used was one that I had temporary lost and then later found in my apartment where I used to live with the suspect. On XX/XX/XXXX when the picture was faxed to Lexus, I was living at a different address and I renewed my Driver license on XX/XX/XXXX. Please check the included copy of my renewed driver licenses ( Incl 1 : Nevada Drivers License ).
The drivers license that Lexus provided to me was not an original copy of my actual drivers license. It was actually the copy of a photograph someone took of my drivers license and then later faxed it to Lexus ; Lexus does not have an actual copy of my driver license.
Finding 3 : False information in Credit Application ( 1 ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX does not exist according to the Police Station of XXXX XXXX, XXXX XXXX. The only address existing related to the street, XXXX XXXX in the Zip Code is XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX which is a brand new community in that area. Also, the street number is the same as the APT number. This is a completely made up address to attempt fraud. Also, I lived at a different address when the lease application was made on XX/XX/XXXX ( please see Incl 2 : Apartment Lease Agreement ). I have never resided in XXXX before.
( 2 ) Occupation : I have never worked at XXXX. XXXX, which is located in XXXX, XXXX XXXX. It would not be possible for me to work at a company in XXXX while residing in XXXX, XXXX. XXXX XXXX is the only employer of XXXX, whose headquarter is located in XXXX, XXXX, and I worked at their XXXX XXXX branch. There is no empolyers name XXXX. XXXX and I was working at a local XXXX XXXX in XXXX XXXX as of XX/XX/XXXX when the credit application was filled out. If you look at my W2 forms and employers in XXXX, there is no employers name related to XXXX. XXXX, and I have never been a sales Manager of any company. The employer information is thoroughly false. ( Incl 3 : W2 form in XXXX ).
( 3 ) Phone number : the phone number used for the lease application was one of fraud cases. It was related to XXXX and XXXX XXXX was the debt collector. I reported this fraud case to them and they recently resolved this fraud for me. Please, review the Incl 4 : XXXX XXXX, Letter, which proves that the XXXX telephone account was cancelled due to the fact that the account was fraud and I was victim of identity theft.
Finding 4 : Signature All of the signatures may seem to be the same as mine, but they are not my signatures. My signature can be easily copied as long as someone can scrawl my name in XXXX and English. Considering the suspect is a XXXX XXXX whose first language is XXXX, who knows how to write in XXXX , and who has a history of fraud targeting many XXXX- XXXX people , it would not be difficult for the suspect to copy my signature to commit this fraud. Incl 5 : Signature samples on XXXX Passport, American Passport, DMV, and Citizenship docs.
Finding 5 : Suspect The suspect ( XXXX XXXX XXXX ) of this fraud is my ex-roommate who could access my private information and personal items, such as drivers license, social security card, etc, at any time. He was originally born and raised in XXXX XXXX area and moved to XXXX XXXX in tmid XXXX. According to the manager of XXXX XXXX XXXX XXXX XXXX XXXX, a person who picked up the leased vehicle was not me myself, but a broker from the XXXX XXXX area, and I assume that the broker was the suspect ( XXXX XXXX XXXX ), or, at least, someone from his network in XXXX XXXX. There have recently been reports of, XXXX-Americans in the XXXX XXXX area who have reported the suspect regarding fraud and extortion of money from innocent people ( Please see the Incl 6 : the suspect report posting translated to English ). Also, the suspect ( XXXX XXXX XXXX ) changed his car twice in a year while he resided in the XXXX XXXX area, explaining why the XXXX vehicle was repossessed in XXXX XXXX, XXXX.
Conclusion Considering the matters I have found in the documents that Lexus shared with CFPB and forwarded it to me by CFPB, and Lexus uncooperative response toward my continuous requests for verification of debts or supporting documentation for the last two years, the investigation could have been conducted in an impartial method. I can not help to believe Lexus disobliging manner of resolving this fraud case is because they already acknowledged that they approved a lease application without careful review or screening of the applicants information and supporting documents.
After responding to CFPB concluding that my account is not fraudulent on XXXXXX/XX/XXXX, I received a mail from Lexus. The mail ( dated on XX/XX/XXXX ) includes the identity theft affidavit form, which indicates that they found my account could be a potential fraud case and asked me to fill out a form of investigation request. From Lexus letter with the form, it can be inferred that Lexus denies to admit that my account was fraudulent till the time when they actually perceived certain indicators which highlight the fact that I am a victim of identity theft and that my account was fraudulently created.
This also demonstrates the important fact : Lexus does not want to admit that they approved a vehicle lease application without exercising necessary cautions or conducting their due diligence all while in a hurry to make a sale and furthermore attempted to shift their financial blame, burden and responsibility onto an innocent victim of identity theft. ( Incl7 : Lexus Identity Theft Affidavit ) Please review all of inclusive documents to this letter and resolve this case as soon as possible, so that I can concentrate on performing my military duties with professionalism without any further obstacles.
I sincerely appreciate your time and consideration.
Very Respectfully, XX/XX/XXXXXXXX XXXX XXXX Incl 7 1. Nevada Drivers License 2. Apartment Lease Agreement 3. W2 form in XXXX XXXX. XXXX XXXX, letter.
5. Signature samples on XXXX Passport, American Passport, DMV, and Citizenship docs 6. The suspect report posting translated to English 7. Lexus Identity Theft Affidavit, dated XX/XX/XXXX XX/XX/XXXX
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| 11/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with signing the paperwork
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Web |
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I've submitted a previous complaint but did not state the dealership involved as their name wasn't listed in the options, so I'm re-submitting so the relevant persons can be contacted.
During the period XXXX my wife and I went to various dealerships with intentions of purchasing a car. We were shopping around for the best rates and what would be affordable to us. The specific car we were interested in purchasing none of the dealerships we went to had it in stock. They were all asking us to reserve XXXX by paying a down-payment so it can be secured as they all had coming within a XXXX week periods. They all took all of our information to see what financing would look like for us. Nothing unusual as they all did it. On XX/XX/29 we visited another dealership this is where everything went downhill. The dealsership is known as Toyota XXXX but the paper work indentifies the company as XXXX XXXX XXXX Like all the other dealerships the salesperson was just trying to secure a sale, he did everything a salesperson would do to try to persuade a potential customer. Negotiated cost, payments and everything to ensure the vehicle we was looking for could work for us. As mentioned above they also did not have the car in stock but said they have XXXX that is scheduled to arrive within XXXX weeks. However, they XXXX have sooner because sometimes they come in earlier than stated or sometimes persons also reserve and cancel as well so we XXXX be able to get XXXX sooner. He couldn't give us the final cost of the vehicle nor the payments but said we have to discuss that aspect with finance, he then went and submit our information to finance. We waited until finance was ready for us and went to the office. The finance person then gave us a form giving him authorization to run our credit as he said that will be the only way to determine the re-payment options. After granting him he proceeded. He told us what it would be he actually printed the form with all the numbers. Before tax, after tax, with interest, with warranties and everything. He printed another form and showed us what additional warranties would look like and suggested what would be best and why. We agreed on what we thought would be best and allowed him to give us the additional costs with the additional warranties, after that he had us signing on a pad telling us what warranties we were signing to, what authorizations we were giving him and stuff like that.. It was our first time buying a new car and was clueless on all the details. All along we were thinking we were just signing what was needed to obtain all the information we needed not knowing we were actually purchasing the car with no option of cancellation if it reached to that for whatever reason. ( We were not showed what we were signing to and all we were thinking we were just giving authorizations as they would do even when you go to the doctor 's office because all they do is briefly tell you what you're signing to. And you don't expect them to lie to you because these thing have repercussions ). On XXXX we decided that we really couldn't afford the car and I called the salesperson to cancel. He told me I can't, I asked why and he said I own the car so I can't cancel now. So I said to him I don't own the car for that matter I have not even received the car as yet and he said unfortunately the documents I signed stated otherwise and there is nothing he can do for me I then asked him who can help me and he gave me his manager 's information. I was unable to reach the manager both that day and the following day and every-time I called they stated he was in a meeting I left a message for him to return my call which he never did so I then went to read the documents in full as I did not do so before and saw what he was talking about. Apparently one of the documents was a full finance agreement not just a finance quote to give us payment totals with a footnote reading " NO COOLING OFF PERIOD. State law does not provide for a " cooling off '' or cancellation period for this sale. After you sign this contract you may only cancel if the seller agrees or for the legal cause. You can not cancel this contract simply because you change your mind. This notice does not apply to home solicitation sales. '' However we was also given XXXX other forms XXXX said cancellation can be done XXXX after and the other 30 days and there is a fee of {$100.00}, neither forms were attached to anything so we are not sure where they belong but they were placed in the papers we were given. I then contacted the bank to see if I could cancel thorough them I was told they have not received any information as yet and the process usually takes up to 30 days. Nobody showed us what we were signing to nor did they tell us that is what we were doing. I decided to go into the dealership XXXX to see the manager because that is the only person the salesperson said could help me. The receptionist took my information and told me to wait in the waiting room. I saw the finance person and told him why I was here he also said to me I would need to speak to the manager. About XXXX mins later the manager came to discuss the specifics. I explained everything to him all he kept saying is he can't do anything because we already signed the forms and the car is ours then he said by the way the car is here and is waiting for us to collect, we told him the car can't be ours as we have not yet received it and that we contacted the bank which he is stating already got all the information and they said that they have not., he said he don't know why they would say that because everything is electronic and was sent to them immediately. So we explained how we felt about being manipulated and showed him that the contract said that is was up to them to cancel and he should have his finance people show persons what they are signing to or at-least be honest with them as to the steps they are taking when they are signing blindly to something. He said how would he know that it wasn't done, we then told him there is no reason to lie he could get the finance person and the salesperson to say they never told us he asked to give him a few minutes he left we watched him walk down the hallway stood for a few minutes walked back and said he's sorry he can't do anything the only thing he can offer is to help us pay the loan for the first 2 months while we sort out ourselves. He said we don't have a choice the car is ours and we have to leave with it because it's here. My wife then told him why would you give a car to someone that they can't afford that will only end up being repossessed or disrupt their entire future, she said there are alot of persons waiting on a list for the said car why not offer them the car even if it means we have to pay a processing fee or something and he said he can't. All he kept stating is that we have to take to car and that he's going to get the salesperson to give us to car. We waited for about XXXX minutes he did not come nor did we see him so we walked around the lot just to see if the car was really there it was and we then just left. About XXXX minutes after we left the salesperson called we did not answer the phone because we can't afford the car we don't want the car and the contract said it can be cancelled and they just refuse to do so. He called 4 times and sent some text messages asking to give him a call and stated the car is here for pick-up. I did not respond nor called him back. This was around XXXX. Around XXXX he called my wife 's phone XXXX time she was asleep and when she woke up she saw the missed call and text messages stating who it was and " They are dropping your car off on Monday. The car was ready to go today. Ignoring the calls won't find us a solution. I tried reaching out multiple times for the record ''. We then called back because we do not wa n't them to drop of the car although we don't know if thats something they can do. We spoke for a bit and expressed our feelings again and told him we would come in on Saturday as we would like to know whether or not this is the best solution. On Wednesday my wife texted him to let him know we will not be able to make it as as we will like to ensure we're doing the right thing legally we do not want the car and his goal is to have us accept it and he then said its out of his hands and it will be delivered to us regardless, she told him this was not a requested service and she don't see why they would try to deliver a vehicle in dispute especially a vehicle that was not ordered by us. Then she cut all communication. Now today Saturday at XXXX my wife received another text stating " Hi they are shipping the car Monday. Just so you know ''. I think this is real manipulation and people should be aware of dealerships like this.
Any documents needed will be presented. Their business name was not listed in the options provided so I've listed the financial institution from the paperwork.
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| 10/07/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem extending the lease
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Web |
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To whom it may concern : I am writing to address our concerns with the negative credit marker that was placed on our credit by XXXX XXXX. The account number is XXXX for a XXXX XXXX XXXX. In XXXX we were notified by our credit reports that a 60 day delinquency was reported. I am hoping that after you complete your review of the events that occurred on our account file, that the credit marker will be withdrawn. I will start with the end of XXXX, as that is when the issues with XXXX XXXX began. XXXX is when my lease agreement was coming to an end. Then I will provide a timeline of the events.
For three years I had perfect payments during the life of my lease agreement. At the end of XXXX the lease was coming to an end and on XX/XX/XXXX I called and was given information on my options to either purchase the vehicle or to return the vehicle. On that call I was advised that they would send me to the retention center to assist me in learning the next steps if I was interested in learning more about the purchase option. At the end of that call, I was advised that a formal letter with the payoff amount and documents to take to my bank would be sent to me, and that I would receive a call from XXXX to go over the details. On that call they advised me that they gave me a 10 day extension to allow for the paperwork to get to me. For the next few days I called multiple times and kept hitting long hold times and many times the calls would disconnect me after upwards of one hour wait times. I also left XXXX multiple messages with no return calls. I had been trying to call as I had not received any letters and my 10 day extension was about to end. On XX/XX/XXXX I finally was able to reach someone at XXXX XXXX the representative did confirm that XXXX had been having phone issues and that they were aware of the long wait times and difficulty people were having getting through to them. On this call I advised that I had not received the paperwork and the representative advised she would make sure they were sent out, and again for me to wait for the documents.
Mid XXXX I finally received a letter dated XX/XX/XXXX that included the documents I needed to process the purchase option. Then the issue I had, was not only was the letter outside of the 10 day extension but my name was misspelled. Also as I was waiting for this letter to arrive, my car loan approval with my bank was aging. As the letter included legal documents for purchase, I again began trying to calling XXXX XXXX to get the name corrected. I made multiple calls and then on XX/XX/XXXX I spoke with an agent named XXXX. Now if this agent had been more trained and educated on the process, I do not believe that we would have had the upcoming issues that follow after this call. On the call I expressed my concern with the late paperwork and that no payment had been made. At that point, XXXX advised me that we had the option to do a lease extension. This was the first I heard of this option. She advised this option would help gives us more time to get the paperwork corrected and allow me more time to make a decision on if I wanted to keep the car temporarily during this timeframe or decide on if I wanted to buy the car. I was nervous with all the mishaps I had run into during this lease end process thus far and thought I should be safe by extending the lease option so that some sort of action was taken on a car situation that I felt was in limbo. I did ask XXXX if she knew what the payment amount would be on the lease extension and she advised she would have to go recalculate the numbers and that she couldnt advise of the exact amount. I offered to make a payment with XXXX on the line as I didnt want there to be any payment defaults, she stated that she couldnt take the payment at the time as she was unaware of the amount due. She told me that there was no defaults at the time and that they have noted in the system that they were working with me on my lease end options. She did at that time state that she saw a late fee that she would waive and she advised that I should wait for a letter that will be sent to me for my lease extension, and that I would get a separate letter which would serve as my bill for my first payment due on the lease extension. She did advise me on the phone that I would be approved for the extension due to my perfect payment history. It is disheartening to later find out that the lease extension payment amount would be the same amount that I had been paying during my lease agreement. A simple solution would have been for XXXX to be able to take the payment during that call or to have been educated enough to have advised that the payment amount would be the same and provide a due date for payment.
In subsequent calls to XXXX, I called to follow up on my lease extension and was advised that something was not entered correctly on the XX/XX/XXXX call and that my lease extension was finally processed over a week later on XX/XX/XXXX. I was also advised on another call with a representative XXXX that he stated that XXXX was in error as they had not sent me a XXXX statement and he also advised that we should of received a call on the 11th day if a payment was ever missing and he validated that XXXX did not make that outreach call to me. I also can vouch for the fact that I never received any calls about any late payments. I completely trusted XXXX when she advised me that my next steps would be to wait for the formal lease extension letter and to wait for my first bill before making a payment.
On XX/XX/XXXX I received a credit notification from my credit card that my score had been lowered due to a late payment. I then called XXXX as it stated it was a hit by Toyota Financial and I assumed that it was tied to my XXXX lease. I spoke with XXXX on XX/XX/XXXX who advised he understood all the misguided information that I was provided and he advised he would reverse the second late charge on my account as I had made a generic payment of {$900.00} while I was waiting on letter that XXXX had promised. XXXX helped to send over a verbal dispute for me during the call and he was very helpful.
On XX/XX/XXXX I called back to get an update on the dispute and was advised that a decision had been made on XX/XX/XXXX to not overturn but I did not get a call on this decision. Also on this call I asked for verification that payments were caught up until XXXX. The agent also explained that the next steps for me was to do a formal written complaint that would go to another department to do a thorough review. By this time I was very frustrated with the entire lease process and had decided that XXXX was not a company that I wanted to continue to support with my business and made the decision to turn in the lease on XX/XX/XXXX.
On XXXX I received a letter from XXXX stating that they had not received the Odometer Disclosure Statement. As I already had little faith in XXXX I had the made sure to ask the representative, XXXX XXXX to make me copies of all the documents on my turn in date. So on XXXX I called and spoke with XXXX who verified that the error was on their part and that the form was turned in late but that they did have it now. XXXX was very helpful and was able to confirm what XXXX had advised me before that she also did not see that XXXX ever sent a XXXX Statement and that she does not see anywhere that they tried to contact me to advise of a needed payment during the months of XXXX and XXXX. At this point I am asking you to please consider all the facts presented during the window of XXXX and XXXX and to please remove the credit marker that was unfairly and incorrectly place on us. At this current time we were in the midst of purchasing a house, and dependent on our excellent credit standing to be able to provide for our family. We are not trying to ask for reimbursement or compensation for the two additional months I paid for the lease extension while I was waiting on paperwork, I am just requesting for you to reverse the damage to our credit that was caused by the processing delays from XXXX XXXX.
At XXXX you state that you are committed to making your experience as seemless as possible but at this point my credit standing and financial security has been greatly affected by your companys inadequate customer service. I appreciate your time in this review and if you have any additional questions or need additional documentation please outreach to me at XXXX XXXX XXXX XXXX or send me an email at XXXX.
Sincerely, XXXX XXXX
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| 10/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have used the Toyota Financial Services app on an XXXX device since I first purchased the car on XXXX of XXXX and had never had an issue with payment processing. On XX/XX/XXXX I tried to submit a payment in the amount of {$770.00} and received the usual message that my payment has posted successfully. A week later I received a notification email that said my payment failed. I knew the funds were available but double checked that nothing funny was happening with my bank account activity and everything was good on that end ( I typically keep 3 months worth of income available in that account ). On XX/XX/XXXX I tried to process the payment again through the app in the same amount ( {$770.00} ) and again received a notification that my payment processed successfully, only to find no activity in my bank account and another notification a couple weeks later about a failed attempt to collect the funds. On XX/XX/XXXX I tried to see if a lesser amount would process and tried to send {$600.00} and received an successful and then failed notification. This happened again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. I contacted Toyota Financial Services on XX/XX/XXXX and the customer service representative and the manager both said it is a " known software issue '' where the app is not connecting with their payment processing server but that it has been fixed and to try again. I did try again on XX/XX/XXXX and XX/XX/XXXX until I got frustrated enough to take care of the past due amount over the phone and get the account current. The manager assured me that they were unable to do anything about the negative credit report unless I contact their " credit dispute research team '' which I did in XXXX and received a letter back saying their analysis showed that their original finding was correct and the payment was late. I explained everything I just explained above and sent a copy of an amended bank account statement for XXXX and XXXX to validate my claim. The audacity of this group to say that it is a consumer issue and not theirs yet have impacted several thousands of customers who, like myself, have ALWAYS paid on time reflects on their company culture and values. They have customer service representatives who are admitting that they have heard this same issue from many customers and are aware of the issue, but it is the customers fault! Does it make sense that if you have always done payments a certain way - the way their sales representatives suggest at the dealership, and it works for over 8 months, and then lets you know your payments are successful and then fail several times, that the customer is at fault? Normal transactions that assure you something is successful, usually mean just what they say. In the case of Toyota Financial Services successful means that it could be successful or that they will come after you and impact your credit when they are at fault or have a payment processing issue on their end. Everything is wrong with this! Be aware of this and consider financing elsewhere. It is like they are purposefully trying to make the consumer appear as they are making no payments- for instance, on the app for the payment in XXXX of XXXX, they do not include this in their transactions even though it has already come out of my bank account and the statement for XXXX shows a past due balance. However, when I contact their customer service, they say my account is current. They should be fined for this kind of misinformation and blatant misleading of consumers.
ATTACHMENTS 4tfs.jpg ( 141 KB ) 2tfs.jpg ( 7.8 KB ) 6tfs.jpg ( 140.8 KB ) 3tfs.jpg ( 139.3 KB ) tfs1.jpg ( 174 KB ) 8tfs.jpg ( 140.5 KB ) 7tfs.jpg ( 161.1 KB ) 5tfs.jpg ( 141.4 KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond.
Their response should include the steps they took, or will take, to address your complaint.
Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days.
Company responded XXXX XXXX responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for bringing your concerns to our attention. Our records reflect on XX/XX/XXXX, you signed a retail installment contract for the purchase of a XXXX XXXX XXXX. Pursuant to your contract, 75 payments of {$640.00} are due on the XXXX of the month. On XX/XX/XXXX, you scheduled a payment for {$770.00}, which would have covered your XX/XX/XXXX payment, however this payment and the payments made on XX/XX/XXXX ( {$600.00} ), XX/XX/XXXX ( {$650.00} ) and XX/XX/XXXX ( {$350.00} ) were all returned for insufficient funds because your financial institution was unable to locate an account ending in XXXX. During our investigation, it was discovered that your prior payments were processed via a checking account ending in XXXX. We have confirmed that the late payment for XX/XX/XXXX resulted from your payment being returned by your financial institution as opposed to any software issues on our part. On XX/XX/XXXX, you made a payment of {$650.00} via your debit card, which covered your XX/XX/XXXX payment. Because your XX/XX/XXXX payment was received more than 30 days after the scheduled due date, the payment was reported as late to the Consumer Reporting Agencies ( CRAs ). A copy of your payment history is attached for your reference. Because we are required to accurately report your account history, we are not able to accommodate your request to remove the negative information. However, it is our understanding that you may have a 100-word statement added to your credit profile explaining the circumstances that led to the adverse reporting. Please contact the CRAs for assistance in placing the statement on your profile should you choose to do so. As a courtesy, the contact information for the CRAs is provided below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ************ XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX ************ XXXX XXXX XXXX XXXX XXXX, TX XXXX ************ XXXX Customer Service XXXX XXXX XXXX XXXX, PA XXXX. We appreciate you taking the time to write and provide your feedback to us. Should you have any further questions or concerns, please contact our Customer Service Center at XXXX for assistance. Thank you.
Toyota is again failing to address their own KNOWN SOFTWARE ISSUE. Where they fraudulently report that notices of insufficient funds were received the several times Ive tried to submit payments ( see dates above ) and yet they failed to listen to their recorded conversations that I had with their representatives and managers who both knowingly admitted that Toyota Financial Services has a software issue. They lie about just like XXXX XXXX and its known throughout the company. This is unacceptable. And here is the litmus test for my case- Ive NEVER CHANGED my bank account information. Their newest update in late XXXX made me re-enter my bank account information but have always maintained the same account, for why would I change my bank account number? And the lie that is so easy to be called out is that TOYOTA FINANCIAL SERVICES states that an account with a XXXX was not located. Oh really? But yet also notifying of insufficient funds? This is the kind of hassle you have to deal with. And they literally try to exasperate you until you just accept their answer. This is downright absurd!
Toyota Financial Services needs to come clean about their massive fraudulent cover up of their own software issue that issue wreaking havoc to consumers. And they need to make this right. For instance, if, I used my debit card attached to the same exact bank account both ending in the same numbers. How is it possible to receive an insufficient funds notice on one and not the other. As Ive stated, Toyota doesnt care that Ive provided my bank account statements showing my account balances for the weeks of my attempted payments. They dont care that on my banks end it never received a transaction attempt from Toyota . And yet they blatantly lie about the insufficient funds and about this made up bank account number. They need to own up to their faults. A class action suit needs to happen so this company can be penalized for the hours and dollars they setback consumers.
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| 09/10/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I the consumer, natural person, Original Creditor sent Toyota the following letter edited to meet the above criteria. The original lease took place on the XXXX of XX/XX/XXXX. It has many discrepancies and full disclosure was never given. They also fraudulently reported on my personal credit reports as well as under valued my trade in for their own benefit and never showed me the fair consideration due to me according to federal law. They have expected me to pay {$460.00} every month in federal reserve notes and as below I allege they never, nor did anyone else ever, loan me anything and I therefore have no debt. The remedy I demand is stated below and is based on evidence found in 15 USC chapter 41 violations as well as including and not limited to : personal stress, mental anguish, marital strain, loss of time, etc. Thank you for your consideration in this matter.
Attn : XXXX XXXX, CEO Cc : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Fax : ( XXXX ) XXXX ( XXXX ) XXXX NAME HERE.
Greetings and good day, Nunc pro tunc, meaning now for then, is a phrase I have recently learned while spending time on my own general research and development into our modern day credit system. It has come to my attention that the UNITED STATES is, according to law, a federal corporation and that the UNITED STATES went bankrupt in XXXX as well as went off of the silver standard officially in XXXX and is thereby running deceptively on exchanges of nothing more than fiat federal reserve notes, aka a promise to pay, and there is no way for any consumer, natural person nor any one nor any entity to pay any real money for anything. It has come to my attention, nunc pro tunc, that my only other lawful option would be to enact a consumer credit transaction and discharge the alleged debt arising from the transaction by my action of autographing said lease agreement document, and alleged promissory note. It is a fact that I, the consumer, natural person in fact, and Original Creditor may therefore pass along said promise to pay by certain means subscribed in the Uniform Commercial Code, fiat notes, or discharge the debt using my signature and open ended consumer credit plan according 15 USC 1602j. I allege that I, the consumer natural person have never been paid any real money in my life and can therefore never pay any real money or owe any debt to anyone. I allege this entire transaction was based on fraud, deception, and a lack of disclosure. I allege this was done intentionally to get I, the consumer, natural person and Original Creditor to pay an alleged debt that never existed and that could therefore not be owed for the simple fact that fair consideration was not and could never have been given. That, if any alleged business was done, it was done by and with the account known as and its alleged Social Security Number that which according to 18 USC 8 is an obligation of the United States which includes and is not limited to includes certificates of indebtedness. Thereby, leaving I, the consumer, natural person in fact absolutely no lawful money to pay for any alleged debts. I therefore allege there is no debt, there was no debt, and has never been a debt ; that I can not and could not have owed anything to your company. I allege you are and were aware of these facts and failed to disclose them to I, the consumer, natural person in fact at the time of allegedly loaning I anything. I challenge you to share the wet ink signature contract I allegedly signed on the day in question. I challenge you to produce evidence that you did not profit off of the XXXX XXXX I traded in to your company, nor by hypothecating the alleged lease contract I allegedly signed. I challenge you to present to I, the consumer, natural person in fact your journal and ledger entry proving once and for all that your company ever loaned I, the consumer, natural person and Original Creditor in fact anything, and therefore your company never gave and could not give fair consideration in the consumer credit transaction that took place. Furthermore, upon review of my private credit report your company has violated my rights on several occasions and in many ways including but not limited to : reporting my private information every month to alleged reporting agencies without my permission, as well as your company claimed in the name that I, the consumer, natural person needed assistance because I was Affected by natural disaster when taking my XXXX in trade which is completely false and misleading and I never gave your company permission to do so. I demand remedy for damages in the amount of {>= $1,000,000} for the sum of each report violation action taken against I, the consumer, natural person of my private information without my permission and without full disclosure of the facts as well as for personal and private stress and mental detriment and anguish and marital strain, etc. that continues to occur on a daily basis due to this alleged debt. The alleged consumer reporting agencies are nothing more than a fraudulent tactic to intimidate consumers used by companies and banks in an attempt to extort I, the consumer, natural persons open consumer ended credit and deceiving I, the natural person into paying an alleged debt that never could have possibly existed plain and simple. I also demand remedy for the original down payment of {$2000.00} paid on the date in question plus the total sum of every payment made since the beginning of this alleged lease agreement returned plus interest of 12.3 % for the number of months since the date of the alleged signing. I also demand 12.3 % of the sale of the XXXX XXXX XXXX, vin number, I traded in to your company that, again, your company reported falsely and in my name that I needed payment assistance due to Affected by disaster evidenced by attached credit reports. I allege the credit transaction was paid for and securitized upon my signature and by lending your company the social security number of as a registered agent and power of attorney for said account. The law states your company must rebut each and every allegation in this affidavit of truth within the scope of demands made by the consumer, and I demand you respond within 5 days of receipt of this letter, 15 USC 1692g, or you will be immediately put in default and taken to a court of comprehensive jurisdiction. Furthermore, as, I, am the consumer, natural person and according to consumer law and 28 USC 454 all attorneys and judgements are fraud and are guilty of High misdemeanor and have no bearing on I, the consumer, natural persons statements of fact that I, the consumer, natural person and Original Creditor state. I hereby demand you immediately close this account and immediately cease and desist all action against, I, the consumer, natural person also known as, heir, consumer, natural person dba, immediately and send I, the consumer, natural person in fact the Manufacturers Certificate Of Origin ( MCO ) within a 30 day time period, or legal action will be taken against your company. The property in question is for family use as stated in said lease agreement ( see attached copy ) and is therefore a consumer good by law 15 USC 1602i described as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vin number. Again, if, I do not receive a response from your company within 5 business days 15 1692g, legal action will be taken against TOYOTA MOTOR XXXX XXXX, XXXX.as well as TOYOTA MOTOR CREDIT CORPORATION. Do not bother sending me a contract as evidence of an alleged debt as the contract I, the consumer, natural person allegedly signed is hereby null and void based on the facts previously stated in this Affidavit of Truth. If you proceed to waste more of my limited time on this matter I will have to continue to charge for my time and let it be known on the record, for the record and let the record reflect, I hereby charge {>= $1,000,000} per work hour that will be calculated onto a Bill of Particulars if necessary. I look forward to your response. Thank you an
d may peace be with you. Most Sincerely, Consum
er, Authorized Agent, Heir, Natural person
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| 04/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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On XX/XX/XXXX, I purchased a new XXXX XXXX XXXX, XXXX XXXX, for {$28000.00}. My name is XXXX XXXX XXXX my account number is XXXX. I purchased it in XXXX, XXXX. The above account number is Financed through Toyota Financial Services. I was informed that my first payment would be until XX/XX/XXXX. To my surprise I received a bill dated XX/XX/XXXX informing me of my payment due date of XX/XX/XXXX and that it would be considered late if paid after XX/XX/XXXX. I was impressed and pleased that I was being financed through a company that had it together. I quickly went online and registered my account. I scheduled my payment and it posted to the account on XX/XX/XXXX. I then came back to my online account on XX/XX/XXXX and set up automatic payments through the link in the email they sent me XX/XX/XXXX confirming my payment. I added my XXXX XXXX XXXX account and set up payments to happen on the XXXX of every month.
I then received an email saying " Congratulations, XXXX. You did it! Your TFS account is running on all cylinders ''. Then bellow that it stated " You've done it! Your TFS account is fully optimized with online payments and paperless monthly billing.
What else can we say except thanks for going places with us! ". At this point I was assured that everything was done and set up. At the time I was headed out of XXXX to XXXX, XXXX. For a training and work event, I left XX/XX/XXXX and didn't return until XX/XX/XXXX. That was enough time and information overload for me to move on from worry of my payment or concern that something would go wrong. I did not know or was communicated anything until I called and set up an appointment to have my car serviced on XX/XX/XXXX. They advised me on my late payment because my agent was helping me check in on some info on my account for me. I then went to my bank and requested a search for my payments to TFS. They only came back with the one that was processed on XX/XX/XXXX. I was in the process of switching banks around and my finances were all over the place. I could not understand how I was kicked off of auto pay. I thought maybe there was an issue with my Credit union so I made a payment from my XXXX XXXX XXXX account on XX/XX/XXXX for {$850.00} to cover XXXX and XXXX. I contacted TFS that same day and explained the situation and they said that I would be fine. They did not advise me of any issue to the action they took on my credit report at all. I was at peace thinking it was all taken care of.
To my surprise I received an alert from XXXX today XX/XX/XXXX stating TFS had updated my status of 30 days late as of XX/XX/XXXX. I could not believe that I was not informed when I called them and that they reported me 30 days late. I contacted them and they said there was no record of my call and that it was valid with no way to remove it. They did not provide me any options or explain how my auto pay was deactivate and why I did not get a notification that it was stopped. After some research I noticed that auto pay issues with dropping the enrollment are common with TFS. I tried them again just in case I did not explain the situation and requested Toyota Financial Services that the " late payment '' for reported XX/XX/XXXX be removed as a courtesy. I was informed that I had disputed the late payment & that the results were a correct reporting for the late payment. I did not state I was disputing the late payment on my credit report, but I was asking for a courtesy removal for the late payment due to the auto pay error in their system. My credit report now shows I have disputed the late payment with XXXX because it is an issue. When talking to Toyota Financial Services I am told they are unable to have me communicate with the credit reporting team & that I will have to send a letter instead. It is my understanding that, according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, they are required to notify me of the insertion of negative listings. I am in complete frustration that this is happening when I am in the process of buying a business and they are causing extreme damage to the possibility of it happening due to their error.
I have now received a response which simply states that because they can not see it in their system it never happened. They also went on to say that they could not find record of my auto pay. Well that is the problem the system dropped the auto pay or didnt accept it and I am being punished for a technology problem ( which has appears to happen often to other people and has been reported ) after receiving confirmation. They stated it was not confirmation for auto pay but confirmation for setting up my online account for payments ( which came after i selected my auto pay, put in my bank account, and selected my date of payment as the XXXX of every month ) that is what auto pay is a payment. They also stated that they attempted to contact me many times as of XX/XX/XXXX via phone. If the payment was due the XXXX of XXXX and considered late by the XXXX of the following month why did they wait until the XXXX to reach out? I am not available via phone and have email as my preferred method of contact. Why did I not receive any kind of notice? One one think that as a courtesy and having a new account they would take necessary steps to ensure the success of their agreements. They also stated dealerships are unaware the are able to issue goodwill adjustments. That was not told to me by a dealer but TFS customer service person because of the given the situation of the technology issue. Next they also went on to explain that it is stated in my contract the potential negative impacts of paying late. I am well aware and that is why I manage my payments. According to them they are reporting accurately and have confirmed that. Based off what their own records? How is that responsible and acceptable? It is a clear statement that they have a perfect technology with no room for error and that nothing has, can, or will go wrong. That is not a responsible thought process or way to conduct business. Technology is not perfect and errors have, are, and will continue to happen. If they are stating that they have a flawless system and can have a certified professional programmer, web designer, platform developer, server specialist, and provide the proof of 0 % margin of error then I will accept that negative mark. But if not then I can not simply accept " we can not find it so it didnt happen and you are responsible because it is in your contract '' is not morally right and a disservice to all us that trust in TFS 's ability to use reasoning and sound judgement when looking at the whole picture and doing what is right. Taking ownership of the possibility of an error and not using the situation as a power play to state the obvious implications of a late payment. That is a real passive aggressive move and extremely disrespectful. I would never treat any client the way they have treated me regardless of how long or little they have been a client. But i would evaluate the history they have with me and only me, see what happened, and then take the steps to correct what needs to be. If there is a history between us then that changes things but not when no negative history exists. A negative report can be withdrawn due to concurrent negligence because of a technology issue. Had that issue not happened then their would be no late payment therefor making it true and accurate reporting that an error was made and no late payment should have been reported. It comes down to doing what is right and logical based off the situation as a whole not just one side with the upper hand simply stating they checked and found nothing so it is valid. I have also provided a screen shot of one of the recent attempts at paying. It gave me an error saying it my request could not be completed at the time. So again I state there is more here than just a missed payment but a system issued that cause a late payment with no care from TFS but instead tossing me aside as though i am a habitual late payment offender.
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| 08/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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. Date : XX/XX/ To : XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Forward letter To XXXX Bureau of Consumer Protection Federal Trade Commission XXXXXXXX XXXX XXXX XXXXXXXX Washington, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX YOU ALL CLEARLY REFUSE TO DO AN INVESTIGATION OR DELETE THE INACCURATE INFORMATION FROM MY REPORT. IVE SENT MULTIPLE LETTERS AND HAVE GOTTEN NO RESPONSE. I AM BEGINNING TO FEEL LIKE THERE IS NOTHING THAT I CAN DO TO RECTIFY THIS SITUATION AND IT HURTS ME AS A MAN. The payment history is STILL incorrect on the oldest late payment The date of last activity is STILL incorrect The name of the creditor is STILL misspelled There are STILL truncated numbers that shouldn't be truncated PLEASE Delete this account!! Thank you, XXXX XXXX Date : XXXX To : XXXX Supervisor, Legal Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXXXXXX XXXX XXXX XXXXXXXX Washington, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX OU HAVE SENT NOTHING TO VALIDATE OR VERIFY THIS DEBT AND IT HAS GONE UNINVESTIGATED THIS ENTIRE TIME ALTHOUGH YOU CLAIM THAT EVERYTHING IS VERIFIED. YOU NEED TO PROVIDE PROOF. NOT JUST SOME RANDOM DOCUMENTS THAT PROVE NOTHING .The payment history is STILL incorrect on the oldest late payment. The date of last activity is STILL incorrect The name of the creditor is STILL misspelled There are STILL truncated numbers that shouldn't be truncated Delete this account!! XXXX XXXX Date : XX/XX/ To : XXXX Supervisor, Legal Department XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXXXXXX XXXX XXXX XXXXXXXX Washington, DC XXXX Forward letter To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX USA Forward letter To : XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX MN XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX I HAVE SENT IN MULTIPLE LETTERS IN REGARDS TO THIS INFORMATION ON MY CREDIT REPORT. AS YOU CAN SEE, I HAVE ASKED THAT THE INFORMATION BE FORWARDED TO MULTIPLE AGENCIES AND COMPANIES AND IT HAS BECOME APPARENT THAT I AM BEING IGNORED BY THE BUREAUS AND THE CREDITORS ALIKE!!! The payment history is STILL incorrect on the oldest late payment The date of last activity is STILL incorrect The name of the creditor is STILL misspelled There are STILL truncated numbers that shouldn't be truncated Delete this account!! XXXX XXXX Date : XX/XX/ To : XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXXXXXX, XXXX Washington, DC XXXX Forward letter To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : Toyota Motor Credit Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX In spite of any arbitrary information that you have responded with my credit report is STILL REPORTING INCORRECT AND INACCURATE INFORMATION!!!! Clearly, you are not doing an investigation in regards to this ACCOUNT!!!! YOU NEED TO PROVIDE PROOF!!! The payment history is STILL incorrect on the oldest late payment The date of last activity is STILL incorrect The name of the creditor is STILL misspelled There are STILL truncated numbers that shouldn't be truncated. DELETE THIS ACCOUNT IMMEDIATELY OR BE PREPARED TO PAY DAMAGES you havent sent any documents in regards to the reposession or any documents in regards to the selling of the car at auction and you need to have provided all that information in your initial response. Please cease and desist all contact aside by mail until you can get this information corrected.Thank you, XXXX XXXX Date : XXXX To : XXXX Supervisor, Legal Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXXXXXX XXXX XXXX XXXX Washington, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX USA Forward letter To : XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX FL XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX The payment history is STILL incorrect on the oldest late payment The date of last activity is STILL incorrect The name of the creditor is STILL misspelled There are STILL truncated numbers that shouldn't be truncated. i'M NOT UNDERSTANDING HOW YOU ALL COULD POSSIBLY BE DOING AN INVESTIGATION AND THEN TURN AROUND AND SAY THAT EVERYTHING IS VERIFIED AS ACCURATE AND THEN, WHEN I PULL MY CREDIT REPORT AGAIN, EVERYTHING THAT I HAVE LISTED IS WRONG AND INACCURATE IS STILL WRONG AND INACCURATE WHY ARE YOU LYING TO ME? YOU ALSO NEED TO PROVIDE THE CFPB WITH PROOF AND NOT JUST RANDOM DOCUMENTS, XXXX XXXX Date : XX/XX/ To : XXXX Supervisor, Legal Department XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXXXXXX XXXX XXXX XXXXXXXX Washington, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX YOU HAVE FAILED TO COMPLETE A PROPER INVESTIGATION AND CORRECT YOUR ERRORS AND ITS VERY FRUSTRATING PLEASE DELETE THIS ACCOUNT The payment history is STILL incorrect on the oldest late payment The date of last activity is STILL incorrect The name of the creditor is STILL misspelled There are STILL truncated numbers that shouldn't be truncated WHERE IS YOUR PROOF OF ANYTHING? YOU NEED TO PROVIDE IT TO MYSELF AND CFPBXXXX XXXX Date : XX/XX/ To : XXXX Supervisor, Legal Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXXXXXX XXXX XXXXXXXX, XXXX Washington, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX WHY WONT YOU INVESTIGATE THIS AND SEE THAT EVERYTHING THAT I AM TELLING YOU IS THE TRUTH? YOU ARE REQUIRED BY LAW TO INVESTIGATE MY DISPUTE AND CORRECT THESE ERRORS AND I HAVENT EVEN GOTTEN ANYTHING. THERE ARE SO MANY THINGS WRONG WITH THIS ACCOUNT THAT I KNOW FOR A FACT THAT YOU DIDNT DO ANY INVESTIGATION OR YOU WOULD HAVE DELETED IT ALREADY!! YOU NEED TO PROVIDE PROOF. THE BURDEN OF PROOF IS ON YOU AND NOT ME. The payment history is STILL incorrect on the oldest late payment The date of last activity is STILL incorrect The name of the creditor is STILL misspelled There are STILL truncated numbers that shouldn't be truncated Delete this account!! XXXX XXXX Also, I informed XXXX that they were reporting incorrect addresses for me and they refused to delete the inaccurate addresses. My only address is the address on my identification card that is attached any other address reporting is inaccurate and here by willful noncompliance if still being reported although i have been requesting this address change for months and XXXX is the only bureau not willing to do so. Also, I requested that these complaints continue to be forwarded to the ftc as well as the XXXX as in the past. Thank you
|
| 11/20/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Older American |
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This lease agreement is for a XXXX XXXX XXXX XXXX acquired at XXXX XXXX XXXX, or XXXX XXXX IMPORTS, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX on XX/XX/XXXX. I submit, based upon the following information, that the monthly amount being charged under this lease is incorrect.
1. The Motor Vehicle Retail Order should have been completed at the time of deposit, with all requisite charges, etc., listed therein. I was not provided with this order, copy enclosed. Not until reviewing the lease contract paperwork after the deal closed did I locate this order, and as you can see, it is basically blank. All items are N/A except {$390.00} for the XXXX fee XXXX and {$590.00} for documents and clerical. This is in violation of XXXX XXXX and Federal law.
*** Note *** The waiver included in the contract paperwork was provided at the deal closing, when we were picking up the vehicle. It should have been provided 24 hours PRIOR to deal closing. At no time did the dealership disclose rights under NJ law for a 24 hour review. Also note no here on the waiver does it indicate the agreed upon price {$2000.00} over MSRP.
2. The agreed upon MSRP for the vehicle was {$52000.00}, however, the lease contract agreed upon price was {$54000.00}, an increase of {$2000.00}. At no time, either verbally, or anywhere in writing on the lease agreement is the increase of {$200.00} enumerated as line items.
3. On XX/XX/XXXX, via telephone, upon questioning this discrepancy with XXXX XXXX, Finance Manager at XXXX XXXX XXXX, I received some incoherent story about how this is extra payments made to XXXX, and something about the dealership having to pay for the car. I thought it was nonsense and advised that I would be at the dealership the following day to retrieve my plates and wanted to speak with XXXX XXXX and the Sales Manager in person.
4. On XX/XX/XXXX I was advised by XXXX XXXX, a Sales Manager at the dealership that XXXX XXXX had called in sick, but I was to meet with XXXX XXXX, a General Sales Manager and XXXX XXXX, another Finance Manager. After retrieving my contract online, XXXX XXXX acknowledged that I was in fact over charged {$1200.00}. Neither XXXX XXXX nor XXXX XXXX explained the reason for the overcharge. Again, it is not listed or explained anywhere on the contract. He added the commensurate NJ sales tax and came to a refund number of {$1300.00}. XXXX XXXX assured me that he would have accounting issue a check the next day and overnight it to me. I have a copy of the receipt. I asked XXXX XXXX to simply re-configure the numbers with Toyota Financial Services which would adjust and reduce my monthly payment. He stated unequivocally that he could not do that. I called Toyota Financial Services and they advised that in fact that could have and should have been done.
5. At this juncture I will note that I have records and email correspondence to coincide with these interactions and have provided copies enclosed.
6. The following day, XX/XX/XXXX came and I did not receive a check from XXXX XXXX XXXX as promised.
7. I began inquiring of XXXX XXXX as to the status of the check. This involved numerous phone messages and emails that go unanswered. I spoke to XXXX XXXX on Friday, XX/XX/XXXX who now advised that he would require my returning to the dealership to sign a release form for the refund check, I inquired as to why the change of terms from what he previously advised, and his response was that he never had this happen and it was new to him. I advised that I did not want to make another trip and waste gas as this dealership is somewhat far from my home. XXXX XXXX emailed the release to me which I signed and returned to via email on XXXX. Copy of the release is enclosed.
8. On Monday XXXX I received a check from XXXX XXXX in the mail for {$220.00}. I was advised by XXXX XXXX, XXXX XXXX, this was reimbursement for excess DMV charges.
9. On Wednesday, XXXX I placed a call to XXXX XXXX regarding the status of the refund. I have not received a return phone call, and as of this date I still have not received a refund of {$1300.00}.
XXXX. On Tuesday XX/XX/XXXX I received a check via XXXX from XXXX XXXX XXXX in the amount of {$1300.00}.
XXXX XXXX XXXX XXXX XXXX XXXX Ins. And XXXX XXXX XXXX. I have enclosed copies of email correspondence between myself and XXXX XXXX regarding my request to cancel the additional XXXX Gap coverage from XXXX XXXX {$390.00}, and the Window Etching charge of {$390.00}. I was advised by the XXXX that XXXX XXXX would deal with those issues.
XXXX. At lease signing I advised that I did not want or need XXXX XXXX. It is a waste of money. I was advised that the etching is mandated by XXXX. I called XXXX and it IS NOT mandated. I made it very clear in my emails that I want the window etching cancelled. Upon inspecting the vehicle, actual window etching does not exist. It is simply some stickers placed on the inside of the doors. I also made it clear that I wanted the XXXX XXXX cancelled as well. I was advised by XXXX XXXX that the funds from those cancellations would not go to me, but would go to Toyota Financial Services.
3. At some point in the emails you will see XXXX XXXX advise that the etching is mandated by XXXX XXXX XXXX. I called XXXX and they do XXXX mandate any window etching.
4. XXXX XXXX advised that I would have to sign a cancellation form for the XXXX. He emailed it to me, I signed it and sent it back. On top of everything I have to pay a {$25.00} cancellation fee for a product I did not want.
5. At this point I will refer you back to the contract. The {$390.00} XXXX charge and the {$390.00} window etching charge was part of the {$2000.00} added to the MSRP. Again, nowhere in writing as a line item on the contract are those charges listed.
6. As you can see in the email correspondence, XXXX XXXX advised that he could not cancel the etching, and referred me to the Sales Managers.
7. On XX/XX/XXXX I sent an email, enclosed to all of the Sales Managers advising that I wanted the Window Etching cancelled. To date, I have not yet received a response.
8. On XX/XX/XXXX I called XXXX XXXX as a follow up to my cancellation request for the XXXX and XXXX XXXX. I left a voice mail message and never received a return call.
9. On XX/XX/XXXX I went to the XXXX XXXX website and left an email message inquiring as to the status of the aforementioned cancellations. To date I have not yet received a response.
10. On XX/XX/XXXX I sent an email to XXXX XXXX as to the status of my refund from XXXX XXXX, and where the funds would be going for the cancellation of the XXXX. He stated it would take 30 to 60 days and never answered as to where the funds would go.
11. On XX/XX/XXXX I sent another email to the General Manager and all Sales Managers at XXXX XXXX XXXX inquiring as to my request to cancel the window etching. They received the emails but have not responded.
Based on the above facts as supported by document copies and email correspondence it is evident that something went seriously wrong at this dealership, in this deal. Laws were violated and compounded by poor or lack of communication from management. You have ample proof that I made every effort to rectify this issue at the dealership to no avail.
Despite the reimbursement of {$1300.00} received on XX/XX/XXXX, the issue of XXXX and XXXX XXXX still remains with the disputed amount of {$790.00}. No one at the dealership ever responded to my demand to cancel the window etching, and the status of my XXXX cancellation in unknown.
Therefore, based on the ongoing {$790.00} discrepancy, I have no choice at this juncture but to dispute the monthly payment as incorrect, and am requesting that you contact the dealership to rectify the matter, re-calculate the numbers to reflect a removal of the additional {$790.00} from the contact and adjust my monthly payment accordingly.
|
| 05/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
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|
Web |
Servicemember |
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I would like to report XXXX XXXX in XXXX XXXX for what I think seems to be an unfair treatment towards me and my mother.
On XX/XX/2019, around XXXX, I visited XXXX XXXX in XXXX XXXX asking permission to gain CCC ( Care, Custody, and Control ) of my mom 's car as I will be driving it and paying for the auto insurance. I asked them per the suggestion of XXXX to ask the lender first. Since I intend to drive it to XXXX, Florida, where Ill do my PhD studies, I asked whether it is also possible to register the car under my name with the DMV. My sole intent was to help my mother as shes old without much income. She had also had some issues with the same dealership in the past which I will narrate later. However, during the whole process, I feel like they did not even bother understanding the situation. They jumped right into recommending that I trade the car and sign for a new one. They even told me that the price is going to be the same for a better car given my credit score.
Trying to be polite, I considered listening to what they have to say. They borrowed my car keys for appraisal. That was the last time I got a hold of my car keys the sales representative seemed to have prevented me of going to the car by myself even if I asked for the keys three times. He always escorted me. After they looked at my car, the salesperson did not even bother explaining what the numbers are during the appraisal. To add, it even seemed like the whole time I was there the conversations I had with the sales representative was rather quick and lacked explanation. As I thought they close around XXXX, I thought this was the reason why the sales representative was running around most of the time. He never fully sat down and explain things thoroughly. I will explain more of this in a bit, but what I want to emphasize is that the salesperson made it seem like that the only option I have in order to accomplish my goal of relieving my mother with her financial burden was to purchase a new car. This was the impression I got since he was being too pushy with the sales. I tried calling some friends for advice, but he tried to interrupt me when I tried to make some phone calls saying that the car is yours with the deal thats on the table. Later, Ive found out from my mother that another sales representative of the same dealership told her that this is possible. Since both my mother and I were under pressure, this did not occur to her at the moment. I have a voicemail from the other sales representative to prove this ( In the voicemail spoken in XXXX, the other sales representative also used expletive language directed towards my mother ).
As I have said, the sales representative did not bother listening to what I have to say nor provide an in-depth explanation of the whole process. He kept running off and showing different numbers each time he came back to talk to us. I believe this just added to the confusion. On multiple occasions, for example, I asked whats the value of the new car, and what he kept giving us is the total price of the payments. This limited my ability to gauge whether the value of the car and what I am paying per month is reasonable. Multiple times, the guy ran off and said hes going to run, either talking to his supervisor, running my credit score, or what have you. I have not received the results of my credit report. I even asked him where they were, but this had been kept from me. He just gave me the total scores. Like I said earlier, I thought that they were closing and so I ran with it.
The sales representative also offered a lot of discounts and lowering the APR. But upon seeing the final contract ( after the fact ), the discounts are not annotated. The guy kept asserting that I know one of the managers even if I repeatedly said I don't. However, this has been continuously ignored. I told him that I worked hard for my credit score, thus, it will be unreasonable to give me a high APR rate. Yet with all discounts and with a close to 800s credit score, they've given me a 5.9 % APR. The sales representative said he will bump this down to 3.9 % but this is not shown in the contract, as I will still have paid " less than what I'll pay for in total ''. The next thing I know, the " new '' car is getting a carwash and I'm signing papers that will add thousands more to the value originally offered by the sales representative. It was around XXXX and everyone seems to be in a hurry. I, myself, also want to be out of there. Another person, at this time of the day, started selling us additional packages. And since it was late in the day, along with fatigue and confusion, some bad decisions were made.
The total payment I'd have to do for 6 years is close to {$45000.00} for a {$24000.00} car and {$250.00} more of what my mom was paying for her monthly payments with her original car. I also asked how much the actual value of the car, repeatedly. Yet the finance person stated, " I won't be able to tell you how much! ". However, under close analysis of the numbers in the contract, it was in the printed contract all along.
I'm also unsure how they determined I'm qualified for such payments as I've repeatedly said I am unemployed and is a graduate student. I also said that my income is only coming from my stipend. I also said I am moving to XXXX soon. One of the said managers there said, dont tell the bank that as they are thinking you have stability here. Yet, this is unclear because I only placed 1month for my history of residency. I even emphasized that I am not paying for the current place Im residing since I am coming back from living in XXXX. This has been the story the whole time and I repeatedly told them I am going to XXXX, yet they seemed to have ignored all these details in order to sell me the car.
My mom also suffered the same fate beforehand. The other sales representative, from what I have heard, seems to have falsified my moms salary. Making XXXX/hr who just recently purchased a house should not be eligible for a new car. But since she struggled to make ends meet, she tried to fix the deal and get something for cheaper. Whereas they first gave her a XXXX XXXX, they exchanged it for a XXXX XXXX. She was convinced by XXXX XXXX that that move would help her resolve her financial difficulties. However, what turned out as a decrease in the monthly payment, in exchange, prolonged her payment from five years to six years. XXXX XXXX is also supposed to refund my mom with {$1000.00} promised within 2-3 weeks from last XXXX. However, its almost XXXX and we have not received the said refund.
I tried to do what I thought a good son will do for her mother who just migrated to this country. Unfortunately, I fell prey myself. What I intend to do was get a CCC, and because of their sales tactic, I ended up almost 45 thousand dollars in debt. I am unsure how I will pay for this. Thus, I think that my mom and I were taken advantage of this dealership. Thinking Id get a cheaper deal since I have a higher credit score ended up terribly and in a much worse position. I honestly do not know how dealerships operate. And I think those like me wouldnt know too. I am a veteran who spent years out of the country. A high credit score, unemployed, and learned politeness while serving in the XXXX, made a perfect target for these types of what I think unethical sales practices by million-dollar businesses.
I hope that youd be able to help me. I do not want to be another statistic. I do not want to potentially be another homeless veteran. I have tried to talk to them 10hrs after the sales were done, and I have only driven 6 miles, yet they would not even want to hear me out. Instead, they have been passing me around to different departments or people. Hence, the purpose of this letter.
|
| 01/15/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Confusing or misleading advertising
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Web |
|
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To whom it may concern : Im filing a Consumer Complaint against XXXX XXXX XXXX XXXX XXXX for fraud, misleading unethical practices, sharing my information to third parties, and a code violation of the consumer law. On Saturday XX/XX/XXXX at XXXX XXXX I arrived at the dealership with a friend to speak to this sales rep name XXXX.
Before I step inside the dealership, I couldnt even get the chance to come in and breathe without some other sales rep coming to me in panic mode asking who Im here to see. Furthermore ; I told the sales rep that Im here to see XXXX. The sales rep took me to the front to let the person at the front know that Im here to see XXXX. The person at the front desk called for XXXX on the dealership phone and said that someone is here to see you.
Next, told me to have a seat and shell be with me in a minute. 4 minutes later, XXXX came to me and asked me that shell be with me in a few minutes, and that she was dealing with a customer and I said ok. As me and a friend waited patiently, 6 minutes later she came back to me and told me that if I wanted to speak to another sales rep while I waited.
I told her with all due respect, I dont want to speak with random people. I only wanted to speak to the person that Ive been communicating with via phone and text which is her. Or if she couldnt help me out, its only best if I speak to the her boss or the finance manager. She went to go talk to her boss which is also a sales manager name XXXX.
7 minutes later, she and her boss came over to the table where me and a friend waited to be seen, and she introduced me and a friend to her boss XXXX.
Then XXXX told me and a friend to come and see him at his place of business which is considered his dealership office. We headed that way and he told me which vehicle I was interested in, and I told him I would like to finance a XXXX XXXX.
But before I finished what I had to say, he told me and a friend lets go outside and look around for one. We walked and found only 2 left because the one I was interested in they sold it. Then I saw a XXXX XXXX XXXX XXXX. I was interested in that one. He told me and a friend to wait outside while he go get the keys to the car. We both said ok. 20 minutes had passed and it was getting close to night.
I knew my time is valuable, so I went in to speak to a sales rep to see if they can find XXXX because he wasnt at his place of business. They called him letting him know that a consumer which is me is looking for him. That person said he is now back outside. When me and a friend both met back up with him, he started to say he was talking to his brother and a customer he hadnt seen in a long time. I told him I wasnt here to waste time. He had the keys to the XXXX XXXX XXXX XXXX, showed us the interior and exterior of the vehicle, as well as the engine compartment.
We went back in and had a seat and he wanted me to fill out a credit application. However, instead of me filling it out, he filled it out which was strange and confusing.
Subsequently, he asked me a lot of questions regarding the credit application and I didnt give out too much information, but only a little since I know that they were sending my public information to third parties to see if Im approved or denied an auto loan. Suddenly, after he finished the credit application, he told me and a friend hell be right back, and that he was going to send this information over to run my credit.
10 minutes had passed, then from 10 minutes, it went to 15 minutes, then from 15 minutes, it went to 20 minutes. As a result, he showed back up and showed me the finance option paper which shows {$2000.00} cash down. He stated we have to have something, of course they wanted to take people money. So I told him I am a consumer and this is a consumer credit transaction, and when it comes to financing a vehicle, theres no such thing as a down payment.
That was a major red flag there and also fraud when these people want me to pay cash on top of financing a vehicle. A transaction can either be cash or credit, not both. According to consumer law and 15 USC 1611, their advertising false information.
XXXX XXXX ( XXXX ) But let your communication be Yea, yea; Nay, nay ; for whatsoever is more than these cometh of evil.
He told me hell be right back after I started stating facts and the law. 15 minutes later he came back and told me he had some great news. I dont have to put no money down which is considered {$0.00}. He then told me to wait to speak to the finance manager. I said ok. An hour had passed as me and a friend waited patiently. My friend left to go to the store and came back as I was still waiting to be seen by the finance manager.
The sales rep XXXX came by and told us she appreciate our patience and that their in a meeting and others are buying vehicles. We both said ok. Approximately around 8 pm the finance manager name XXXX XXXX, showed up and after I been approved for the vehicle, he started asking me if I had insurance. I told him the auto loan insurance is supposed to be included in the finance charge, in other words, all finance charges suppose to have insurance included by law. Furthermore ; he acted like he didnt know what I was talking about.
I also stated facts and the law, he said he was going to leave it up to XXXX. And started threatening me. And said he cant let me drive off with the vehicle without insurance, and gave me a XXXX XXXX insurance card. I remain calm, and kept my composure. I also told him thats optional, the dealership by law have to include insurance in the Finance Charge. He ignored me and became rude, disrespectful, arrogant and ignorant of the truth.
It was almost close to XXXX, and XXXX and XXXX showed up and I told them that I wasnt there to waste my time, my time is valuable, and Ive been here patiently waiting since XXXX. XXXX told me if I would sign the contract, I would get the vehicle and if I had the insurance, he would pick me up from my home, to take me Monday XX/XX/XXXX to get the XXXX XXXX XXXX XXXX.
I stated again the auto loan car insurance is supposed to already be included in the finance charge. He told XXXX to take me to the back of the room to the finance manager to fill out the contract and I stated I wanted proof of all copies of the paperwork. In my mind I knew that it was time to file a serious consumer complaint.
The finance manager looked at me weird and told me to have a seat, I refused and stated Ive been sitting down waiting patiently no thanks. He said ok. Its up to me. I started stating facts again and the law. He became angry, started cursing and saying do what you do, you will not succeed. I stated I wasnt here to argue and that what hes doing is unacceptable, unethical, unprofessional and a code violation of the law.
It was getting closed to XXXX XXXX showed up and told me to have a seat I said no thanks, he said please, your making the boss across the other office nervous. I wanted this to be over and I knew XXXX was with me so I took a seat and filled out the contact with my signature of reserving my rights UCC 1-308. In my mind and me seeing out of my own eyes, its like is was 2 separate transactions. Because the finance manager had me filled out contract paperwork on his XXXX and also on regular contract paper. I also knew that this contract will be void due to fraud. In other words, this auto loan finance contract is fraudulent in the Truth in Lending Act.
After that, he told me to have a good weekend, I ignored him and me and a friend left the dealership.
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| 01/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX Thank you for using the Better Business Bureau 's Online Complaint System.
Your complaint has been assigned case # XXXX.
Correspondence regarding this complaint will be emailed to : XXXXXXXXXXXX Please print a copy of this for your records.
Toyota, they have illegally possessed my car ... They made an agreement with me for XXXX for fee waiver, then I tried to pay online. Many times, I tried and was able one to make a payment for online and they I suppose they reject it and log me out my account. I called and just today was told they on purpose blocked me out of my online account. This way I was not able to make payment and stay on top of my fees and next think I know this guy tries to take my car. I talked with him and have a neighbor witness when he said the order to take my car went out the same day.. Wow the same day and already, without any notice at all. I did not get any mail.. In XXXX my mail box was closed and mail returned. I called and use confused with the high fee and they said it was due to my missed payment and I thought I made the payment and could n't confirm since they locked me out. The lady said as long as I make some payment it is ok and they will not take my car so I did and as you see she lied. I have phone call record to prove this and they should also redeem those records to prove the agreement made and it was breeched. Also the guy who towed my car breeched and lied to me the agreement. I did not get any notice or certified mail that is illegal. I initially thought the high fee was based on a disagreement of my car repairs, they got payed by my insurance company but in their angry revenge they tried to charge me {$2000.00} for storage, Toyota called and told me so I thought is was why Toyota also added extra {$2000.00} to my account. So I filed a small Claim lawsuit on Toyota last week and the following week in revenge they illegally took my car. After scamming me and charging me over {$5000.00} in interest and paying for the car twice, Lease XXXX and made me purchase w/o option since XXXX {$550.00} a month paying nearly {$50000.00} for a XXXX worth {$2000.00}. Illegal XXXX Discrimination scams. I was refused a quote on my car from XXXX XXXX and have video recording proof ( treated nasty ).
Toyota, they have illegally possessed my car ... They made an agreement with me for XXXX for fee waiver, then I tried to pay online. Many times, I tried and was able one to make a payment for online and they I suppose they reject it and log me out my account. I called and just today was told they on purpose blocked me out of my online account. This way I was not able to make payment and stay on top of my fees and next think I know this guy tries to take my car. I talked with him and have a neighbor witness when he said the order to take my car went out the same day.. Wow the same day and already, without any notice at all. I did not get any mail.. In XXXX my mail box was closed and mail returned. I called and use confused with the high fee and they said it was due to my missed payment and I thought I made the payment and could n't confirm since they locked me out. The lady said as long as I make some payment it is ok and they will not take my car so I did and as you see she lied. I have phone call record to prove this and they should also redeem those records to prove the agreement made and it was breeched. Also the guy who towed my car breeched and lied to me the agreement. I did not get any notice or certified mail that is illegal. I initially thought the high fee was based on a disagreement of my car repairs, they got payed by my insurance company but in their angry revenge they tried to charge me {$2000.00} for storage, Toyota called and told me so I thought is was why Toyota also added extra {$2000.00} to my account. So I filed a small Claim lawsuit on Toyota last week and the following week in revenge they illegally took my car. After scamming me and charging me over {$5000.00} in interest and paying for the car twice, Lease XXXX and made me purchase w/o option since XXXX {$550.00} a month paying nearly {$50000.00} for a XXXX worth {$2000.00}. Illegal XXXX Discrimination scams. I was refused a quote on my car from XXXX XXXX and have video recording proof ( treated nasty ) Honor that I 've paid my car off since XXXX I 've been paying every month in addition to two down payments of {$3000.00} XXXX and XXXX, I was lied about the purchase, it was a lease and was told to pay a large fee and was n't given a right to turn in car but was made to purchase it. They also took my XXXX as a trade in and I 'm paying {$550.00} every month. They need to honor that they have scammed me and discrimination and tricked me and had their sales person harass me for years after purchase trying to push to sell me a newer car. I 've paid over {$5000.00} interest, the car was hit and they lied to agree the car was totaled and is now worth {$2000.00}. I have a quote and proof and proof they lie and did not report the car had damage frame, they also did not include miles when making estimate of the car value. When I went to XXXX XXXX XXXX staff/manager refused to give me a quote and this I have on video, he treated me nasty and threw his business card at me. I have a car that is dangerous to drive, frame all bend out of shape and do not drive correctly. they also lied about my payment agreement and for revenge took my car. Toyota is a very crooked company and I 'm done with being bullied and lied to and will take them to court again for breech of contract. I received no notice certified or by phone to prove my car would get taken and since I made a payment why should I worry that will happen? it happened in an act of revenge. I need my money back from the interest, extra fees, restore credit, agree my car is payed in full and I owe noting else with this company. They on purpose locked me out the account so I could n't pay so they can take my car. NOw they also tried to have the repair company take my car and added those fees to my car {$2000.00} that is why I wanted to go online to see and figure out why all the sudden there was this large fee added to my account. The car company was payed but got made for me making a complaint and sent for a lien sale for storage fee after car was in my possession so that was illegal and they demanded cash. XXXX paid {$4000.00} cash and Toyota refused acknowledge the car market value of about {$2000.00} because they are greedy and want to take money from XXXX people as they did with that class action lawsuit against XXXX and XXXX people they charge 5 times interest to just to keep them in struggling and they ruin their credit on purpose. Talking about credit, Toyota breeched contract releasing my personal information and I have proof, allowing companies to access my data and personal information and they also without my permission had their sales guy run my credit like 10 times on purpose to many banks and by then my credit score dropped so then he says only these banks will accept you with high monthly loan payment {$700.00} but Toyota will only charge {$550.00} and this is the way they scammed me on purpose. Ran my credit on purpose, ruined my score and so companies refused to give me a good deal in result, while they come up with a smaller fee so they will get me to pay to them and not another company or bank. Car is payed off and give me title to my car.
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| 11/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Dear Consumer Financial Protection Bureau ( CFPB ), Re : Toyota Motor Credit Corporation I am writing to you to make a complaint against Toyota Motor Credit Corporation ; My complaint pertains to their handling of my vehicle ( XXXX ) financing ( Acct numbers ending in 6157 & 5989 ) which as per the security exchange act has raised concerns of potential violations with security frauds and tax evasion.
My promissory note and certificate of indebtedness was securitized by this company, they also received a CUSIP number and engaged in trading activities on the secondary market. Toyota Motor Credit Corporation has also failed to provide my lawful 80 % of the proceeds from the securitization of my note on the secondary market. I previously sent Toyota Financial ( XXXX ) XXXX XXXX a rescission notice that referenced ANY and All Security agreements with Toyota Motor Credit Corporation. The notice was delivered on XXXX XXXX XXXX XXXX XXXX via Certified mail # XXXX XXXX XXXX XXXX XXXX.
Toyota Motor Credit Corporation continually fails to set-off the debt of the said note above, subsequently to the above I sent a registered security to both : Toyota Motor Credit Corporation - Delivered to XXXX XXXX XXXX XXXX and XXXX on XXXX XXXX XXXX XXXX via XXXX Toyota Motor Credit Corporation ( indenture trustee ) XXXX XXXX XXXX -Delivered to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX Toyota Motor Credit Corporation continues to request that I pay back the interest they borrowed for the US Treasury and have even hurt my ability to obtain credit by placing a charge off on my credit report ( charge offs are considered income so how can income be reported on my credit? ) I am writing to bring your attention to the compelling evidence brought to my attention via a Forensic Loan Securitization Analysis Report that substantiates the presence of Securities Fraud related to my auto loans. The evidence at hand not only highlights the existence of irregularities by the Employment of Manipulative and Deceptive Practices but also underscores the need for a thorough investigation and resolution of this matter.
CUSIP Number : A crucial piece of evidence is the presence of a CUSIP ( Committee on Uniform Securities Identification Procedures ) number associated with my auto loans. CUSIP numbers are unique identifiers used in the securities industry to track financial instruments, including securities. The fact that my auto loan ( XXXX ) has an associated CUSIP number strongly suggests that it has been securitized, implying that it may have been bundled with other auto loans and sold as a financial product to investors. This is a key indicator of securities fraud when such securitization is not properly disclosed.
My auto loan ( XXXX ) were not handled in accordance with the law, leading to a breach of my rights as a borrower and potential harm to investors. Despite the clear indications that the note ( XXXX ) are being sold or transferred, given the nature of the situation I have reason to believe that these transactions are not being reported to the U.S. Securities and Exchange Commission ( SEC ). The failure to report these transactions raises questions about compliance with the regulatory framework established to govern the securities industry. When financial instruments, including auto loan notes, are transferred, it is essential that such transactions be accurately and promptly reported to the SEC. This reporting is a fundamental requirement. Given the circumstances, it raises suspicions that any non-disclosure or failure to report may not merely be a matter of oversight, but rather a calculated maneuver to evade regulatory scrutiny.
Toyota Motor Credit Corporation unauthorized sale of securities alone, conducted without the clear and informed consent of the rightful owner, unequivocally amounts to a severe violation of securities laws and regulations. It represents a blatant disregard for investor protection, and it flagrantly undermines the very core of securities markets. The perpetration of such a violation leaves no room for ambiguitythis is an undeniable breach of securities law and a clear case of securities fraud. Upholding the principles of securities law, safeguarding ownership rights, and ensuring investor interests are paramount in addressing this egregious misconduct.
I have reason to believe that Toyota Motor Credit Corporation is channeling my funds to service the interest on securities associated with my auto loan note ( XXXX ), securities actively traded on the secondary market. This raises profound ethical and legal concerns, particularly when the auto loan debt is, in fact, fully discharged. This situation underscores the pressing need for transparency, legal remedies, and accountability. The borrower, unwittingly ensnared in this labyrinthine web, deserves nothing less than complete disclosure and resolution of this intricate and deeply concerning financial matter.
Toyota Motor Credit Corporation seeks total return by investing in investment grade auto loan-backed securities or unrated auto loan-backed securities ( XXXX ) which the adviser determines to be of comparable quality.
The issuance of auto loan-backed securities without the borrower's/investors knowledge or the creation of a CUSIP number without proper disclosure constitutes fraud. Here 's how it works : Securities Laws : Securities laws i.e Securities Act of 1933, and Securities and Exchange Commission ( SEC ) Regulations require issuers to provide accurate and complete information to investors. If auto loan-backed securities issuers, including banks and financial institutions, do not disclose the securitization process and the assignment of CUSIP numbers to borrowers, it is a violation of these laws.
Lack of Disclosure : In securities markets, transparency and full disclosure are paramount. When car owners take out auto loans, they generally enter into agreements with their lenders. If their auto loans or notes are later bundled into auto loan-backed securities and traded as securities, the car owner should be made aware of this process and the potential risks involved. Failure to provide this information is considered fraudulent concealment.
Misrepresentation : If the creation of ( ABS ) and the assignment of CUSIP numbers are not properly disclosed to borrowers, it is misrepresentation and omission of material information. Borrowers have the right to know how their auto loan contracts may be affected by securitization.
Risks for Investors : The lack of disclosure and transparency in the securitization process can create risks for investors, including mutual funds, who invest in ( ABS ). If the underlying securities are subject to legal challenges due to non-disclosure or misrepresentation, it can lead to financial losses and damage to the reputation of the investors.
In summary, if borrowers/investors are not aware of the securitization of their auto loans and the assignment of CUSIP numbers to the related securities, it constitutes fraud due to non-disclosure and misrepresentation. Borrowers ( which are actually the investors ) have a right to know how their auto loan agreements are being packaged as securities and traded. Such non-disclosure can lead to legal consequences for the parties involved and pose risks for investors in these securities, such as the borrowers themselves or mutual funds.
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| 07/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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There are several issues with my auto loan, and how it is being poorly mishandled I will try to cover it all here. My girlfriend and I purchased a vehicle on XX/XX/XXXX through a dealership and used a loan from Toyota Financial. Then, on XX/XX/XXXX, our vehicle was stolen. We had our Auto insurance policy revoked a few weeks prior to the theft, due to a clerical error by the DMV in the reporting of my DL history. But we had purchased GAP insurance when we bought the car, and we filed a GAP claim. It was approved. Our car was recovered the day after it was stolen, but there was considerable damage to the vehicle. The overall estimate for repairs was {$15000.00}. GAP determined that the repairs were more than the car was worth ( value at time of loss was {$15000.00} ) and they determined it was a " Total Loss ''. On the phone, they told us that they would cover the value of the car with the loan, as outlined in our GAP Agreement and recover the vehicle, but that we would be responsible for the remaining balance owed. We thought that was fair. It took two more months for GAP to make their payment, and when they did on XX/XX/XXXX, it was for {$7500.00}. We filed a release of liability with the DMV as instructed by the GAP department to do once they made payment, but because this was much less than the value of the vehicle, we attempted several times to get Toyota Financial to pay the remaining {$8100.00}. At the same time, we continued to make our payments of {$420.00} each month, and actually, we were paying {$450.00} every four weeks to pay the loan off sooner. But, in XX/XX/XXXX, Toyota Financial started reporting that our account was past due over 30 days to the three credit agencies. We attempted to correct the issue with Toyota, but they said our " account reporting was correct ''. So we contacted the three agencies with supporting documents, and they corrected the issue. Then, in XX/XX/XXXX ( XX/XX/XXXX we believe ) while we were attempting, over the phone, to get our remaining GAP payment, we were informed that they were going to file a repossession on our credit because we " abandoned '' the vehicle at the XXXX XXXX. We argued how this was not legal as we had not received any notice in the mail, that was not what we were told by the GAP department, and outlined in our GAP agreement, they did not seem to care. They said that if we recovered the vehicle and paid all storage fees owed to the XXXX XXXX, they would not state it was a repossession. We contacted the XXXX XXXX ( XXXX XXXX XXXX ) to get more information. They informed us that the storage fees were {$900.00} at that point, but even if we paid the fees, per the DMV, we did not have any legal right to the vehicle, so they would not release it to us. They also told us that they had been trying to get Toyota Financial to recover the vehicle for almost two months and did not get an response back from them until they sent Toyota Financial a notice informing them that they intended to sell the vehicle at auction on XX/XX/XXXX if they did not pay the storage fees and pick up the vehicle. We informed Toyota Financial what the XXXX XXXX informed us, and also faxed them supporting documentation that informed them they could not claim this as a repossession. We got no response. In XX/XX/XXXX, as now both of our Credit reports showed that we had a repossession on our record, we attempted to resolve things with Toyota Financial to no success. We then filed a complaint with the Department of Business Oversight. Toyota Financial sent us a response letter stating how they justified that it was a repossession and that they would remove the repossession and " re instate our loan '' ( they had closed our account sometime after XX/XX/XXXX even though we are still continuing to make payments ) if we paid them an additional {$1700.00} to cover the cost of Repossession. Although the DBO could not help with the particular situation as it was outside of their jurisdiction, they gave us advice on what we could do to resolve the issue. We followed their advice, and Toyota Financial credited our account $ XXXX.which we assumed was for our remaining GAP claim and some miscellaneous interest we were charged. They also removed the Repossession from my credit report, but not by girlfriend 's. But instead, on my credit report, they stated I was over 30 days late again. So I disputed this with the Credit agencies, and they corrected the issue. In XX/XX/XXXX, we get a call from a Debt Collection Agency, XXXX, stating that they are now in possession of our loan with Toyota Financial and owe them the remaining balance on the loan. {$7500.00}. We told them we had heard no such thing from Toyota Financial, and we did not owe anywhere near that much. They tried to convince us that we did owe that much, and that they wanted payment in full, over the phone. We declined, and called Toyota Financial the same day. Toyota informed us that they were still in possession of our loan, but also tried to tell us we owed the same amount. We asked for a copy of our current payment statement. They emailed it to us and showed us a current amount owed {$5700.00}. A few weeks later, we get a letter in the mail from Toyota Financial, dated XX/XX/XXXX that states we owe a total of {$7500.00} because they are still trying to collect on fees they paid in getting the vehicle from the XXXX XXXX, and the fees are labeled " Cost of Repossession '' Also, it showed that the {$8300.00} that was paid to us was because the vehicle was sold at auction for that amount. Not for the remaining GAP payment. But, the vehicle was given a Salvage Title on XX/XX/XXXX per the California DMV due to the " total loss ' status. So we thought that was odd. In the beginning of XX/XX/XXXX, we get notified of an update on our Credit reports. We look, and Toyota Financial account has been removed from my girlfriend 's credit report completely, but on my report, it states " Charge off/Bad Debt. '' We then contacted Toyota again, and got another up to date payment history, and it shows that we have been making our payments on time still, but there are a lot of charges and credits for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, on the XX/XX/XXXX statement that were not on the XX/XX/XXXX Statement. And the amounts are consistent with the fees that they kept trying to collect under the pretense of a Repossession. We have again sent paperwork to the three credit agencies to correct the erroneous reporting, and are confident that this will be corrected, again. But we feel that Toyota Financial is maliciously and intentionally reporting incorrect information on our account status to the three credit companies to prevent us from re financing our loan and purchase a new vehicle through financing because we will not pay the additional fees they say we owe.
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| 05/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My account with Toyota Financial Services was paid in full in XX/XX/XXXX, without any late payments or charges. To date, I have not received the Title documents to my XXXX XXXX XXXX XXXX XXXX. Toyota Financial Services is illegally withholding the title to my vehicle.
On Saturday, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Toyota Financial Services advising the following : Although all of the monthly installment payments have been made, please be advised that our records indicate you still owe the sum of {$210.00} due to possible late payments, accrued finance charges, or other fees and charges due on your account. ( Emphasis added. ) This was the first time I was ever notified by Toyota Financial Services of any of further charges they claimed were owed. As indicated in the letter, Toyota Financial Services did not provide a breakdown of the alleged payment due, only that it is possible. This is an outrage.
On Monday, XX/XX/XXXX, I contacted Toyota Financial Services by telephone to dispute the {$210.00} charge. I was on hold for over one hour before speaking with XXXX who, after hearing my complaint, put me on hold to transfer me to someone else to handle my account. XXXX disconnected me. I called back and was placed on hold for another several minutes before connecting with XXXX. I repeated my complaint to XXXX. XXXX placed me on hold and transferred me to a Resolution Specialist, XXXX. The explanation I received from all three of these representatives was different. Not one of them could explain the {$210.00} charges.
When pressed, XXXX advised me that it was a late fee from the XX/XX/XXXX payment, but acknowledged that all payments were automatic electronic payments and, therefore paid on time. XXXX confirmed all payments had been made within the thirty-day timeframe they were due over the course of the six-year contract. XXXX stated that if there had been a late fee charge, because all payments were automatic electronic payments, I would not have been notified of any late charges.
XXXX further advised that he didnt understand the {$210.00} amount. He stated that he only had authorization to waive {$100.00} which he would do. XXXX also stated that he would put in a request to waive all of the fees and call me back with the answer within 2-3 days. The entirety of this XX/XX/XXXX waiting period and conversation was 1 hour, 12 minutes. I believe all conversations were recorded.
On Thursday, XX/XX/XXXX, I received notification that Toyota Financial Services had notified all credit reporting agencies that my account was delinquent. As of this date, XXXX had not called me back with an answer on the total waiver by Toyota Financial of all illegal charges they were accruing on my account. The reported late charge was {$10.00}.
That same day, I again called Toyota Financial Services and spoke with XXXX. She advised the account had a late fee of {$110.00}, not {$210.00}. She couldnt explain the charge and discrepancy in the amount set forth in the XX/XX/XXXX letter. I insisted that I speak to a supervisor. XXXX placed me on hold and after 10 minutes, another agent, XXXX, got on the line. XXXX could not explain my account and the differing charges.
XXXX placed me on hold and after waiting 30 minutes, I spoke with XXXX, the lead agent. Yet, again, XXXX, had no explanation for the charges on my account. I asked to speak with XXXX. XXXX wrote down my phone number and told me she would contact XXXX and have him call me as she should have done previously. At XXXX XXXX. EST, I received a call from XXXX. Toyota Financial Services closes at XXXX XXXX. EST.
XXXX advised that he had waived {$100.00} of the illegal charges but needed to speak with his supervisor to obtain authorization to waive all of the illegal charges. XXXX placed me on hold for hour before telling me he was still waiting to hear from his supervisor. By this time, it was XXXX XXXX. EST. I asked XXXX to confirm a call back telephone number in case he and I were disconnected, yet again. XXXX confirmed the call back telephone number of ( XXXX ) XXXX.
Sure enough, I was disconnected by XXXX. When I called the number back he had given me, I was unable to get through to a live person without an extension number. XXXX had not given me his extension number. The recording stated that without an extension number, I would not be able to speak with anyone. I believe XXXX intentionally provided me with incomplete contact information.
On Friday, XX/XX/XXXX, I again called Toyota Financial Services, placed on hold, and then hung up on.
I called back and spoke with XXXX. Finally, someone who had answers. XXXX explained the fee was an accrued late charge from the very first XX/XX/XXXX payment. I told him that was not possible since the account was set up for automatic payments. I also told him that I had never received notice in six years of any late charges. The monies Toyota Financial Services were attempting to collect were illegally accruing over a six-year period without notification to the consumer, me!
Like the previous six representatives before him who I had spoken with, XXXX could not understand where the {$210.00} amount came from that was identified in the XX/XX/XXXX letter.
XXXX acknowledged I would not have been notified of any late charges because of the automatic payments. He confirmed that {$100.00} had been waived by XXXX and stated there was an additional {$16.00} late charge that had just been added to the account since my first contact on XX/XX/XXXX. Rather than continue the fight that was costing me hundreds of dollars in lost income disputing this account, XXXX agreed to waive the {$16.00} late charge if I would pay {$10.00}. I immediately paid the dispute {$10.00} that day to Toyota Financial Services.
XXXX also stated he would put in a request that Toyota Financial Services withdraw any adverse complaint to all credit reporting agencies.
On Saturday, XX/XX/XXXX, I received further notifications that Toyota Financial Services had reported delinquent payments to all credit reporting agencies.
On Friday, XX/XX/XXXX, I received a XX/XX/XXXX letter from Toyota Financial Services that stated it would not withdraw its adverse credit reporting to all credit reporting agencies.
As you can see from my timeline, Toyota Financial Services made illegal, accrued late charges that it never notified me about over the course of our six-year installment contract. They improperly reported delinquent payments to all credit reporting agencies and have refused to reverse their actions.
|
| 02/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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XXXX XXXX 2022 Credit Score You - XXXX XXXX You are now connected to XXXX Chat.
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XXXX Chat - XXXXXXXX XXXX Conversation closed by you - XXXXXXXX XXXX XXXX XXXX 2022 why cant i see You - XXXXXXXX XXXX You are now connected to XXXX Chat.
Info - XXXX XXXX One moment while I transfer you to a live agent.
XXXX Chat - XXXXXXXX XXXX Please hold, You are being transferred to another agent You are now connected to XXXX.
Info - XXXX XXXX Hello, how may I assist you?
XXXX - XXXX XXXX i cant see my information it said to contact you guys You - XXXX XXXX Hi XXXX, I'm so sorry this issue is happening.
What error message are you getting?
XXXX XXXX XXXX XXXX well i wanted to dispute couple of thing since my name its wrong and the address and its keep saying it cant be deleted You - XXXXXXXX XXXX Okay Let me just go ahead and access your file so I can verify that.
I am going to send you a form that you need to fill out with your personal information so I can access your file.
XXXX has sent you a Secure Form : PII Form Thanks May I have the last four digits of your SSN, please?
XXXX XXXX XXXXXXXX XXXX XXXX You - XXXXXXXX XXXX Thanks XXXX - XXXX XXXX so this is my concern why i still i have a collection that is at XXXX and its not taken off You - XXXX XXXX I can see the issue now, what happens is your file needs to be accessed by an specific department which is our Special Handling department.
I need to escalate your case so that they can fix this, it might take up to three business days for them to contact you back.
Is it okay for you?
XXXX - XXXX XXXX can you tell me about the issue?
You - XXXX XXXX Nothing wrong, it's just that your file needs maintenance.
So is it okay for you?
XXXX XXXX XXXX XXXX ok You - XXXX XXXX Okay, your case has been escalated keep in mind they will contact you back within three business days to let you know that the issue has been fixed.
Anything else you may need from me?
XXXX XXXX XXXX XXXX ok thank you You - XXXXXXXX XXXX Thank you for visiting. Please contact us at any time.
XXXX - XXXX XXXX Conversation closed by the agent - XXXXXXXX XXXX XX/XX/XXXX Freeze You- XXXXXXXX XXXX You are now connected to XXXX Chat.
Info- XXXXXXXX XXXX One moment while I transfer you to a live agent.
XXXX Chat - XXXX XXXX Sorry it's taking longer than expected to reply. Your agent will respond shortly.
Info - XXXXXXXX XXXX Conversation closed by you - XXXXXXXX XXXX Today General Questions You - XXXX XXXX You are now connected to XXXX Chat.
Info- XXXXXXXX XXXX One moment while I transfer you to a live agent.
XXXX Chat - XXXX XXXX Sorry it's taking longer than expected to reply. Your agent will respond shortly.
Info- XXXX XXXX You are now connected to XXXX.
Info - XXXX XXXX Thank you for contacting XXXX customer service, my name is XXXX, how may I assist you today?
XXXX - XXXX XXXX so i want to dispute some info ans submit document i dont understand how information its verify without me You - XXXX XXXX What are you trying todispute?
XXXX - XXXX XXXX the toyota financial i got a letter from them You - XXXX XXXX I will check if everything is okay in our side.
XXXX - XXXX XXXX date back from XXXX from last year my vehicule its paid off You - XXXXXXXX XXXX Does the website shows you some kind of error code or message?
XXXX XXXX XXXX XXXX We're unable to complete your request online.
Please try your request by phone or mail.
What to do now : If you're trying to request a credit report, please contact our Consumer Relations team at ( XXXX ) XXXX, Monday through Friday, XXXX XXXX XXXX XXXX ET.
If you're trying to dispute information on your credit report, contact our Consumer Relations team at ( XXXX ) XXXX, Monday through Friday, XXXXXXXX XXXX XXXX XXXX XXXX, or dispute by mail.
and when i call no one can give me an answer so basically there are so many error in my credit report that you guys are not willing to take a look or even take off You - XXXX XXXX I'm checking and there's no issues, please contact our online department assistance by calling XXXX. So far there's no issue with the information, XXXX.
XXXX - XXXX XXXX yes there is. how come there is some one collection agengy on my report reporting when i dont owe no balance to them it show XXXX You - XXXX XXXX I can help you to open a dispute but in this case if you have documents you better upload them over the website.
XXXX - XXXX XXXX the website does not let me do anything it said unable to complete request online You - XXXXXXXX XXXX That is correct, could you please contact our online department assistance?
XXXX - XXXX XXXX???
You - XXXX XXXX Because you are unable to upload the documents, will be better if you contact our online department assistance by calling XXXX.
I can help you to open a dispute but in this case without documentation.
XXXX - XXXX XXXX ok You - XXXXXXXX XXXX Thank you, XXXX.
XXXX - XXXX XXXX and there so many inquiries that i did not even authorized, even with my credit lock and freeze i dont understand why You - XXXXXXXX XXXX Please know that currently, the only option we have to receive inquiries dispute by mail because they are statements of fact. Therefore, we need proof that you did not authorize them. Are you okay if I provide you with the mailing requirements?
XXXX - XXXX XXXX facts of what?
i need to mail information to dispute XXXX - XXXX XXXX Sure, You can also share with us a complete copy of your documents together with a cover letter including : your complete name, address, last 4 digits of your SSN and a brief description of your request.
Both of these documents need to be sent to : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX We will receive your documents days after you send them and we will send you back a confirmation letter.
XXXX - XXXXXXXX XXXX i can even check my report its so funny with you guys You - XXXX XXXX I'm sorry but, That's the process we have, XXXX.
I haven't heard from you for a while. Are you still there?
XXXX - XXXX XXXX Conversation closed by you - XXXXXXXX XXXX Thank you for contacting XXXX.
Tell us how we can assist you today, or select an option below.
Do not include any account or personal information, SSN, dispute or credit report complaints.
|
| 05/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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Web |
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In XX/XX/XXXX, I contacted Toyota Motor Credit Corporation Settlement regarding Toyota Motor Credit Corporations dealer compensation policies resulting in XXXX, XXXX, and XXXX XXXX buyers paying higher interest rates than non-XXXX XXXX buyers, without regard to creditworthiness. Toyota Motor Credit Corporation, while neither admitting nor denying the claims, voluntarily agreed to pay up to {$21.00} XXXX to repay eligible buyers. I explained I completed all the required documentation and submitted it well before the XX/XX/XXXX deadline. I verified with the employee that I am in fact entitled to a portion of the settlement and was told a check was mailed to my home address on XX/XX/XXXX in the amount of {$320.00}. I explained the check was not received and was told they will put in a request for the check to be reissued and it will be at least 7-10 business days before I will receive the check in the mail. My address was verified and again I was told the check will be reissued. I waited 12 business days before calling back to check the status at which time I was told the account was simply documented but no action was taken. This time the rep advised they were going to have the check reissued asap and again to look for it within 10 business days. These conversations took place between XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX I received an email from Toyota Motor Credit Corporation Settlement advising the following : From : info_tmccsettlement Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX ' Subject : Toyota Motor Credit Fair Lending " Thank you for your phone call.We sincerely apologize for the delay in your check reissue, and have contacted the processing team to confirm that your reissue request is in progress, and we are working to send you a new check as soon as possible. We anticipate that your new check will be mailed within 10 business days.
Regards, XXXX XXXX.
Toyota Motor Credit Corporation Settlement Administrator '' Today, XX/XX/XXXX I sent a follow-up email to XXXX XXXX. at Toyota Motor Credit Corporation Settlement just to verify whether or not my check was processed and mailed : My Email : From : XXXX Received : XX/XX/XXXX XXXX XXXX To : XXXX Subject : Re : Toyota Motor Credit Fair Lending Good morning XXXX, I'm writing in follow-up to the email below. Can you please confirm whether or not my check has been mailed to my attention to-date?
I look forward to your response.
Cordially, XXXX XXXX XXXX Email response received from Toyota Motor Credit Corporation Settlement : XXXX Fri XX/XX/XXXX XXXX XXXX Dear XXXX XXXX XXXX, Thank you for your email.
Yes, we will begin the process to reissue your payment to the address we have on file. Please allow 10 business days for your new check to be mailed.
If your address needs to be updated, please contact XXXX XXXX to request your reissue and address update. Alternatively, you may send a letter, signed by you, requesting an address update and reissue. Please include both your former and current mailing address with your request, and send it to : Toyota Motor Credit Corporation Settlement Settlement Administrator XXXX XXXX XXXX XXXX, OR XXXX Name Change If your name has changed, please provide documentation showing this to be the case, which can include documents such as a marriage certificate or court papers indicative of a name change.
Deceased Class Member In order to reissue the check in your name, you must submit documentation establishing proof of authority. Please complete and return a Third Party Authorization Form, along with the required documentation indicated on the form. You should also include a letter requesting a reissued payment, and the original check you received, if possible. You can find the form on the settlement website www.TMCCSettlement.com, or one can be mailed to you on request.
Incapacitated Class Member If the claimant can not act on his or her own behalf, acceptable documentation is a Power of Attorney, or guardianship or custodial paperwork. You will also need to complete and return a Third Party Authorization Form. You can find the form on the settlement website, www.TMCCSettlement.com, or one can be mailed to you upon request.
Regards, XXXX XXXX.
Toyota Motor Credit Corporation Settlement Administrator After receiving the response from XXXX XXXX and feeling once again that I'm getting the run around, I responded to his email, see below : Good afternoon XXXX XXXX, Your email is very vague just like all other responses I have received from your department. I have been in contact via telephone and email with this department since XX/XX/XXXX and continuously receive the run around. As you can see in the email below, I was told back on XX/XX/XXXX that my check was going to be processed and mailed out. Now you are telling me I need to wait another 10-days for the check to even begin being processed. This is unacceptable and appears to be unfair labor practices. I have been given the same lame excuse for the past 30+ days and as requested on several occasion provided no proof of re-issue or even the initial issuance of my check. I followed all required guidelines and submitted my settlement paperwork well before the deadline date and to no avail have tried to get information regarding the processing of the settlement amount and check I am entitled to. Instead, you and your fellow co-workers, the employees of this department have continuously given me the run around. I have asked for the contact information to file a written complaint regarding this matter and have been told several lies as well as not being provided with accurate information. At this point I have no choice but to contact CFBP and DOJ as well as the Principal Deputy Assistant Attorney General XXXX XXXX, Head of the Civil Rights Division to try and get some resolve to this issue. Unfortunately, your department is not professional enough to be honest and provide the customer service the buyers are entitled to.
~XXXX XXXX XXXX I thought It was time for me to do my own research to see who I can file a written complaint to. I read CFBP was involved in the initial settlement proceedings and thought I'd start by filing a formal complaint with this department. I will also send a written complaint to DOJ as well as the Principal Deputy Assistant Attorney General XXXX XXXX, Head of the Civil Rights Division to try and get some resolve to this issue.
Any assistance you can provide will be greatly appreciated.
Thank you, XXXX XXXX XXXX
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| 06/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My partner and I went to the XXXX dealership in XXXX on XXXX XXXX for a test drive of the new XXXX XXXX on XX/XX/XXXX. We had a XXXX trade in that was upside down so we knew getting a brand new car was a longshot but we figured it wouldn't hurt to try since my partner has great credit. We test drove it and really liked how reliable and safe the car felt, something my XXXX XXXX lacked. After the test drive we sit down with the sales guy and he gives us papers to sign so they can run our credit. Shortly after his manager gets involved. He asked us how much we were willing to put down, we told him XXXX $ is all we had in our budget. He also asked us what we were comfortable paying monthly. Before the manager left to make a deal he let us know he would try his best to get us a deal shortly after came back and told us it would be under XXXX $ monthly for the car since it was a new vehicle and I was carrying over the debt from my trade in. He hastily mentioned Toyota was going to pick up some of the down payment and we would owe that as well. He gave us no details or elaborated on what that meant nor did he say the amount or any terms so we assumed whatever it was he mentioned would be added to the final amount financed and would be covered when we signed. As is the case in many car deals with added fees here and there we figured this is what he meant. We presumed that a big brand name would disclose everything with integrity so we went along blindly trusting XXXX XXXX dealership and its associates. Very excited that they took our trade in since it had roughly XXXX negative value we move forward to the finance guy. We signed the receipt that told us the amount for the down payment. The XXXX $ we put down and XXXX $ we assumed was for our trade in value totaling XXXX as down payment. Before we signed off he made sure to explain the Toyota care package and the APR on the car with the total final amount we would owe but nothing else within the contract was explained, we figured a respected name such as Toyota would surely disclose anything we absolutely needed to know so we signed without any hesitation. He almost seemed to rush through all the signatures assuming it was the easiest way to close the sale. We drive off the lot with our new car ecstatic, promptly cancelling our second appointment with a used car dealership down the street. Fast forward three weeks my partner monitors her credit and shockingly sees a new inquiry stating we have a Toyota credit card with a XXXX limit and it is maxed out. How could it be possible to have a credit card you never applied for? Before we started our dispute with the credit monitoring app we gave Toyota a call because we had just been there three weeks prior, I asked to speak to a manager I was directed to a voicemail instead of a person so I hung up. That same day we received a bill in the mail with more information. This credit card bill was the first time we saw the APR on a credit card someone had applied and opened without our consent at XXXX XXXX XXXX. The credit card bill claimed we now owed XXXX $ and it had to be paid off by XX/XX/XXXX to avoid the interest charge of 26.99 APR or end up paying XXXX $ if we only made the minimum payment of XXXX . This means on top of our XXXX monthly car note we now had to pay an additional XXXX $ to avoid the interest from a credit card we never agreed to open. Three hours of sitting in that XXXX XXXX not one associate mentioned opening a credit card as a down payment. The manager that remotely mentioned it said Toyota is going to help with the down payment never did he mention it would come in the form of a credit card much less did he mention the amount of time we had to pay that off or the APR. Who in their right mind would put XXXX $ down payment on a credit card with six months to pay it off? This is a form of fraud. When did car dealerships gain the right to open credit cards without the approval of the consumer? On Saturday XX/XX/XXXX I spoke to the manager who got us the " deal '' only to be told I needed to calm down and that he did not have the information in front of him so he couldn't even help because he didn't know what I was talking about. I was told I had to wait until XX/XX/XXXX until he had our information only to never get a call back from him. I called back Tuesday XX/XX/XXXX after not getting a call back and requested said manager to speak to me. We needed answers so I was directed to the finance guy. The finance guy told us he specifically was told we agreed to everything and all we needed was to sign the deal. I demanded to know who opened this credit card without our consent. In the middle of demanding answers he puts me on a three minute hold, when he gets back on the line his tone has changed he is no longer defensive and is very VERY apologetic. He assured me he would get answers and speak to his superiors, he informed me he was leaving early for the day and would not get back until the end of the week. He told me he would return my call Thursday XX/XX/XXXX and to not call the dealership because he would handle it. He did not follow through, I waited until mid-day Friday XX/XX/XXXX to reach back out to him I was directed to a voicemail yet again. In said voicemail I stated my name, my phone number, and the reason for calling ; however, I had been waiting a week for answers and a resolution to this huge problem so I stated not to bother calling back after Friday XX/XX/XXXX and they didn't. That showed me they were under the impression they had done nothing wrong and we were being blown off I just needed to know why this had been done. Maybe because they're such a big name they felt protected but no matter how big the corporation it remains an immoral act to open credit cards without the knowledge and consent of the consumer. It is and always will be a form of fraud. Now we are stuck paying XXXX $ + for unethical behavior. We would have NEVER gotten the car if we had known it was a credit card helping us purchase the car, the APR on the credit card, and the amount of time we had to pay it off without interest. None of it was disclosed to us and we are now deeply burdened by this debt. We are stressed and scared for the impact this will have on our credit scores. Now we're stuck and have such a bad perception of the Toyota brand we wish we could give the car back but we're stuck for 6 plus years with a vehicle we would have never accepted if they had communicated this credit card.
|
| 01/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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My car was totaled on XX/XX/2022 my insurance company, XXXX told me on XX/XX/XXXX they would text me with a link to follow and that my {$15000.00} settlement check would be in my bank account that day. Toyota Financial Services intervened and took the entire settlement amount after having reassured me on multiple occasions they would only take the {$24000.00} they were due for the payoff amount of the lease and that they would not interfere with my settlement from my insurance company. The total settlement was {$39000.00} they get XXXX I get XXXX but instead they took every XXXX and told me on XX/XX/XXXX that I would have my check for {$15000.00} in XXXX business days. Every person I spoke to at XXXX has lied, they have threatened me, put me on speaker and their whole office laughed at my plight. They told me that no supervisors were ever available for more than a month, they told me that my check needed manager approval because it was a large amount, they told me they didnt receive a check from XXXX XXXX XX/XX/XXXX but sent me a letter date XX/XX/XXXX thanking me for purchasing my leased vehicle through XXXX and that they sent the title to a 3rd party. Yet they continue to lie about when they were paid by XXXX. They sent another letter on XX/XX/XXXX saying they received {$39000.00} and that my net payoff ( which they were paid on or before XX/XX/XXXX ) is {$24000.00} and that they were mailing me a refund check of {$15000.00}. I called and asked when I could finally expect the check and was told again that a manager still had to authorize my check and that it would take several business days, I asked to speak with a manager and was told they dont actually exist and its a nebulous department. I asked for supervisors and was told no, I called again and was told that my check was authorized and mailed on XX/XX/XXXX, after two weeks of phone calls someone there told me that no check number exists and that a photo would have been taken and would be on record and no such photo exists meaning they lied about managers, mailing a check etc then they started adding layers of security when I would call, now suddenly needing an account number before they could talk to me even though until then calling from my phone was enough for them to know exactly who I was and what department I had to be transferred to. Finally I was told that a resolutions department exists and I was placed on hold to speak to them, while holding someone from resolutions jumped on the phone and in a very aggressive, threatening manner said that they were recording and listening to every word I say and that I should be careful how I speak to them, I said fine Im recording too then and she got even more aggressive and threatened to hang up and then did hang up. I called the next day and the person I was speaking to put me on speaker and I listened while the rest of her office laughed and ridiculed me, when I called her out for it she took several seconds to make it back to her phone, realize she didnt hit the mute button and tell me that she was listening, while still laughing. Then two days in a row I was assured by resolutions supervisors that my check was going to be overnighted to me but it would again take several business days for a non existent manager to approve the check. The second day I was told that it had been approved and that she was going to help me get my check sooner than I was told, I was told it would arrive no later than Monday XX/XX/XXXX at XXXX XXXX XXXX and that she would make sure I got it even sooner than that. The next day I was transferred to another supervisor, said his name is XXXX and that everything the resolutions people told me was also a lie, XXXX will not under any circumstances overnight my check and that it will take weeks. I have begged and pleaded with them since the start. I suffered a XXXX in the crash and have been suffering XXXX XXXX XXXX symptoms ever since, it was a front end collision and no air bags deployed. It took me several weeks to recover enough to get out of bed, at this point I have no car, no income and no ability to work without a car. I have had no income since the accident, my credit score was over XXXX and I never missed a payment on anything, Im now in the process of being evicted, my credit has fallen over XXXX points, my credit cards are now mostly maxed out and I dont even have the cash to pay the minimum balance on a single card so I can feed my family. Furthermore when and if I finally get this check I will not be able to buy a car, I will go to TFS and ask for credit and they will say no because I havent paid my bills for XXXX XXXX or XXXX at XXXX, they agree with this assertion. They and Toyota Motor Company have destroyed my life, physically, emotionally etc I was told by medical professionals to avoid stress at all costs due to my neurological injuries and instead I have been pushed beyond any persons breaking point, threatened and ridiculed along the way while also being lied to by every single person I spoke to. At this point I wont be getting my check by Monday obviously, nor will I get it in XXXX according to the last person I spoke to, who actually told me that he was going to make me his number one priority, I said great how can I get in touch with you, he said I cant and that all he can tell me is his name is XXXX and hes a supervisor in XXXX Arizona and if I just call the National XXXX number that he will occasionally check to see if I ever called and if I did I can rest assured that he will eventually get in touch with me. These people are criminals, they operate like a cult, they even threatened to coach the employee who made the mistake of telling me the truth about the XX/XX/XXXX check that they never issued yet continue to lie and say they did. I was originally told I would have my check by XX/XX/XXXX, then just after the holidays, then that it was in the mail, then that it would be reissued and overnighted only to be told that every single statement flies in the face of corporate policy, yet they insist they mailed a check. If I stole {$15000.00} from them I would be in a prison cell, if I owed them {$15000.00} they would strong arm me in every way possible and include the option to wire them their money immediately, yet they are the criminals and thugs and nobody can or will do anything to stand up to these financial terrorists. And yes I want this published, I will not rest until they are held accountable
|
| 05/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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NEW COMPLAINT-NOT DUPLICATE I have had a loan with Toyota Financial Services since XX/XX/XXXX and have never missed or made any payments over 30 days late.
I work as a XXXX XXXX for XXXX XXXX and on XX/XX/XXXX, I had a working trip from XXXX XXXX, CA to XXXX, XXXX. On XX/XX/XXXX ( US ), when I arrived in XXXX, I tried to log on to my Toyota Financial Services online account to make a payment in the amount of {$660.00} that was due on XX/XX/XXXX ( 26 days after the due date ). The Toyota Financial Services system gave me a notification advising me that a validation code was being sent to my email, and although I was entering the correct username and password in addition to the code from the Toyota Financial Services system, I kept receiving an error stating We are currently experiencing technical difficulties and can not process your request. Please try again later.
Since my payment was time-sensitive and I needed to make that payment before XX/XX/XXXX to avoid being 30 days late, I contacted Toyota Financial Services XXXX-number and was transferred to a representative named XXXX in the Billing Department. I explained to XXXX that I was trying to log on to my Toyota Financial Services online account to make my payment but was having difficulties logging on and was receiving an error message ; I also explained to XXXX that I am a XXXX XXXX for XXXX XXXX and was overseas. XXXX explained to me that since I was trying to log on to Toyota Financial Services from an international location, the system was not allowing me to log on in order to prevent fraud. XXXX then offered to take my payment over the phone, and although I always prefer to make my payments online to have a printed or screenshot confirmation of my transactions, I accepted her offer to make my payment with her since I didnt have any other options.
There are four checking accounts listed on my profile and XXXX processed my payment from one of those accounts, but not the one that I intended to make my payment from. Since I was not able to view XXXX entry for my payment prior to processing, I trusted that she processed my payment correctly and to be debited from the correct bank account. Finally, XXXX also advised me that my payment would only be processed by XX/XX/XXXX, since it was processed after the payment cutoff time, but she assured me that my payment would be on time and posted prior to XX/XX/XXXX.
On XX/XX/XXXX, I made a transfer to my XXXX XXXX XXXX account ending in XXXX in the amount of {$660.00} for that payment. On XX/XX/XXXX, I left to work again from XXXX XXXX, CA to XXXX, XXXX and noticed that the funds for my Toyota Financial Services payment were still on my XXXX XXXX XXXX account. On XX/XX/XXXX ( US ), when I arrived in XXXX, I contacted Toyota Financial Services for a second time and asked to speak with a supervisor but was instead transferred to XXXX from the Customer Escalations Team ; when I asked if she was a supervisor, she assured me that she had the same authority as a supervisor to resolve customer issues.
I explained to XXXX that on XX/XX/XXXX, while in XXXX, I tried to log on to my Toyota Financial Services account to make my payment that was due on XX/XX/XXXX and was unable to log on, so I contacted Toyota Financial Services XXXX-number and had my payment processed over the phone with XXXX, but that XXXX set my payment to be debited from my XXXX account ending in XXXX, instead of my XXXX XXXX XXXX account ending in XXXX. XXXX seemed to be very understanding of the situation and told me that she would be processing my payment again and would post it with the correct date from my initial contact with Toyota Financial Services ( XX/XX/XXXX ). I confirmed the routing and account numbers with XXXX, and prior to ending our conversation, I asked her again if that payment would be backdated, and she assured me that it would be backdated to XX/XX/XXXX.
On XX/XX/XXXX, I noticed that the payment processed by XXXX had a posting date of XX/XX/XXXX instead of the promised date of XX/XX/XXXX and I contacted Toyota Financial Services again. I was transferred to XXXX XXXX, who introduced himself as a manager, and just as XXXX, he promised a correction on the payment date to XX/XX/XXXX and advised me that he would contact me after that issue was resolved.
On XX/XX/XXXX, XXXX XXXX left me a voicemail asking for me to contact Toyota Financial Services XXXX-number and to ask the representative receiving my call to read the notes added by him to my account. When I contacted Toyota Financial Services, I was advised by the representative that XXXX XXXX did not honor his promised of date correction and noted my account stating that no changes would be made to the date of my payment and that it would remain as posted on XX/XX/XXXX.
On the same day, XX/XX/XXXX, I sent a registered letter to Toyota Financial Services Credit Research Dispute explaining the situation of my difficulties trying to log in to my account on XX/XX/XXXX, the incorrect payment processed by XXXX and the promises for correction and adjustment from XXXX and from XXXX XXXX, and requested a goodwill adjustment to my files with the three credit bureaus ; up-to-date, I have not heard from the Toyota Financial Services Credit Research Dispute Team with a resolution regarding this situation. I also filed a complaint with the XXXX XXXX XXXX ( XXXX ) and with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. On XX/XX/XXXX, Toyota Financial Services responded to both the XXXX and CFPB, but to date have not attempted to reach me to resolve or fix the problem.
On XX/XX/XXXX, I sent an email with a full explanation of my situation and attached documentation to XXXX XXXX XXXX ( CEO for Toyota Motor North America ), but never received a response from him or his team.
I made several attempts to get this issue resolved but Toyota Financial Services refuses to correct this situation and has been treating me without respect by failing to assume responsibility for their website issues that prevented me from logging on to make my payment so that it would be correctly processed as of XX/XX/XXXX and caused payment to be processed incorrectly by XXXX on XX/XX/XXXX. I have also received false promises for date correction from XXXX ( Customer Escalations Team ) and XXXX XXXX ( Manager ).
|
| 11/16/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I have been on the phone this morning, XXXX/XXXX/XXXX, to XXXX XXXX and XXXX XXXX for 1 hour 13 minutes. Have spoken to a " XXXX '', then transferred to " XXXX '' XXXX XXXX where she put me on hold a few times, this most recent time for 15 minutes when I asked to speak to her manager or supervisor, and then she disconnected me.
XXXX told me that an outstanding balance is still showing due for the return of my second key on the XXXX XXXX XXXX XXXX that I traded in for an XXXX XXXX XXXX back in XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. I have gone over this with the circuitous XXXX XXXX departments ad nauseam last year and thought that it was FINALLY resolved. All of a sudden, these past few weeks I 've been getting phone calls and letters from XXXX XXXX stating the key was never returned and I still owe {$400.00}.
Here is my record of actions taken : XXXX/XXXX/XXXX traded in XXXX XXXX XXXX XXXX for an XXXX XXXX XXXX with salesperson XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. Gave him one key for which he gave me a receipt ( without a signature from his manager because he told me his manager was unavailable and it did n't matter anyway ). I said I 'd return the next day with the second key.
XXXX/XXXX/XXXX returned to XXXX XXXX XXXX XXXX XXXX and handed second key to XXXX XXXX for which he issued me a revised receipt, signed by the manager. He merely took his copy of the original receipt and changed the " 1 '' to a " 2 ''. I insisted on waiting for his manager to sign this one which he made me wait about half an hour to get done.
Within a week I started seeing outstanding charges in my online account and began making phone calls to XXXX XXXX to inquire.
XXXX/XXXX/XXXX " XXXX '' XXXX XXXX told me my online account had n't been updated yet and not to worry ... .my account would be updated to reflect proper credit once XXXX XXXX XXXX paperwork was logged in. She told me to allow 24 hours to check my online account again.
XXXX/XXXX/XXXX My online account still showing outstanding charges. I attempted to call XXXX XXXX again and was kept on hold for 11 minuted 9 seconds and had to hang up to attend to my business.
XXXX/XXXX/XXXX I called XXXX XXXX again and spoke to " XXXX '' who told me there was n't any paperwork from XXXX XXXX XXXX with the agreement to cover my first two payments, however, my account did show that " 2 keys were returned ''. I then asked for my issue to be escalated to find out why I was getting different information about my account. I was then transferred to " XXXX XXXX '' in the " Loyalty Department '' who told me there was " no dealership activity '' on my account and suggested I wait 72 hours to see if my online account had been updated with the correct credits. I asked to speak to someone else that could give me more definitive information. She suggested I call XXXX XXXX XXXX and speak to their sales manager.
XXXX/XXXX/XXXX I spoke to " XXXX '', Sales Manager at XXXX XXXX XXXX who told me he was aware of who I was and my " situation '' and he would speak with " XXXX '' to ask her to " resend '' my paperwork agreement to XXXX XXXX through their " dealership portal ''. He told me he 'd call me back within an hour to confirm it had been done. He never called me back.
XXXX/XXXX/XXXX Spoke to " XXXX '' then " XXXX '' then " XXXX '' trying to get to the bottom of the situation but could n't get any resolution. Everyone told me different information.
XXXX/XXXX/XXXX My online account was still showing outstanding monies due. I called XXXX and spoke to " XXXX '' who told me the online account would n't be updated that quickly and I needed to wait another 7-10 days.
XXXX/XXXX/XXXX The last person I spoke to on XXXX XXXX, XXXX was " XXXX '' ID # XXXX, phone number XXXX who assured me the issue of my first two months being paid for was resolved and those charges removed from my account ( which I confirmed online ) and the receipt for the second key was received and the key charge would be removed although it might take a few days to show up online. I checked my online account a week later and all outstanding charges were removed and it seemed as though the account was FINALLY in order. I had n't received any communication, any notification that any monies were due until about a month ago ( XXXX ) when I received my first letter from XXXX XXXX and then the phone calls started stated they needed to speak to me.
You can then jump to the beginning of my complaint to when I initiated my call to XXXX XXXX inquiring as to the " collection ''.
There were a series of serious issues I had with this dealership and needed to resolve. One issue was that the finance person, XXXX XXXX, added a " roadside service '' to my new lease which I never approved when he asked me a handful of times ( each time discounting the price ). I had n't realized he added the service anyway until I got home and reviewed the lease agreement more carefully. At the time of signing at the dealership he was verbally stating the charges and just turning his computer screen for me to digitally sign on the line without seeing what I was signing. I realize what a big mistake that was when I got home and is the reason I decided to sit down and read the contract more carefully and noticed the erroneous charge.
I was also promised, in my trade-in deal with XXXX XXXX, and verbally approved to me by his manager, that the payment for the first two months of my new lease would be waived. That promise was ignored and took numerous calls and ultimately required that my partner physically go to XXXX XXXX XXXX XXXX and speak very loudly in the showroom so that other customers could hear how unfairly we had been treated so that the manager would come to speak to him and follow through on issuing the proper paperwork to XXXX XXXX stating the agreed upon terms.
That issue, with great time and effort on my part, appears to be resolved although now, it seems, the return of the second key is still being questioned. The series of phone calls I listed above were regarding both the 2 month payment credits AND the return of the key credit.
Attached are the two key returned receipts from XXXX XXXX XXXX XXXX XXXX, which I provided over a year ago as well.
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| 10/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XX/XX/XXXX I purchased a XXXX Toyota XXXX XXXX from XXXX Toyota of XXXX. My mom accompanied me during this transaction. In order to make the purchase happen, I traded in my XXXX XXXX XXXX for {$6000.00}. While completing the disclosures and signing documents, I was asked if I would like Guaranteed Asset Protection ( GAP ) coverage. I originally said no due to me not having the cash to cover the expense and did not want to include the GAP in my financing since it would be making the whole transaction more expensive. At that moment, my mom then offered to pay the GAP coverage for {$680.00}. I agreed for her to pay for the coverage. I never once agreed for the coverage to be in my financing. In that moment, the financing manager at the time had me sign some documents and my mom pay for the GAP coverage. It has now been 2 year of me owning the car and I am now seeing that The GAP coverage was included in my financing. The Dealership XXXX Toyota of XXXX did charge my mom the {$680.00} and I have a watermarked receipt stating the amount paid. I spoke with the Lien Holder Toyota Motor Credit Corporation also known as Toyota Financial services about this issue. I explained that the Truth in Lending disclosures were not 100 % accurate and I would like to speak to a supervisor about the issue. The problem was that Toyota included the GAP coverage in my financing and took my mothers money and put it towards the cash down payment. Bringing the Total Cash Down payment to {$6700.00}. The Customer service agent I spoke to explained that it would take the supervisor 24-48 hours to call me back and I accepted that. It has been a few weeks and I still have not spoken to a supervisor. After a few calls to the customer service department, I was advised to speak with the dealership about the issue. I then called the finance department at XXXX Toyota of XXXX where I spoke to XXXX. He proceeded to break down the math of the Itemization of Amount Financed in the Truth in Lending portion of my contract. He took the Cash price of the car from Line 1 which is {$36000.00}. He had me the subtract the total down payment of {$6700.00} from Line 2. Which equaled {$30000.00}, the same number reflecting on Line 3 of the Itemization of Amount Financed. He then had me add the GAP coverage of {$680.00} from Line 4C to the Unpaid balance from line 3, {$30000.00}. Bringing the Total unpaid balance to {$30000.00}. Then he started to include the taxes and fees : {$58.00} for the Dealer inventory tax on line 4F, {$130.00} for the license fee from line 4I, {$33.00} for Government certificate of title fee on line 4J, {$28.00} for Government inspection fee on line 4K, and {$140.00} for a documentary fee on line 4M. Adding all the fees, taxes, and GAP coverage brings the total amount financed to {$31000.00}.
I am only explaining how he broke the math down to show that the amount financed does include the GAP coverage. If I paid for the GAP coverage in cash then the total amount financed would be {$680.00} less than {$31000.00}. This would have put me at {$30000.00} for the total amount financed. This amount would have made the Finance charge a different number also. Making the entire Truth in Lending disclosure inaccurate. I explained this to XXXX the Finance manager and his words were " I don't know what to tell you. '' He continued to explain how the {$680.00} down payment cancels out the {$680.00} that was apart of total amount financed.
Which still does not make sense, the amount financed compounds on an APR of 9.54 %, making the {$680.00} that is being financed more expensive. Something I was trying to avoid. This is why I originally said no to GAP coverage and why my mom ended up paying cash for it. XXXX did say he could refund the cash payment of {$680.00} for the GAP coverage but he did say he couldn't do anything about the Amount Financed including the GAP coverage.
I have sent a notice or rescission to XXXX Toyota of XXXX and Toyota Motor Credit Corporation on the basis of unfair and deceptive practices. I sent two Affidavit of Truth 's stating my truth. A full notice of rescission stating the laws they broke by not giving me notice of my right to rescind on a contract. Which on the basis of fraud I believe I have 3 years to do so. I have sent a letter revoking all of my signatures and voiding my contract with both parties stated above.
Today XX/XX/XXXX I received mail from Toyota Motor Credit Corporation stating that they will not acknowledge my notice to rescind because I have no right to do so. They mentioned that they are familiar with my " Law theory '' but it has no standing. I specifically mentioned that they didn't not abide by the Truth in Lending Act by not being clear and concise. The basis of my rescission was due to the unfair and deceptive practices that they partook in.
I started this rescission process on XX/XX/XXXX. That was the date I mailed out the first wave of notices. The First wave included a Cease and Desist Letter but I was told I sent the information to the wrong address and to send it to their legal department at XXXX XXXX XXXX XXXX, TX XXXX. I then sent a Cease and Desist letter and a second Affidavit of Truth on XX/XX/XXXX along with the rest of the documents in this complaint to the Legal department. Since then I have received two reply 's from Toyota Motor Credit Corporation. One on XX/XX/XXXX responding to the Cease and Desist Letter stating that they will comply but I did not receive it until XX/XX/XXXX. And the second being a response to my Notice of Rescission. This one was dated XX/XX/XXXX. I did not get it on that date. I received it XX/XX/XXXX.
I would like an answer about the overcharging of my GAP coverage. I do not believe I should be liable for the extra charges on my financing. And Toyota does not seem to want to work with me to fix the issue. Even in the response to the rescission I sent, Toyota ended the letter with I am behind on my payments and need to call Customer service to work out a payment plan. I find the overcharge to be a material breach of the contract and I would not be liable for any payment on the property.
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| 11/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I would like to express my feelings of despair coupled with immense anxiety that have been triggered the day I was lied to and misrepresented with false information. It is time to get to the bottom of it, thanks to the CFPB.
On XXXX XXXX my husband leased a car from Toyota Financial Services. The representative of the leasing company affirmed that my husband was approved for the lease, and the XXXX dealer will deliver the vehicle to our residence.
I will clarify yet again, my husband signed for the lease, and I did not fill out any applications with my information. In fact, I do not have a drivers license ; I never had a drivers license. I have no need to lease a car and never intended to do so. Nevertheless, with the arrival of the new car, there were documents that required my signature.
Since I am completely unfamiliar with the car leasing protocol, I followed the directives given by the driver that delivered the car. After my husband signed the lease agreement, the driver required a spousal signature since we live in the same household. He said that the paperwork request is mandatory for insurance purposes and handed over paperwork that he had prepared. My husband specifically asked about the nature of the documents to which the driver replied that by law when one gets an insurance quote, everyone residing in the household has to be listed on the policy even though they do not have a drivers license. He explained that it is urgent he gets my signature before he leaves otherwise there will be issue with the car insurance policy.
My husband and the driver drove to my workplace in the new car, and the driver mandated my signature then and there and re-explained how important it is. I naively followed the instructions without giving out any of my personal information to Toyota Financial Services and I signed on the basis that it 's required for insurance.
The problem began when my husband unfortunately was involved in a accident. When he spoke to a XXXX representative, he was told the car is totalled and ca n't be repaired, he also affirmed that since he has full coverage " As it 's mandated for a leased vehicle, it 's not possible to lease a car without full coverage insurance '' they will pay for the full value of the car. However, that was not the case. XXXX did not pay the full amount. ( I will attach the letter from XXXX to prove it, I 'm not here to say that XXXX did n't play a role in this mess, but I 'm submitting a seperate complaint for that ) Toyota Financial Services claimed that I have gap insurance with Toyota Financial Services as well as a damage waiver that will cover the remaining balance and therefore I should n't worry about the fact that XXXX did n't pay in full.
I remember clearly my husband being on the phone with Toyota Financial Services day after day since he always was ahead of his payments by 3-4 months and wanted to know if hell be refunded ( As you 'll see from the collection letter I 'll attach where it says Customers Payments, who was promised to be refunded to my husband since it was an overpayment ).
After hundred calls and many aggravating hours spent merely to reach a representative, my husband got through, and Toyota Financial Services agreed that there is a overpayment ofapprox. $ 1,600and they will send the check in the mail for that amount.
I will never forget the day when mail from Toyota Financial Services arrived. Surprisingly, instead of receiving a check as promised, we received a detailed bill, which amounted to almost {$14000.00} ( Will attach a copy ) of what they claimed my husband is liable for. The frustration of receiving the bill was extreme. My husband contacted Toyota Financial services, and was told that it was an error on their part and it will be taken care of promptly. In the meantime, while waiting for them to correct their error, my husband 's credit score dropped by 250 points. When he verified the reason for the credit drop, the only liability that showed up was Toyota Financial Services account in delinquency!!!!! My husband called again and again and again and there was no one to talk to Nevertheless after over 1 hour and 15 minutes hold time, a representative answered, and transferred the call to the recovery department because he did not have access to our file since it was delinquent.
Unfortunately, I 'm limited in the amount of words I can put into this complaint, and I will not have the ability to mention every single phone call of abuse and dishonesty and lies that was told. I WISH I WOULDVE RECORDED THEM, JUST TO SHOW THE CFPB HOW EVERY REPRESENTATIVE SAID SOMETHING ELSE!!
What I do want to say is that a year after the Toyota delinquency appeared on my husband 's credit report and made an aggravating mess, it all of the sudden appeared on my credit report! " " Yes as I says it just began reporting to my credit reports!! I 'm not in any way joking, I purchased several times copies of my reports and since there 's no one to talk to at Toyota Financial Services I contacted the credit bureas for help and all they told me was how I 'm able to dispute it and they will forward my dispute to Toyota '' '',,, This is entirely illegal, and should Toyota Financial Services claim that I signed, I believe I made it clear how the driver fooled me into signing this on the basis that it 's for insurance.
After disputing it several times with the 3 major CRAs the answer always came back with one statement " WE VERIFIED THAT ALL INFO IS ACCURATE, but nothing more than this statement. And they would n't release any info on how they verified it.
I ask the CFPB to explain Toyota Financial Services my rights and educate them on the FCRA since I am a novice and give them this last chance to remove it and make things right.
Should Toyota Financial Services feel that they are a prominent enough institution and theres no need for them to waste their time making things right, I will have to pursue legal action.
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| 10/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Creditor Toyota Financial Services - Collection Department Spoke to " XXXX '' employee ID # XXXX - XX/XX/XXXX XXXX XXXX Spoke to XXXX employee ID # XXXX XX/XX/XXXX XXXX XXXX A Payment extension was requested on our Auto loan with Toyota Financial due to a major unexpected water damage and mold remediation issue in our home that caused us to be displaced from our home for almost 2 weeks. My wife contacted Toyota financial on XX/XX/XXXX advised of the hardship situation and that is was no resolved and making the payment going forward would not be a problem my wife was told her account did not qualify for a payment extension at that time. Toyota Financial stated they could not give her the details as to why the extension was denied but she would receive a letter stating why. On XX/XX/XXXX we received the adverse action letter from Toyota Financial stating her extension was denied due to information obtained in her credit report. This concerned my wife so we called the finance department/collections/account resolution department where we spoke to XXXX ID # XXXX where we were told that the extension requests did not require her credit report to be pulled and the decision was not influenced by the information obtained in her credit report. The Resolution specialist XXXX ID # XXXX then found the letter we had been talking about and said that he was going to escalate the matter to his fraud department and we should call back in a few days to see what the resolution is regarding the letter. I advised XXXX ID # XXXX that we had already requested a supervisor call us back when the extension was denied on the initial call back on XX/XX/XXXX and we still have not received that call and we want answers regarding this now. XXXX stated that they do not pull credit ever that the base their decisions off the original credit pull from the time the contract was originated. When we tried to read him the letter verbatim showing that a credit pull was indeed done he continued to talk over my wife and I becoming very hostile. He said he saw the letter but refused to acknowledge the part of the correspondence that clearly states the credit report was obtained on XX/XX/XXXX.
XXXX then told us that he wanted the conversation to be kept professional with no interruptions as my wife was explaining the past situations where we asked for callbacks and they never happen, we asked for payment history requests it never happened and she was stating a situation that took place in XXXX, XXXX ID # XXXX repeatedly cut her off and started speaking over her in which at that point he termed the call when told him he wasn't going to talk to my wife that way.
We called back and spoke to XXXX '' ID # XXXX and advised her the situation regarding the ADVERSE ACTION LETTER regarding the extension request, XXXX ID # XXXX told us that they dont pull credit as a deciding factor for an extension, XXXX ID # XXXX said she can request 1 or 2 month extension and can see if it would be approved, we gave her the reason the account was delinquent and that the matter was a financial hardship that was now resolved. We even offered to accompany the extension with a payment, we were told that both 1 and 2 month extensions were denied and said we would receive a letter as to why. Again I asked if the credit report information or score was a factor in the denial I was told no it wasnt by XXXX ID # XXXX. I went over the letter dated XX/XX/XXXX and that the extension was denied because of the information obtained in my wifes XXXX CBR dated XX/XX/XXXX. I asked why was her credit pulled a month prior to the delinquency and for what purpose when she did not authorize any new credit pulls, did not call or speak with Toyota in XXXX nor was she informed on XX/XX/XXXX that credit was a factor in the decision. XXXX ID # XXXX then changed her story to now credit is a factor in the extension decision process and if my wife CBR wasn't worthy of an extension thats why it was denied. I asked XXXX ID # XXXX to go over what factors then are used if the reason for delinquency was medical? Would she pull my medical records to prove if the issue had been resolved in order to approve or deny the extension. XXXX ID # XXXX said of course not. I asked her when and under what circumstances will Toyota approve an extensions. We tried to do this last week, we tried to do it XX/XX/XXXX, and XX/XX/XXXX and every time it was denied. In XX/XX/XXXX my wife lost her job and called proactively to get an extension before she received any late fees or accrued additional interest for being past due and she was told that the account had to be over 30 days past due in order to request an extension. Toyota confirmed to my wife that she should call back when she was 30 days past due. In XX/XX/XXXX the account was past due 2 payments because Toyota had misapplied her double payments to principle only instead of the billed principle and interest that was past due. We had a supervisor look over the account and he identified where the payments had been misapplied and said he would call back in 3 days or less to confirm the payments had been adjusted correctly. Instead of a phone call we had a repossession agent try to take the car siting that Toyota put the car out for repo for it being past due for 4 or more payments. Clearly the repo was unsuccessful as we still have the vehicle but we have yet to receive the payment history as requested in XXXX and in XX/XX/XXXX, we never did hear back from a single supervisor as requested. We ultimately had to borrow the funds to avoid a risk of repo while trying to get Toyota to explain themselves about the payment. Each time my wife would make the payments the representatives would confirm that she was not past due just simply paying ahead. It was not until the attempted repo did we find out that they misapplied her payments causing the loan to become past due. We recorded the last 2 conversations on XX/XX/XXXX which lasted over 40 minutes.
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| 09/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My husband and I bought a XXXX XXXX XXXX and financed it through Toyota Financial Services. My husband and I then divorced in early XXXX and in XX/XX/XXXX I put the car in my name. The guy I bought the car from at XXXX Toyota told me that I didn't have to make my first two car payments because there was some kind of grace period. So essential he said that XXXX and XXXX were freebies ( which I am not so sure about because TFS didn't see it that way ) which is another reason for filing this complaint.
In XX/XX/XXXX, I lost my income due to covid. I went from making over {$10000.00} per month to my {$3000.00} per month. Knowing I was in dire straights, I got a deferment on my payments for 2 or 3 months in the fall of XXXX. At that point, I had only made my XXXX payment of {$740.00} which was the first payment I thought I had due.
In XXXX I paid my monthly payment of {$740.00}. I fell behind again because I didn't have enough money to live on. However, on XX/XX/XXXX and XXXX XXXX, I made two large payments in the amounts of {$1200.00} and {$1900.00} respectively.
Not having enough money again, I was not able to pay and I called TFS in XX/XX/XXXX to ask for a deferment and they gave me a two-month deferment/extension. In XXXX, Toyota repossessed my car. I never got a phone call. They were calling a number that was not even mine. Although they had sent me mail, I was also having issues with my mail and there have been fraudulent issues with my mail, so I had not seen a notice in my mail.
When my car was repossessed, I was able to come up with the money necessary to get my car out of repossession. I paid Toyota over {$3000.00} for late fees, the repossession fee, and my late car payments. {$2900.00} was applied to my principal balance.
TFS was deceitful when I spoke to several people in that they told me many times over the course of talking to them that anytime a vehicle is repossessed that any warranties, rebates, and maintenance automatically come off the car. For example, I realized that I had paid an extra {$8000.00} to have that on my car, which I also feel was deceitful. I had no idea I was paying that much! I had put that much money down on the car and had I known that I would have said NO.
Come to find out, those fees do NOT come off the car automatically and I am sure many people are shocked to find out that it is not only time-sensitive but that the consumer HAS to do the work. Toyota Financial doesn't do any of the work to take off those thousands of dollars for you. First, I had to find out who held those warranties, maintenance, and rebate fees, which is a different company. Then the consumer has to call them, then you have to go get a certified reading of your mileage and then fill out a form and send it back to this company. Then the company will send TFS a check for the money owed. Which can take 6-8 weeks. In my case, it's almost {$8000.00} and I am upside down on my loan so this check will make a huge difference in making my car closer to what it's actually worth.
After all of that, I was able to make my XX/XX/XXXX payment and am back on track with my car payments. However, in the last two weeks, I started getting calls from Toyota Financial and my credit report was sending me alerts stating that I am severely late on my Toyota car payments.
Two people from TFS called me stating I was over 100 days late on my car payment and I assured them I was not. They looked in the system and said I was correct and apologized. Today after getting another alert from my credit report saying I was severely late, I called XXXX. The first message I got from Toyota was the same one I got when my car was repossessed. It said, " Your payment is severely overdue ( or something like that ) and if you think your car has been repossessed please stay on the line to speak to an agent immediately. '' When I spoke to an agent, she said my account was in fact 100 days overdue. I told her it absolutely was not and explained to her that my car was repossessed in XXXX, that I made a huge payment in XXXX and that brought my account current. That I made my car payment in XXXX and plan on making my XXXX payment in the next couple of days.
She said that according to her records those payments were for months back. I had forgotten when I was speaking to her that I had deferments, which are applied to the end of your loan term. I assured her that I was not late, as the agents who told me when my car was repossessed assured me that my loan was current.
She continued to tell me I was over 100 days late and I told her I absolutely was not. She said there had been returned payments and I said regardless, I know that I am current and I could tell her exactly what I have paid in. She said she would send me a billing statement so I could compare it to a bank. I told her I wanted assurance that my car was NOT going to be repossessed and she said that my car was NOT up for repossession.
The accounting works out to this ( roughly not to the exact cents but pretty close ) : TOTAL DUE to TFS during the term of my lease agreement including the two deferments/extensions applied to the end of the term and the " freebie two months that my loan officer said I had '' : {$8800.00} AMOUNT I have PAID to TFS during the term of my lease agreement and I am still getting calls stating I am late and my credit is showing that I haven't paid for seven consecutive months! {$8200.00} Even if they still report when you defer, which seems a bit deceptive, the longest I went without paying anything was 5 months. And they definitely should disclose that they will be reporting to creditors if you take the deferment plan. Essentially, it appears that I am $ XXXX short of what I totally owe.
You will see on my XX/XX/XXXX bill that my amount owed was XXXX but that all of a sudden on my XX/XX/XXXX bill it jumped up to over {$2200.00}. THere is a mistake somewhere and they wont fix it.
|
| 09/27/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Attention : XXXX - End of Lease Dept.
XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : Account XXXX Customer : XXXX XXXX Car : XXXX XXXX XXXX XXXX XXXX Certified Mail : Fax : XXXX To Whom It May Concern, As of XX/XX/XXXX, I have been made aware that I have an outstanding balance of {$860.00} on my XXXX XXXX due to a door ding, a small crack in the windshield, and a scratch on the back bumper. I am disputing these charges based on the following information : In XX/XX/XXXX, I took out a lease on the XXXX XXXX and purchased a protection plan, which I paid extra for with each lease payment that I made TO TOYOTA. I was told by my dealership ( Toyota of XXXX XXXX ) that at the end of the lease, this would cover and dents and dings that remained on the vehicle should they determine there was excessive wear and tear. I was not told that I needed to file any claims prior to turning in the lease at the end nor was I advised that such warranty/protection plan would expire at the end of the lease and I would not be covered past my turn in date.
On XX/XX/XXXX, I turned in my XXXX XXXX with sales rep XXXX XXXX at Toyota of XXXX XXXX and also leased another XXXX XXXX XXXX ( which I will NEVER do again after having this experience ). XXXX, my salesman, did some adjustments for mileage etc. and said I was good to go. I did not expect to receive a bill in the mail for XXXX soon thereafter, as I had been paying for a protection plan!
After receiving the bill, I tried several times to have XXXX clear this issue, as he had indicated everything was okay when I turned in the lease. He attempted to fix it and have XXXX drop some of the cost, as I was a repeat customer. I also advised him of the protection plan and asked why that didnt cover it. I did not expect to be billed. On or about XX/XX/XXXX, I was called by a Toyota Collections department ( end of lease department ) and told I owe these funds. I explained that I had a service contract through XXXX XXXX, YOUR VENDOR, and was told they are not a vendor of Toyota and are not responsible. ( If they arent a vendor, then how did part of each monthly payment go to them. What a conundrum ). All I know is that Toyota sold me on this vehicle and this protection plan, and I paid for the plan through Toyota in my monthly payments. Yet, when it comes to the end of the lease, Toyota claims no responsibility and wants to have nothing to do with them! On my call around XX/XX/XXXX, I was told to file a claim through XXXX XXXX. I asked for a copy of my protection plan, as I no longer had this information. I also asked for a copy of my condition report to prove what the charges were for. They said they would mail these documents out, but I never received them ( I ended up pulling the attached condition report online ).
I talked to XXXX, and he had another man call me from the financial office ( I cant remember his name ) who claimed he never sells the contracts as if they cover scratches. Fair enough ; I am willing to pay for that XXXX. He did say it should cover the door ding and windshield the other XXXX and XXXX.
That is why I had purchased the agreement of course! There is no reason to worry about mechanical repairs being covered on a car I will only have for 3 years!! That would be pointless!
On XX/XX/XXXX, I called XXXX XXXX and talked to a man named XXXX. He said that all Toyota had to do was call them and file a claim and they could cover the door ding and windshield. It did not matter that the lease was over and the vehicle was turned in. In fact, because the lease was turned in, Toyota had to call for the claim and I could not file one myself.
I had XXXX from the end of lease department to call XXXX XXXX. A woman told him my policy was expired as of XX/XX/XXXX and they could not file a claim. Please note that no one at XXXX wants to be responsible for telling customers how all of this works. No one wants to tell them to file a claim and get repairs completed prior to turning in their lease. In addition, no one wants to take responsibility after the plans are sold ; they just collect their share of the profit and claim to have nothing to do with XXXX XXXX. And now I have to play ring around the rosy with Toyota and XXXX XXXX!
XXXX told me the lady at XXXX advised the policy was expired and there was nothing she could do, so I called XXXX XXXX back. I spoke with a man named XXXX who advised he was unable to file a claim and that the policy had expired XX/XX/XXXX. I asked for copies of my protection plans for both the XXXX XXXX AND the XXXX XXXX, since I want to make sure I am not paying FOR ANOTHER WORTHLESS PLAN! Now I am stuck with this payment for a door ding and windshield crack and no one will take responsibility for 1.
Selling a contract by portraying it as covering dents and dings at the end of the lease. 2. The fact that I was NOT told I needed to file a claim with XXXX prior to turning in the lease.
I have taken responsibility for paying every payment ON TIME for 3 years, in addition to the extra amount each month for the protection plan agreement. Now, after 3 years, Im told it covers nothing!
Can someone please take responsibility so I do not have to pay the XXXX for these costs that should have been covered? The representative so graciously reduced the price from XXXX to XXXX, but I am disputing that I owe any more than XXXX. Also I have repeatedly asked about credit reporting and no one is able to tell me when or if it will get reported for my failure to pay this debt. Please advise regarding the credit reporting process.
Thank you, XXXX XXXX P.S. Please pull these calls and have XXXX XXXX pull these calls, as I am not making this up!
Enclosure : Condition Report CC : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Update- I still have not received a written response and was advised today XX/XX/XXXX that i would not be receiving a written response. It has been over 30 business days.
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| 09/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir or Madam, *1. TOYOTA MTR Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with TOYOTA MTR and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 05/04/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Summary : Payment deferral was requested via phone for the months of XX/XX/XXXX and XX/XX/XXXX ( 2 month deferral ), and granted by TFS. Thereafter, deferral for XX/XX/XXXX and XX/XX/XXXX were each requested separately, online, and granted. Regular payments resumed in XX/XX/XXXX and all subsequent payments have been made on time, via automatic payment. Sometime late XXXX, I noticed that a balance of twice the normal monthly payment was showing due on my paper statements. Upon logging on to my account, it looked as if everything was in order, and I called TFS to verify ( not documented, as it was before the severity of this issue was realized ) and they confirmed that my account was up to date. I started documenting the calls with TFS in XX/XX/XXXX, as shown below.
I have spoken to TFS on 11 separate occasions, ( XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXsecond call, XX/XX/XXXX, XXXX, XXXX-second call, XX/XX/XXXX, XXXXsecond call, XX/XX/XXXX ) and each time I'm told that they have identified the issue on their end, and will coordinate with a supervisor to clear my account, after which I can request a correction to my credit report. This amount is still showing past due on my account, form XX/XX/XXXX, and is reporting to the credit bureau, damaging my score. Each time I speak with a rep, I am promised a call back from a supervisor within 24-48 hours, and never has such a call been received. I would like my account corrected XXXX deferral for XXXX applied so no past due balance is due ) and a correction issued to all 3 credit reporting agencies.
XXXX : Initial call to clear up a past due balance showing on my statement XXXX XXXX XXXX Deferral was recorded by TFS for XXXX and then XXXX ( instead of XXXX ) overlapped XXXX and didnt record for XXXX ; XXXX promised a call back from a supervisor, never received.
XXXX : I called after the promised callback was not received, TFS confirmed the account was showing current, and said they submitted a dispute with the credit bureau/dept at TFS to remove the marker on my credit report.
XX/XX/XXXX : Letter dated XXXX XXXX received around XX/XX/XXXX ) from TFS Credit Dispute Dept, stating the information reflected on TFS records are correct.
XX/XX/XXXX : called, spoke with Agent ID : XXXX, agent confirmed that the XXXX deferral was not recorded correctly by TFS, even though it was approved, he said the credit dispute team ( dept that sent the letter ) can not see the records in detail and dont have access to the same records he was reviewing ; agent emailed another dept to rectify and suggested I call back in a week or so for the credit marker dispute portion of the issue after I see the account correction online.
XX/XX/XXXX : Agent ID : XXXX XXXX, took info, attempted to connect me to a supervisor, we ended up getting disconnected XX/XX/XXXX : Agent ID : XXXX logged a complaint to escalate the issue with the back office team, promised a call back to update me in 24-72 hours, suggested it might be in my best interest to submit a written dispute to Credit Dispute Research Dept, XXXX XXXX XXXX, XXXX XXXX, IA. XXXX.
3/30 : XXXX received, stating the information reflected in TFS records is correct and they are reporting to the credit bureau accordingly.
XXXX : XXXX : Stated that the reason the XXXX deferral was not applied is that I did not return the proper deferral agreement form ; informed me that at the beginning of COVID, signatures for deferral agreements were waived, which is why we were not requested/required to sign one for the first 3 deferral months, however for the XXXX deferral request, signatures WERE required. ( A deferral fee was paid, but no agreement received and therefore not recorded. I never received a deferral agreement to sign. ) XXXX : XXXX XXXX, Agent ID XXXX ( Supervisor ), messaged back and forth with manger who handles deferrals while we spoke on the phone. XXXX advised that he was communicating with this manager and WILL CALL ME BACK BY TOMORROW, XXXX, at XXXX. XXXX, TX location. ( Callback never received. ) XX/XX/XXXX : XXXX, XXXX ID XXXX, verified all info, connected me with a supervisor at my request.
XX/XX/XXXX : Agent ID XXXX ( Supervisor ) claiming that because a signed deferral agreement was never received by TFS, the deferral is null and void. I never received a deferral agreement or was otherwise communicated that XXXX needed to be returned in order for the deferral to be applied. I requested an update on the complaint escalation from my XX/XX/XXXX call and Agent told me that I was not privy to that information. Agent was unwilling to further escalate my concern in any way. When I asked to be connected with his supervisor, he told me that his supervisor did not get on the line.
XX/XX/XXXX : Called local Toyota dealership ( XXXX XXXX, XXXX, WI XXXX where we leased the vehicle in question to see if the Finance Manager at that location could assist. He apologized and informed me that the situation was out of his control and he did not have any contacts at TFS that he could share with me.
XX/XX/XXXX : Agent ID XXXX, Called me looking for payment against the past due balance. I directed her to look back at the notes. Heres what she could see : XX/XX/XXXX : deferral request for XXXX and XXXX XXXX : administration request ( does this mean online? ) for XXXX and XXXX ( ( OVERLAP FOR XXXX! XXXX XXXX XX/XX/XXXX : note about holding XXXX and XXXX XX/XX/XXXX : extension approved for XXXX Agent is going to have her Manager review the account and call us back. ( Callback never received. ) Desired resolution : For TFS to apply the requested and approved deferral to the XX/XX/XXXX balance due, and for TFS to report the correction to all 3 credit bureaus on my behalf, within the next 30 days.
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| 10/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Hello Toyota Motor Credit Corporation, I have looked over the Affidavit of Defense To The Creditor form that was sent to me on XX/XX/XXXX. I am contacting you all in my defense. While I understand that you all are the lien holder of the vehicle that Ive had sense XX/XX/XXXX, I have maintained the vehicle at least 4 years now. I only owe a small remaining balance and I believe I can pay the vehicle to the end of term.
On the date of XX/XX/XXXX, my car was booted by the City of XXXX due to a personal matter between myself and XXXX regarding a ticket payment plan. The price to recover the vehicle was really high, so the car was towed and impounded by the XXXX of XXXX due to inability to cover funds. On XXXX the XXXX XXXX, I contacted Toyota financial services and notified them of the impound by the City of XXXX. We set up a verbal payment arrangement for the date of XX/XX/XXXX. I have email confirmation from that verbal communication with the card that I do have on file ending in XXXX. Attached is the email.
Naturally, I was highly surprised when my vehicle was repossessed from the impound on XX/XX/XXXX of XXXX. I contacted the impound to see what the total cost of the vehicle was. The impound states that the car was already taken by the lien-holder. I contacted Toyota Financial Services on XX/XX/XXXX of XXXX and the representative told me that the car was repossessed by XXXX and towed by XXXX XXXX XXXX. I was told that I had to pay {$840.00} plus {$520.00} impound fees Plus repossession fees. I was told that I had until XXXX XXXX to bring for the funds before Toyota takes complete possession of the vehicle. I had limited funds at the time, and the city of XXXX gave me a hardship because I have section XXXX and food stamps. My payment plan amount was only {$150.00} and some change to start though it was originally quoted a couple XXXX.
Next, I contacted Toyota Financial Services on the XXXX of XXXX. I was notified that a payment for {$280.00} was attempted to be debited from my debit card on file on XX/XX/XXXX, and that I only owed the {$560.00} on top of whatever the additional fees were. But then the Representative naturally noticed that the payment did not go through. How is it that there is an attempt to take out a payment on a payment arrangement that we made and my car was still repossessed because Toyota financial thought that the car would be smashed or taken by the city of XXXX? I was never notified that the vehicle would have been taken out of the impound, because to my understanding there was a payment arrangement made when the representative did know that the car was impounded and I made the payment arrangement to save the repossession, in the first place. Now at this point, theres a repossession on top of additional fees for an act that I had no idea, was happening. Now Im in an even deeper hole.
I contacted Toyota Financial Services to negotiate extension, they gave me to the XXXX of XXXX, but was then pushed back to the XXXX, once I spoke to a Manager. ( They took almost 72 hours to speak to me though it should have been up to 48 hours, and I had to call ). At the time of the original arrangement I was only behind by two payments and I was willing to figure out how to pay the other two pretty quickly, especially with everything thats been going on with the City of XXXX. I have attempted to sell things, nothing of real worth. My car is my only monetary asset right now. Ive contacted family members and friends. Ive done everything I could to this point. Yet, I believe I was prematurely repossessed when there was an arrangement in place. I was speaking to supervisors and managers and managers managers. I have been trying to figure out what could be done, because the thing thats really holding me back, is honestly the {$990.00}. If I had a payment plan in place, a repossession should not have been made. If the car was never repossessed from the impound, that would have been in my payment plan to the City of XXXX. The fees would have been included. And Toyota Financial Services repossession fees would have been half of that amount of {$990.00}.
I was told everything from Weve given you too many extensions! to Youve been repossessed one time already, and youre definitely not eligible for any grace! to Even if you were not ever repeat death, were not extending a payment arrangement of any sort to you at this point. to Sell everything you need to in order to get the money ; we are only helping you with other options. Finally, to take out my XXXX, if I had one. I just completed school.
Quite honestly, there was a payment plan in place, I did not expect a repossession from the impound, and I was prematurely repossessed. That is my defense.
I am requesting information about the communication that does not need to be had between the customer and Toyota Financial Services with regard to a third-party and a repossession.
I do have hardships. Anything could happen within a 60 month period. While I understand that Toyota Financial Services is the lienholder, I am also aware that Im almost paid off. I just want to complete this car note, and have a lien myself. I would like to be the lienholder on the vehicle that Ive had for over four years. Please let me know what could be done as far as some type of payment arrangement. Since all of this has happened I owe one more payment. And this is on top of the {$840.00} that I already had to pay from the day of the impound which was XX/XX/XXXX of XXXX. As a person who is still working on finding a job, but willing to fight to keep the car, to get there, I need something to be done. I owe under {$7000.00} on the car at this time.
Please contact me at XXXX or XXXX for further information and detail.
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| 07/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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The XXXX XXXX XXXX XXXX has been my dealer since the first time I bought my car. All of my service appointments and issues have been addressed by them. However, it got out of hand when suddenly they are charging me XXXX XXXX dollars for something that is not right and just. I have taken my car to this dealer numerous times for service issues that ranged from electrical problems such as the charging port not properly working, to the changing or airbags, etc. The dealership has blamed me for messing up the car and isn't releasing my car until I make the payment of XXXX XXXX dollars. The dealer never charged me for any issues before the most recent visit. I had paid my insurance and paid for the extended warranty that gave me a platinum warranty for my car for XXXX years, or the first XXXX XXXX miles on the car. That should cover any service issue that I face with the car. On about 4 occasions my car broke down because of similar issues that had to do with electrical problems and each time they simply told me that the fuses needed to be changed and the car will be perfectly fine. Each time after the other the same issue arose and I had to bring the car to them again. I brought the car to them in XXXX of XXXX regarding this electrical problem and as shown in the service appointment sheet they stated that " All 12V CHARGER ARE NOT WORKING FRONT AND REAR 3 OF THEM '' after this appointment they told me they fixed the issue however a few months later the same problem arose and I took the car again for the same issue until XXXX of XXXX which is the most recent visit. two whole years later the same issue persisted and even in the XX/XX/XXXX service appointment one of the main concerns was that " CHECK ALL 12V CHARGER TWO NOT WORKING ''. these words are attached in this case as pictures and evidence to show that the dealership hasn't done anything to fix the problem, but rather postponed it until it collapsed and blamed me for it. The best excuse they could come up with was that I had spilled coffee in the electrical system and it's the cause for the electrical failure. Please someone explain to me after two years the same problem persisted and they kept ignoring it and never fully fixed it. All they did was changed the fuses and said it'll be all good. However this time some gases were coming out of the area in-between the driver and passenger seats. The car wasn't turning on properly as it had been for a while. The dealer informed me that the issue will be fixed and it'll take two to three business days to get it fixed like they always have and lied about it. I called them several times within the first week and spoke to the representative that was responsible for my car and getting it fixed. His name is XXXX XXXX and he told me that he will order some electrical parts to get it fixed, never mentioning anything about the coffee being spilled into the system or blaming me at this stage yet. Note that at the time I brought my car to the dealer I asked to remove my belongings, etc since my car is a XXXX car and I had my stuff in there. They told me I can remove them and so I removed the personal things a lot with any trash or anything in front of them. A whole week later they informed me that the car electrical system is messed up because I had spilled coffee on it and that burned the system. First of all, I don't even drink coffee or sugary drinks and even if I ever did how will the coffee be fresh after a whole week. on top of that if they did see the coffee being spilled and causing the problem why didn't they inform me within the first week or earlier. Could they not see the coffee then. What was the whole point of ordering new electrical parts and telling me that they'll be fixed? This whole thing is a setup and they are bailing me for the spilling of the coffee that they are using as the excuse to make me pay for the whole service. I feel helpless and I could do nothing as I tried speaking with the main center of Toyota regarding this issue and they also said that the spilling of the coffee is something not protected by the extended warranty. The only help I can receive is from the consumer protection agency and it's my last hope to receive help. Will the representative responsible for my car told me that this is my fault and the extended warranty wouldn't cover such a thing. I have pictures and videos of going to the spot when they told me that then liquid burned the electrical system. When I went there the coffee was fresh and how could this be possible after a whole week of the coffee is there. The picture that is attached shows that the wires are protected by coverings and even if the coffee had somehow spilled it wouldn't have affected the electrical component. This whole thing has been an accumulation of all the visits I had until that point and the whole system just failed because of it. I humbly request the Consumer protection agency to help me with this case and help me get my car back. I have done nothing wrong and I have provided pictures and shreds of evidence from my side. I haven't been able to even go to work because they have kept my car for almost a month. I drive for XXXX and my income depends on it. I have lost one month of income because of this issue the dealership has caused me. Even though the dealership have provided me with a car in exchange for the other car that they have in the dealership, it's basically useless for me since it's not a XXXX approved car and I ca n't drive it for XXXX.Thanks for reading and helping me.
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| 11/28/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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In XX/XX/XXXX, I signed a two year lease with Toyota Financial Services on a XXXX Toyota Corolla. The issuing dealership was XXXX XXXX in XXXX, MN and the lease was held by Toyota Financial Services.
The excess mileage fee section of the lease contract that I signed on XX/XX/XXXX did not list an excess mileage fee, which indicates that I would not be required to pay any excess mileage fees. In other words, the section of the contract that listed what fees I would be obligated to pay for excess mileage was blank. In XX/XX/XXXX, one month prior to the termination of my lease, a representative from Toyota Financial Services called me to ask if I had any questions regarding the end of my lease or the fees associated with lease termination. At this time, I asked the representative to confirm that I would not have to pay any excess mileage fees, as my contract supported that I would not be obligated to. The representative informed me, after checking the contract they had on file, that I would not have to pay any excess mileage fees.
I returned the vehicle in XX/XX/XXXX. In XX/XX/XXXX, I received a bill from Toyota Financial Services that stated I owed the lease disposition fee, excess mileage charge, and taxes on both fees. I called Toyota Financial Services to ask why I was receiving a bill for excess mileage when they informed me in XX/XX/XXXX that I would n't have to pay for any fees and my contract was blank. They informed me that the contract they had on file from the dealership, XXXX XXXX, showed that I had signed agreeing to pay any excess mileage fees at a rate of {$.00} per mile. I informed Toyota Financial Services that the contract was wrong, as my original contract and the only contract that I singed, shows I would not be obligated to pay any excess mileage fees. Toyota Financial Services told me the contract they were operating under showed I had initialed next to the {$.00} per mile fee and signed at the bottom. I told Toyota Financial Services that the contract was forged, as I had kept my original contract and had not, in fact, signed agreeing to pay any fees. Toyota Financial Services informed me that they had received two contracts from XXXX XXXX for my lease, and that they operate under the conditions listed in the most recent contract received from the dealer.
I asked Toyota Financial Services what could be done to rectify the fraud as the contract they were using was forged. I was informed that I could submit a complaint with Toyota Customer Experience and/or try to work it out with the dealership directly. I asked that Toyota Financial Services mail me a copy of the lease contract with the forgery, which they agreed to do. I was informed by Toyota Financial Services that any unpaid charges are sent to collections after 90 days without a payment.
I submitted a complaint with Toyota Customer Experience, and a dealership representative, XXXX XXXX, reached out to me to asked what the problem was. I informed XXXX XXXX that Toyota Financial Services received a forged contract from XXXX XXXX and that I was expected to pay excess mileage fees and tax as a result. I told XXXX XXXX that I was not going to pay a bill that I was fraudulently committed to paying on a forged contract. XXXX XXXX asked me to send him copies of the contract I had retained, as well as the forged contract Toyota Financial Services was sending me, so that he could review them with the dealership general manager, XXXX XXXX.
When I received a copy of the forged contract from Toyota Financial Services, I saw that my initials and signature had been forged, and that the dates and names of the dealership funding manager were also inconsistent, among other things. I emailed copies of both the original and the forged contracts to XXXX XXXX and called him to let him know I had sent him proof of the fraud. In an email response, XXXX XXXX told me he was going to show the paperwork to the dealership general manager and follow proper procedure to make sure everything was being done properly.
After two days had past, I emailed XXXX XXXX and asked him if he had spoken with the general manager about what XXXX could do to remedy the situation. In his response, XXXX XXXX asked me " What exactly are you asking for? And what is that based upon? '' In an email, I responded to him and the general manager, XXXX XXXX, and said that I expected XXXX to correct the situation as the contract Toyota Financial Services received from XXXX XXXX was forged. I did not get a response.
As there was no further response from XXXX XXXX nor XXXX XXXX, I wrote to the owners of XXXX XXXX XXXX, brothers XXXX and XXXX XXXX on XX/XX/XXXX, explained the situation in detail, and asked that XXXX pay for the fees and tax, being that Toyota Financial Services was operating on a forged contract. I have not received a response.
I do n't know whether XXXX XXXX forged my signature, or if a representative of Toyota Financial Services forged my signature, but I know that serious fraud has been committed against me as my initials and signature have been forged on a lease agreement I never signed, and that this has the potential to damage my credit profile. Neither Toyota Financial Services nor XXXX XXXX XXXX have taken responsibility to rectify this fraudulent situation. To the contrary, I am still at risk for being sent to a collection agency based on a fraudulent contract and at risk for my credit to be harmed.
|
| 08/11/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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TMCC has been scamming me for the past couple of months. They sent out a letter to me XX/XX/2022 stating that my account was in default and that I owed an amount of {$1700.00}. On XX/XX/2022 I responded with a debt validation letter asking the company for several explanations including : verification of the debt itemization of the amount itemization of other debts they claimed to be due etc.
Toyota did not respond to this letter in the manner in which they should have. They simply responded with my lease agreement that was signed when I first got my car. Nothing that I'd asked for in the letter.
On XX/XX/2022 to bring this account current and up to date- despite the lack of cooperation from TMCC I paid the full amount of debt to bring my account current {$1700.00}.
The payment was broken up into two payments but made on the same day. The first payment was in the amount of {$1300.00} and the other {$350.00}. This was done because the person I initially spoke to over the phone ( unfortunately I do not have his ID # at this time ) stated that I only owed that amount. After I got off the phone with this gentleman I called back to ensure that my account was up to date. This time the woman over the phone stated that I needed to pay the remaining of {$350.00}. So I did.
My confirmation number for that payment is : XXXX I did not receive a letter in the mail for the confirmation payment of the {$1300.00} The full amount of {$1700.00} included taxes on the car, miscellaneous fees, late charges, and two missed payments.
Unfortunately the app does not allow you to see your payment history nor does it allow you to make a payment over the phone.
Next month I receive a letter in the mail stating that I still owe late fees and property taxes, at this point I'm very confused because I'd made a hefty payment the month prior. I make a call to Toyota Financial, the person on the phone is able to identify the issue and states that the funds were not allocated correctly on the account and that they will put in a request to the supervisor for this to happen. Sounds good, right? Make my next month 's payment for XXXX over the phone on XXXX in the amount of {$450.00}.
My confirmation number for that payment is : XXXX XXXX comes up and the woman on the phone says to me that I have a credit on my account and that I only need to pay {$95.00} in order to satisfy account for that month. However, next month I receive a letter in the mail stating that I'm late by {$95.00} She made a note for everyone that sees my file that I indeed have this credit in my file.
My confirmation number for that payment is XXXX Assuming my account is totally up to date according to my records an entities on the phone at Toyota on XXXX I receive another debt validation letter in the mail that states my account is past due {$1100.00}.
Past Due Payment Amount : {$95.00} ( paid on XXXX ) confirmation number : XXXX Unpaid Late Charges : {$90.00} ( paid on XXXX ) confirmation number : XXXX Personal Property Tax : {$440.00} ( paid on XXXX ) DID NOT RECEIVE CONFIRMATION NUMBER : Verification will be provided under supporting documents Miscellaneous Charges {$60.00} ( paid on XXXX ) confirmation number : XXXX Current Payment Due : {$450.00} ( paid on XXXX ) Confirmation not yet received for this payment. Supporting documents will be uploaded below On XXXX I call Toyota Financial and am transferred to agent XXXX in regards to my account and ask to have a copy of my payment history sent to me in order to validate the information that she's saying that I owe. Once the email is received hours later the encrypted e-mail DOES NOT contain ANY PAYMENT HISTORY nor additional funds the company is saying that I owe but simply a document saying that the document is attached, and nothing is. Rep states that a supervisor will be calling to assist with this matter. Over 24 hours later and no response.
On XXXX I call back and am placed on the phone with rep : XXXX to once again request my payment history from Toyota. This time she states that the request will take 4-5 business days to fulfill AND continuously places me on hold without requesting my consent to do so. Explains that I have {$540.00} due in miscellaneous fees, owe an additional {$350.00} etc.
My issue with these debt validation letters is that not only are the numbers incorrect but when you respond as a consumer I do not receive the documentation that is requested.
Toyota Motor IS NOT : 1. Allocating my payments properly 2. Responding to my mail requests properly 3. They are adding miscellaneous fees to my overall car principle 4. Responding to my phone requests 5. Updating their app with fixing bugs and issues 6. Practicing stealthy tactics by not allowing their customers to see what they've paid and whats owed.
As the consumer you have to call them with any questions/concerns that you have + even then they do not solve the issue but instead give you the run around, say someone will give you a call and no one does.
They ARE NOT holding up their end of the bargain/ doing what they said they would do as a corporate entity.
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| 06/26/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I would like to bring up a few major concerns I have with the way Toyota Financial does business and how poor their level of customer care and support is.
1 ) I disputed a 30 day late with them because I was not notified by any method that a payment was due after I cancelled my auto-pay because Toyotas website was constantly giving me issues and errors every time I attempted to set up a payment method or make a one time payment. I asked them to remove the 30 day late because I had asked, and selected, to receive paper statements and none had been delivered to me in any form. Please do not ruin peoples credits over 1 day which you think they are worthless for. I mean how appalling that you claim that your grace period is 30 days and because I was 31 days late to process in making a payment, according to your departments, I am to be punished for the next 7 years! I suffered seriously because of your delinquency and my score has dropped over a 100 points! Let me tell you that it was the Holidays and your site was always down and not accurate because of all of the bank holidays making it difficult for me to make a payment. Why can your company not understand the human aspect to this and how horrible it is that your customer service reps don't care! I was very confused and upset that no one called me and in my dispute # XXXX they make many false and hurtful claims towards me. They claim they had contacted me which they NEVER did and I believe they should have by law because I was clearly unaware and no statements was received to my address on XXXX XXXX, which I was awaiting.
PLEASE ANSWER AND PROVIDE VOICE RECORDINGS : Which number did you call? Which agent called me? I want to know why no one left me a voicemail. I want the call pulled by the agents at the consumer financial protection bureau.
I think it is so wrong that you attack customers who feel like something is not fair and you do not even provide actual proof. I always make online payments and your website clearly states that if need be we will contact you via email to notify of any necessary actions needed to be take in case of emergency, mispayment, unfulfilled payment etc. So you can contact people via email and texts, who have willfully sign up, that they have insufficient funds but you can not contact me to HELP me not miss a payment by a DAY!? That makes no sense, it appears that there is a collective agreement within your financial department that it might be better to let naive customers be late so that your institution is able to charge a good customer like myself late fees. The irony is how often you call AFTER ones due date has come and gone. How thoughtful! But you contact someone right away, even via email, if their account was insufficient? Isn't that private information too? I had allowed such emails to come to me by clicking " agree '' online so that I MAY AVOID SITUATIONS like this! Pull my calls, all of them and show the CFPB and me the records of your agents attempts at contacting me and even the mail you claim you sent. My email is secure and I had always allowed you to communicate with me. And if a letter was sent I am certain your records department has a copy.
2 ) Who ever answered my former complaint made a fraudulent and defamatory claim against me saying that " Your account is currently past due for XX/XX/2018 payment ''. How is that possible when I made the payment and covered the loan for all months with confirmation number XXXX. I spoke to the rep and told him multiple times that for days I have been attempting to make payments via my phone and the website and the sites were not working and showing errors and not opening. I know my rights and I know I have a grace period by LAW, I discussed this with the phone rep and he told me to dispute anything if I needed to if I felt it was not right that I constantly had issues with your website and making mobile or website payments. I am not late when it is within my grace period. And I certainly am not late when your sites are the ones frustrating me!
A billing error and a statement sending error is on you and you need to accept that. Toyota is obligated to follow the law and I am sorry but I feel as though your general concerns in life are to make peoples lives XXXX and damage their financial lives so that you may make a few bucks in fees and interest charges against us. SO WRONG! I am looking into hiring a lawyer if this issue is not resolved. Because I feel as though you falsely accuse me of being late and that makes me stressed out, and now it has happened twice. Imagine how embarrassed I am when I am disputing something and your dispute department decides to publicly mention another " late '' to shame me. Was I talking about XXXX? NO we were discussing XXXX!
ALSO : BY LAW they were supposed to report this account as disputed and they NEVER did! I lost a credit card because of this. they asked me why I was late and I said it was in dispute and that I was not and they said that there would be a " In dispute '' in the remarks if that was true and there is none and so they did not believe me.
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| 01/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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Regarding XXXX XXXX XXXX I was a co-signer on sons auto loan referenced above.
While traveling through New Mexico the car above described broke down and needed to be repaired. The car was towed to nearest XXXX dealer, which is XXXX XXXX XXXX XXXX XXXX, XXXX, in XXXX, New Mexico.
Dealer sold him a new car and told him the repair otherwise would take over a week for the clutch part. He was not expecting a repair nor a week delay. The cost of the part would be {$2000.00}. Or he could buy a new car and the {$2000.00}. Could go towards a down payment. He decided to purchase the new car and financing was to be done through XXXX XXXX. My son did get a welcome letter from XXXX XXXX, regarding a new loan. XXXX XXXX later rescinded the loan but not until after the trade-in was paid off.
Dealer took car trade in on XX/XX/XXXX The dealer did not pay off the old loan on the XXXX until XX/XX/XXXX. I only found that out when the loan company called about the two missed payments, which I was shocked to find out, since they had a 10 day payoff on XX/XX/XXXX.
I told the loan company Toyota/XX/XX/XXXX the car had been taken in trade several weeks before and should have been paid off. After several calls back and forth between the dealer they said it would be paid off.
That in and of itself created credit lates that I had no idea happened not control of the process, I was very upset and expressed it to each person along the process. I asked that they the dealer, finance people assist in getting the late payments cleared up from both my sons and my own credit report. The spot delivery paper indicted that the dealer would be responsible for all payments on the trade in until it was paid in full.
I received a letter in XX/XX/XXXX and in XX/XX/XXXX stating the loan on the XXXX which I co-signed was paid off and the account was closed.
After several more weeks and many many calls from the dealer wanting more money and/or a co-signer for the new purchase. My son 's credit being pulled over 12 times, with no new loan.
The dealer asked for the new car to be returned.
I asked how the financing and payoff of the trade in would affect this because now there was no loan on the XXXX. The dealer, finance persons, sales person, two different general managers and the corporate official in salt lake never gave me, my son, ( nor my husband who was assisting me ) a straight answer.
They demanded the car to be returned after their last attempt to have XXXX XXXX revisit the loan approval. XXXX XXXX again denied for low credit score according to Information we received.
According to the spot delivery agreement, the new car was returned within 48 hours to the dealer, as required.
Returning it was no easy feat because the weather was very bad and it was a 11 hour drive each way from where my son lives. My husband followed him each way in case of any problems. This was on XX/XX/XXXX.
The XXXX was in running condition when they arrived to pick it up. We have no way of knowing if the clutch was properly fixed, nor did he get a bill. The {$2000.00}. was not discussed or returned. nor did any financial conversation transpire.
The new general manager put a temporary plate on the old vehicle and basically said here is your car, go register it when you get home. The General manager told my husband and son that out credit would be fixed and he would make sure it everything was handled. ( I could not go myself, due to my work schedule and it being such a long drive each way ) My son did n't notice that the rims had been swapped out and hundreds of miles put on the car until he was well out of the city and nearly home.
I received a call from Toyota trying to collect the old debt that I promptly told them was paid off. They confirmed after checking and said they did see that was true and would try to get to the bottom of the issue.
I also received a call from Toyota at the beginning of XX/XX/XXXX stating I would receive the title soon. I wondered why they called but I was on my way out of town so I thought I would figure out why upon my return.
I was out of town from the first of XX/XX/XXXX until the XX/XX/XXXX. When I returned home I had several new bills from Toyota with a new loan number but it was on the XXXX that was previously paid off. ( old loan was paid off and closed I verified this with two phone calls to Toyota previously and two letters from Toyota ) The dealer nor Toyota notified me of rescinding the previous loan nor did I sign any new financial documents for a new loan.
When I called Toyota regarding the loan, they said I was 3 months delinquent and XX/XX/XXXX the car ( XXXX ) would be repossessed.
Not only have the harmed my credit standing, I had NO knowledge whatsoever of the reversal and I feel it was fraudulent activity on the part of the dealer. Additionally my credit is a large part of my employability and now that is also jeopardized as well as my credit.
Thank you for your assistance.
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| 11/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
Servicemember |
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XXXX - I purchased a XXXX XXXX XXXX from XXXX of XXXX. I dealt with XXXX XXXX, Finance Manager. I signed all documents electronically using a device that was on XXXX XXXX 's desk. After signing, XXXX XXXX gave me a thumb drive instead of a paper copies of my documents.
XXXX - I reviewed by documentation on the thumb drive. I noticed a charge for an extended warranty that I did not approve. I emailed XXXX XXXX about the error and wrote ( US Mail ) both the dealership and XXXX Insurance, the provider of the insurance policy.
XXXX - I called Mazda Financial to find out about the loss payee clause for my insurance. During the call, I asked about the contact. The Mazda representative emailed a copy of the contract they had received from Mazda of XXXX. I opened it and learned that the amount financed had been altered slightly, and that the first payment was due one month earlier than it appeared on my signed contract.
XXXX - I placed multiple calls to XXXX of XXXX. After speaking to several individuals, XXXX XXXX finally returned by call and said the insurance charge would be flat cancelled and would be applied as a curtailment to my loan, and that the " mistake '' on the signature was due to a keypunch error and that he had not intended to make my financing terms less attractive, and that he would get the contract flat cancelled and resubmit it to Mazda.
XXXX - I called XXXX Insurance and alerted them that I had cancelled the extended warranty coverage. The representative indicated that they had my correspondence and that that the policy would be flat cancelled.
XXXX XXXX XXXX called me to say he was overnighting the paperwork to Mazda and that I needed to give him permission to run my credit again. I gave him verbal consent.
XXXX - I called Mazda again regarding the error in the first payment date as there was no change in my onlline account. The representative said that they had received paperwork from the Dealership changing the insurance company from XXXX to XXXX XXXX XXXX XXXX No other paperwork had been received from the dealership. During this call, I expressed concern about the Dealership 's intentions, especially since XXXX XXXX had not followed through on any of his assurances. The Mazda representative said she would reach out to the Dealership.
XXXX - Call to Mazda Financial as to status. I confirmed Mazda Financial had my correspondence, including a copy of the contract I actually signed. The Mazda representative indicated they were still waiting on a response from the dealership.
XXXX - Call to Mazda Financial. Mazda representative confirmed that they had a lot of information logged regarding this dispute, but that they could not rebook the account without the paperwork from the dealership. I told the rep that the dealership was supposed to send the paperwork weeks ago. I was placed on hold, and when the representative came back, she confirmed that the had the paperwork from the dealership and that a resolution should be forthcoming within a week or so, and that I would receive a letter.
XXXX - Called Mazda Financial. They stated that they had sent me a letter on XXXX stating that no incorrect information had been reported to the credit bureau. I expressed surprise that they did this since I had not yet disputed anything in the credit bureau, but instead was disputing the first payment date, which should be XXXX and not XXXX. I asked to speak to a supervisor. A man named " XXXX '' came on the line. He explained that he had been involved in trying to resolve this dispute since the beginning, and that they did have the right contract, but they needed XXXX XXXX to transmit a new credit report because they were unable to rebook the account as the old credit report was too old. He indicated they had contract XXXX XXXX about this multiple times, with the last contact with him eight days ago. XXXX stated that XXXX had told them he could not pull new credit as I had a lock on my credit file. While on the phone with XXXX, I went to the XX/XX/XXXX site and temporarily lifted the freeze. XXXX placed me on hold to again try to reach XXXX XXXX. XXXX came back saying the call went straight to voice mail, and that he did not leave a message. XXXX advise me to try to get the dealership to take some action.
XXXX XXXX same day ) I called the dealership and spoke to XXXX XXXX, a manager of customer service. I explained the situation to XXXX. She said the matter was above her " pay grade '' and said she would take the matter to the Finance/Internet director, XXXX XXXX.
XXXX XXXX called me back and said that XXXX XXXX would not intervene, and that XXXX XXXX was out of town and had been for several days. She stated there was nothing whatsoever that Mazda of XXXX was willing or able to do to correct this matter, and that I had no other options. I indicated I would be filing a complaint with the CFPB and possibly pursuing forgery charges.
|
| 08/30/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
My husband and father co-signed a lease with Toyota Financial Services 33 months ago. It was a 3 year ( 36 month XXXX lease with a payment of {$450.00} and some change. We first ran into trouble with the company in the fall of XXXX, when they called my father saying the payments were XXXX months behind. I was confused by this, as I had made all of the payments. However, when I called, I was told someone else had accidentally posted payments to my account in XXXX XXXX and XXXX or XXXX XXXX in the amount of approximately {$370.00}. When I had called to make the payments those months, I was told that my payment was {$89.00} and some change. I told the people that this was not the correct amount but they insisted that payments had already been made and I needed to just pay the {$89.00} amount. So, I did. In XXXX XXXX, the mistake was noticed by XXXX XXXX, which subtracted both payments of {$370.00} from the account but never notified us. Thus, the account became overdue and my husband 's and father 's credit scores took hits.
I called XXXX XXXX after they contacted my dad about the payments being behind. They explained to me what happened and were very careful to say that XXXX XXXX did nothing wrong -- the mistake was not its fault. I talked with the representative and set up a payment schedule from the end of XXXX through XXXX to catch the account back up. I made all of those payments. However, my dad again started getting calls from XXXX in XXXX XXXX saying the account was XXXX months behind, again affecting my husband 's and dad 's credit. I called and was told that XXXX of the payments I made were returned. This was not correct, as they were deducted from my bank account. I got documentation from my bank to show the payments were in fact deducted from my bank account. I submitted that documentation. I then followed up with XXXX XXXX and the person I talked to that time said that the payments were reflected in the account, but it was still XXXX months behind. At this time, I felt I reached no resolution and was n't getting any help from XXXX in figuring out what was going on. I decided to take a XXXX month deferral on lease to cover the XXXX payments XXXX said were missing. They sent the paperwork and it was filled out and mailed back to them. The next month when I went to make a payment, I asked them to confirm that the paperwork had been received. They did not have it on file. So, I requested it be resent. They resent it and it was filled out again and sent in the mail XXXX XXXX, XXXX. On Thursday evening, XXXX XXXX, XXXX, a tow truck came to our house and repossessed the vehicle. I had asked XXXX multiple times about the possibility of this happening while I worked to resolve the issues with them. They said multiple times that it was not in danger of being repossessed.
We had to wait for XXXX to come up with a rights letter. It took XXXX days. We finally received it XXXX XXXX. I paid the amount {$2100.00} to get the car back and it was released to us on that Sunday, XXXX XXXX, XXXX. Again, my husband 's and dad 's credit was hit extensively.
I called XXXX XXXX to make a payment on the account. I was routed to the redemptions department, where the man I talked to told me the account was closed and they were in the process of reopening it. I was able to make my payment. I also asked the man if he could tell me when the lease was up XXXX he said in XXXX, although I just had XXXX and XXXX payments left ) and the payoff amount on the vehicle. He said the payoff was approximately {$17000.00}. I then went with my dad to trade the vehicle in to XXXX in XXXX, Iowa, so I could get a new car. The finance XXXX called XXXX to get the payoff amount released so we could complete the deal. He was told that XXXX would not release that information because the account had been closed and was n't reopened. They said it would take XXXX to 30 days for everything to be updated. The finance XXXX told me he has been in his field for more than 15 years and he has NEVER had this happen where they would n't release the payoff information, even in situations of repossession.
The car is in good standing. The payments are up to date. I do n't understand how it is legal for XXXX XXXX to withhold the payoff information, basically preventing me from trading it for a different vehicle. I have been repeatedly told that none of this XXXX 's fault and the blame is always on the customer. They have been confrontational and rude on the phone, as well as unwilling to work to resolve the issues that have happened throughout the past year. Their refusal to issue a payoff amount is the last straw for me and my family.
I do not have documentation at this time, as XXXX closed the account making it impossible to access any information through our online account with them. I called yesterday to ask for documents but was told I could not have them.
|
| 08/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
Older American, Servicemember |
|
In late XX/XX/2018, I set up automatic payments via my XXXX XXXX Account to pay the lease payment to XXXX XXXX XXXX on the account XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. My husband had been paying by check and I asked to take over paying for this lease beginning in XX/XX/2018 using auto draw to prevent any late payments.
In order to set up the account with my bank, XXXX XXXX, I used the current statement which was XX/XX/2018 from XXXX that my husband gave me from XXXX XXXX, which is attached, This statement was used to create an auto pay using the amount as shown on their current statement of XX/XX/2018 in the amount of {$580.00}, attached, also to show the correct address to send the payment to XXXX XXXX, and the date for it to be paid each month.
The attached statement showed the amount due in the amount of {$580.00} on statement dated XX/XX/2018. I used this amount and this current statement for the auto draw on my bank account to be paid each month to XXXX on time. And now that I am reviewing the XXXX XXXX, they show for XX/XX/2018, a different amount due of {$570.00} ( attached )!
It was not untilXX/XX/2018, did I receive a clear understanding from XXXX in writing as to what the monthly payment should be. XXXX was showing us late and owing {$98.00}. I called XXXX immediately and paid the {$98.00} by phone. I paid them on XX/XX/2018. They indicated on the phone that there would be no late charge shown on our credit.
But, to our surprise, when checking our credit report via XXXX XXXX, XXXX and/or Toyota Financial showed us late for one payment even though it was an underpayment and we had reason for the amount we were paying. This is a huge issue as our credit score has dropped by over 150 points due to this underpayment! Our credit scores have always been in the high 700s to the mid 800s. We always pay our bills on time and to be assured they are paid on time we do automatic draws on our bank accounts.
I sent a dispute letter ( attached ) to Toyota FinancialXXXX XXXX dated XX/XX/2018, explaining my payment amount that was being auto drawn and why it was at the {$580.00} vs. the amount they now say is due in the amount of {$610.00} each month. The statement in XX/XX/2018, showed a payment due of {$580.00} ( attached ). There was nothing to indicate another amount was due each month. Even the XXXX statement attached shows a different amount due. They would not remove our history of the {$98.00}. They would give us no assistance.
When I talk to XXXX a couple of weeks ago, they said if I had paid the {$98.00} by the XXXX of XXXX not on XX/XX/2018, it would not have been shown as a late payment on our credit history! That was so concerning, as I was sure that I had taken care of it when I called XXXX on the XXXX of XXXX and paid the underpayment. I purposely asked XXXX on the XXXX if there would be any late charge, and the person on the phone indicated all was fine. Well not all is fine.
Now attached is XXXX letter to me, declining the request that this underpayment of {$98.00} be removed from our credit history. I was shocked and then wrote on XX/XX/2018 to XXXX, XXXX and XXXX to try to get assistance on this and at the very least to have this letter in file showing that I auto paid according to their XX/XX/2018 statement. It was just sent out so there has not been time for these agencies to respond.
I would appreciate any help that your agency could do for us. We are needing our good credit restored. This minor underpayment of {$98.00} has ruined our credit. It has ruined our ability to do business when someone checks our credit scores. XXXX or Toyota Financial Services has a really bad reputation on line for this kind of thing. XXXX XXXX, where we purchased the XXXX has tried to help us by calling XXXX. XXXX will not help us even with the dealer calling, I have taken all the paperwork to the General Manager of XXXX XXXX, XXXX XXXX and he is going to try to help us, but he can not guarantee even if he calls to the upper brackets that this small amount of underpayment be removed from our history This matter on our side is clearly justified and understandable by the statements XXXX sent us and how we set up the auto payment to XXXX.
Our credit score is extremely important to us as we have always had the very best credit scores. Sometimes they are as high as 850. Now XXXX XXXX has ruined us for some time to come. We can not get a mortgage, buy another car, or anything requiring an excellent credit report. This has totally left us without the ability to carry on any financial business transaction, due to the score now showing XXXX or XXXX. That is 150 points off the earlier score we had before XXXX/Toyota now showing us " one payment missed '' on our credit history resulting in disaster.
Address of XXXX where correspondence has been sent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX
|
| 12/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I lease a car through Toyota Financial Services, and have made payments consistently for the past 36 months. When I extended my lease, I failed to receive a statement for one month and subsequently was overdue on a payment by almost 30 days on my lease. However, that issue is resolved. I paid my entire balance before the 30 day marker. This complaint is in regards to my interactions with Toyota Financial Services employees, specifically upper-level management personnel : XXXX XXXX, XXXX, Collections Department XXXX XXXX. XXXX, Customer Loyalty Department During our conversation, both persons stated " Under Federal Law, we are legally obligated to report your delinquent account to a collection agency 30 days after your past due date, pursuant to the Fair Credit Reporting Act ( " FCRA '' ). '' I asked both individuals to reference where in the statute they are obligated to report my account after 30 days. XXXX XXXX 's stated he did not have that information. XXXX XXXX. XXXX, however, insisted FCRA required this and put me hold several times trying to provide the codified section to me. Ultimately, she did not provide me with any citation to show how their financial company was legally obligated under FCRA to report my account after 30 days. However, she still insisted they were obligated under FCRA to report 30 days after the due date, and FCRA prevented their company from reporting my company after the 30 day period.
So this issue is n't whether they can report at 30 days, but whether, FCRA requires a strict 30 day reporting period ... so that reporting 33 days, or 35 days, or 40 days, is prohibited by FCRA.
This, is an issue in itself. If personnel at large financial companies are given permission to tell customers the legal obligations they are held to, then they should have enough information and expertise to accurately inform the consumer on these legal issues. It was clear neither XXXX XXXX or XXXX XXXX had any knowledge of FCRA or Federal consumer law in general. While XXXX XXXX said he did not have that information, XXXX actually made an attempt to look at FCRA and point to what law she and XXXX XXXX were referring to.
Consumers with hardly any legal knowledge are susceptible to managers such a XXXX and XXXX XXXX, who impose federal legal standards to support their position and intimidate the consumer. This is a practice is ripe for abuse, as here, managers may provide false legal information.
Pursuant to the Fair Credit Reporting Act 623a ( 5 ) ( A ) ... ( codified as 15 U.S.C.S. 1681s-2a ( 5 ) ( A ) ) ... '' A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' A plain reading of this statute shows that FCRA requires creditors to report a delinquent account within 90 days of the date of delinquency, not 30. So Toyota Financial services would not be violating any federal law if they waited 3-5 days after my date of delinquency to report my account to a credit agency. Thus, when XXXX XXXX and XXXX XXXX state they were obligated under FCRA to report my delinquent account approximately 30 days after the date of delinquency ... this is a false statement of law.
Toyota Financial Services has upper-level management furnishing false statements of law to consumers in order to support their position and intimidate the consumer.
I know that Toyota may have its own policies that enforce such a timeline, and such policies may be in compliance with other FCRA provisions, yet a definitive statement that uses a federal statute to support its conclusion should be as accurate as possible, and should be delivered by someone with the proper knowledge to make confident statements of law.
It 's also possible my interpretation of the law is inaccurate, and I told XXXX and XXXX that, yet I asked them to direct me to the relevant provision to support their conclusions, which they were unable to do. Yet my experience is indicative of a larger theme : large financial companies, and upper-level management, are making false statements of law to consumers, which intimidates the consumer and gives the impression to the consumer they they have no legal ground to oppose a practice they see as unfair or wrong.
So when a large financial company states they are obligated under law to do something, it 's prudent that they actually are obligated by law ... and not making such statements simply to intimidate the consumer or dissuade them from some course of action.
Thank you for your time. I hope this issue is addressed.
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| 10/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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Web |
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On Saturday, XXXX the XXXX I went into XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, to inquire about trading in my XXXX XXXX XXXX. I spoke with the salesman XXXX and advised him why I was looking to trade in the vehicle. After hearing my reason he advised me he would be more then happy to help and thinks they can make something work. We sat at his desk and he advised me the only vehicle he had that would work for the trade would be a XXXX XXXX XXXX. I was not presented the vehicle but I advised him that was fine. He then advised me " Ok I will be back, let me see what I can do ''.
About 30 minutes later he returned and advised me they can do the trade at about XXXX . I advised him that was fine and he began to work on the credit application. He did not verify any information but my income which I advised was XXXX $ a month. He went back to completing the application and did not return for a while.
2 hours later he asked me to follow him into the office of XXXX the finance manager who I thought was going to verify my information before submitting my application to the bank. Upon entering his office I was not briefed on the application, I was not shown any of the information that was being submitted, I was only asked to verify and sign that my name, address, and social security number were correct.
I waited an hour to get my new vehicle and was sent on my way. They advised me they did not have paperwork ready because banks were closed and was told to return later in the week to pick them up.
On Wednesday, XXXX the XXXX I was advised my paperwork was ready so I went back in to pick it up. XXXX escorted me to his office and stated I needed to resign the contract because the bank changed the terms to a lower interest rate but that it was mandatory to take gap insurance which would be an additional charge. The monthly payment increased from XXXX $ to XXXX $ and at this point I was not wanting to take the vehicle anymore. XXXX advised me that since I signed the first time I was required to take the deal. With no other options provided I was forced to sign the new contract and left with no paperwork again.
It would take them almost 3 weeks to give me paperwork on the deal. Once received and reviewed I realized the loan to value of the vehicle did not make sense and that the full warranty was added to the vehicle. I decided to call the bank, Toyota financial and see how they were able to complete this kind of deal if every other bank denied it. Thats where I found out that they altered my information on my credit application and submitted false information to get me approved. I advised the bank on the correct information and advised them I had no part in submitting false information. They advised me they will get in contact with the dealer and that they would contact me. I never received a call from the dealer so I decided to call myself. I escalated the call to the finance departments head manager XXXX. XXXX advised me that there was nothing that could be done until I went into the office but that they would work with me to fix the issue.
I went into the office on Saturday, XX/XX/XXXX to see what it was that happened with my deal. I spoke with XXXX who listened to the situation listed above. I advised XXXX that his salesmen lied on the application to get me approved. XXXX stated he apologizes because he was the one who submitted my application and can admit he did not verify the information because ( and I quote ) " He did not think he had to babysit and adult man ''. I advised again that what was done was bank fraud and would have preferred the bank deny me. He then advised me he was trying to be the good guy by doing everything he could to get me approved. I advised him what was done was illegal and I did not want to take the deal once the terms were changed. He replied that XXXX was not correct with what he said and I could have walked away. He began to advise me that my deal was denied even after changing and falsifying my information so he had to ask the bank to " do him a favor ''.
I again advised him that I would've rather gotten denied because what he committed was bank fraud and I did not want to be apart of it nor take the deal once the terms changed. He began to advise me that we are past all of the fraud and that the deal is done. I advised I will be contacting the FTC and attorney general. He then tried to change the topic by telling me he would sweeten the deal and get me in another car. He began to show me deals he could " make happen '' but that he would not take away any negative equity on the vehicle I already had. I did not like anything that was going on so I decided to leave and again advised I will be contacting the FTC and attorney general regarding this situation.
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| 12/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XX/XX/XXXX, my wife and I was 30 days late on our payments with Toyota. My wife had lost her job and could not keep up with the payments. Once we were notified of the late payment, we immediately got up to date and I took over the payments.
After 6 months - 8 months of on-time payments, I wrote a goodwill letter to remove the 30 day late payment because my wife and I were looking into buying a home and wanted to get the best deals and rates. Toyota refused to assist with this.
After a year of payments ( all in good standings XXXX, my wife and I got into an accident which resulted in a total loss of our XXXX XXXX XX/XX/XXXX ). Our insurance paid the total loss amount for the XXXX XXXX and we received mail from Toyota stating that our Toyota account was closed. In XXXX, I called Toyota to see when the account will be closed on my credit report, because I was excited to see an increase on my report from the account being " paid off by insurance '' and closed -- since we were in the process of buying a home. Toyota told me that my account it still open with the total loss department and they did not know why I received communication of it being closed. A couple of days later, I called Toyota Financial Services again to see if they would remove the 30 day late payment, since the account has been paid on time and since it is closed or going to be closed, the agent asked me to write a letter with all of the details in it and they will look into it and get back to me. Toyota sent a letter back 3 weeks later, stating that they will remove the negative mark. This was tough for me because Toyota is the only negative mark on my report.
On XX/XX/XXXX, I received a letter from Toyota Financial Services, stating that the account has been closed and paid off by insurance, and that they sending a payment to my financial institution on my behalf. A month later, my credit report on Experian updates and my credit score decreased by XXXX points ( XXXX to XXXX XXXX.
On XXXX : The account has been closed, but closed with a {$2000.00} balance with a status of " Current, was past due 30 days. '' Also, on my Experian report, It states that I have a serious delinquency ( 60 days past or greater ) on my report and that I recently missed a payment of had a derogatory indicator on my report.
On XXXX : My credit score dropped from a XXXX to a XXXX.
The account has been closed, but closed with a {$2000.00} balance with a status of " Paid or paying as agreed. '' Also on my Transunion report, it states that I have a serious delinquency ( 60 days past or greater ) on my report and that I have a recent missed payment on the account -- 1 month ago.
On XXXX : My credit score is a XXXX -- Did not change.
The account has been closed, but closed with a {$200.00} balance but with a status of " Pays account as agreed '' and comments stating lease-early termination.
I have disputed this account and Toyota has yet again done nothing and stated that everything is correct, which is not true. The account is closed, and paid off by insurance from a total loss claim, so it should have a zero balance. We have never been 60 days or more late and the account has been in good standings for XXXX months. There are lots of discrepancies with the reporting from Toyota Financial Services.
Discrepancies : Status should be changed to " Paid in Full '' to all credit reporting agencies.
Comments to say : Insurance Loss/Insurance Paid or Paid in Full or Early Lease Termination Balance should be changed to {$0.00}.
Account has been in good standings for XXXX months, no recent late payments and can be seen from payment history.
Toyota has completely destroyed my wife and my chance to getting a home this year, if this is not fix we will have to take steps back and work on the damages Toyota has made on our reports. I have written two goodwill letters, one when the account was still open, one when the account was closed, I have called Toyota several times asking about my account, if it was closed, if it was paid off, also asked them for assistance on making sure it was reported correctly to the agencies, I have disputed the account. I just do not know what to do anymore.
Reading on the internet, there are others who have gone through the same situation with Toyota Financial Services and have rated the company terribly -- If I would have known this is what this company does to its customers, I would have never got involved with them. I am only XXXX of many who are going through this. I just ask Toyota to look back into their reporting and make the necessary changes to ensure the account is closed, in good standing so it does not negatively impact our scores so we can qualify for obtaining best rates for dream home.
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| 04/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My purpose is to formally dispute a billing mistake from Toyota Financial, which has negatively impacted my life-long clean credit history and high XXXX credit score. On XX/XX/XXXX, I paid off the outstanding balance of on my XXXX XXXX. Records indicate that on the following bills, for XX/XX/XXXX and XX/XX/XXXX my outstanding balance was still {$0.00}. I contacted Toyota Financial on XX/XX/XXXX via my online portal to inquire about my vehicles Title/Pink Slip , which I had not received from Toyota Financial or the Department of Motor Vehicles ( DMV ). I received a reply from Toyota Financial via my online portal and via email, that it could take up to four weeks to receive this document from the state. I was even congratulated, by Toyota Financial, in writing, for paying off my vehicle! On XX/XX/XXXX I contacted Toyota Financial Services via phone to inquire about my Title/Pink Slip , again, before contacting the DMV. I was informed by an agent that due to the high volume of requests sometimes these processes took longer than expected and I should be receiving my vehicles title in the mail soon. So, as a loyal customer, I waited.
Based on my recurring credit report information from XXXX and my XXXX score report via XXXX XXXX on XX/XX/XXXX, I was shocked to see that I was at 98 % completion of my Toyota Financial loan payoff. To my surprise, I was also considered DELINQUENT by this acreditor! I checked my Toyota Financial online portal to see any recent updates on my account. I still saw a {$0.00} outstanding balance ; so, I automatically contacted Toyota Financial. I was more shocked when I realized I had been blocked from all direct contact with Toyota Financial and was forwarded to their collections department. I spoke to a female agent who seemed perplexed with the explanation of my situation, since she also saw a {$0.00} outstanding balance on my account. After a long wait over the phone, she informed me of finding an ambiguous fee on her system ; it was a balance of {$0.00} on my account. I asked about this charge and she could not provide me with feedback ; however, she offered to waive this fee of XXXX XXXX. I agreed and asked her to transfer me to a manager or supervisor. I wanted to explain this incident and to formally file a complaint. I wanted to see how we could further proceed with this unexplainable mistake from Toyota Financial. I had a gut feeling that it would affect my life-long clean credit history and high XXXX credit score, negatively. The male manager I was forwarded to was rude and unempathetic. I asked if I could formally place a complaint based on this unfortunate experience and he had me repeat the same details multiple times. He confirmed that the waived fee was not promised ; so, I offered to pay {$0.00}. First, he shared he could not take a miniscule payment of this amount because the system would not allow it. So, I was sent to collection for a MINISCULE and AMBIGUOUS outstanding balance of XXXX XXXX ; however, Toyota Financial will not take a payment for this amount?! This is simply RIDICULOUS of this innovative corporation. I was a loyal customer, believed, and spoke highly of their services until this unfair and frustrating experience. Then, the same male manager stated that I must pay a minimum of {$10.00} to proceed, which I automatically refused! I did not want to become liable for this higher amount on formal documentation anywhere ; so I denied and requested a different solution. After an hour on the phone, he found another provider to make the money transfer and I paid a total of {$1.00} on my debit card, to cover the {$0.00} fee that I was sent to the collections department for.
On XX/XX/XXXX, I contacted Toyota Financial and filed a formal dispute over the phone because, as I expected, due to this inconvenience from their corporation, my life-long clean credit history and high XXXX credit score has been significantly impacted! I would like to know how Toyota Financial can remediate this inexplicable error which has negatively affected the financial responsibility I have held my entire life. To this day, I still do not know why that {$0.00} fee was charged on my account ; especially, why I was sent to the COLLECTIONS AND DELINQUENCY DEPARTMENT. I have received a letter from a life-long valued accreditor, which I have been customer, that my credit line has decreased due to delinquency with one of my acreditors. Unbelievable, Toyota Financial! Nonetheless, my current home-buying plan will have to be postponed due to my credit score lowering significantly because of this insane and unfair mistake from their team. My current vehicle upgrade plan, through their corporation, will also have to be canceled after this negative experience.
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| 01/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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On Wednesday XX/XX/XXXX Toyota picked up my Toyota Sienna in front of my house with no notification. I called Toyota to report it missing and that was when the agent informed me that it had been taken by them. I asked the agent why I was not notified prior by certified mail about the van going to be picked up and the agent said that a letter was sent in XX/XX/XXXX and I informed the agent that I did n't receive any such notice from Toyota. I asked the agent why it was not mailed certified to ensure there was proof and receipt I received it. The AGENT SAID TOYOTA DOES NOT SEND NOTICES CERTIFIED MAIL. However on Saturday XX/XX/XXXX I RECEIVED A LETTER FROM TOYOTA POSTMARKED ON XX/XX/XXXX STATING THAT THE VAN WAS GOING TO BE SOLD AND ALSO PROVIDED INFO ON HOW TO GET IT BACK. But the agent had told me 3 days prior that Toyota does not send certified notice but then they did after they took the van. THIS IS DECEPTIVE PRACTICE. Toyota never sent me a repossession notice prior to repossessing the van. I was going to pay my account in full on XX/XX/XXXX after I got paid but Toyota took the van 2 days prior. Also the only thing I had received from Toyota in XX/XX/XXXX was a bill statement stating I had till XX/XX/XXXX to pay my amount due and the payment I was going to make on the XX/XX/XXXX would have brought my account up to date. I requested to speak to higher management and every time the agents refused to transfer me to higher management on XX/XX/XXXX and XX/XX/XXXX. I then had requested to speak to Resolution Department on XX/XX/XXXX and the lady I spoke to XXXX was very rude, condescending to me and kept talking over me instead of listening to me and kept saying, " Why did n't you contact us before the van was repossessed? '' I explained to her I had no idea it was getting repossessed, because I would have called and made arrangements as I was planning on paying my amount due on XX/XX/XXXX after getting paid but she did not like my response and just kept asking the same question over and over and then she said there was nothing she could do. I asked to speak to another higher manager or corporate and she refused to transfer me and I kept insisting then she gave me a fax number to the Redemption Center for Toyota and I kept insisting to talk to someone higher and she was upset and said there was no one else to speak to which is a lie because there are bosses she answers to also and other people in the Corporate office but she just seemed like she did not want to help me or do her job. Then she said the only way was to pay my current amount due {$2300.00}, the {$480.00} repossession fee to Toyota plus a redemption fee of {$75.00} and a {$10.00} per day storage fee to the company holding the van. I asked why all of these are not on the loan agreement I have with Toyota and she rudely interrupted me and said that 's just the way it is. I also spoke to another male agent on XX/XX/XXXX about the same issue and he said that they are required to collect the repossession fee but I asked him to look at my contract about any such fee and he did for about 10 mins and said it does not state it on my contract but I am still required to pay it. He said Toyota made an agreement with the XXXX XXXX XXXX for them to charge Toyota repossession fee but that " Toyota is not going to eat the cost, '' and I have to pay it but I kept asking why I was NEVER NOTIFIED of the upcoming repossession and also told the agent that it is very unfair that Toyota made an agreement or contract with United Auto Recovery but make the customer responsible for the cost. That is very unfair and unjust, because the contract is between them and not between them and the consumer. After speaking to about 4 agents none of them can show me any info about where the consumer is responsible for all the fees they are charging with XXXX XXXX XXXX. PLUS TOYOTA NEVER SENT ME A REPOSSESSION NOTICE VIA MAIL. If it had been sent and I received it, I would have acted upon it immediately and about 2 weeks prior to the van been picked up by them, they sent just a bill stating the current amount owed had to be paid by XX/XX/XXXX but the bill did not mention anything about the van getting picked up on XX/XX/XXXX because of any non payment. I need Toyota to remove the repossession fees and the redemption fees because of their lack of proper notification to me about the upcoming repossession of the van and I asked all the agents i spoke to about the proof of receipt to me of the notice they claimed they sent in XX/XX/XXXX and they said they do n't have proof I received it or saw it but are adamant I have to pay them all these extra fees for their messing up and it is unfair and unjust.
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| 06/16/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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|
Web |
Servicemember |
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I am disputing a final amount owed of {$300.00} with Toyota Motor Credit. The included documents prove this. Recently, TMC reported me to a collection agency for this frivolous amount of {$300.00} without explanation or details and this is 2 years after the return of the leased car. I addressed the collection agency they hired, XXXX XXXX XXXX, and asked for any and all information regarding the breakdown of charges and or validity of this amount. XXXX dropped their claim and no longer contacts me.
I have addressed Toyota Motor Credit directly by phone and in writing and they did not provide evidence nor responded to my request for a detailed breakdown of this {$300.00} debt. They ignored my request to provide anything I signed in writing, an agreement, or even the original contract of the lease that would detail this as evident. My last request to Toyota Motor Credit was XX/XX/XXXX via certified mail, 3 months ago, and still no response.
Toyota has not only ignored my requests for details but can not seem to get their own details accurate as the have haphazardly and inaccurately reported the account as open, then closed, then open again, also not reporting the last payments received correctly and their dates and amounts have differed as well across all 3 major credit bureaus. I also addressed this with XXXX, XXXX, and XXXX and they only responded with the debt as being verified or once again, updated the date of last payment but not the accurate amount. Per the Fair Debt Collection Practices Act, I have the right to have my credit reported with 100 % accuracy or have it removed. I have provided more then enough evidence to them and here that there is NO AMOUNT OWED, and Toyota Motor Credit actually still owes me for credits and refunds never received on their optional insurance products per their own contract for early termination on Line # 38 of the contract. This document and my actual bank statements have been included here. The last certified communication with Toyota Motor Credit requesting resolution of their reported inaccuracies and my dispute is also included.
This is fraudulent behavior and poor business practices of simply bullying the small guy with enough harassment in hopes of getting more money then they are owed. It is abusive towards a customer with proven credit worthiness and one that kept excellent payment histories as seen by my ALL of my credit records across the board.
See Proof from the following documents : Amount Disputed {$300.00} with TOYOTA MOTOR CREDIT Acct # XXXX XXXX Customer disputes : NO REMAINING BALANCE OWED Attached Toyota Contract Lease Date XX/XX/XXXX included here.
See Line # 3. And Line # 8 ( Amount Due at Signing ) PAID {$1900.00} See Line # 4 Your First monthly payment of {$460.00} followed by 35 payments of {$460.00} due on the XXXX of each month.
The total of your Monthly payments is {$16000.00} Line # 5 OTHER CHARGES ( not part of your Monthly payment ) Disposition fee ( if you do not purchase the Vehicle ) PAID {$350.00} which is included in total seen on line # 6 Line # 6 Total of Payments ( Amount you will have paid by the end of the Lease ) ACTUAL AMOUNT OWED {$18000.00} CUSTOMER PROOF THAT DEBT was PAID IN FULL Attached Contract XX/XX/XXXX shows Trade-In and initial payment PAID at closing {$1900.00} ACTUAL BANK STATEMENTS with 37 timely payments PAID + {$17000.00} ACTUAL AMOUNT PAID {$19000.00} SIDE NOTE : I returned the Leased Car in excellent condition per the report and inspection with no overage in miles or bodywork. It was professionally detailed the day before I returned it. No cleaning fees needed.
Toyota Contract : See Line # 38 ( No credit ever received ) ( Minus any credits /refunds for early termination on Optional insurance or other Products ) Extended Warranty and GAP Insurance was supposed to be prorated and refunded for the remaining end of lease per Internet XXXX XXXX XXXX XXXX XXXX Family Toyota. The amount was to be determined by that department.
Discussions regarding this credit/refund were documented as follows after the Date of return per my records and phone logs to XXXX XXXX XXXX XXXX at XXXX and his Cell XXXX XX/XX/XXXX at XXXX am XX/XX/XXXX at XXXX pm XX/XX/XXXX at XXXX am ending with everything is done you should be getting that check in the mail from that GAP Insurance department.XXXX XXXXu XXXX XXXX XX/XX/XXXX at XXXX am XX/XX/XXXX at XXXX am XX/XX/XXXX at XXXX am XX/XX/XXXX at XXXX am NO CREDIT OR REFUND WAS EVER RECEIVED and Toyota still owes me this.
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| 04/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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|
Web |
Servicemember |
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Please accept this letter as my formal request for support with Toyota Financials investigation into a credit dispute. They have demonstrated a lack of communication and their process for credit disputes is unclear. I lack confidence that they will address this manner.
I set up the autopay for my account via telephone in XXXX of XXXX. Since that date I have made all of my payments on time, even through a pandemic when many people were unable to make payments. On or about XXXX of XXXX, the autopay on my account stopped when my lease matured. I did not receive any form of communication from Toyota Financial that my autopay was being stopped nor that my account had matured. There was no written letter, no email, and no telephone call placed to inform me that the autopay had been stopped.
On XX/XX/XXXX I received a phone call from a representative at Toyota Financial. She explained to me that my contract was up and asked me what my intentions were with the car. I explained to her that I wanted to buy out the car and she then explained to me the process. During this conversation with XXXX, she did not do any of the following : ( 1 ) XXXX did not verify my address. You will read later on in this letter that in a later call it is revealed that Toyota Financial had a two year old address of mine which was updated via telephone call in XXXX. ( 2 ) XXXX did not inform me that my account was delinquent. She did not ask me for payment and she did not tell me that in one day credit markers will be sent to the credit bureaus.
Within the next week I started the process of securing a car loan and was informed that my score would not qualify me for good rates because my Toyota Financial account was delinquent since I owed two payments. Confused, I called Toyota Financial on XX/XX/XXXX. I spoke to a representative who explained that my autopay was canceled because my lease had matured. I explained to her that I never received any communication until XX/XX/XXXX when I was contacted about returning my car. I explained to her that the representative, XXXX, did not ask me for any payment nor did she explain that I owed two payments. This representative verified my address which was incorrect even though I updated it two years ago in XXXX. This representative also helped me process a dispute with Toyota Financial and directed me to process disputes with the different credit bureaus. She advised me to wait 30 days for the dispute to be reviewed so that I could then buy out my car. During this call I also immediately paid the money that was owed.
On XX/XX/XXXX I missed a call from Toyota Financial. I immediately returned the call and spoke to a representative who explained to me that a notice of repossession could be placed on my account and that my car would be taken from me if I did not either return the car or buy it out. She explained that my lease matured for more than 60 days. I explained to her that in a previous call I started the dispute process and was advised to wait 30 days for the decision to be made. She explained to me that the dispute would not be reviewed unless I wrote a letter to the Credit Dispute Research Team. This was not something I was informed of when I spoke to someone on XX/XX/XXXX and started the dispute. She pressured me once again to tell her my intentions with the car. I, once again, explained that my credit had taken a serious hit since the autopay was canceled by Toyota Financial. She insisted that I still had to make a decision. I informed her that I would try to get a loan over the week of XX/XX/XXXX through XX/XX/XXXX.
It was proven to be really difficult to secure a loan with the credit score drop. It is very unfair of Toyota Financial to treat a customer in this manner, especially a customer that has paid faithfully every single month for nearly four years. During the time that the payments were due, I did not receive any phone calls, letters, emails from Toyota Financial attempting to collect their debt. There was no communication either informing me that the debt would be reported to credit bureaus as delinquent. As a loyal customer, I was not given any opportunity to mend the missed payments prior to them being reported to the credit bureaus. I only discovered that these payments were late because I attempted to get an auto loan from my Credit Union. As someone who prior to this had not missed a payment, it is evident that I would have corrected this immediately as I did once I knew that the payments were late.
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| 03/29/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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After purchasing a XXXX XXXX from XXXX XXXX ( Toyota Motor Credit Corp ) early XX/XX/XXXX, in good standing. I decided to lease a XXXX XXXX from XXXX/TMCC. On XX/XX/XXXX, I began discussing this with the Finance Manager and XXXX At XXXX, discovering that they had to correct some incorrect reporting to the 4 credit agencies during, the month for XX/XX/XXXX. During this process XXXX XXXX ( emails ), stating that it would be taken care of, it wasn't. After several exchanges with both XXXX and XXXX they removed it, little did I know that it had already effected my lease payment, considerably. The payment increased substantially to $ XXXX/month. I was told that I was already committed and had to now be in this lease.
After lots of oil changes, and what I know now was unnecessary repairs ; due to the excessive defect in both cars ( Warranty Enhancement Notification XXXX ) I began to have issues with the car XXXX that should NOT have been taking place.
As a result on XX/XX/XXXX, I had to bring the car in because the seats literally started coming apart at the seams # Invoice XXXX, service adviser, XXXX XXXX. I asked him why it was happening when I have detailed the car annually since I took possession of it. XXXX XXXX explained that the recommended care for the leather is annually and told me it was defective and that they would have it replaced. TMCC sublet to XXXX 's XXXX to replace the leather, which resulted in me having to be in a loaner car for about a month.
After several recalls for this expensive vehicle I was asked to bring the car in for and additional recall XX/XX/XXXX. I was beginning to spend more time at the dealership than anywhere else, while paying double than what they were advertising my vehicle for so I decided to voluntarily surrender this vehicle that day. I handed over the 2 keys, to XXXX XXXX, Sales Manager and asked for a copy of the Voluntary Surrender Document. ( can provide upon request ) TMCC reported a debit owed of {$2100.00}, which was gross exaggeration of what I owed, upon ending this agreement : {$1100.00} - {$900.00} of it, they charged me for repossession, towing, storage, and detailing ; none of which was needed because I physically brought, the car to them, as well as having the car detailed just a few month prior to me turning it in. They also reported this transaction as a as a repossession ( which it wasnt, it was voluntarily surrendered ) and also charged me for several things that I was not financially responsible for, because they didnt happen.
They sent this fraudulent debt to me, where I disputed the amount. I was threated and harassed by TMCC. I old them that I would pay the amount I owed, but not the exaggerated amounts they added. They refused and said that they would ruin my credit. Subsequently they also contracted 4 different agencies to collect this debt over the course of the last 6 years : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX, Inc XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX Each time I was contacted, by one of these companies, I sent the same breakdown of expense and my documentation, and each agency opted to discontinue pursuit of collection. ( I have each corresponded letter should I need to send this to you. Working in XXXX XXXX, this type of thing on my credit report prevented me from being employed, and has created a huge disadvantage for me even getting a new car, loan or credit for that matter. I simply DO NOT owe that amount. Both vehicles that I acquired from this dealership were defective when they were manufactured. I did not feel it was fair to charge me for things that never occurred. The car was ultimately sold for $ XXXX On XX/XX/XXXX I was sent form XXXX from Toyota Motor Credit Corporation, where I had to include this amount as income. However they are still reporting me as owing this amount on my credit report. According to the notice they have discharged ( canceled or forgiven ) this debt. They know I didnt owe this amount and wasnt going to give them more money after they overcharged me for 5 years. I paid off the purchase of the XXXX, even though that was defective and they are still reporting this fraudulent amount.
I am able to provide supporting documentation for all of this if need be, and am just looking to be done with what I thought was completed back in XX/XX/XXXX. Any assistance you can provide would be greatly appreciated. It hs been 6 years please help?
|
| 08/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American |
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XX/XX/XXXX Began discussion with the salesperson, XXXX XXXX XXXX to purchase a XXXX XXXX XXXX. I had selected the XXXX XXXX XXXX XXXX XXXX which included the additional premium paint color charge of {$590.00}. Additionally selected options included the all-weather floor mats. I was provided a dealer worksheet that summarized cost to acknowledge the purchase agreement ( Attachment A ). To have a clear understanding of the vehicle cost details I immediately requested a copy of the vehicle window sticker ( Attachment B ). I quested the additional optional charges of {$50.00} for the cargo blocks and {$620.00} for the Destination Set. I was told the Destination Set was the manufactures required delivery fee and the cargo blocks were part of the package. I stated that I understood the delivery fee requirement and the {$50.00} charge was nominal so it not a concern. I provided the required deposit for the dealer to locate the requested vehicle in inventory. I was notified the next day that identified vehicle meeting the specification was available at the dealership and provided a buyers order to submit to my credit union.
XX/XX/XXXX While doing a final review of the window invoice and looking at the Mazda website for the vehicle options I noticed there was an item call a destination set for {$620.00}. This item included a retractable cargo cover, cargo net, first aid kit and cargo blocks. The cost of these items was also separately noted as follows.
Retractable cargo cover {$270.00} Cargo Net {$60.00} First Aid Kit {$45.00} Cargo Blocks {$50.00} I also noted that the window sticker detail already included a delivery and processing fee of {$1300.00}.
XX/XX/XXXX I called XXXX XXXX to confirm the receipt of the overnight check and stated again that I was not satisfied with the charge and explanation for the {$620.00}. He stated that it was as he had explained and that there was nothing, he could do about it. I told him we would talk further when I came in to finalize the sale.
I called the Mazda Customer Experience line at XXXX to get clarification on the difference between the description of the delivery charge and the destination set. The representative pulled the invoice based on the VIN number and provided the same explanation as the dealership for the destination set as the manufacturer delivery fee. I requested that she google the option descriptions on the Mazda website and explained to me why these terms were being used interchangeably when there is a clear distinction. After several minutes the representative said that she could see what I was questioning and said she need to contact the dealership directly. After several minutes on hold she returned and stated that the dealership had misspoke in their explanation of the description of the delivery set but maintained that because it was on the sticker there was no option to remove the charge. The only solution the representative offered on behalf of the dealership was for me to wait and have the dealership look for another vehicle that did not have these removal items placed in the car. This was not expectable or manageable option for me based on the timeline of my loan approval and personal urgency to have a vehicle to manage XXXX treatment appointments. When I returned to complete my purchase the only explanation the manager continues to provide was the justification that the charge was on the sticker. I questioned this from the start and continued to be provided with incorrect or misleading information. It is at the dealers choice to manage these optional items however I feel the unfair deceptive practices is their business model.
In addition to this questionable experience, I also noted that I was charged {$520.00} for the all-weather floor mats which are priced at {$240.00}. Another concern was the add on of luggage racks ( Silver Crossbars ) to my vehicle upon delivery which I did not request but again I was told these were part of the package. I dont see a clear separate charge ; however, it is listed as an optional item of the website priced at {$400.00}. I returned a week later and had the racks removed as I did not want them or request them. The racks are now stored in my garage.
I would like to return these items and receive a full refund of {$670.00} for the Destination Set and Cargo Blocks as well as any related hidden charges or overage charges for the all-weather floor mats and luggage racks.
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| 08/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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On XX/XX/XXXX I went to Toyota of XXXX XXXX to complete my purchase for a used XXXX XXXX XXXX. I had already informed the XXXX XXXX, the salesman, that I was aiming for low monthly payments, and I was adamant about the fact that I DID NOT want extended warranty and texted XXXX to tell him to have it removed. We added my mother as a cosigner for the loan to get the best rate possible, and we put {$13000.00} for the down payment. To complete the purchase, my mother and I both sat down with XXXX XXXX in her finance office to finalize our loan. When XXXX XXXX showed us the paperwork that were signing, she told us our monthly payments would be {$360.00}, which I immediately thought was too high for the amount that we had put for a down payment. I saw right away that they had included the extended warranty in the purchase, I told her that I didn't want the extended warranty and to remove it. She proceeded to try to convince me to keep the extended warranty by explaining the benefits, but I did not care for it and continued to ask her how much our monthly payments would be without the extended warranty. I had asked several times how much our monthly payment would be without the extended warranty but she kept dodging the question and refused to give me answer. Eventually, XXXX XXXX realized that I was not going to take the extended warranty as part of the purchase, and she finally said to both my mom and I, " Here what I will do for you, without the extended warranty the monthly payment would be {$320.00}, but I'll let you keep the extended warranty and I will lower your monthly payments to {$310.00}. '' After hearing this, my mom and I both agreed to the lower monthly payments of {$310.00} because that was an amount that was in the range I was aiming for. It also was a no brainer for me to take the deal because I'm not losing anything and I got a lower monthly payment. She then proceeded to give us paperwork to sign which, my mother and I did both sign. We were also instructed to provide a bunch of signatures on a digital pad, where we DID NOT see the paperwork for those signatures. We signed because we had taken XXXX XXXX word that the XXXX XXXX monthly payments is what we were going to get. After finalizing the loan agreement, which important portions of the agreement were never shown to us, the salesman XXXX XXXX proceeded to walk me to my car, handed over my keys, placed a dmv sticker on the vehicles front window and had placed the paperwork for the loan documents and sale in the glove compartment. Less than a month later, my mother received the first monthly bill for the used XXXX XXXX that I had just bought and she was shocked to see that the monthly payment was for {$360.00}. She called me immediately and asked me why our monthly payment is {$360.00}, and we both confirmed with each other that we definitely heard XXXX XXXX say our monthly payments would be {$310.00}. I immediately went back to the dealership and sat down with XXXX XXXX and told her that our bill is not what we had agreed on. I told her that she said she would lower our monthly payments to {$310.00}, and immediately she refuted ever saying that, and claimed that she would never say that. I told her that I would never have accepted the extended warranty if it wasn't for the lower monthly payment, and she simply said to me that we had signed everything and that everything was on the loan documents. This XXXX XXXX verbally lied to us and intentionally deceived us into completing the purchase, and signing loan documents that had different terms than what was verbally agreed to. She even used shady tactics to get us to unknowingly sign loan documents that had worse terms that what she verbally informed us of, by having us sign electronically on a pad without showing us the documents being signed on the pad. She is clearly employing malicious and unfair sales tactics in order to deceive buyers to sign agreements favor the dealership and/or people involved with the sale. My mother and I both can confirm that we heard XXXX XXXX tell us that our monthly payments would be {$310.00} ... certainly not the {$360.00} that we received. But I also have my text message communication with the car salesman XXXX XXXX, where I explicitly stated verbatim, " we don't want the extended warranty included in the purchase. '' To which XXXX replied okay. I have attached a screenshot in the supporting documents section.
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| 06/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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Below is what I filed with the Arizona Attorney Generals Office regarding the Dealer - XXXX Toyota. I am also part of a class action lawsuit against Toyota. Since this vehicle has not been driven for the past couple of months, can not be driven until repaired, can not be sold due to the recall, no timing on fixing from Toyota - I want to know if Toyota Financial, the captive finance company of Toyota, is going to defer loan payments and/or issue credit for decrease in vehicle value and non use of vehicle due to the defect. Also, notice the part of the complaint where I mention the {$440.00} charge when cancelling my extended warranty agreement. I mean they can't fix the car so I cancel this worthless warranty and am charged {$440.00}.
Primary Party or Firm Information Name : XXXX Toyota Address : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone : XXXX Email Address : XXXX Website Address : XXXX : XXXX Additional Parties No additional parties found. If you would like to add a party or firm, please press the previous button to go back to the Party or Firm Information page and then press the add button.
Complaint Please explain the entire circumstances surrounding your complaint below : Purchased a new XXXX XXXX in XXXX, XXXX. Purchased mainly for towing a trailer we purchased around the same time. We were notified a couple of month ago ( XXXX, XXXX ) that there is a recall due to a faulty fuel pump. If the car is driven, it can stall and become a dangerous problem. Our car has been driven little the past 2 months and is now garaged. We have been provided a loaner vehicle by XXXX that we picked up last week ( XX/XX/XXXX ). The defect was to be corrected 1'st week of XXXX but there is currently no timeline. I was thinking about getting rid of the car and buying something else but, due to the defect. I can not get a cash offer from XXXX XXXX XXXX to even determine what the value of the car is or how much it has been devalued. I can't get an answer from the Dealer and I can't get an answer from XXXX as to when repairs will be made. Vacation plans have been cancelled as we can not tow our trailer. XXXX tells me to contact the Manufacturer - Toyota ( have done so several times ) but I purchased the vehicle from XXXX - not from Toyota. This is a major problem in that I believe the vehicle may have been sold to me with this defect known. At time of sale, I was sold the car with a defective navigation system that did not work and the dealer did not make me aware of this. I believe there have been 2 million vehicles identified ( Toyota and Lexus ) in the recall and it goes back to vehicles manufactured several years ago that had a faulty fuel pump. If you look online there are numerous articles detailing the recall. I don't see how the dealer could not know about this particular defect at time of sale. If XXXX is selling any of these vehicles used ( from years prior to XXXX that are recalled ) they are selling vehicles that are known to have a defect that could create a serious accident. So in summary - I have not had a car for the past 2 months, I do not know when my car will be repaired, I believe that this was a known defect at time of sale, I do not have a vehicle that can tow so have had to cancel vacation plans, I am getting no information from XXXX or Toyota as to the status of the repair, I have a car that can not be sold and has lost value, I am continuing to make payment to Toyota Finance but plan to ask them if they are going to re-do the contract for diminished value and non-use created by defective manufacturing of Toyota. Final note - when I purchased the vehicle, I included prepaid maintenance for {$1500.00} and Extended Service Contract for {$4100.00}. Last week ( XX/XX/XXXX ), I cancelled both of these. Now understand that the maintenance and Service Contract benefits have not been used as this is all covered under the original warranties. I'm getting the $ 's back in total for the prepaid maintenance but am being shorted {$440.00} for the extended warranty that have never been used and would not be for a long time. The refund for that will be only {$3700.00}. So, the dealership can't fix my vehicle and then rips me off on items that were purchased but can not be used now for the defect and will not be used for years, if ever.
May we send a copy of this to the person or business you are complaining against?
Yes
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| 11/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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I recently received a copy of my XXXX, XXXX XXXX XXXX consumer report, and I noticed that TOYOTA FINANCIAL SERVICES is reporting my transactions and experiences. The law states that a consumer report EXCLUDES reporting transactions and Experiences. Toyota Financial is specifically reporting a late payment that is posted on my consumer report.
The late is reporting a 30 day late on my consumer report for XX/XX/2023.
Toyota Financial is in clear violation of the law.
Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The definition of Consumer is : ( c ) The term consumer means an individual.
The definition of person is : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( TOYOTA FINANCIAL SERVICES ) Making the report is NOT INCLUDED on my Consumer report!
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
Toyota Financial has VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Furthermore, pursuant to 15 USC 1681 S-2 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
PROHIBITION : a law or regulation forbidding something As outlined in 15 USC 1681a 2Ai Congress specifically says transaction or experiences with the Consumer ( me ) and the person ( Toyota Financial Services ) making the report is not included on my consumer report. Without a shadow of a doubt, you now know that the information you are reporting is in fact inaccurate.
Toyota Financial Services Ignorance of the law is no excuse!
15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is MY FINAL opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
Failure to respond satisfactorily with deletion of the above Transaction/Late Payments, will result in legal actions being taken against your company, for which I will also be seeking Actual Damages as a result of your failure to comply with the law and the sections of the Fair Credit Reporting Act for the following violations : 1. Any Actual Damages 2. Defamation of Character 3. Negligent Non Compliance 4. Civil Liability 5. Mental Anguish 6. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
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| 12/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My car was repossessed in 2021 and I had the loan reinstated and the vehicle was returned to me. When it came time to make the first payment after the reinstatement, I discovered I no longer had access to the XXXX XXXX XXXX to make payments and I could not make payments over the phone or at a dealer either. I tried to contact the department I had worked with to have the car reinstated but they were closed at the time. A day or two later when they were reopened I spoke to someone who told me that I would have had to send my payment into a special department via XXXX mail only and with a cashiers check only otherwise I wouldnt be able to pay. He told me since I was 1 day late at the time that I was no longer able to make payments at all and that Toyota just wanted the car back now instead. He also said that reinstatement only is possible in a couple of states and that basically I shouldnt have had the right to do it in the first place which is why there app is not setup to allow accounts that have been charged off to regain access to their manner in which they previously paid since for almost everyone else this is impossible and reinstatement is relatively uncommon in the couple of states where it is allowed. He said people who default on their loans arent typically able to afford the large payment required to get their car back and even if they can XXXX would rather just sell the car now that it was charged off anyway and they no longer could charge interest on the loan. He said that even though it was reinstated it was already charged off on their books and that it was no longer the same loan terms. As he mentioned, I no longer would be paying interest on the loan just the principle so whats the incentive to allow me to pay even less than before? he implied. He didnt seem to care that I only missed payments as a result of loss of business directly related to the pandemic either. He also refused to send me any written documentation about the changes in the manner in which I would be required to pay the loan after it a reinstatement or the other ways the loan had changed after reinstatement ( like interest was no longer being charged ) and said that no documentation existed to that effect. No reasonable person would know these new special terms and requirements or have any reason to believe a reinstated loan would be under different terms especially without notice given. It seems like Toyota intentionally failed to give me notice about these facts so as to prevent me from making a timely first payment which then would allow them to repossess the car again. It seems especially likely considering that used cars, in particular XXXX like my car ( a XXXX ), had unusually high resale value at the time due to the various factors like a computer chip shortage making new cars less available, the pandemic, record gas prices, record high used car sales prices, etc. that meant that Toyota would have more incentive to want to repossess the car instead of letting me resume making payments on the loan. I remember looking up the resale value of my car at the time and being surprised that it slightly exceeded the $ XXXX balance on the loan but selling my car wasnt an option and would have unfairly impacted me considering this is all the result of XXXX illegal scheme to prevent customers from paying and default reinstated loans. As a result of being prevented from being able to resume making payments, there is a collection account on my credit report for over {$22000.00} which has been preventing me from obtaining housing for months. I will have no other choice but to retain a consumer rights attorney to file a lawsuit for the harm that Toyota has caused me as a result of their scheme to prevent those whove been able to reinstate their loans from actually making a payment and therefore forcing the loan into permanent default since there is no longer an automatic legal right to reinstatement. I intend to seek declaratory relief to have to force Toyota to reinstate the loan and remove the wrongfully reported information from my credit report and the harm Ive suffered as a result of this information appearing on my credit report as it is the only thing preventing me from being to obtain housing.
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| 06/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I paid a total of {$3300.00} to Toyota Financial Services to reinstate my XXXX Toyota XXXX XXXX vehicle on XX/XX/XXXX. The same day that I used XXXX XXXX to send them a payment, I called their customer service department where they sent a release on the vehicle for me to pick up. I picked up the vehicle from XXXX New Jersey. Upon arriving back to Pennsylvania, I noticed once parked that there were not any inspection stickers on the vehicle. The same day I experienced electrical issues - the car would not start up once I parked and took my vehicle to XXXX XXXX Toyota in XXXX, PA to be serviced. Upon them fixing the electrical issues, I also had an inspection performed and picked up the vehicle on XX/XX/XXXX. At that time, I paid {$690.00} for the electrical issues and the inspection. On XX/XX/XXXX - I went back to have the issues on the inspection taken care of. I paid {$970.00} to XXXX XXXX XXXX in XXXX, PA for new tires and an oil change so I may receive my inspection stickers. Knowing that I could renew my registration online, I tried to do so and was notified that there was an issue as to why I could not renew my registration and I was directed to contact the XXXX. I went to renew my registration at XXXX XXXX in XXXX, PA where I was told there was an issue with my title. I was made aware that my title was not registered in the state of PA any more upon which I need to contact Toyota Financial Services to transfer over my title back into my name. At this time, I had paid for my inspection and the tires needed to meet inspection standards. The staff at XXXX XXXX suggested me to contact Toyota where I was told I needed to speak to the reinstatement department and transferred there by customer service. When I spoke with an agent from the reinstatement department, I was then told I did not have an account with them and to speak to customer service. This process went on for weeks from XX/XX/XXXX until the end of XX/XX/XXXX. I was constantly transferred between the two departments and the issue was not resolved. I was told that a manager would contact me within 72 hours and did not receive a call back. I would then call customer service again after 72 hours and be transferred again back and forth. At this point, I needed drive the vehicle to get to work and I was inconvenienced because I could not complete my application with XXXX or XXXX to generate more income due to my financial situation at the time and not being able to submit a valid registration and upload a photo of my inspection stickers. Ive tried for weeks and explained to the agents of Toyota Financial Services my situation that I needed them to transfer the title back into my name. I called customer service sometime at the end of XXXX and when I asked to speak with a manager in the customer service department, I was transferred to a Reinstatement Department manager who she then told me that I needed to speak with a customer service manager. I was given 2 tickets - one by the XXXX Police Department and one by XXXX Police Department for not having valid inspection stickers or a renewed registration. I have done everything on my part to try to resolve the issue. I reached out to the dealership XXXX in XXXX where I bought the vehicle from and their Financial Manager, XXXX, directed me to the Consumer Protection Bureau to submit a complain and also notified me that the reason the title was switched out of my name was because there was a processing sale on my vehicle when it was at the auction in XXXX New Jersey prior to my payment of {$3300.00} to reinstate the vehicle. The inconvenience has caused me to have severe financial issues being as though I could not generate additional income like I planned to keep up with my payments. On XX/XX/XXXX, the vehicle was repossessed and I am now told that I would have to pay the balance in full to keep the vehicle. If this issue had been resolved in the weeks that I have desperately contacted them to resolve the issue, I could have easily prevented my repossession by generating enough income to prevent my car from being repossessed again and would not be responsible to pay 2 tickets totaling up to {$400.00} because of a title issue I was not able to fix within my own power.
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| 03/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Servicemember |
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I currently own and finance a XXXX XXXX through XXXX. I have always made my payments on-time and have no delinquencies on the account.
I am XXXX XXXX XXXX and just received XXXX orders to XXXX XXXX. I must ship my vehicle to XXXX XXXX through a Government Contracted source. XXXX XXXX XXXX XXXX at the shipping port in XXXX XXXX, XXXX XXXX REQUIRES owners furnish an approval in writing allowing member to ship the vehicle to XXXX XXXX.
I started inquiring with Toyota Financial Services about obtaining an approval letter back in XX/XX/XXXX. Toyota Finanacial only has one customer service number available to consumers to get in touch with Customer Service. Agents take your call and constantly transfer you to different departments or revert you back into the automated queue system where you are picked up randomly by another agent with no inclination of you being placed on HOLD. After 4-5 phone calls ranging 30-60mins over a week, I was able to speak to someone in the correct department ( Resolutions/Escalations Department ) who can accurately address my issues. They require certain documents in order to verify, route, and approve my request. After many calls into TFS, I doscover that my reuqest with TFS is known as a " Consent to remove the vehicle from the U.S. ''. Personally, I thought an official copy of XXXX XXXX XXXX and proof of insurance would cover the requirements to get consent, seeing as XXXX is a XXXX territory. However they require a few more docuyments than that to route for approval, not a problem, I understand.
An agent in the resolution department tells me what documents are required in order to process my request and that ONLY a FAX number can be provided as a means to submit these documents to TFS. Due to the difficulties of calling the default customer service number and going through multiple agents and transfers to get to the right department, I requested any type of direct contact information to avoid long hold times when calling again. No direct numbers, direct emails, general emails, or other document upload options can be provided. The ONLY way I can talk to someone who can accurately address my request is by calling and being placed on hold for 30-45 minutes. I DO NOT exaggerate when I explain these wait times. Sometimes I am hung up on. When I call, I immediately ask for a supervisor or to speak with someone in the resolutions department. The agent is trying to diagnose and address my issue first, then follows to transfer me to at least 2 other people where I have to explain my situation again.
It is XX/XX/XXXX. I have faxed my required documents to the appropiate fax numbers they provided me at least 4 different times. I can never receive confirmation or get advised on the status of my reuqest unless I call. A different agent attempts to address my issue and requests for the same documents via fax. I recently discovered that there is an alternate solution to upload my documents because I have a registered account on the Toyota Financial website. The link on the website to do that when clicked on results in a website error, try again later. The lack of assistance and atttention given to current customers and consumers is grossly incompetent.
I am quickly approaching my official departure date to execute this XXXX XXXX XXXX XXXX and if I still haven't received an approval for me to take my vehicle to XXXX. My only other option after this is to obtain an auto loan from my current bank and completely payoff my financed loan with TFS, then obtain consent from my bank.
Abosolutely ridiculous.
The interface between customers and Toyota Financial customer service is the complete opposite of what it is supposed to uphold. It baffles me that in XXXX, a company as established as Toyota Motor Corportation lacks the ability to send/receive documents via email or via website portal and refuse provide direct contact numbers to specific departments to further assist the consumer. I have owned three Toyota Vehicles and will never do business with Toyota ever again after the ridiculous interaction I was forced to have and discover with their Customer Service. It destroys the reputation I personally held for Toyota. Never again.
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| 11/01/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Older American, Servicemember |
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In XX/XX/XXXX my father purchased a lease, a XXXX XXXX XXXX XXXX. Upon executing this lease, he/we were advised that ware and tare and credit life disability insurance would be included. Unfortunately, little over a year later health issues came up with my father and upon speaking with XXXX XXXX and XXXX Customer Experience and XXXX XXXX we were advised the insurance was not a part of the lease and asked if we were aware of a 2nd lease/contract. We were not aware. Then they looked into more of not having this credit life disability insurance. XXXX XXXX asked me to reach out to the dealership, XXXX Of XXXX XXXX. In Which I did. Month of trying to get to someone, I then called back XXXX Customer Experience which then a man named XXXX was the middle person and had someone from dealership call me, she had no idea what to do when I spoke to her. She advised the insurance is offered to all and is part of a contract. She stated she will look further into this as this was not her department. She emailed me and stated she tried to call and couldnt get ahold of anyone to reach out to sales dept. She didnt copy anyone or forward my info, so again I was left fighting for a response. I then called back XXXX Cust Experience who then advised case closed and that I need to speak with XXXX XXXX as they are whom payments are made too. I called and was told I would get call back. Few days went by a guy named XXXX XXXX from the dealership called, who was rude with the first call and call ended up disconnecting on me. Hour later he called again, and we again went over the info, he was brushing me off and stated I dont know who told we offer credit life disability insurance, we have never sold that here, never will. I was shocked as this was not indicated when my father was signing for this vehicle. So, I stated could not be, he argued with me and that was that. I then spoke with XXXX XXXX and Corp who advised ALL TOYOTA and XXXX dealership are to offer credit life disability insurance. I said they told me they never have and never will! They stated to get this writing, i did and emailed it over. Nothing happen with this. We keep getting the go around, going on 6 months now! We are told this issue is to be dealt with the dealership. Dealership doesnt comply nor returns calls etc. Dealership wont deal with you unless they are shoving a car down your throat or you have interest in a new vehicle. We have been passed from dept. to dept. from person to person. I dont understand this is XXXX! I have had issue upon issue open and then closed! Then, XXXX XXXX and XXXX XXXX was reviewing documents and then had to request dealership to upload additional documents. This is when we were asked if we were aware of 2 agreements/contract, and we were not. Then it was brought to OUR attention that the signatures dont match and reviewing more they stated signatures looked botched as if someone tried to sign and went over signatures or something. I asked are you sure was advised yes. So now dealing with possible fraud of signatures. XX/XX/XXXX after months back and forth they opened a fraud case. Then today XX/XX/XXXX after calling for now almost 2 weeks for updates and no one had an update let alone call us. The fraud case goes nowhere as this AGAIN must be dealt with the dealership! Why does no one at XXXX know what to do or how to fix this? I also dont understand how is this credit life disability insurance stated its offered and dealership stating they dont offer credit life disability insurance never have never will.
Then to be advised all XXXX and XXXX dealership are to offer this and supposedly in this case it was not. Why hasnt anyone opened that up with the dealership and fix this. Back date it from the date of contract. Maybe cause the issue with signatures, I dont know. What does the dealership gain to have credit life disability insurance offered and advised its on contract to then do whatever they may have done to the agreement and it NOT be there, could be to make a SALE??? To meet their numbers for the month. This was towards the end of the month and they were pushy!
I dont know what to do or where to go at this point. No one is helping and no one is escalating this.
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| 05/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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On XX/XX/2021, I mailed a Principal Only payment in the amount of {$450.00} to Toyota Financial Services that was to be applied to my vehicle loan with them. Payment was in the form of my personal check # XXXX. The check, and the payment coupon that was mailed with the check, was clearly marked Principal Only. The copy of my check which I was able to get from my bank was marked on the front as received on XX/XX/XXXX and has the initials XXXX. Additionally, it was stamped on the back with a Toyota stamp that says For Deposit Only on XX/XX/XXXX.
On XX/XX/2021, after not having received credit for the payment, I made my first call to Toyota in an attempt to receive credit for my payment. Following is a detailed accounting of the many attempts I have made to receive credit : XXXX. XX/XX/2021 XXXX Thursday XXXX I called Toyota Financial Services ( TFS ) and spoke with XXXX XXXX I.D . # XXXX XXXX. XXXX said it might take more time since a lot of employees are working from home due to the pandemic. If it had not posted by the end of the day or by tomorrow ( Friday XXXX, I should call back on Monday. Also on Monday, a copy of the front and back of the negotiated check should be uploaded onto the TFS website. Give it a day or two after uploading the copy.
XXXX. XX/XX/2021 XXXX Monday ) A copy of my XXXX XXXX XXXX check transaction was uploaded onto the website and I received a confirmation from the website that the copy of the check was received.
XXXX. XX/XX/2021 ( Friday XXXX I called TFS since I still had not received credit for the check. Spoke with XXXXXXXX XXXX XXXX . XXXX XXXX and XXXX XXXX I.D . XXXX ). I was told they could not locate the copy of the check that was uploaded onto the website and I should fax the copy. Since I do not have a fax machine, I had to drive to XXXX and pay to have the copy faxed. As instructed by XXXX, I faxed the copy to the attention of XXXX at fax no. XXXX.
XXXX. XX/XX/2021 XXXX Friday ) I called TFS later in the day to confirm that they had received my fax. I was told it takes 24 to 48 hours for the information to get posted into the system so other agents could see it.
XXXX. XX/XX/2021 XXXX Thursday XXXX I called TFS and spoke with XXXX XXXX I.D . XXXX XXXX XXXX XXXX said they received the fax on XX/XX/XXXX and said he would put me on hold while he checked to see why it is taking so long to have my account credited. After coming back on the telephone, he said the money would be refunded to me. I asked that instead of refunding the money, that it be applied as a Principal Only payment. He said he would make a note of this. He will submit all information after which it would be reviewed. He would see to it that this is processed. Should be completed by Monday, XX/XX/2021.
XXXX. XX/XX/2021 XXXX Wednesday XXXX I called TFS and asked XXXX, who answered the telephone, if I could speak with a manager. I was connected with XXXX who identified herself as a Resolution Specialist. By the way, each time I call TFS, I had to give a full explanation of all that I had gone through thus far. After giving XXXX my full explanation, she put me on hold while she researched my file. She said she was able to find the copy of the negotiated check that had been uploaded onto the website on XX/XX/XXXX as well as a copy of the TFS confirmation. She additionally said she would have my account credited. It would take three to five business days to have it credited.
XXXX. XX/XX/2021 XXXX Monday XXXX I called XXXX and spoke with XXXX XXXX I.D . # XXXX XXXX XXXX stated that XXXX had not created the ticket that was required to have my account credited. He stated he would create the ticket and would have the payment credited towards my principal. The account should be credited by Thursday, XX/XX/2021.
As of today, XX/XX/2021, my account has still not been credited with my {$450.00} payment. Since it has been verified XXXX via the copy of my check that was received from XXXX XXXX XXXX XXXX that they were in receipt of my check on XX/XX/2021, my account should also be credited with the interest charged on the {$450.00} through the date that I receive credit for the payment.
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| 12/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
Servicemember |
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Swindled by the Salesman and His Boss I went to XXXX XXXX XXXX in XXXX XXXX, Arkansas on XX/XX/XXXX. I was looking to trade in my XXXX XXXX XXXX for a smaller vehicle and a smaller payment. I knew exactly what I wanted ( a hybrid sedan or smaller SUV ). The salesman assured me this wouldn't be a problem. After waiting an hour or two, he told me that he thought he had found me something at another dealer. They didn't have anything on the lot. I said perfect, do you have something similar on the lot that I can test drive and get a feel for. He kept saying yes and then would change the subject. After asking a couple more times, I finally got to sit in a similar XXXX XXXX XXXX ( not hybrid or new ). He ended up pressuring me into buying the one on the lot, so there was no wait time. Keep in mind, I was not in a hurry. Well, he pressured me into deciding on which car I wanted ( the new hybrid or the one on the lot ), right that second. And of course, it was the end of the month, so he straight up said, he wanted me to buy the car off the lot so everything could be submitted before the new month ( XXXX ). Keep in mind, at this point, I had already been at the dealership for a while. I arrived around XXXX am that day and didn't leave until after XXXX.
Then it was time to work on the cost. He knew the biggest reason I was looking to trade in, was to trade down. I wanted a smaller payment. He asked me if I could pay every 2 weeks because I would be in their encore program. I said, I do that now, so it wont be a problem. I just needed to know what the payment was going to be. I wanted everything in the price, including GAP insurance, fees, and any warranty. I told him I paid {$770.00} a month for the XXXX, so I wanted to be under that amount. After hours and hours of working with his manager he said the best he could do was {$390.00} every 2 weeks. I said, why would I want to pay more than I do already. The whole point was to decrease my payment. Several times, he used the sales tactic what do I have to do to sell you this car today. He would he have me initial the verbal agreement. Then he would come back after a while, with no result on his end. But between the salesman and his boss, tag teaming me, they managed to convince me that Toyotas Loyalty/Encore program was the best solution for me. It would allow me to refinance in a couple months ( at one point the manager even said in XXXX, call him and he would see what he could do ) and get a better rate. They guaranteed me that {$390.00} every 2 weeks was the final amount. That had GAP and all the fees included. I signed some paperwork, left without any copies. At the point, I was exhausted and needing to get home. I hadnt eaten all day and had more than enough coffee. Well, around XXXX ( XXXX XXXX ) I got some paperwork from Toyota. The payment is {$840.00}! That is not {$390.00} every 2 weeks. They lied to my husband and I, just to get the sale. They failed to give me paperwork to take home. This is a huge problem! On XX/XX/XXXX at XXXX am I contact XXXX XXXX XXXX at XXXX. I asked to speak with the finance manager. He was not available, so I asked to speak with my previous salesman. He answered and of course just tried to feed me more lies. He was supposed to have the finance manager get back to me and that never happened. I do not expect it to happen. If we had known the payment was going to be more, we would have not traded in the first place. I had a bad feeling about this deal that same day. I even went back to the dealer ( after grocery shopping ), basically in tears, that same day. Asking if I could still get the hybrid instead of the one off the lot. They did not want to hear it and just told me more lies. It was anything to meet their quota for the month. They even had the audacity to ask me to give them a 5-star rating on XXXX. I want the agreed upon amount biweekly payment ( {$390.00} ). Which is already more than the {$770.00} I was paying. Or they need to take their car back. At one point the manager even complained of XXXX XXXX XXXX from being on the phone so much. High pressure sales tactics at it's finest.
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| 04/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX, I purchased a new XXXX XXXX XXXX, XXXX XXXX, for {$28000.00}. My name is XXXX XXXX XXXX my account number is XXXX. I purchased it in XXXX, WA. The above account number is Financed through Toyota Financial Services. I was informed that my first payment would be until XX/XX/XXXX. To my surprise I received a bill dated XX/XX/XXXX informing me of my payment due date of XX/XX/XXXX and that it would be considered late if paid after XX/XX/XXXX. I was impressed and pleased that I was being financed through a company that had it together. I quickly went online and registered my account. I scheduled my payment and it posted to the account on XX/XX/XXXX. I then came back to my online account on XX/XX/XXXX and set up automatic payments through the link in the email they sent me XX/XX/XXXX confirming my payment. I added my XXXX XXXX union account and set up payments to happen on the XXXX of every month. I then received an email saying " XXXX, XXXX. You did it! Your TFS account is running on all cylinders ''. Then bellow that it stated " You've done it! Your TFS account is fully optimized with online payments and paperless monthly billing. What else can we say except thanks for going places with us! ". At this point I was assured that everything was done and set up. At the time I was headed out of WA to XXXX, FL. For a training and work event, I left XX/XX/XXXX and didn't return until XX/XX/XXXX. That was enough time and information overload for me to move on from worry of my payment or concern that something would go wrong. I did not know or was communicated anything until I called and set up an appointment to have my car serviced on XX/XX/XXXX. They advised me on my late payment. I then went to my bank and requested a search for my payments to TFS. They only came back with the one that was processed on XX/XX/XXXX. I was in the process of switching banks around and my finances were all over the place. I could not understand how I was kicked off of auto pay. I thought maybe there was an issue with my Credit union so I made a payment from my XXXX XXXX XXXX account on XX/XX/XXXX for {$850.00} to cover XXXX and XXXX. I contacted TFS that same day and explained the situation and they said that I would be fine. They did not advise me of any issue to the action they took on my credit report at all. I was at peace thinking it was all taken care of. To my surprise I received an alert from XXXX today XX/XX/XXXX stating TFS had updated my status of 30 days late as of XX/XX/XXXX. I could not believe that I was not informed when I called them and that they reported me 30 days late. I contacted them and they said there was no record of my call and that it was valid with no way to remove it. They did not provide me any options or explain how my auto pay was deactivate and why I did not get a notification that it was stopped. After some research I noticed that auto pay issues with dropping the enrollment are common with TFS. I tried them again just in case I did not explain the situation and requested Toyota Financial Services that the " late payment '' for reported XX/XX/XXXX be removed as a courtesy. I was informed that I had disputed the late payment & that the results were a correct reporting for the late payment. I did not state I was disputing the late payment on my credit report, but I was asking for a courtesy removal for the late payment due to the auto pay error in their system. My credit report now shows I have disputed the late payment with XXXX because it is an issue. When talking to Toyota Financial Services I am told they are unable to have me communicate with the credit reporting team & that I will have to send a letter instead. It is my understanding that, according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, they are required to notify me of the insertion of negative listings. I am in complete frustration that this is happening when I am in the process of buying a business and they are causing extreme damage to the possibility of it happening due to their error. Please help!
XXXX XXXX XXXX
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| 02/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XX/XX/XXXX- I have leased Toyota Rav4 XXXX from XXXX XXXX in XXXX , NY . I have also returned my XXXX XXXX to the same dealer. On the same day, I have also made my first payment which is {$290.00} ( I have the proof and papers ). During this day when filling out the papers I have made sure to give my personal phone number to both XXXX XXXX, and Toyota Finance in case they reach out to me directly. I have also given my work number additionally on that day as well.
Mid- XX/XX/XXXX : I received excess wear bill {$230.00} and make the payment on XX/XX/XXXX to Toyota XXXX CA. Also, I can provide the statement from bank if needed. I also received my initial bill for the car 's second pay, indicating I must immediately pay the car 's first and second bill. I go online to email them, since I am available after XXXX EST during weekdays. I am not able to email them, because the account number stated on the bill that they sent is wrong. If you do not open an account with them, you can not email them. I also can not call them too, because I have a hectic schedule, working at a school, going to internship and being a XXXX XXXX. I am only available on Saturdays, which they are closed. I found out that my credit is now ruined due to not paying the excess wear pay and lease payments. I have never ever received a phone call to my personal number from XXXX XXXX, even though I have provided my cell number to them.
XX/XX/XXXX- I called the dealer for assistance couple of times. But the dealer had stated they are not affiliated with XXXX XXXX. I have called multiple times Toyota Financial, but the wait time is around 30-50 minutes. Meanwhile, I have NEVER received a phone call from Toyota Financial. ( All of my applications to Toyota Financial and XXXX XXXX include my cell phone. ) Reported this to Better Business Bureau thinking they might solve, but no answer from them either. ( I feel trapped ) XX/XX/XXXX- They have called my school when I was in a meeting with a student, and I found out that it is Toyota Financial calling my work place to request me. I had to hang up since I was with a student helping her with her college application process, and obviously that is my priority at that time since I get paid by tax payers to do that job at that moment, not to fix what Toyota Financials had ruined. I asked for a direct number to call so that I can fix this right away. I can not spend more than 10-15 minutes on wartime since I work at the school and XXXX XXXX wait time is around 30-50 minutes I can not use my lunch time. However, lunch time is the only time I can use to contact them since I take classes and have XXXX after my work. If Toyota was open after XXXX on weekdays, I would have definitely would not mind the 30-50 minutes wait time. The person on the phone refused to give a direct line and said that they have another cell phone on their system they had been calling and giving my confidential information to. I am not sure what phone it is, because I checked with the dealer and they stated they had my personal phone number on the applications. -which was correct.
Now, I have a ruined credit, even though I made the payments. I can not make the cars second and third payment, because the account number that they sent on the receipt is wrong. I also can not reach out to them through phone to fix all of this, because they don't answer. I can not email them because, you need an accurate email to open an account to email them. I am lost.
Once again, I can provide all the information including the wait times, my calling records from XXXX XXXX XXXX indicating I have NEVER received a phone call from them, my application that states the phone number I have given to Toyota, my initial payment to Toyota, and the bills from Toyota that has wrong account number.
Toyota can even check my previous history with them for three years, I have never delayed my payment with Toyota Rav4 XXXX car. Obviously, with this experience, I would never return to Toyota after this cars term is up. Integrity is important in a company that receives my payment.
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| 01/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/XXXX, I contacted Toyota Financial Services when I received an alert that my account was 30 days late from the credit bureaus. I learned that this was reported because half of the payment wasnt received in 30 days. I explained to them that it is my daughters car that I co-signed for and her father and I split the payment. I asked what I needed to do. They later told me how much I needed to pay and I paid it with my debit card over the phone. I started to receive call from TFS about the account. I then learned that everything we paid the {$10.00} fee if we paid after 10 days they never credited the money to the account for the fees. They kept putting it toward the principal. This was the second time this occurred. I asked them why they would do that and there was no way for me to specially direct my money when I pay because they do not give the option. They then corrected my account. Again, this was then second time. Again later, I began to receive phone calls about a missing payment of over 200 and received another 30 day alert in XX/XX/XXXX. I asked them to research my account because of all the issues I had been having. They claimed they would and would get back to me. Different people would continue to call me daily and I would have to explain over and over while each person claimed they would research. However, we continued to make our payment. Now we are in XX/XX/XXXX. I received these notices that our account was becoming more delinquent but it was not accurate. I was then informed that they never put the money I paid over the phone or Im XX/XX/XXXX toward the past due of XX/XX/XXXX. I asked why they would do that because it impacted my credit score greatly. The representative said that people post payments different and that you have to call in to specify. Again, o told them that this was a flaw in their system and that it should give the option of where my money is going when I pay online. There is only one box. Nothing for late fee and nothing for overdue balance. I asked to speak to someone else that could help me get my account back on track. I was transferred to another representative who told me that he could not tell me the parameters for an extension because then you would just say what you need to say to get it approved. I was appalled and asked to speak with a manager. The manager apologized and told me that she was going to do an administrative extension request to bring my XX/XX/XXXX and XX/XX/XXXX accounts to current and on time. She told me that it could take and few days to see if it was approved and to call Back. It was a Friday so I waited. When I called back a few times there was nothing. A different representative told me that there was no such request in the system. I began to cry from the stress and my daughter had just had XXXX. The representative them told me that the XXXX was a qualifier and she approved my exrension right on the spot. She told me that it could take 1-2 weeks for the paperwork to come in the mail to sign. It never came but it was approved. I kept calling. TFS finally sent the paperwork for me to sign electronically in XX/XX/XXXX. I signed it and continued to make my payments throughout. I noticed a few weeks ago that my account stays was still never fixed for XX/XX/XXXX and XX/XX/XXXX Im my credit report. They told me that I had to dispute it with the credit bureaus. I did this. They have since codes XX/XX/XXXX and XX/XX/XXXX as no data when they where in good status and left XX/XX/XXXX and XX/XX/XXXX as delinquent. I am very distraught over TFS and there fraudulent dealings and refusal to do the right thing. I need my XX/XX/XXXX and XX/XX/XXXX put back to the on time payment. I need them to accurately reflect XX/XX/XXXX and XX/XX/XXXX as current since they approved the extension to put those months to the back of my loan. At the least, they should have coded those months as no data. Not all of the months that were paid on time. XX/XX/XXXX is the only month that should reflect 30 days late and that is becaus only half of the payment was late.
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| 10/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I made a call to Toyota Financial Services ( TFS ) Personal Loan division to ask for a mortgage satisfaction document on a loan that I paid-off back in XX/XX/XXXX. The representative on the telephone said that they would have to go back in to the archives to research the status of the loan and would then email me a copy of the satisfaction document. Several days passed but I had not received an email from TFS. On XX/XX/XXXX I made a follow-up telephone call to TFS to inquire about the status of my prior request. They said that the email had indeed been sent, however, I did not receive it. The representative warned me that the email could be marked as SPAM but told me that they would send it again this time ( at my request ) to an additional email ; my personal email address and my XXXX email address. The representative told me that I should I have the email by the end of the day. However, once again, it did not arrive. I manage my own email server and the email did not get flagged as SPAM nor did it get blacklisted. On XX/XX/XXXX I made another telephone call requesting my mortgage satisfaction be emailed to me. The representative was surprised to learn that I had not received the previous emails and assured me that they have been emailing me the document and they would send it again.
After contemplating the situation, I decided to check a specific directory that stores email files that the server flags as malware. Sure enough, there was an email in that directory that contained a scripted HTML file as an attachment. A very dubious file in this day and age. After relaxing a specific security setting on the email server and repositioning the email file for delivery to my inbox, my mail user agent ( XXXX Mail ) received the email. Upon inspection, the From address was from XXXX '' a very vanilla domain along with the dubious attachment. In addition, the email had no branding whatsoever and appears, on the surface, to be suspicious. So I saved the attachment to a protected directory and opened it using the XXXX web browser because XXXX XXXX would not execute a scripted HTML file. Sure enough, this was TFSs technical way of delivering a secure document! After following the prompts and registering my email address with their internal XXXX document server, a PDF file was presented to me for download. After clicking the link and downloading the file I determined it was a satisfaction of the previous loan that the TFS loan of XXXX satisfied. In other words, it was the wrong document! On XX/XX/XXXX I made yet another call to TFS requesting the correct document be email to me. I also requested an email address of someone that I could directly make my request as the closing on my home was scheduled for XX/XX/XXXX and time was of the essence. Later that day, I received an email with the mortgage satisfaction for the loan I paid-off however the dollar amount is incorrect and the document was not signed! On XX/XX/XXXX, I forwarded the unexecuted document to the email address the representative communicated to me explaining that the satisfaction needs to be corrected and signed so I can file it with the Clerk in XXXX XXXX, NY, via the title company. To this day, I still have not received a reply to my email for a corrected and signed mortgage satisfaction for a loan that I paid-off back in XXXX.
This is simply unacceptable. Furthermore, TFSs arcane and technically-hostile method of delivering PDF files is grossly unacceptable as for not for my level of technical knowledge, I would never have gotten this far. As a result, and to not hold up the sale of my home, the title company has held back {$15000.00} of the proceeds of the sale until I can produce a satisfaction of mortgage from Toyota Financial Services. I have granted the title company permission to pursue the mortgage satisfaction as well. But I am hoping this complaint will reach someone in charge at TFS who can produce and deliver to me a properly corrected and signed mortgage satisfaction for the loan I paid-off in XX/XX/XXXX.
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| 06/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- High-pressure sales tactics
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Web |
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On XX/XX/XXXX, I submitted a request to buy out my lease from Toyota Financial through the XXXX XXXX XXXX XXXX ( XXXX XXXX, CA ). I received an email from the XXXX Representative, XXXX XXXX, indicating I may be eligible for lease-end options as well as loyalty options. On XXXX, my wife and I submitted a finance application to purchase our leased car, as suggested by the XXXX XXXX. On XXXX, I received a text message from the dealership asking for permission to send messages. I agreed to the text messages, and received a text on XXXX asking when I wanted to come in to look at their selection of XXXX. I replied stating I'm only interested in purchasing out my lease. Then I received another message saying my information will be passed to one of the managers, and the dealership apologized for the delay. I did not receive any other communication until I reached out again through text message on XX/XX/XXXX, stating I had been emailing XXXX about purchasing out my lease and submitted an application, but had not received any indication of whether the application was approved or if they needed more information. On XX/XX/XXXX, I received an email from XXXX XXXX about assisting me in the buy out of my lease. She stated her managers did receive the application and wanted to know what day I wanted to visit the dealership. I replied, saying I wanted to see the outcome of the finance application first and noted that it was difficult for me to visit the dealership within the regular business hours. On XX/XX/XXXX, I received another email from XXXX XXXX stating the reason for needing to visit the dealership was so they could verify the mileage of the car. My car had been to the same dealership a couple of weeks before my wife, and I applied for financing for routine service where the mileage and condition of the car was checked. I reiterated that it was difficult for me to visit the dealership within regular business hours and did not understand why they needed me present for the determination of the finance application, especially when there is already a contractual agreement of the amount required to purchase the car ( {$24000.00} ). On XXXX, I replied stating I still did not understand why I needed to visit the dealership for a determination of the finance application. I asked if the mileage and condition of the car is factored into the interest rate for financing through Toyota Financial and reiterated wanting a determination on the application so I could continue with financing or apply for other car loans. I offered to send the dealership our driver 's licenses through email in case they needed more information for the application. On the same day ( XXXX ), I received a reply from XXXX stating the sales manager told her the quickest and most efficient way for them to help me complete the process would be for me to visit the dealership. I received no other communication after this, and it has been more than 30 days since my wife and I applied for financing ( XXXX ) with Toyota Financial without received any type of response of whether the application was approved or denied or if more information is needed.
I have worked with other XXXX XXXX, where I was able to apply for financing and receive a determination without going into a dealership. Further, when I leased the vehicle, the dealership was able to process the lease application and provide me with a response. Afterward, I went into the dealership to sign the documents. My job does not give me the flexibility to take time out of my day to run errands, and I do not finish work before the dealership closes. In other communication with the dealership, they continued to bring up purchasing a new car and disregarded the purpose of the finance application to buy out my lease. This has been the very first time I have not received a determination on an application. Their sales tactics appear to be blocking my access to apply for financing as well as receiving notification of whether the application has been approved, denied, or needing more information.
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| 09/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Toyota Motor Credit Co.
XXXX XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
You have incorrectly attributed an account to my name. My correct address is XXXX XXXX XXXX XXXX XXXX, CA XXXX. There should be no account for Toyota Financial under my name. This is a fraudulent account and I would like this inaccurate information deleted immediately.
I am writing in regard to the above referenced accounts and transactions.This vehicle was repossessed by Toyota Financial in the State of California on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of California UCC 9205 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
I demand that the following account be verified or removed immediately : Account Name TOYOTA MOTOR CREDIT CO Account # XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
Thanks for your help in this matter, XXXX XXXX XXXX Attached : Response Letter from Toyota Previous Letter with Certified Receipt Dated XX/XX/XXXX Drivers License
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| 07/04/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I 've like to lease vehicles, from Toyota. After a call from the dealer I went at the end of XXXX XXXX, to return the old leased vehicle Toyota XXXX XXXX. Toyota Dealer, made a lump sum payment to the Toyota Financial, just 2 or 3 skip authorized payments from Toyota Financial, as a result I have XXXX balance to pay. I authorized Toyota Financial to withdrawal every XXXX of every month, recurrent payments for the amount of {$350.00}, this way I am never being behind payments. The situation started after I went to the dealer to return the old vehicle XXXX. At the financial department of Toyota Dealer, a called was made to Toyota Financial to advised them that I was getting a new vehicle due to the mature of the lease ; I got a XXXX Toyota XXXX, same monthly payments even that the car cost less than the previous vehicle. I spoke with a gentleman at Toyota Financial, by phone, he advised me that I have XXXX balance to pay for the Toyota XXXX, and the payments for the new leased vehicle Toyota XXXX XXXX, will effective on XX/XX/XXXX, as recurrent payments as always. Surprisingly, on XX/XX/XXXX at de end of the month, I received a phone call from Toyota Financial, stating that I had not paid XXXX for the new car. Obviously, I checked my bank account, I found out that the payment was withdrawn by Toyota Financial on XX/XX/XXXX. I called the bank to make sure, and I was told that on that date at XXXX XXXX, Toyota Financial withdraw {$350.00}, so I went in person I got the print out to call Toyota Financial to dispute this unfair charges. After many calls, different customer services, everyone with different statements, that I did not pay, others found out that in fact the payment was taken by Toyota Financial, and applied to a non existent account. At least more than 15 phone calls I have been done, including to a financial assistant from XXXX XXXX where the payments were taking from Toyota Financial. At last two week ago, after I received I received a huge bill for more than {$700.00} from Toyota Financial stating that I did not pay, XXXX, neither XXXX, so I went to the bank they faxed to Toyota Financial the print out that in fact they got paid. I spoke with XXXX ID XXXX, he was very efficient. He found out that in fact I do not owe XXXX, neither XXXX. However the payment for XXXX to my new account has been wrongly applied to the non existent account XXXX for the XXXX. He promised to appeal it and upgrade and also to contact the 3 Mayor Credit Bureau Agencies to ask to remove the unfair report against me. On XXXX I received another bill to pay from Toyota Financial, more than {$700.00}, for non payments of XXXX, and XXXX, obviously I 've Exhibits to prove it, I went back to the bank and again, XXXX from financial department of XXXX XXXX called upset, she told then how come a huge error, has been causing me such stress, knowing that in fact they got paid, XXXX, XXXX, XXXX for the new account XXXX and that I 've proof to confirm same. I was advised to disregard that letter, that was sent by mistake. The payment for XX/XX/XXXX, was made directly from the bank, {$350.00}. Moreover, on XX/XX/XXXX, another let letter I just received from Toyota Financial, stating that I did not pay XXXX, the bank has the statement that in XXXX XXXX, a payment was sent and cashed by Toyota Financial. The letter I just received states that they are correct, that I am in delinquency and I have been reported to the three mayor credit agencies. Today XX/XX/XXXX, I called the XXXX XXXX to ask if XXXX has not been paid, I was informed that Toyota Financial got paid on XX/XX/XXXX. Moreover, starting from today, XXXX XXXX, took the responsibility to pay directly to Toyota Financial, and I set recurrent payments and so on. The payment for today REF : # XXXX I 've have proof for the months of XXXX, XXXX and XXXX as well as. Please I need your help against these fraudulent charges committed by Toyota Financial, since XXXX XXXX and up today continues. Thank you very much XXXX XXXX
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| 11/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Older American |
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We bought a new Toyota, XXXX XXXX and were pre approved through our credit union. At the dealer they told us they work with the credit union and will take care of the paperwork for us right there. We signed the papers and then a few days later our credit union called to ask if we were going to still need the loan. At that time we were told nothing was sent to them for a loan for us from the dealer, and in subsequent talking with the dealer we were told there was a 'misunderstanding ' and our loan was with Toyota financial. I told them we wanted to go through our credit union, and he called us back later and said he was able to get the loan rate changed to 2.2 % interest, which was 1 % below what the credit union would give us. At this point, partly to save us a hassle, we agreed to stay with Toyota at the new rate. We were told that there was no penalties for early pay off.
We got a statement saying our payment amount should be {$540.00}, the finance charge should be {$2500.00}, the APR should read 2.2 % on the total sales price should be {$42000.00}. First payment date was for XXXX/XXXX/XXXX. for an outstanding balance of {$36000.00}. I sent in a payment of {$600.00} on XXXX/XXXX/XXXX. My next statement was dated XXXX/XXXX/XXXX and said my next payment due was for {$490.00} due on XXXX/XXXX/XXXX with an outstanding balance of {$36000.00}. Said last transaction date was XXXX/XXXX/XXXX for {$600.00}. There was nothing on that statement of what my interest charge was, nor how much of that {$600.00} went to interest and how much went to the principle. I made a new payment of {$700.00} on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I had n't gotten a new statement, but wanted to make sure I got my payment in in time and so sent in another payment of {$700.00} on XXXX/XXXX/XXXX. I am using a bill pay option through my credit union for my payments to make things easier for me. The next statement I received was dated XXXX/XXXX/XXXX and simply stated last transaction amount was {$700.00} dated XXXX/XXXX/XXXX. 3 monthly payment made. Next payment was due on XXXX/XXXX/XXXX for {$190.00}. with an outstanding balance of {$35000.00} Also hd a line that said regular payment amount is {$540.00}. There was again no mention of the percentage rate nor how much of my payments went to interest and principle. At this point I became concerned that something was amiss here. I called the Toyota financial and found out through my questioning that only the amount said due on my statement was put toward my loan. The rest was being kept to make my next payment because I had 'over paid '. That is why my next payment was n't due until XXXX/XXXX/XXXX and for only {$190.00} So they are actually just holding onto all the money extra I sent in, interest free by the way, and not using it for pre payment like I thought I could do. Questioning them on this, I was told if I wanted to have the extra amount applied to the principle, I would have to call them each time I made a payment to instruct them to do this. I asked if I they would do this now while I was on the phone and he said he could only do that for the last payment I sent in of {$700.00}, not for the other two. Then he said if I wanted to make prepayments applied to the principle with out having to call them, I would have to make separate payments to a completely different address and mark on it that it was for principle only etc.
So my complaint is that they are being very deceptive about my payments, by not showing interest and principles paid nor stating that extra payments are not being applied, nor even stating what my actual interest percentage is on each statement. That 's not right, and I do n't think it should be allowed to happen like that. I would like you to see if this kind of dealing can be made to be changed for the consumers protection. I am going to contact my credit union to see if I can still get a loan from them and pay off Toyota, but that might not be possible, as I retired XXXX XXXX, XXXX.
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| 12/04/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I leased a black XXXX Toyota Corolla vehicle through Toyota Financial Services in XX/XX/XXXX. I turned my leased vehicle into XXXX XXXX XXXX on XX/XX/XXXX. Prior to turning in my lease, I had contacted XXXX to verify the process to turn in my vehicle and to see if my disposition fee can be waived if I get into another Toyota lease. The representative was aware I moved ( I updated my address ) and advised me if I were to get into another Toyota lease my disposition fee would be waived ( even though it would not be through XXXX ). I received a final bill that totaled {$490.00} shortly after turning it in for excessive mileage charges, disposition fee, and taxes. I had contacted XXXX on XX/XX/XXXX ( updated my address ) to inform them that I got into another lease with XXXX and explained to the representative what I was told from the earlier conversation regarding the disposition fee. The representative advised me to fax in a copy of my new lease with XXXX and they will have the disposition fee waived and to check back in a week. I made a partial payment that day of {$60.00} for the miles and later on faxed in my lease. On XX/XX/XXXX, I followed up to verify if the disposition fee was waived and was told it has not been waived. The representative confirmed she received a copy of my lease with XXXX and advised she would submit a request to have it removed. The representative advised me the remaining balance was {$59.00}, and I made a payment that day for {$59.00}. The representative submitted a request and stated it would take 5-7 days to be removed.
I thought everything was taken care of until a letter was sent to my old address in XX/XX/XXXX ( to which I have updated every time I called ) stating I still owe for the disposition fee. To my surprise I had contacted XXXX to explain that the disposition fee was supposed to be waived based on prior conversations. I advised the representative that the letter was sent to the wrong address and updated my address again. The representative I had spoken to was very rude and ignorant. He kept repeating the same sentence that I signed a contract and there is nothing he can do to get the fee waived. He advised me it was up to their discretion, and the fee will not be waived. I tried to explain to him that I was told multiple times by XXXX representatives that it would be waived and he completely disregarded what I said. I also explained to him that my wife had the same issue and was able to get her fee waived ( same exact situation ). After telling him that, he refused to refer to my wife as my " wife, '' and persistently said " other half '' and " partner, '' which I find completely disrespectful. I finally asked to speak to a supervisor and he said there were no supervisors available. He stated a supervisor would call me back and could not provide a timeframe. It has been a few weeks, and I still have not heard back from a supervisor. Not surprised. XXXX customer service is by far the worst customer service I have ever received. This was not the first time I had to ask to speak to a supervisor and never received callbacks either. This issue went on with my wife 's account but was far worse.
I received another letter in the mail today, it was addressed to the WRONG address AGAIN. My correct address is XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX, please have them correct this already. In the letter, there was a coversheet that was addressed to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, PA XXXX. Which has me very concerned that my information was sent to another customer.
I am completely fed up with this company and demand my disposition fee gets waived. I request for them to pull the calls and provide feedback to their representatives. I want confirmation that my personal information was not shared with another customer and an explanation as to why I received information on someone else. I would also like confirmation that this did not affect my credit score.
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| 02/22/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Taking out the loan or lease
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Web |
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Upon routine leased end-of-term car turn-in XXXX/XXXX/XXXX to XXXX XXXX in XXXX XXXX, XXXX, we discovered our XXXX/XXXX/XXXX lease agreement had been hand-altered post-signing XXXX/XXXX/XXXX to make it appear 1 ) there was a {$350.00} disposition fee ; and 2 ) that the total lease amount was higher. Neither change was initialed by anyone -- and we were not given a copy of the change at start of lease. I believe this is illegal and violates the Federal Consumer Leasing Act Segregated Disclosures provision.
This was a Connecticut " closed end motor vehicle lease agreement XXXX pay lease, '' i.e. we paid the entire amount upfront on XXXX/XXXX/XXXX.
Upon our own investigation this past week, we discovered our original paper lease copy and the XXXX dealers digital version actually do match. The copy held by Lexus Financial however is the one showing hand-marked alterations.
We first brought the discrepancy to attention of the leasing financing company ( Lexus Financial Services of XXXX XXXX, XXXX ) XX/XX/XXXX as we prepared the car for return. They denied us.
At turn-in at the dealer XXXX/XXXX/XXXX, we explained the issue to the XXXX finance manager XXXX XXXX and showed him a copy of our original lease agreement. He agreed with us there was no fee and said it should all be straightened out by Lexus Financial once all the paperwork from turn-in has been received. He said if they raised the issue again, just send them a copy of our lease agreement that showed no dispo fee.
XX/XX/XXXX we received 3 calls from Lexus Financial " pre-collections dept '' reps asking for the {$350.00} fee. They insisted they had a signed copy of our lease showing we agreed to that {$350.00} fee upfront. We asked for them to send us a copy. They insisted it must be mailed not emailed or faxed to us, and we ultimately received their copy by USPS mail ten days later XXXX/XXXX/XXXX.
In the meantime they sent a collection letter and bill for the {$350.00} with no mention of the issue. They gave a deadline of XXXX/XXXX/XXXX. I immediately replied with my own letter, a copy of my lease agreement, and told them I would report them to the XXXX AG if I did not hear back from them by XXXX/XXXX/XXXX that this issue was resolved.
Instead, they then called me early the morn XXXX/XXXX/XXXX asking me when I was going to pay up. At that time I decided to drive right to the dealer and get this sorted out face-to-face with their help.
I met again with XXXX Finance Manager XXXX XXXX XXXX/XXXX/XXXX at XXXX pm, he again showed me that their digital copy matched mine. He nicely called Lexus Financial while I was in the room with him and talked them into faxing him their copy of the lease. It was at this time we all learned their copy was hand-altered and not initialed. No one who had signed our original lease agreement was still employed at the dealership to validate. XXXX showed it to the current XXXX XXXX who apologized and said " it would be taken care of. '' He said he and XXXX had not seen such a hand-altered lease agreement like this before and that it was highly unusual. Everyone was cordial.
There was some mention that disposition fees were not required up until XXXX/XXXX/XXXX, but that the policy changed XXXX/XXXX/XXXX and since Lexus Financial did n't acknowledge my XXXX/XXXX/XXXX agreement until XXXX/XXXX/XXXX someone just added it on manually - not asking for my approval, not giving me a copy, and apparently not noticing it was a one-pay lease and all charges were already paid at signing XXXX. I believe this is all illegal under the Federal Consumer Leasing Act Segregated Disclosures provision.
I asked the GM XXXX/XXXX/XXXX for an apology letter from him and/or Lexus Financial and a confirmation the dispo fee had been removed and was not due. 5 days later Lexus Fin confirmed their records still show I owe it. I also suggested they investigate to see if other lease agreements were altered during that timeframe.
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| 12/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with a trade-in
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Web |
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On XX/XX/XXXX, My wife and I purchased two XXXX XXXX XXXX. My vehicle had no negative equity but my wife 's vehicle had about {$9000.00} in negative equity because of her XXXX XXXX XXXX trade-in. On XX/XX/XXXX, my wife went to see our previous sales person, XXXX XXXX, regarding possible repairs on her XXXX XXXX XXXX rim and to also look into a XXXX XXXX XXXX, since she was considering a possible upgrade if financially feasible.
Although, I was opposed to the this upgrade and refused to sign off on this sale as the primary purchaser ( knowing my wife had about a {$9000.00} negative equity on her XXXX XXXX and the deal would not be financially feasible ), XXXX XXXX ensured my wife that an upgrade to the XXXX XXXX XXXX would be barely any difference from her current financing of the XXXX XXXX XXXX and that she could go on this deal alone with little change in her monthly payments.
So XXXX XXXX did the numbers for the XXXX XXXX sale with incorrect information for the trade in. XXXX XXXX did the numbers with information for my XXXX XXXX with no equity, instead of my wife 's XXXX XXXX with about {$9000.00} negative equity because he was eager to complete the sales and swindle my wife. My wife 's XXXX XXXX, because I was a primary on the vehicle, had a XXXX APR with {$1000.00} and something in interest and total cost with negative equity from trade-in was total sales price of {$31000.00}. The sales of the XXXX XXXX with just my wife 's credit was 7.5 % APR with {$8100.00} in interest for 75 months with a car sales price of {$30000.00} and a total sales price of {$40000.00}. How are these deals not much different?
I spoke with XXXX from Toyota Financial Services today and he confirmed that my wife and I were lied to while XXXX XXXX was trying to cover up their fraudulence, XXXX XXXX and XXXX XXXX reported that the documents were erroneously swapped to show that my wife 's XXXX XXXX was solely on my credit and my vehicle was on both of our credits. XXXX XXXX said multiple times that I should come in and exchange cars with my wife 's trade in to fix the initial financing paperwork error XXXX XXXX made, meanwhile, he was trying to get me stuck with the car with {$9000.00} negative equity so he could complete the sketchy sales of the XXXX XXXX to my wife.
XXXX XXXX has requested that my wife and I come to the dealership several times to resolve the issues and sign the correct paperwork to no avail of resolution that did not involve my wife and I getting swindled and me switching my car with no negative equity, for her car with {$9000.00} negative equity. I went to the dealership to sign off on the trade-in for my wife 's XXXX XXXX late XX/XX/XXXX because XXXX XXXX pressured me to do because it had to be done by the end of the month.
After this, my wife and I have been pressured by XXXX XXXX, XXXX XXXX and XXXX XXXX ( XXXX XXXX ) to switch my XXXX XXXX with my wife 's traded-in XXXX XXXX, pay {$5000.00} cash outside of the contract balance out some of the negative equity or to unwind the more recent XXXX XXXX purchase and XXXX XXXX trade in, with my wife returning the XXXX XXXX and taking her trade-in XXXX XXXX back. These proposed resolutions by XXXX XXXX mostly involved a significant inconvenience to my wife and I.
XXXX XXXX threatened me, stating that things will be bad for me if I attempted to find resolution through the Attorney General 's office because he knows people there and they would not respond in my favor. XXXX XXXX also has called my wife to continually threaten me, if I report the dealership to the Attorney General 's office. XXXX XXXX requested a secret meeting with just my wife to " resolve '' all the paperwork issues that he caused and fabricated. I have since requested through the Toyota Customer Experience hotline, that XXXX XXXX never contact my wife and I again with further attempts to threaten and intimidate us from exposing XXXX XXXX 's fraudulent activities.
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| 08/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On XX/XX/XXXX, notification was received from the credit bureaus that my auto loan with Toyota Motor Credit has been closed/charged off. Initially, thought there was an error due to previous glitches with the system at Toyota.
I last viewed a statement that was date on XX/XX/XXXX with next payment due date of XX/XX/XXXX. Payment had been made on XX/XX/XXXX, plus recurring {$250.00} was bill paid from my checking account, which were not reflected on the account.
I signed on to TFS website to show that my auto loan balance was {$0.00}. No information on where the balance payment came from, no notation that it was transferred, nothing indicating that it was charged off. I received no letters via mail, email, or phone to indicate repo was ordered and the loan accelerated until I spoke with a rep on XX/XX/XXXX. Which the number Toyota listed on my " closed '' account to call for help was not the number I was forwarded to. She stated that the full amount of the loan was due in full for a total of {$19000.00}. The number to call back at with payment was XXXX.
I made payments via XXXX XXXX with confirmed transaction numbers by a Toyota Rep on XX/XX/XXXX in the amounts of : XXXX {$2000.00} XXXX {$1200.00} XXXX {$1500.00} A repo agent picked the vehicle up on XX/XX/XXXX, as we were unable to POF to redeem that day.
They said to refinance as an option, but unable to attempt to refinance since the account shows as closed/charged off on my credit report, which when ran by a lender it shows no outstanding auto loans and can't refinance. On XX/XX/XXXX, a Toyota Rep in the CHARGE OFF dept stated that the payoff balance was {$19000.00}, but since the payments that I made were processed and applied to subtract what I sent in from the balance, the bal then would be {$15000.00} to be paid in full to redeem the car.
Toyota had yet to send a letter via mail with rights/intent to sell, therefore I called to request my options, plus to get the address to send the check to. This was on XX/XX/XXXX.
The lady stated it was sent to my email, which was verifed as correct on XX/XX/XXXX with intent to sell on XX/XX/XXXX unless balance with repo fees included is paid in full. The amount quoted was {$20000.00}, which she stated didn't include the payments that were processed and supposed to be applied on XX/XX/XXXX. She read me the rights to redeem and I verified my plan to refinance or secure funding to POF. But, I requested a ledger be sent as they have completely left no access to a balance or transaction history for me to view at this point or sent a letter in the mail with any information aside from a billing statement on XX/XX/XXXX.
This rep stated she will email the rights/intent to the email at the end of the call, in which she also stated she would let them know to put the car on hold. She also stated to call back again to verify the payoff amount has the payments applied and get the correct amount. A bill pay posted out of the bank to XXXX on XX/XX/XXXX as I had yet to cancel them.
XXXX I called and spoke with a XXXX in the redemption department, who stated my balance had remained unchanged and still reflected XXXX and he would email XXXX the XXXX XXXX. The vehicle is set to go to auction on XX/XX/XXXX per the rep on XX/XX/XXXX. XXXX stated he would send a ledger of payments too, but that hasn't been sent to the email only the rights letter. Therefore my payoff balance is incorrect, but they aren't applying the payment or reissuing a letter with the new balance.
Without the ability to refinance due to the status they listed on report and the unknown balance that would need to be overnighted XXXX to redeem my vehicle prior to auction. The car is worth {$15000.00} more than what I have left on my 0 % interest loan. They will make no money on the sale per the quotes on XX/XX/XXXX for auction price.
XXXX is being deceptive and withholding access to see my loan balance. THIS NEEDS HANDLED ASAP
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| 02/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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I bought a XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX. It's the most horrible experience in my life and I just discovered more things about the car today!!
To summarize, here are the 3 main points : 1. They will to rip you off if they find out you are desperate for a car.
2. They will offer you a deal and they will revoke it if they get someone else looking at the same car 3. They may sell you a demo car with 6000 miles as new and they don't tell you that until after you did the whole credit score and just before signing papers 4. The new car might have re-paint done without disclosing that to customer. That's what I found today unfortunately.
My old car gave up so I decided to buy a new one. I don't have credit history so I had to ask my grandmother to co_sign the loan. I tried a local dealership in kansas where I live and got good deals but my grandmum ( not very techy ) was not able to do the online process. She was not feeling comfortable with that So I decided to fly to new Jersey to visit them and get the car stuff done. First day we looked at XXXX XXXX and picked up a used XXXX XXXX XXXX. The next morning I called XXXX ( salesman ) and I told him I am willing to go with the XXXX XXXX if they sell it for certain price ( i think it was XXXX ). I told him to decide quickly with his manager so I know we do a deal or I go look somewhere else. He called me back and said, come on will do it. Because this guy already talked to us last day and he found out I'm coming all the way from kansas and I have to get the car thing done in new jersy before I fly back to KS ( my wife is driving it back ) he knew I am desperately looking to get this done especially with my grandmum ( the one that has the good credit ) lives in new jersy. I went there for the good deal and they started negotiating with me although that was not the agreement. He lied at me. I wasted all my time until then I found that another customer wanted that same car and they want to get rid of me ... Now its XXXX or Later and I don't have enough time to start looking over again and grab my grandmum all over the places for looking for better deals. I decided to go change plan with new XXXX XXXX XXXX. It's a mess..They took at least 4 hours from the time we picked the car to the signing papers. We were so tired and wanting to go home that and they played us again..I negotiated the price with XXXX and he said he will drop it 1000 $ from what's priced online ... That took some of my anger..but then after going throughout the papers I found the car has XXXX miles on it and it was a demo car which means the manager was using it..That 's a new car!!!. So he lied at me again. I was so desperate tired and want to move on, I was so.mad inside but I let it go..It is stupid that let it go but trust me when you are under that pressure, tired and don't want to bother your grandmother more than that, you will just let it go. Mr XXXX told me also that the warranty will exclude the XXXX miles, which means, if the warranty if for up to XXXX miles, for me it will be to XXXX miles because the car has XXXX miles already. Guess what, it was a lie again. In fact, when I was singing papers with the financial guy he said that's not right ... one more thing, we ended up doing my grandmum as buyer and me a co-buyer to get a loan. But then in the title, they put only grandma 's name..that was a big mess that I had to fix later when registering the car in KS.Trust me you dont want to go through similar experience, especially when you find you paid XXXX $ on a car in someone else 's name.
The boom finding was today..I took my car for a cash offer from XXXX and they found the rear panel and rear passenger door were re-painted. My car was more than a demo, whoever was driving it probably scratched it somehow and they had to painted. They did not tell anything about that. They said it's new ...
I highly recommend not to go there.
|
| 03/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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TOYOTA MOTOR CREDIT CO Details Account # XXXX Original Creditor Account Type Auto Lease Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 90 days Status Updated XX/XX/XXXX Usage - Balance {$2800.00} Balance Updated XX/XX/XXXX Original Balance {$12000.00} Monthly Payment {$380.00} Past Due Amount {$1500.00} Highest Balance Terms 36 Months Responsibility Individual Your Statement Contact Information XXXX XXXX XXXX XXXX XXXX, IA XXXX Payment History XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX TOYOTA MOTOR CREDIT CO XXXX {$2800.00} - - Installment Negative XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Toyota Motor Credit Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I'm behind, late and negative in my account. This is a formal notice that your erroneous claim ( s ) is/are now disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature?
Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My Contact Info is as follows : XXXX XXXX XXXX Your current address P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX CC : Attorney General 's Office CC : XXXX XXXX XXXX
|
| 02/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Shopping for a loan or lease
|
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Web |
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NEVER IN THE HISTORY OF THIS GREAT NATION THE CONSUMERS HAVE BEEN CHEATED, EXPLOITED AND SWINDLED LIKE THEY ARE BEING DONE TODAY AND THERE HAS NEVER BEEN A GREATER NEED THAN TODAY, FOR NEW CONSUMER PROTECTION LAWS. - " VOICE OF AN AVERAGE AMERICAN '' On XXXX XXXX, 2015, I with my nephew went to Texas Toyota of XXXX of XXXX, Texas. After some negotiation with the salesman, my nephew was able to negotiate the price of the car, but the salesman was not willing to go below 2.9 % interest on the pretext that although I have excellent credit, but there is no past history of car loan, so this makes me a first time buyer for car loan, and hence I am not eligible for 0 %. Since I had checked the interest rate with my bank which was offering 3.9 % interest and comparatively the dealership was offering me 2.9 %, so I decided to go ahead with the dealership. The salesman left us for few minutes and returned back and told us that I have been approved but the total interest amount {$1600.00} (@2.9 % X 60 months ) will be rolled into the total price of the vehicle and that amount will be financed by Toyota Financial @ 0 % and this will not change my monthly payment which will still remain {$380.00} per month and the 60 months terms will not change too. I am an average American with no financial background or education and like most average American I understand or have aptitude for basic maths only and based on this I felt it is ok since my monthly payment amount and 60 months terms does not change.
Later, I had an acquaintance with financial background to review the documents the sale. The review by this person revealed : 1. It seems very unusual and unheard practice adopted by the finance company and or the car dealership, when a buyer have been approved for 2.9 % interest for 60 months term and then the car dealership prepares the financing contract based on 0 % interest for the Finance Company, and having the total interest amount {$1600.00} (@2.9 % X 60 months ) rolled into sale price of the vehicle and then include this interest amount into the total amount financed, and do not itemized separately, the interest amount in the Purchase Agreement, so apparently it can pass off undetected.
2. In the event I paid off the loan earlier, I will be paying the interest even for the period I will not be in financing and at that point the rate of interest will result into much higher rate of interest and not 2.9 % as it seems today. This will not happen if the the financing contract documents had been prepared based on 2.9 % interest.
3. By rolling the interest amount into the sale price of the car, has resulted into an about additional {$100.00} sales tax overcharged to me, whereas the interest is non-taxable.
So to get further clarifications, I contacted Toyota Financial. The CSR of Toyota Financial informed me that based on my credit, I was indeed approved and financed for 0 % interest for 60 months term, and in the event if I was approved for 2.9 % interest then the financing contract documents would have been prepared at 2.9 % interest and not 0 % interest and when I make my monthly payments the interest would be paid first and then the balance amount would be applied to my outstanding principal amount each and every month and in the event I paid off the loan earlier I do not have to pay the interest for the remaining months I am not into financing as I have paid off the outstanding balance and this is the practice followed by Toyota Financial and moreover the CSR informed me that Toyota Financial do not have the practice of having the car dealership to roll into the sale price of the car, the total interest amount for the whole term of financing period and then financing the interest. At this point it was indeed very clear to me that I have been a target of deceptive financing practice by this car dealership during this transaction.
Thank you.
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| 09/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX, my leased vehicle was involved in a total loss ( theft ). There was a lot of paperwork basically signing over the car to the insurance company and that they were going to be paying off my vehicle from my lease, etc. Once everything was said and done, I leased a new vehicle without issue. In XXXX of XXXX I applied for a boat loan only to be told that I was declined due to a severely past due balance with Toyota Financial. I was very confused. The strange part is I get my credit report every month and had never seen it. I looked at the report only to find that I had an outstanding balance of {$100.00} that was 14 months past due. I contacted them immediately and they listed out the payments that XXXX and GAP insurance made covering all amount due on the account aside from the {$100.00}. I called my Insurance company only for them to tell me that they paid everything that they were told was owed and they are not responsible. They had no explanation for why there was a remaining balance on the account. Apparently I was responsible for a debt that I was not informed of. I called back Toyota Financial Services and told them that I would pay, but I needed the account to show as if I hadnt missed those payments. The people on the phone acted understanding because the story makes sense and it would appear so in their system as they never made an attempt to contact me regarding the debt or made an attempt to collect the debt. They agreed that they would make the change in their reporting to the credit bureau. I paid the {$100.00}. Months passed, yet it was still on my credit report as Failure to Pay for 14 months. This significantly affected my ability to receive credit at good rates, costing me thousands of dollars. I have never missed a single payment in my entire life. In XXXX, XXXX, I spoke with them on the phone and they were horrified of the story, but told me that the call center has no control over credit disputes and that they cant change the status of any credit reporting. The department that handles that can ONLY be reached by mail. They have no phone number or other form of communication. Lets be real for a second. Does anyone think that this is at all efficient? I digress. I took the time and wrote a nice letter following guides on how to write credit dispute letters online. I wrote a nice letter explaining what happened and what I thought should happen and I got a single line response 2 weeks later saying that they verified its accuracy in reporting to the bureau. I had no idea what that meant, so I wanted to see if anything changed. It did not, so I filed a dispute with Experian to try to right this. They responded the same way that Toyota did. This was very upsetting. I called Toyota Financial Services XX/XX/XXXX again explaining the whole story. The first time they attempted to transfer me to a different department, I was hung up on. I then had to call back and tell my story again and be transferred. I then had to tell my story a third time only to be told that they still had no control. There was no way of anybody speaking to somebody in their credit dispute department. They also found that my account STILL showed as a balance was due. The balance due was {$0.00}. They informed me that they would escalate this to the dispute department so that it would show no balance due, but it is probably because it takes them 60-90 days and I just paid the balance in XXXX. I reminded the agent to check the year on the payment. It was XX/XX/XXXX, not XXXX. They still would not inform me of what they could do about their inaccurate reporting of a failure to pay for 14 months. They said they would escalate my concerns to the dispute department, which has no form of contact aside from hard copy mail. This has gone on to long unresolved. I cant keep falling victim to these companies who have no care for how their actions affect me.
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| 09/23/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Problems when you are unable to pay
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Web |
Older American |
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RE : LEXUS FINANCIAL SERVICES ( XXXX ) /TOYOTA MOTOR LEASING ( XXXX ) -In response to CORRESPONDENCE RECEIVED FROM : LEXUS FINANCIAL SERVICES : Dated : XXXX XXXX XXXX ( Enclosed ) / Correspondence received from Experian : Dated : XXXX XXXX XXXX Report number : XXXX - Results : Outcome UpdatedTHIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that claim for : Lexus Financial Services/ and Toyota Motor Leasing is disputed and validation is requested. Therefore, I would like to request an investigation/ and or arbitration hearing to resolve this issue. Fair Debt Collection Practices Act : The Consumer Protection Act was amended in XX/XX/XXXX to include the Fair Debt Collection Practices Act ( Public Law 104-208, 110 Stat. 3009 [ XX/XX/XXXX ] ). Congress passed the law to address the abusive, deceptive, and unfair debt collection practices used by many debt collectors.
As per your investigation, upon your review of my credit reports, from : ( XXXX/XXXX/ XXXX ) I am writing in regard to the above referenced accounts and transactions.
This vehicle was repossessed by Lexus Financial Services ( Original Creditor ) in the State of ( Georgia ) ) on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. ( See XXXX ) As per, '' TITLE 10 - COMMERCE AND TRADE CHAPTER 1 - SELLING AND OTHER TRADE PRACTICES ARTICLE 2 - MOTOR VEHICLE SALES FINANCING 10-1-36 - Disposition of motor vehicle repossessed after default ; right to recover deficiency '' O.C.G.A. 10-1-36 ( XX/XX/XXXX ) 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency ( a ) When any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his or her rights of redemption, as well as his or her right to demand a public sale of the repossessed motor vehicle. In the event the buyer exercises his or her right to demand a public sale of the goods, he or she shall in writing so advise the seller or holder of his or her election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the seller 's or holder 's notice emanated within ten days after the posting of the original seller 's or holder 's notice.
( b ) In the event of election of such public sale by the buyer, the seller or holder shall dispose of said repossessed motor vehicle at a public sale as provided by law, to be held in the state and county where the original sale took place, or the state and county where the motor vehicle was repossessed, or the state and county of the buyer 's residence, at the seller 's election.
( c ) This Code section is cumulative of Part 6 of Article 9 of Title 11 and provides cumulative additional rights and remedies which must be fulfilled before any deficiency claim will lie against a buyer, and nothing herein shall be deemed to repeal said part.
Therefore, these Respective rights of ( XXXX XXXX ) buyer, seller, etc., following repossession of motor vehicle sold under a retail installment contract were covered under Georgia Law, specifically Code Section 10-1-36 of the Official Code of Georgia. Under Georgia law, Since Lexus Financial Services failed to send the 10 day letter, and failed to validate this request, they ca n't demand payments for any deficiency.
Under the laws of the State of Georgia ( State where car was repossessed ) UCC ( Georgia 's UCC code )
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| 07/31/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I purchased a Certified XXXX Toyota from XXXX I did a test drive on surface streets, however, on freeway speeds over XXXX, the car shakes violently.
I purchased a XXXX Toyota Camry from XXXX Toyota XX/XX/XXXX. When I asked about the high price ; the salesman said that XXXX only sell " Certified Vehicles ''. As an older woman that was the selling point that sold me on this purchase. With my age and work schedule ; I have no time to take off for repairs.
I took the car for a test drive on the surface streets only per the sales persons ' direction. However, once on the freeway with speeds over XXXX to XXXX, the car shakes violently when slowing causing the vehicle to veer to left onto other lanes if caught off guard.
In addition, the car makes a whining sound that gets louder as you accelerate, when taking off from a stop, the car has a hesitation or slipping. sent an email XXXX/XXXX/XXXX immediately to XXXX ( the salesman at XXXX ), explaining the problem. He said I could bring it in, I did, they drove it and said they could not detect any problems with shaking and that it could be the balancing.
I had the car balanced, by a repair shop much closer to my job so that I could walk back to work, since XXXX could not detect a problem, they refused to provide a loaner or rental vehicle and I had to get back to work. The car was balanced. However, he said- it would not take an alignment.
Due to the violent shaking when slowing from freeway speeds, but the need to commute to work ; I had to get new tires several times. Then with everyday life and employment pressures, the issue was put on the back burner - I thought the problem to be a minor issue.
A couple of months later XXXX Toyota did another inspection, I let them know that the shaking was still there and asked could the car be inspected again. After sitting in the waiting room for well over 6 hours ; I was told that the car did not need balancing and they once again could not feel any shaking.
I have already filed with Consumer Affairs and other Consumer advocates ; nothing has happened except the offer of arbitration from an approved XXXX XXXX.
Then XX/XX/XXXX approx. 8 months after purchase ; I took off from work to take the car to XXXX because everywhere I went, they were unable to determine the cause. Once again XXXX Toyota Service could not detect any shaking when breaking, so I asked the Service mgr. could he drive the car on the freeway, which he finally did and according to XXXX 's service dept., my front Brake Rotors are Warped and the cost to fix them is over XXXX. I complained on Yelp regarding this issue ; and was contacted by a Public Relations person from XXXX Toyota who was rude and insulting, she was very irritated about my comments on Yelp, and basically told me my situation is too bad and that all she could offer me would be XXXX % off the repair because I waited too long to report the issue. I then told her that I had e-mail proof that I sent to the salesman 1 day after the purchase, she said that did not matter. I was then contacted by someone else who just confirmed what the XXXX XXXX said. XXXX Toyota is well known for selling cars extreme high interest rates, and rude behavior once the deal is closed.
I agreed to this purchase based on the great track record that Toyota vehicles have. However, since my last communication with XXXX Toyota, I have filed a complaint with Dept. of Transportation XXXX dept., ID # XXXX. They informed me that this vehicle year, make, model & vehicle ID # has over XXXX complaints, XXXX recalls and XXXX of these complaints were for the same suspension problems. ( I have copies of these complaints ).
My vehicle was sold XX/XX/XXXX and returned to the dealer for the same issue then sold to me XX/XX/XXXX, 7 months later as a certified vehicle without the needed repairs.
Most recent, faulty wiring within the
|
| 07/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I do not agree with the answer of your company, the answer that you assume does not respond in any part to my request. You are trying to say is that the dealer XXXX XXXX XXXX. number XXXX are responsible for providing me with a presumptive, deceptive contract and omitting the Federal TFS FCRA, they omitted the second and third page of the credit application and then made me enter a contract which they made me buy deceitfully and at the same time they sold to TOYOTA FINANCIAL SERVICE. Your response to claim XXXX does not respond to my claim. 1. In your text you state that the distributor is a separate company from you. 2. A dealer and a customer negotiate a transaction and the terms are documented in the contract / lease. 3. The contract / lease ( along with a credit application ) is sent to us for your consideration. 4. Because we are not directly involved in the negotiation process with the customer, we do not have first-hand knowledge of what happened at the dealership or what the dealership said at the time of the vehicle purchase about the arbitration clause. or the Vehicle Service. 5. Agreement that you purchased as part of the transaction. If you continue to believe that the dealer acted inappropriately, we ask that you work directly with the dealer to address their concerns. Are you trying to convey that the credit extension was done by the dealer? The credit transaction that paid for the car in full was made by you and then the dealer deceived me by making me buy the contract in which I gave my property to you? is that what you are trying to tell me? I will communicate with the dealer taking into account everything that you wrote to me.
This is my original Complaint.
I want to sue toyota financial services because in XXXX they made me a credit extension in my name in which after the credit transaction they made me sign a promissory note ( contract ) in which I delivered my property to them in a deceptive way. The contract that contained an arbitration clause that was never shown to me nor was I required to read, now in XX/XX/XXXX I got a copy of this presumptive contract that clearly shows the amount of credit that was taken in my name to pay the XXXX XXXX XXXX ( XXXX ) which was the product for which I signed a credit application and after they extend my credit and pay the car to the dealer number XXXX they made me sign a contract in which they discredited me as a debtor. This contract has many presumptive and deceptive clauses which I would never sign if that transaction were made today. I also have evidence of a guarantee that they sold me with the excuse that if I took that guarantee they would lower the interest of the car, an offer to which I agreed since it was an unfair deal to sell me their mandatory product, a product which I canceled after a week and the money was added to the capital balance on XX/XX/XXXX for the amount of XXXX this amount was also used from my credit with my consent but in a fraudulent and deceptive way, for that reason it was refunded to the account capital. I demand that I be given the amount of credit that they took in my name to pay the dealer and then they sold me a contract in which I delivered my property to them in a deceptive way. And if they refuse to pay me I will take them to court and they will have to show where they got the money from and show that credit transaction and I have proof that the guarantee that I canceled was put in the capital of the contract, that proof is enough to show that my credit was extended and you see I pay the car in full but not with their funds. 12 CFR 1026.36 - 15 USC 1692B- 15 USC 1602. I am the consumer, a natural person, none of the codes define me as a debtor and they defamed me in their contract saying that I am a debtor because they deceived me with their presumptive contract. 15 USC 1602h 15 USC 1602 I.
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| 05/17/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I went into XXXX XXXX in XX/XX/XXXX. I was wanting to buy a new car. The monthly payment was higher than why I wanted it to be, even with a trade in and my credit being excellent. They talked to me about the difference buying and leasing a car. I told him I had never leased a car and wanted to know how it worked. The guy said it was better because the monthly payment would be significantly lower and I could return the car whenever I wanted and I would just be off the hook with the car. ( He even did he motion where you wipe off your hands when you are done with something, indicating there would be nothing left to do. ) I went in to that same dealership in XX/XX/XXXX to see if I could trade the car in or how it would work. I was told the remaining balance of the lease would be added to whatever car I wanted to get and the value for the trade-in would only be {$13000.00}. I told them that was not how it was explained to me when I first leased the car and I thought my original trade-in, which I was given about {$5000.00} towards the new Toyota would still count towards another car once I decided to get a new one. I told them I didnt want to do anything yet and I would just wait until the lease was over. About 2 months ago I received a call saying my lease was almost up and they wanted to go over next steps. I asked how much it would be to buy the car if I wanted to keep it, they told me it was the agreed amount at the time I leased the car which is a little over {$16000.00}. I told them I was told in XXXX the car was valued at about {$13000.00} so why would they still sell the car to me for {$3000.00} more? She said that was the agreed amount and there was nothing she could do. I let her know I wasnt happy with my experience and I did not want to keep the car. She told me if I didnt buy the car or another car with Toyota I would pay a {$350.00} re-stocking fee. I became upset and told her that was never disclosed to me and it was unethical. She said it was part of my agreement and it would be in my paperwork so I had to pay it. I told her I would rather pay the {$350.00} than do business with them again. A few weeks ago I received another call from a guy that works at the dealership. He said he wanted to go over the terms of the lease since it was almost over. I let him know a lady from Toyota Financial had contacted me and went over it with me. I expressed my dissatisfaction with him about how my whole experience had been. I said I do not want to continue business with them and the {$350.00} fee wasnt disclosed to me when I signed the paperwork. He said he couldnt do anything and basically disregarded how upset I was. I looked through a few regulations and even though the fee is in the paperwork it was never disclosed to me verbally, which it should be. They are violating UDAAP and Truth in Lending by not disclosing the fees and misleading me into signing a lease for their car. I just had another employee reach out to me about the terms of the lease. I explained to him I have talked to a few people recently and expressed my dissatisfaction to him as well. I told him I wanted to return the car and if I just needed to return the keys. He said they had to evaluate the vehicle, he told me about the restocking fee, and other fees that would be charged depending on the condition of the vehicle. I let him know about the conversations Ive had with other people and how I am not happy with Toyota. Even after expressing my dissatisfaction different times to different people they did not do anything or even apologize. Instead they all had attitude with me, said it was in my paperwork and there was nothing they could do. More than anything it feels as if they are pressuring me to keep the vehicle by them telling me over and over about all these fees I will be charged if I don't keep it or get another car.
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| 02/28/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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To preface this complaint, I want it to be known, that because the errors I believe to have been made, were never looked into by my attorneys despite them promising to, and because this was an accident injury lawsuit, I could not begin to reach put to the various parties ( or rather they would even agree to speak with me ) until well after the lawsuit settled and parties were paid, that I began the long long journey into uncovering what happened. Along the way, I tried appealing to Toyota Motor credit, XXXX XXXX XXXX, all three credit agencies, XXXX XXXX ( my attorneys ) numerous collection agencies, XXXX Insurance adjusters and XXXX XXXX XXXX where the total loss leased vehicle met it's end.
Only XXXX XXXX 's XXXX XXXX, XXXX XXXX from XXXX Insurance and XXXX from XXXX XXXX XXXX replied and it is from those sources that I have think I have pieced together how Toyota Motor credit came to charging off {$5000.00} from a settlement that I had been told and believed was COMPELTELY paid off as part of the total loss status of the vehicle portion of my two-part lawsuit. And why it was a mistake and that I need to have this removed from my credit reports.
BACKGROUND ; I first came to learn of the charge-off by Toyota Credit , when many months after I had been lead to believe that the property portion of my accident lawsuit had been settled 100 %, I received my first warm and welcoming letter to pay up immediately or all sorts of horrible things would happen to me and my credit - a collections letter. I immediately handed to my incompetent lawyers at XXXX XXXX to get to the bottom of it and make sure my credit reports had this removed ( since it took much longer to settle the injury part of lawsuit -- I had the displeasure of dealing with XXXX XXXX for another year after the property or car portion allegedly settled ). XXXX XXXX promised they would take care of this weekly right up to getting paid for the injury portions settlement - where at least they stopped lying to my face and opted to never returning my calls again.
Toyota Credit had nothing to tell me, especially because by the time I was allowed to start calling people after my lawsuit completely settled, they had purged by charged off account.
From the three parties that each provided a piece of the puzzle, here is what happened.
XXXX XXXX subcontracted out the finalizing of the total loss claim and payment amounts Custard and I am enclosing the documents I will refer to now ; # 1 the Settlement Value document place the car value owed to Toyota credit at {$12000.00} # 2 are the calculations where XXXX made two errors in reducing that amount ( when informing XXXX XXXX what to pay to Toyota credit ) from the {$12000.00} to {$7800.00} # 3 is a copy of the payment for repairs ( prior to Collison opening up the car and seeing the damage was too extensive and now a total loss ) {$3100.00} # 4 is shows from my bank account the {$1000.00} deductible that I sent to XXXX XXXX for my deductible ( when I thought the repairs were happening still # 5 is a copy of the {$890.00} GAP purchase portion of the lease # 6 is from one of the three credit agencies showing the charged-off amount of {$5000.00} that I want removed from my credit reports.
So going back to # 2 adjustments. the 2 errors are the subtraction of my {$1000.00} ( as if I had'nt already paid it tp Collision ) and the {$3100.00} sent to Collision ) as if XXXX XXXX would collect that money back from them? According to XXXX at XXXX they were OWED THAT amount because of the long excessive storage fees due them while this was all being settled- so they never returned either my deductible or the initial repairs check and that about covers the shortage that Toyota was owed but never received.
One way to the other, I should never have been charged off for this shortage.
|
| 03/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I recently entered into a contract agreement and with Toyota Financial Services XXXX Toyota Motor Credit Corporation on XX/XX/XXXX. This contract/ retail installment agreement was for a new XXXX Toyota XXXX XXXX to be used to meet my family travel needs. I submitted a credit application for financing and my credit was checked and I was told I was approved under the condition that I provided a down payment. Upon checking my credit, I was told that i would need to provide a minimum down payment of {$500.00} to {$1000.00} or i would not be able to acquire the car. I agreed to sign once given the details. I was then given a retail installment sale contract with details outlined regarding the purchase of the XXXX and in the itemized details the cash price was {$49000.00}, which was advertised at a specific total of {$41000.00}. Toyota then accepted a down payment of {$500.00} cash. Furthermore, the dealership then continued to not give full disclosure of truth and lending. Also i was not fully disclosed and made aware that this was a consumer credit transaction. I was also not given my right of rescission as to this certain transaction of 3 days. This company has made many violations and has committed fraudulent and deceptive practices. They are in violation of the following laws : 1. 15 U.S. Code 1635 - Right of rescission as to certain trascactions 3 days.
2. 15 U.S. Code 1635 ( b ) - not liable for any finance charge or other charge, and any security interest, return to the obligor any money or property given as earnest money, downpayment, any property to the obligor, the obligor may retain possession of it.
3. The rescission forms are required by 15 U.S. Code 1635 and must be delivered together with a statement containing the material disclosures.
4. 15 U.S. Code 1662 ( b ) It is illegal to require any downpavment in connection with a consumer credit transaction.
5. 15 U.S.Code 1605 ( a ) finance charge sum of all charges insurance for the vehicle and insurance to cover health, life, accident, and gap insurance and NO CASH DOWNPAYMENT 6. 15 U.S. Code 1611 ( 1 ) ( 3 ) Criminal liability for willful and knowing violation fined up to {$5000.00} for giving false, inaccurate, and failing to provide information which is required to be disclosed 7. 15 U.S.Code 1640 ( a ) DOUBLE THE FINANCE CHARGE for each violation UCC 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. authenticated notification of disposition.
8. 15 U.S.Code 1605 ( a ) 1605 ( a ) No downpayments or any cash in connection with a finance charge.
9. The CONTRACT has been a one sided agreement.
10. 15 U.S. Code {$6800.00} ( a ) financial institutions must prevent unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 11.15 U.S. Code 6802 did not disclose to me my right to opt out of the disclosure of my nonpublic information.
12.15 U.S.Code 1692e ( 4 ) Threat of repossession is fraud and illegal in the collection of any debts. This is a right secured to me by this code herein and the 4th amendment of the U.S Constitution.
13. 15 U.S. Code 16921. Unfair practices threat to seize or take 14. 15 U.S.Code 1692j False and deceptive form ( contract ) 15. 15 U.S.Code 1692k civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, 16. 16 CFR 433.1 ( b ) seeks or acquires goods or services for personal, family, or household 17. 16 CFR 433.2 ( a ) invoking my right as the debtor to assert all claims and defenses Further more I have not received any response back regarding the notarized letters, documents, affidavits, and requests. The attached files show everything I have sent and delivered through postal mail which was registered mail. See attached files that outline receipts and etc.
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| 11/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
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Web |
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XXXX XXXX, 2014 I was hit by a women who ran a red light. This women received a violation. During this time I was trying to get somebody to listen hear me that my home was being illegally forced through a foreclosure. My credit was destroyed, my car was totaled that I owned and i was trying to recover from my husband losing his job after i became XXXX. Had to settle for a high interest payment on car, XXXX Toyota said I would be able to refinance in a few months with no problems, plus more. As time goes on, I was very hurt in accident, which today ca n't keep up on any treatment, not even a massage due to the time I spend beggin for help. I also had to continue litigating myself on home that I was about to lose and still fighting for. Everywhere I turned I was denied, loans of all kinds. I had spoke to toyota, explained I set payments up through app and it does not work. They emailed me extention, I was unable to open. So after many attempts I let it go and continued to pay what I could. I spoke to Toyota again explained my hardship, and they happened during this past year. They then said I did n't pay XXXX. XXXX XXXX applied payment but toyota accepted my payment. I tried to set up another in XXXX they said no but then said I never called it in. they said I ruined over phone payments from return. I explained I 'm being banked charged, I canceled app payments, you never gave me extention but said you did, I never signed anything but told me in order for extention i had to.I said I can pay the car but need a fresh start. I paid XXXX XXXX, I paid XXXX XXXX on XXXX XXXX which was my daughters XXXX birthday. Toyota doubled from my acct. additional XXXX, XXXX payments when i set up two days prior only XXXX on site. After 1 hr in bank trying to resolve this, 20 min late driving crying to pick my daughters from school late, I then had to go back in with my daughters and sit another 40 minutes while I signed to reverse the XXXX XXXX payment.so toyota can say I bounced again, now I 'm catching on. Wasted, ruined my daughters birthday, sucked the joy out of that. Following day, XXXX wants to hear my hardship from Toyota and lecture me after I told her my dog had XXXX and I had to pay for her and so on and she told me I need to get help on managing money. I also mentioned I tried to trade car and well known dealership said my payment was outrageous and XXXX over market value. Quickly XXXX was at Toyota 's defense and wants to argue. The conversation was hopeless, I had to end the call as I knew where it was going. I had asked you, CFPB to help in this a few weeks back and Toyota responded they have nothing to do with payment options well on the site, which I mentioned to XXXX they have many options for help, I emailed them no response, I also mentioned that to XXXX she said no help for me I asked why? She said many reasons. I asked again " many reasons ''. I 'm not understanding this. If company 's are punishing me for getting help " CFPB '' involved, I do n't believe is a good answer. I 'm asking you for help because I 'm sick. Incase I ca n't follow up, it relieves some pressure for me. Today, I had a XXXX, over summer on my XXXX. Now why are these not within good reason? Now to also let XXXX know, my XXXX " just a dog '' as I was treated. If I did n't have this ridiculous car payment, I would n't have had my " just a XXXX '' as I am XXXX. Instead I would have given her a formal burial because she was my family. So thanks Toyota for not helping instead, just wanting revenge and adding to the stress in my life. I think as I use to work in as a XXXX for 15 years full time, I XXXX understanding people even if I never walked their shoes, I helped them and made them feel comfortable and not any less as a person. I had enough with all these bullies.
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| 03/01/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Problems when you are unable to pay
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Web |
Older American |
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Re : REQUEST FOR RE-INVESTIGATION XXXX Dispute - / FEDERAL CONSUMER LEASING ACT VIOLATION/ FAIR CREDIT REPORTING ACT VIOLATION/ FAIR CREDIT BILLING ACT VIOLATION AS Per : XXXX - Credit Report Number : # XXXX Date Issued XX/XX/XXXX : ACCOUNT ( 1 ) - TOYOTA MOTOR CREDIT CORP # XXXX : / Account ( 2 ) - Lexus Financial Services XXXX XXXX Credit Report XXXX # XXXX RE : Toyota Financial Services '' and XXXX Lexus Financial Services/ XXXX Debt Validation Dispute Re : XXXX XXXX XXXX, Consumer I am writing in regard to the above referenced accounts and transactions. This vehicle was repossessed by Lexus Financial Services/ Toyota Motor Credit ( Original Creditor ) in the State of ( Georgia ) on or about, xx/xx/xxxx, and resold on or about xx/xx/xxxx. Your review of the required appropriate documents and records, will determine and verify any descreprencies.
LEXUS FINANCIAL SERVICES/ TOYOTA MOTOR CREDIT FAILED TO COMPLY : Under the laws of the State of Georgia ( State where car was repossessed ) XXXX ( GEORGIA 'S state 's XXXX XXXX, you will need to look this up ) and State XXXX and XXXX statutes ; THEREFORE, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
I am in dispute of this erroneous inaccurate account as a result of its Loss-of Value/ and Express warranty. As a result, of this defect there was a breach of warranties, unjust enrichment, and violations of various state consumer protection statutes.
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
If no such proof is provided within 30 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
In addition, if Lexus Financial Services/ Toyota Motor Credit XXXX or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and State of Georgia XXXX XXXX.
In addition, I am writing to dispute XXXX XXXX Credit Reports [ name of accounts : Re : XXXX XXXX and aforementioned account numbers ] on aforementioned credit report numbers [ xxxxxx ]. The balance listed on the account is incorrect, disputable and unjustifiable.
Please delete the account. I am in dispute of these unverified, unreasonable, unaccountable charges. For example : As per : TransUnion Credit Report : File Number XXXX I am in dispute of the following discreprencies : The Maximum Delinquency was 60 Days in XXXX and XXXX.
This is unexplainable ; an Omission of dates in billing error is unacceptable.
Therefore how could there possibly be a past due balance of $ {$8300.00}. As per Terms : ( See Report ) _________x {$0.00} per month, paid Monthly for 48 months.
Please investigate the following : ______Correct Date of Last Delinquency. Per the Fair Credit Reporting Act, the Date of Last Delinquency is the date ( month and year ) of the first missed payment that led to charge off, collection, foreclosure or repossession.
I am in Dispute of the following : Lexus Financial /Toyota Motor Credit failed to provide XXXX XXXX XXXX Consumer with adequate pre- and post-repossession notices, and ( 2 ) attempting to recover unauthorized repossession deficiencies and expenses. Please provide the required documents.
I never received a Notice of Plan to Sell Property According to a class action lawsuit, after Toyota Motor Credit Corporation repossessed customers ' vehicles, it issued NOIs ( " Notice of Our Plan to Sell Property '' ).
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| 01/22/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Auto Loan # XXXX VIA EMAiL : XXXX To Whom it May Concern : Since XX/XX/XXXX, I have been trying to expedite the purchase of my XXXX XXXX XXXX from Lexus to XXXX XXXX XXXX. It has been nothing short of a nightmare. Here are the details.
Loan approved through XXXX XXXX XXXX Sent ALL requested paperwork to XXXX XXXX XXXX including : Lessees Odomotor Disclosure Statement Lessee/Purchaser Acknowledgement and the Disclaimer of Warranties Authorization for Payoff and Title Processing Cashiers check to cover down payment and taxes Numerous phone calls have been originated by me to both XXXX XXXX XXXX and Lexus on the following dates in an attempt to resolve : Lexus : XX/XX/XXXX ( XXXX ), XX/XX/XXXX, ( XXXX, XXXX ) XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX, ( XXXX ) XXXX ( XXXX, XXXX, XXXX ), XXXX ( XXXX, XXXX, XXXX XXXX ) ; XX/XX/XXXX ( XXXX, XXXX ), XXXX ( XXXX, XXXX ) On XX/XX/XXXX, there was a three way call between Lexus, XXXX and me the required documents were faxed twice by XXXX XXXX XXXX and mailed regular mail by XXXX.
On XX/XX/XXXX, I called Lexus and spoke to XXXX who informed me that they had not received any of the documents and in fact, had sent the two checks payable to XXXX XXXX XXXX in the amounts of {$22000.00} ( Consumer Credit Check ) and {$6100.00} ( Cashiers Check ).
I was further informed by XXXX at Lexus that I should void said checks and resend from my personal funds in the amount totaling {$28000.00} and include the documents that have been line itemed above. Oddly, Lexus faxed me the documents that they claim were not received in time.
Since this did not sound accurate to me, I once again called XXXX XXXX XXXX to see if I could resolve.
Immediately after hanging up with Lexus, I reached back to XXXX XXXX XXXX Auto Loan Department. After a 45 minute wait, numerous discussions wit XXXX ( who was also attempting to find the right person/department ) I was put back in touch with XXXX, a manager of the department who Id spoken with on XX/XX/XXXX as referenced above.
I explained the situation, XXXX referred to the prior months worth of notes and asked me to provide this detailed account of my issue.
At this point, she is as exasperated as I am. I have two checks, a bunch of documents and no answers.
On XX/XX/XXXX, I spoke to XXXX XXXX XXXX -XXXX who referred me back to XXXX who referred me to XXXX who referred me back to original loan officer XXXX XXXX . I left a message for XXXX. Note still unresolved On XX/XX/XXXX, I received an alert that Lexus was reporting me for unpaid lease invoices fir 3 months!
On XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX XXXX , re-explained everything again. She didnt know how to handle and was submitting an escalation request to funding dept. she said I would hear from someone in 2-3 business days. As of today, I have heard from no one from XXXX XXXX XXXX On XX/XX/XXXX, Lexus Financial called. XXXX wanted to know where the documents were. He reported to me that Lexus notated account that no documents had been received. And furthermore, they would not address the erroneous mark on my credit until this matter was resolved.
I re-explained the history. He put me in hold and When he came back on the line informed me that Lexus had the documents. I should send the checks to Lexus and provided me wirh a mailing address.
Now, the next problem is that the amounts to Lexus are not correct. Money is due back to me from XXXX XXXX XXXX since Ive been paying installment loan since XXXX.
I have to request reimbursement back from XXXX XXXX XXXX Can someone please expedite this to someone who can help me resolve this issue?
Thank you for your attention to this matter.
XXXX XXXX XXXX
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| 03/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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I had an issue today contacting Toyota Financial Services ( TFS ), regarding the current discrimination lawsuit settlement, and I feel it needs to be addressed. I purchased and financed the following two vehicles through Toyota Financial Services, during the affected period. The first in XXXX and the second in XXXX. I contacted TFS today to request the account number for the XXXX purchased vehicle. I provided my social, the vehicle VIN number, my address, phone number and all other relevant information that should have identified the account. The customer service representative advised me, that they only showed the XXXX vehicle, and did not see an account for the XXXX vehicle. The representative attempt to tell me, that the vehicle was probably not financed through TFS. I educated that the payments I make now go to the same address as the payments did for the XXXX. The representative then stated, its not uncommon for a dealer to finance with a third party and that TFS was probably just a pass through. I educated, well if that were case, then you would still filter that payment through your system since my bank draft was being sent to TFS. The representative continued to state, he could not find any other account for me, other than the XXXX. Through my persistence, and finally stating, I would also go through my bank to pull the old records from the draft which had to include the account number ; the representative asked to put me on hold which last almost 10 minutes, and he then returned stating he was able to have a tech go through another system and they were then able to locate my account and provide the information requested. Although they have agreed to the settlement, if they discourage affected persons calling in to get account information just as I did today, who may not be as persistent as I was, then this issue needs to be formally addressed. I am fortunate to use the payment system through my bank which would have had this information had they not provided, but many minorities pay such payments with money orders, XXXX XXXX, and check cards that would not maintain records. Many of the vehicles purchased from XXXX early XXXX may have already been paid off or traded and the only way for these individuals seek reparations related to the class action, would be for them to contact TFS to request their account information the same as I did today, in order to submit the eligibility form ; as the account number is required, both on the form, and in order to create an account on the registry site. From my experience today, I can verify with certainty, that TFS has placed roadblocks for anyone who doesnt have access to an older account that is no longer active. This will also include the vast number of repossessed vehicles as well. I dont remember my credit score in XXXX, but my current score is XXXX and I dont think it was that different then ; but my interest rate on the XXXX vehicle was 5.8 %. Im asking that you please continue whats been started to help others seek the justice they deserve. Also, I never received a letter or notice regarding this settlement. An attorney friend of mine happened to mention it yesterday and that was the first I've heard of this. TFS is not notifying affected parties. I would also like for the total cost charged to minorities to be looked into. XXXX XXXX state, these base model vehicles should have cost a lot less than what Ive paid for them. If you need to contact me, please do so by phone at ( XXXX ) XXXX or email : XXXX. Thank you for all assistance rendered.
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) TFS : XXXX TFS : XXXX VIN : XXXX VIN : XXXX Interest rate : 5.8 % Interest rate : 3.5 % Purchased : XX/XX/XXXX Purchased : XX/XX/XXXX Price : {$41000.00} Price : {$36000.00}
|
| 06/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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|
Web |
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I AM AWAITING A RESPONSE FROM ALL XXXX CREDIT BUREAUS.I have contacted the company, Toyota Motor Corp. on XXXX occasions in regards to account XXXX. My XXXX letter dated XX/XX/XXXX by Certified Mail and it was retuned as RETURN TO SENDER. They have the incorrect address online to correct inaccuracies.
The XXXX time I contacted them was dated XX/XX/XXXX. To this date they have failed to submit a response to me. They did respond my mail to my husband who had the joint account with me in which they used a stalling tactic stating they believe their records are true and used false dates with no explanation of what the dates listed were for.
What we both asked for in the letters submitted to them was for XXXX to correct the Rating Status that they had us both in to " GOOD '' and to erase the " POOR '' status they had us in.
I also contacted XXXX to correct the Hard Inquiries they have when I went to see if I should trade in my car and they have listed XXXX Hard Inquiry : Listed XXXX times by XXXX with different banks, dated XX/XX/XXXX and XX/XX/XXXX which should only be listed as XXXX hard inquiry. I said we were not interested any more in purchasing a vehicle and XXXX XXXX and his Manager XXXX XXXX insisted on calling every day to finance us with a used car. I have also contacted their company with no response. XXXX XXXX XXXX ( Dated : XXXX/XXXX/XXXX ) should be the only XXXX listed with the next XXXX as XXXX inquiry. Please see all the inquiries below and the date they had banks review my credit.
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXXI am not sure if this is common practice for XXXX to ignore a " Dispute Letter '' from a consumer in requesting a correction that XXXX has falsely reported on to my account. I am also not sure if it is common practice for the company to answer XXXX person on the account and no the other co-signor, if both signees wrote XXXX separate certified letters/mailings.
I just want my credit status rating to be recorded accurately and to reflect the true status of " GOOD '', since they have stated my account is " Paid as Agreed/Closed and Good '' XXXX did respond to my spouse for the very first time on XX/XX/XXXX, to his dispute, which had insufficient and inadequate information to validate the inaccurate reporting from Toyota Motor Corp Company to all three credit bureau agency 's ( XXXX, XXXX and XXXX ) in regards to his credit standing. The information XXXX previously provided ( from credit report viewing on XX/XX/XXXX stated that his account ( which is also my account { Joint Account } is in " GOOD STANDING / PAID AS AGREED / CURRENT / CLOSED '' and yet holds a " NEGATIVE/POOR STATUS ''. The status XXXX holds on ether of our accounts, on both of our credit reports is contradicting to what is written about my account by your company.
I kindly requested proof of payment showing late payments, how it was made ( form of payment ) and when it was paid on. XXXX never write me back.
They wrote on the letter that was sent to my husband, in which we both do not agree with, the dates XXXX listed with NO EXPLANATION : " The payment history reporting for this account is XXXX for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX and XXXX. " These dates, above, if meaning " late payment '' in these months, are incorrect! The information XXXX provided the credit bureaus do not even reflect the same dates. XXXX company is purposely providing and filing false information and refusing to provide the full investigation of my dispute and correction of my account that I am entitled to by law. They blatantly ignored my letter of dispute.
|
| 11/21/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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|
Web |
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I am writing to file a complaint against Toyota Financial Services. My father leased a Toyota Corolla on XXXX XXXX, XXXX. After being diagnosed with a XXXX in late XXXX XXXX, he passed away on XXXX XXXX, XXXX. His condition had developed slowly over a few months and our family was unaware that he was falling behind in his finances due to mental confusion.
After he had passed away, I received a notice by mail that the Toyota lease payments had fallen behind. I attempted to make a payment with cash via XXXX XXXX but they were unable to make the payment. So I made the payment through Billpay instead. My financial institution cut and mailed a physical check in the amount of {$390.00}. The check was issued on XXXX and cleared on XXXX.
XXXX Leasing repossessed the vehicle on XXXX XXXX, XXXX in the early morning XXXX working in conjunction with XXXX XXXX XXXX.
I made phone calls to Toyota Financial Services company on XXXX, XXXX, XXXX, XXXX and XXXX. I followed all of their requests to make payments to catch up and cover all of the fees.
I faxed all documents they requested including a Death Certificate and Certification of Trust.
On XXXX, XXXX, a representative in the Redemptions department explained the timeline that the car will be auctioned off on XXXX but if I paid all of the fees for the repossession of the vehicle, transport, late fees, daily storage fee, personal property fee, then they would release the vehicle to me as trustee of my father 's trust.
I made the following payments as requested : {$390.00} via Billpay ( check cleared on XXXX ) {$760.00} via XXXX XXXX {$490.00} via phone payment with a Toyota rep ( Filed an EFT dispute on XXXX after learning payment was never credited ) {$440.00} via XXXX XXXX on XXXX I scheduled an appointment with XXXX XXXX XXXX, a car auction company in XXXX California and paid {$60.00} for a money order to pay storage fees.
I obtained a Repossession Release Form from the XXXX XXXX Police Department.
After following all of the steps provided by representatives at Toyota Financial Services including XXXX, XXXX, XXXX, XXXX, and XXXX, I was informed on XXXX by XXXX that the vehicle could only be released to the accountholder, who is deceased.
I am the trustee of my father 's trust. I have the fiduciary role of managing all assets and property in my father 's estate. I also made the case that Toyota is better off maintaining the existing lease agreement rather having to the auction the car.
I asked XXXX to escalate the call. He asked me to hold while he talked to his manager XXXX. After waiting on hold for 20 minutes, he said she was too busy to talk. She would call me back.
As of XXXX XXXX on XXXX XXXX, I have not received a call back from the XXXX, a manager in the Redemptions Department of Toyota Financial Services.
Here 's my request for Toyota : Return the vehicle to me as trustee for my father 's trust. The lease is for 3 years. As of XXXX, there will only be 2 years left on lease. I will continue to make the payments for the remainder of the lease. At the end of 3 years, I will return the vehicle as specified in the lease agreement. That is win-win for Toyota Financial and for my father 's trust.
It seems like a fair request.
Please help me to resolve this matter.
I will attach documents as listed below including my detailed complaint including a detailed account of all calls made to Toyota Financial Services.
Thank you.
Attachments : XXXX XXXX receipts -Copy of lease -Repossession Release Form -Money Order -Payment Notice -Death Certificate -Certification of Trust -Vehicle Registration Renewal -Complaint and Call Log -Copy of check issued on XXXX and cleared on XXXX -Copy of XXXX transaction processed for phone payment on XXXX
|
| 11/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
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Web |
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I went to Sterling XXXX XXXX on the XXXX XXXX in XXXX, TX on or about XX/XX/2016 and traded in my XXXX Toyota Avalon for a XXXX Toyota RAV4. I was told I was approved for a loan to buy the car with Toyota Financing. At closing I was told NOT to date anything. In addition to signing the standard contract I was told to sign and make initials in an electronic system that I could not see what I was signing. I drove the car home that night with the car salesman who rode back to my apartment to sign on the line he instructed me to on the back of the title. The next day the salesman informed me I signed the back of the Avalon title on the wrong line. I was going to come in to sign on the correct line the next day and when I called him he told me I did n't have to. I still have the copy of my temporary car insurance from XXXX XXXX that was printed for me that day. XXXX XXXX called me after the dale saying they would like to refinance my new car for me claiming they could get a better rate and lower my payment. Then I received correspondence from XXXX XXXX Bank and XXXX denying financing for the car dated just after XX/XX/XXXX. I went back to the dealership on XXXX, because I had a light on in the car. The dealership had me sign a document to about the extended warranty I had purchased at closing. I never received a bill from XXXX so I called and was given my account number from Toyota Lexus Financial Services and I made my first payment on XX/XX/XXXX over the phone directly from the same checking account. I was told what my Tohota Lexus account number was. I received a XXXX XXXX receipt and noticed it did not have myy middle initial. There was an on going investigation by XXXX Police for vaious forms of fraud including the XXXX account I can not close today. My bank statements are incorrect and the credit card and the bank drafted on XX/XX/2016. That is the date I went back to Toyota and had air put in the tire and it is the only date I was allowed to sign. Later my bank statements continued to have incorrect dates corresponding with what XXXX XXXX wanted them to show. A renters claim was made by me and XXXX XXXX denied it. I was told that my renters policy covered theft but not identity theft. I plan to appeal. I went into the XXXX XXXX Toyota dealership and spoke to the general manager. They tried to cover it up and denied any wrongdoing but my credit repots and what I got in the mail and on the computer indicated there was a Lease Trust,. After I had made two more payments but was n't getting credit I rsaw there were multiple accounts. All the payebts are accounted for in the additional staqtements I received at XXXX different addresses. I was getting alarming calls on my XXXX phone claiming I was 45 days late on the payment. Later, more calls came ffrom Toyota Financing harassing me when I was two weeks late. Finally, I realized my phone was synched to my ex husbands phone. I could see his portfolio and all the companies he had been making bets with. The phone had a history of numerous Trusts and Global information for the stock market. My mail while I lived in XXXX was stolen, my {$24000.00} annuity was taken XX/XX/XXXX and this car I thought I was buying had been securitiaed and I managed to downloan some information about Toyota Financial Services, a limited liability corp.. Later, XXXX sends a copy of my accounts. My electricity company, my lease, my internet and my XXXX ALL are limited liability corps. XXXX XXXX did help my ex husband refinance but to who if not XXXX? XXXX is the only party that had my correct address but sent numerous letters claiming the US Postal Service informed them a permanent change in my mailing address. Its a mess! XXXX XXXX Toyota on the XXXX XXXX permitted the frau
|
| 07/10/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had a debt of {$2800.00} with Toyota Motor Corp after my lease was turned in. The debt was sent to a XXXX XXXX XXXX ( collection company ). In XXXX of XXXX I agreed to a payment plan with this company to withdraw {$100.00} monthly from a bank account that I set up strictly for this debt. In XXXX of XXXX the debt was paid as money was no longer debited from my account. In XX/XX/XXXX I closed the account. I worked the math and the debt was paid off in the amount of {$2900.00} ( XXXX too much ). In XXXX of XXXX I receive a letter from another collection company, XXXX claiming I owe an additional {$100.00}. I immediately called them and placed the account in dispute telling them that I have proof the account was paid in full. On XX/XX/XXXX I called them back to see if it had been resolved and I was told that the account could not be accessed because it was placed in dispute and that I should wait a little longer. On XX/XX/XXXX, I also tried to contact Toyota Financial, but they could not talk to me about it because it was in collections and I had to deal directly with XXXX On XX/XX/XXXX I emailed a letter to XXXX stating my case and asked them if I can send them all the proof I had that debt was paid. Later in XXXX I receive a letter from XXXX ( letter is not dated but I have the envelope that is dated XX/XX/XXXX ) that includes my payment history with Toyota and XXXX combined. The payments listed to XXXX were not correct and didnt make much sense ( wrong dates and amounts ). I've called XXXX several times ( all have been documented ) and nobody can help me because the account is in dispute and I just need to wait until someone contacts me. My last call to XXXX was on XX/XX/XXXX with the same answer. On XX/XX/XXXX I receive a call from XXXX from a girl trying to collect the debt. I told the girl that I needed answers as I did not owe this. XXXX claims that she looked into it and it was in fact in dispute and she couldn't help me. On XX/XX/XXXX I received a call from XXXX, yet another collection company trying to collect this debt. Once again, I explain my situation. The guy said he couldn't see anything on my account, but he would look into it and get back to me. I left him my cell number as well as my work number that he called me on. He left me a message on XX/XX/XXXX that he had answers for my on my debt. ( I was on vacation had had terrible service so I didn't call back immediately ). I called back on XX/XX/XXXX and talked to the same guy. He now tells me that an additional {$120.00} charge was assessed on my account from Toyota for in XXXX of XXXX for personal property tax on the car. WHAT? I told him that this couldn't be and that this is a mistake. He demeaned me because " I didn't understand the personal property tax rules in my state ''. WHAT? He tried to strong arm me to pay the small amount and get done with it. I told him I was checking into it which he snickered about. I DO NOT OWE this money. I have every bank statement showing all my payments. I have every single date and time and notes of my calls. I have a copy off my email. I have everything I need to prove that this debt has been paid in full. I feel at this point that I have done everything right and paid my debt and try to square away any issues that came up after it was paid off. I have been disregarded by each company and at this point I am being harassed. Every call should have been recorded from these companies as they stated that disclaimer at every call. If this has is a scam and my information has been stolen from Toyota this opens up another issue. I am furious!
As a side note : I have every bank statement showing XXXX XXXX debits but will not attach them in this email. If needed for further use, I will provide
|
| 07/20/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
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Web |
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Dear Sir/Madam, I am writing today to get a resolution regarding my transaction with XXXX XXXX XXXX. I sincerely wish to resolve this case, as I believe it was not an ethical transaction. Below you will find the details of my transaction.
On XX/XX/XXXX I went to trade in my XXXX XXXX, that I purchased from the XXXX Toyota XXXX for {$18000.00} in XX/XX/XXXX. It had XXXX miles when I decided to trade it in. At the time of the trade, I had already paid {$12000.00} on it, and owed the dealer {$6000.00}. At the time of the trade in, XXXX XXXX was ran an ad that said I was going to receive {$13.00}, XXXX. When I went to the dealership I thought I would pay the difference between what I owed on the XXXX XXXX, and the new car XXXX for a total of {$24000.00}. The ad that XXXX Toyota was running at the time stated that they were offering 0 % financing. However, when I got the transactions started, the salesperson tried to convince me to lease the car for 36 months ( full maintenance provided ) with one month free. However, the ad they ran stated they would offer 3 months free for leasing. After spending a considerable amount of time, I was overwhelmed and tired. I was ready to walk away and go back the next day, but I was pressured into signing the contract, with the caveat that I had 3 days to cancel it. In the end I ended up paying {$1000.00} down ( not sure what this was for ) and $ 300 month for leasing.
As soon as I got home, I realized that I had signed on a bad offer, according to which I was going to get only {$11000.00} trade in value for my car instead of {$13000.00}. I also was paying {$1000.00} down ( not sure for what ) and instead of {$24000.00}, the total price of my new car came out to be {$28000.00}. I was also charged another {$510.00} for document fees. My total lease charges per month were going to be {$230.00} but instead I have ended up with {$300.00} per month. In addition, I am also now responsible for the third year of maintenance of the car which was not how the dealership had initially advertised it.
On the second day when I went back to get some relief for the misrepresentations, the salesperson started yelling at me. I made a video and asked to speak to the manager. I was told that the manager was off until the following week. The finance manager XXXX XXXX talked to me, apologized for the rude behavior and offered a {$500.00} as a courtesy. XXXX, however stated that he would not be able to change the terms of the lease for me. I also asked the dealership to apply the payment I had made towards my XXXX ( the first car ) for the month of XXXX, and they refused to refund my payment or give me any further considerations. My daughter intervened and the same rude behavior was exhibited to her as well.
In the end, I decided to call Toyota and spoke to XXXX in the complaints area. XXXX told me that I had a case, and she issued a case number XXXX. I did get a call back, and Toyota stated that I had received {$500.00} and no further adjustments would be made.
After my transaction, I kept seeing the ad for several weeks, where the dealership made the offer for 3 months lease free. To date, I have made two payments and would very much like to resolve the case before I make the third payment. Any help from your office would be greatly appreciated. Innocent customers should not be subjected to pressurized tactics, not to mention that businesses should not make offers that they have no intention of honoring. I will wait to hear from your office at your earliest convenience. Please reach me via email or my phone both of which are listed below my name.
If you need any documents please let me know I ll be happy to provide all documents XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX
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| 06/10/2015 |
Yes |
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- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
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Web |
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On XXXX XXXX, XXXX I sent the following correpsondence to Toyota MotorTo Whom It May Concern : I recently received correspondence indicating that I am being sued by Toyota Motor. I am writing this letter to inform those involved of the circumstances surrounding my account falling delinquent. After the birth of my child in XXXX XXXX I was deemed permanently XXXX due to complications with XXXX and XXXX XXXX. After several attempts to return to work full time, I was awarded monthly XXXX XXXX benefits in the amount of roughly XXXX a month. Since I was not qualified for XXXX until XXXX years after date of XXXX, I had to pay XXXX a month for my XXXX a month out of pocket. In XXXX, I was awarded XXXX however I had to buy additional insurance to cover this therapy. Luckily, I started attending XXXX University in XXXX, which offered insurance with out of pocket cost of XXXX every XXXX months. Yet still my prescription plan does not cover my XXXX at full price. In XXXX XXXX, before I started my therapies, I was hospitalized XXXX times for XXXX complication, and essentially caused me to lose my part time job the last time. My XXXX income helps me take care of my XXXX year- old, purchase my medications, childcare, food, bus fees for school travel, rent and utilities. I do not qualify for any assistance at all because of my XXXX allotment, with the exception of childcare assistance for school that covers only half my son 's tuition. I also had XXXX from XXXX to XXXX due to my sister 's inability to care for her at that time. In order for me to take care of my son and myself I needed my car. I was put in an awful position when Toyota repossessed my car even after I explained my situation. I even attempted to pay the XXXX late car payments the day my car was repossessed but no one would speak to me. I was told Toyota Financial did not want my business anymore because my payments were late. Recently my son 's father passed away, leaving me responsible for all expenses related to him as well. My circumstances are not typically, It was a risk I to accept a loan from Toyota financial however I did not think I would be facing the health crisis I am in now. I certainly did n't expect to be XXXX today and not physically capable of working full time. I am willing to pay Toyota the amount owed to them minus the interest and late fees. I only ask that I am given a logical amount of time to accrue the money given the circumstances. I have can supply my XXXX award letter if necessary.
Regards, XXXX XXXX XXXX XXXX XXXX, XXXX I went to court, and agreed to a consent judgement in the amount of {$8000.00}. I was told since I was not contesting the debt that I could pay it back if and when I was able to earn substanial gainful income. I was also told from the attorney representing the XXXX and XXXX that, he understood my hardship and even with this judgement my XXXX XXXX and Federal Student loan money were protected from garnishment. XXXX XXXX, XXXX, I checked my account to find that monies I transfered from checking to savings to distinguish between XXXX and book money for summer class was on hold. When contacting the Toyota and questioning why I was never notified of the levy, I was told by XXXX XXXX, " they did not have to let me know they were levying my account '' and I would need to wait to hear from them to get the levy removed. I called XXXX County court, they told me to contact the lawyers office again, as they could not hold federal funds by law. Prior to this I spoke to XXXX XXXX, and told her I could continue to submit documentation that my only income is XXXX however she said they will continue to try to collect. Now I have a levy on my account that is causing me more XXXX than needed.
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| 03/22/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Last XXXX I purchased a new car. This was a new experience for me. In the past I purchased used cars and paid cash. The following is the letter I sent to Toyota Financial Services Credit Dispute Team in XX/XX/XXXX : To whom it may concern, I XXXX purchased a Toyota XXXX through a broker in XXXX, Ca ( XXXX ). We are in a small town, so the vehicle was delivered from another larger dealership. My car came from XXXX Toyota. When I signed papers, I asked my broker how to make my payment, and he informed me that he is n't part of that, and Toyota would be in touch. After several weeks without any correspondence regarding my loan, I got out the loan agreement and called XXXX Toyota as that is the name on the loan agreement. I left no less than 10 messages over the following several weeks. I even knew the receptionists name, XXXX, from calling so often. I have never purchased a new car, and did n't realize that XXXX Toyota may not be carrying the loan even though they are on the paperwork. I could not understand why they would not get back to me and let me pay them. I finally got in touch with my broker to ask him for advice on how to pay my bill. He gave me a number. After hours of being shuffled between different people, I discovered that someone in the chain had failed to put in my mailing address on the financial paperwork, and instead had put in my physical address. One helpful man told me this was a serious error, because he was able to find my mailing address when he looked into the situation for me. And, my plates and tags arrived without issue to my mailing address, so the information I gave was correct. I also found out at this time that my credit has received a hit from all this. I have never missed a payment on any account prior to this, and find it extremely frustrating that I am the one paying for the address mistake. I asked the person helping me if Toyota could write a letter on my behalf explaining that the late payment was not my fault, but they said no. I would very much appreciate if this mark against my credit could be removed.
Please let me know if you need any other information from me.
Thank you very much, XXXX, Ca XXXX END LETTER Today is XX/XX/XXXX. My first contact with Toyota Financial was right around the XXXX of the year ( payment hit my account on XXXX ). I paid up my past due amount, and provided my mailing address, even asking her to read it back to me. I also requested automatic payment paperwork to be sent to me. I still have not received one piece of mail, phone call, or email from Toyota Financial since I purchased my car in XX/XX/XXXX. I called Toyota Financial today to discover if they have any information regarding my dispute letter, and to find out why I still have not received any correspondence. My mailing address was again updated. I was respectfully informed that a letter had been sent ( again to my physical address despite the fact that I included my mailing address in the letter ) rejecting my dispute. I then asked to speak to a supervisor in hopes that he or she could help with the dispute. He was extremely nice, but after looking into my situation he told me there was nothing Toyota Financial could do, and that my only option was to write directly to the credit agencies.
I understand that had I known more about the ins and outs of purchasing a new car, I would have been able to discover Toyota 's error more quickly, and avoided this credit hit. However, I do not see how an error in paperwork not committed by me is now reflected on my credit report. I had the intention, motivation, means, and impulse to pay my bill. Prior to this incident, I have had XXXX late or missed payments from my mortgage, or credit cards.
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| 08/31/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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In XXXX/XXXX/XXXX my ex wife and I XXXX both jointly bought a XXXX XXXX XXXX at a for {$42000.00} for a brand new vehicle, as I remember at the dealer the sales man told me that the only way they can approve me for a credit was only if I buy a new vehicle not an use one, I told the sales man that credit stragedy was not normal and he told me that it was n't up to them but from Toyota financial services, we did n't no better since we did not have too much experience in purchasing a new vehicle, previously we did buy another brand new vehicle XXXX XXXX they also Toyota did finance that vehicle we never was late on that car payment and there for we thought that Toyota was going to treat us better but they were worst they say the lock of our credit was very low score and there for the interest in both vehicle were high, in my case with the XXXX XXXX the interest was even higher at a rate of 17 % we agree to buy the vehicle because they told us no one was going to finance a new vehicle with the credit we had a at time, we gave them if I can remember well a federal voucher for an old vehicle worth about {$2500.00} plus another {$2000.00} in cash for down payment they told us that they need it more money down because the voucher was not enough, I told them that I felt discriminated just because of the federal voucher they did n't treat that as cash, I told the dealership that Toyota financial services was horrible, at the end our monthly payment was going to be {$620.00} a month for 72 months, we were doing pretty good in our payments but we fell due to high cost of living at the time, so I felt in keep up the payments but always I was trying eto keep up with the payments even if I was late, as soonest they saw we was not up to date they were harassing us to pay on time or they would repossess the vehicle they threat us about six times until XXXX XXXX they repossess my XXXX XXXX after almost three years of making payments and {$4500.00} in down payments, I called them and ask if they can help me out to recuperate the vehicle they told me that if I make a payment of {$1200.00} they would release the vehicle from the impound and also I need it to pay the recovery company wich I remember the name was XXXX their fees, wich was around {$400.00}, I told them I did not had that kind of money and that if they give me 7 business days I would try to get the money so I can recuperate the vehicle when I realize I could not come up with the money I ask them if I can pick up my belonging from XXXX they gave me an XXXX number and every time I was calling them they never answer or they put me on hold I never recover anything from the vehicle, then Toyota was calling me after all saying that I owed them {$5400.00} still after I paid all that money and lost it all, they gave this account to a collection services wich they also was harassing me everyday even at my job they was calling and they also was making threats at me that they was going to take me to court the name of this collection agency was XXXX I contact an out of state law firm we sued them under the FDCPA act and they settle that law suite the name of the attorney at law who represented me was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX telephone XXXX you can called them, I 'm trying very hard to remove thes collection from my credit report and it 's almost impossible to fight against these big financial company 's and I am tired of trying and my last hope it would be CFPB to fight for my rights because I believe they got everything and more and now they even hurting my credit history and score with all XXXX Credit Bureaus I feel they are discriminating me and can imagine how many other folks out there.
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| 01/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Servicemember |
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Hello CFPB, My name is XXXX XXXX, and I am writing a formal complaint against XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX.
On XX/XX/XXXX, my nephew XXXX XXXX, and a friend of his went to the XXXX XXXX XXXX XXXX XXXX dealership to purchase a new car. My nephew was APPROVED for the XXXX XXXX LC XXXX but at the highest APR available. This vehicle has an estimated value of {$95000.00}. I dont know what the vehicles MSRP was at the time, but the final sales price appears to have been {$140000.00}. My nephew did not want to place a down payment despite him having a high-paying full-time job and a successful business generating over $ XXXX. The dealership manager enticed him to find someone with good credit so 1 ) no down payment would be required, 2 ) the monthly payment could go down and, 3 ) help improve his chances of qualifying for a much lower APR.
I NEVER stepped foot into this dealership. I NEVER applied for the XXXX XXXX XXXX XXXX. I was very ill around that time and believed to have had XXXX. I was heavily medicated in hopes of recovering faster. I could not go anywhere and was not in any condition to do anything. Even if I was there to apply, I NEVER had the income to afford this type of luxury vehicle nor do I now. My income was only {$50000.00} at the time when I was employed as a Branch Manager for XXXX Bank. My credit score has always been in the XXXX and my family is well aware of that I dont live an extravagant lifestyle.
I can not understand how XXXX XXXX of XXXX XXXX made ME the primary borrower when I NEVER stepped foot into that dealership, nor did I interact with anyone regarding this matter. An exceptional credit score does not equal the ability to repay but thats what this dealership seems to believe. I also learned the vehicle title is ONLY in my nephews name which seriously raises questions about their business practices.
Toyota Motor Credit is their in-house financing and I suspect that they inflated and manipulated information to make it appear that I was a high earning individual that was present and to add insult to injury, nearly {$50000.00} worth of warranties was added. No bank would approve something as outrageous as this.
The dealership manager had something insidious planned and its clear that his goal was to upsell as much warranty as he could since the monthly payment significantly went down. It infuriates me that my information was used, and that this dealership used unethical high-pressure sales tactics to make the sale go through in their favor. According to my nephew, the dealership manager coerced him to add more warranties so the banks would see it as favorable with less risk and increase his approval odds.
I heard that some of the sales people that worked there left due to the unethical and illegal sales practices in this dealership enforced by their XXXX XXXX. Look into this.
My nephew, XXXX XXXX simultaneously lost his full-time job and business and has been struggling to make his monthly payments since last summer XXXX. I have been receiving daily automated calls from XXXX, phone # XXXX since then and I recently began receiving calls from Toyota Motor Credit, phone # XXXX. I spoke to someone from the XXXX number, and they understood the situation, but nothing could get resolved. I received several calls from the XXXX number in the last week of XX/XX/XXXX but every time I answered, the call would drop after 3 seconds of dead air. I feel harassed and want this to stop. Ive received over 70 calls This has caused me financial harm and I want my name removed from the loan. I am also seeking financial compensation for the financial harm, the emotional and mental distress this has caused me.
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| 12/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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Due to inconvenient circumstances, I was not able to make my payment to Toyota Financial Services. My payment was late for about 4 months and they repossessed my vehicle. After making my payments, I picked up my car from XXXX XXXX XXXX, XXXX, NJ. The car was parked in a very small place the middle of the woods behind a truck company with many other severely damaged cars and they were all surrounded by a small fence. My vehicle was in a setting that one would not imagine a {$40000.00} vehicle to be in. However, after picking up my car, I noticed a dent in my driver 's door and the XXXX worker who had picked up the vehicle admitted that it was hit while it was parked there. I then filed a police report and decided to obtain an estimate for this damage. It was about {$2300.00}. After numerous tries of contacting XXXX, who hit my vehicle and never repaired it, I decided to repair the car myself. At this time, I was expecting my monthly car bills from Toyota Financial Services. After four months of waiting, I never recieved my bill. However, last night, XXXX XXXX, 2016, XXXX men came to my house around XXXX XXXX. They woke me from my sleep and asked for the vehicle and I refused to give it to them because I have n't received any bills from my lender. This man disrespected me, my wife and my daughter. He called my daughter uneducated because she did n't know what a lien was. He was mocking me for working at XXXX XXXX, and he threatened us by saying " I 'll bring a chain saw to cut this lock and take the car. '' The only reason he rang my bell was because the car was in my driveway, which was locked. We felt very threatened because Toyota Financial Services has caused consumers like myself to feel anxious and scared because they 're sending people who are telling me that they are coming back with a chain saw to cause damage to my private property, my drive way and maybe even myself. This caused me and my family and my little children to be very scared to the point where we stayed up all night to be ready to call the police at anytime. He also told me that he would show up at my job and that it when he mocked me for working at XXXX XXXX when he said " i will see you at XXXX XXXX '' as I responded with " Okay '' and he continued to ask me " which one? '' in a mocking voice, which I was very offended by. I am filing this complaint because they never sent me any bills so I can pay. I never used online payments so that ca n't be their excuse. The last bill I received from them was on XXXX/XXXX/16 with an amount of {$1900.00}. Also, in the past couple of years of experience with them, i never had to make a call to receive a payment nor make a payment. I always received my payments regularly and it is not a mailing issue because they have my address and I recieve all my other mail on a daily basis normally. This issue is strictly Toyota Financial Services not sending me my bill and then wanting to repossess my vehicle for no reason. The first repossession not only caused physical damage to the vehicle but it caused financial damage for me because I had to pay a total of {$2400.00} just to get my car back which included a {$450.00} fee and another {$690.00} payment to the XXXX guy just to take my car from his grotesque " parking lot '' in the middle of the woods. With this, you can see that I payed {$3100.00} just to obtain my vehicle even though I owed {$1900.00} in payments. So, if i had to pay an extra {$1100.00}, I certainly would not want it to happen again. Therefore, it is their fault that they are not sending me my bill because If i received it, I would have made my payment to avoid all the hardships I had to go through because of them.
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| 07/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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In a recent review of my credit report ( XXXX XXXX ) I noticed Toyota Motor Credit Corporation added inaccurate information to a trade line on my credit report that had previously been listed as paid and closed for the past five years. During my annual review of my credit report back in XXXX XXXX, I inquired about the TMCC account still remaining on my credit report after ten years and requested information be provided to validate the accuracy of the trade line and/or have it removed. Upon my request from the credit bureaus for information regarding the validity of the trade line, I was prompted to start and open an investigation per the credit bureau protocol re : the TMCC trade line. After providing the necessary information to the credit bureaus to assist with the TMCC investigation, I was given a file confirmation number as well as a tentative date when I could expect the investigation to be completed. XX/XX/XXXX I received documentation from XXXX credit bureau ( XXXX ) that the TMCC investigation had been completed and new information had been provided to update my credit report. Upon reviewing the updated information I received in the mail from XXXX re : the TMCC investigation, I became aware of the inaccurate information that TMCC had provided to the credit bureau. In the updated information TMCC provided to the credit bureau ( XXXX ) TMCC changed the {$0.00} balance paid/closed trade line that had been listed on my credit report since XXXX/XXXX/XXXX to now stating that in XXXX XXXX I owe a balance of {$9400.00} which was conflicting information previously stated on my credit report for the past five years. From XXXX XXXX to XXXX XXXX the TMCC trade line listed a {$0.00} balance paid/closed. The new information that TMCC provided to the credit bureau was completely conflicting and contradictory from the previous information TMCC had listed on the trade line for the past five years. After reviewing the new information TMCC had provided to the credit bureau in response to the investigation, I immediately contacted the credit bureau ( XXXX ) informing them of the discrepancy and inquiring about what action I can take to have this TMCC trade line discrepancy rectified. During my conversation with the credit bureau rep, I inquired as to what information TMCC provided to validate the new information? The credit bureau rep replied that no hard copies of any sort with my signature or any tangible documentation was provided for validation. The only response from TMCC for the new information TMCC provided to the credit bureau was that was the information TMCC had on file in their computer system regarding my account. I questioned the legality of the investigation and how it was possible for TMCC to suddenly have information in their computer system in XX/XX/XXXX stating that I owe a balance of {$9400.00} when from XXXX/XXXX/XXXX ( listed on my XXXX XXXX XXXX report and on my XXXX XXXX XXXX report ) to my inquiry in XXXX XXXX the account had shown {$0.00} balance and current/paid/closed. I also informed the credit bureau rep that I had requested a payment account history from TMCC back in XXXX XXXX and I was told by TMCC that no information was on file in their computer system for my past account and there was no information TMCC could provide me at the time of my request in XXXX XXXX. After further discussing the outcome of the TMCC investigation with the credit bureau rep, and being informed by the credit bureau rep that the credit bureau was unable to assist me further ; I felt the only other recourse I had was to reach out to the Consumer Financial Protection Bureau for assistance with this TMCC matter.
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| 11/30/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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XXXX XXXX XXXX Called Toyota Financial Services to defer our auto payment with our lease for XXXX due to losing a job and my mother being XXXX. Upon speaking to the lady on the phone, she had stated that she can grant 3 deferred payments up until XXXX XXXX. Stated that they will notate the file. We would have to pay a deferral fee of {$73.00} and sign the document that they will be sending. We then signed the docs and sent back.
XXXX XXXX XXXX Called Toyota Financial Services upon receiving notices that we were behind on our payments. We spoke to another lady over the phone saying that the deferral payment was never received and that the deferral for 3 months was not even approved! Then stating that they can not give a deferral for that long. Asked to try and correct it and stated that their manager declined it. Keep in mind we have much less income due to being out of work and my mother being XXXX. I had asked to transfer me to someone that can approve the deferral and she stated that she cant. Also stated that no notes were even left. So i asked to have someone review the first call since i was clearly lied to. Lady stated they will review it and return my phone call in the next few days.
XXXX XXXX XXXX Called Toyota Financial Services again due to not receiving any call back regarding our account. First thing they stated is that I 'm two months behind on my payments and there is late fees applied. Stated with that rep what i had just went through with the last two people i spoke with. He said that was unacceptable and that they will review my file and return my call back regarding this matter within the next few days.
XXXX XXXX XXXX Called Toyota Financial Services due to not reviewing any calls back yet again! I stated the issue and they stated that they have called many times and stated that VOICEMAIL was n't set up. THAT WAS A LIE. Spoke about my situation and the rep said that he will get a hold of a manager and see if they can have it approved to resolve this issue. I was then put on hold for about 20 minutes, just for the rep to say that it was approved and that i would need to make two payments of {$73.00} to cover the deferrals for those two months. I made that payment and they stated they will mail the documents to sign. I said perfect and hung up.
XXXX XXXX XXXX I received a letter from Called Toyota Financial Services stated that i was three months behind and that they were going to REPO my car if not paid! I was livid! So I called Toyota Financial Services and spoke to two other people for them to tell me the same things I 've been told already. This time, the second rep i spoke to stated that they will review the calls and if they promised 3 deferrals then they will honor it. Promised they will review the calls and call me back.
XXXX XXXX XXXX I received a call back from the same rep stating they can not approve the deferrals because a manager had already declined it! WHY COULD N'T THEY JUST SAY THAT YESTERDAY!? I had asked, have they even reviewed the calls of your reps clearly lying to me making fake promises. Rep had stated NO, she has n't reviewed any calls. Instead, the deferral payments i just made, were applied towards my balances instead. Also stated that they cant help us because my account isnt current! They were originally current when i first called them! I 've been lied to many many times and have had no help what so ever regarding this situation. Now we are upside down {$950.00} of payments that we can not pay. This company needs to be shut down and sued for all the frauds and lies they 've done to people.
|
| 07/10/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Problems when you are unable to pay
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|
Web |
Older American |
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Lexus Financial ServicesXXXX. XXXX XXXX XXXX, IA XXXX - I am in Dispute of - THE RESULTS OF YOUR INVESTIGATION - FILE NUMBER- XXXX - DATE ISSUED XX/XX/2015TOYOTA XXXX XXXX XXXX # XXXX ( Enclosed ) Equifax- I am in Dispute of - THE RESULTS OF YOUR INVESTIGATION -CREDIT FILE DATED : XXXX XXXX XX/XX/XXXX Confirmation # - XXXX / of RECEIVED : XX/XX/2015 ( ENCLOSED ) EXPERIAN - I am in Dispute of - THE RESULTS OF YOUR INVESTIGATON - CREDIT FILE DATED- XXXX XXXX, 2015 - REPORT NUMBER- XXXX RECEIVED : XXXX XXXX, 2015 ( Enclosed ) To Whom It May Concern - REINVESTIGATION RESULTS/ BILLING ERROR DISPUTE / INACCURATE ACCOUNTIn response to CORRESPONDENCE RECEIVED FROM : LEXUS FINANCIAL SERVICES : Received on XXXX XXXX 2015. Dated XXXX/XXXX/15 : ( See Attached Copy ) Re : XXXX - XXXX XXXXThis account number does not correlate with the account numbers listed on my credit reports from the aforemented above credit reporting agencies. I am in dispute of this misleading inaccurate deceptive statement. To be more specific, this statement does not give accurate details. For example, the VIN number for this account should be included on your statement.
Subsequently, inaccurate financial reporting may be the result of carelessness, lack of information, misinterpreting data or dishonest employees. Whatever the cause, the results can range from inconvenience to major problems. As a business owner, your company needs to be cognizant of the potential problems and be sure that your accounting is managed correctly. To take this action a step further, " The FTCA breaks down an " unfair or deceptive act or practice '' into XXXX different legal standards : XXXX for unfair, and another for deceptive. A party is in violation of the act when they are found liable under either or both of these standards. Most important, " An unfair act or practice under the FTCA is one that can not reasonably be avoided by the consumer ; and causes, or is likely to cause, the consumer some sort of injury. The act or practice by the business will also be either no, or very little, benefit to the consumer. An act or practice is considered deceptive when it involves a material representation or omission that is reasonably likely to mislead a consumer. A representation or omission is material when it is an important or main reason for the customer 's decision to purchase the good or service. There is no need to establish intent to deceive in order to find a company liable for a deceptive act or practice under the FTCA ''.
I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with ( you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted LEXUS FINANCIAL SERVICES / XXXX XXXX XXXX agency myself and have been unable to get them to verify that this is indeed an accurate debt. First and far most, this letter is a formal notice that : Account 1 ) : XXXX LEXUS FINANCIAL SERVICES XXXX Account : XXXX - is an inaccurate account. This is the first inaccurate Noticeable point, I would like to imprecise. Next, Account 2 ) XXXX XXXX XXXX XXXX - Account : XXXX is an inaccurate account. ACCOUNT 3 ) XXXX Account : XXXX.
Therefore, this account is apparently a BILLING ERROR DISPUTE/ OR fraudulent account. Your re-investigation will determine, there is certainly more than one creditor, for the same vehicle/ with the same- Vehicle Identification Numbers ( VINs ) - Vehicle Identification Numbers are unique codes given to each on-road vehicle in the United States XXXX
|
| 03/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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On XX/XX/XXXX, I contacted XXXX XXXX XXXX regarding my XX/XX/XXXX payment. I had made the payment prior to the loan going 30 days late. This was during the time of Hurricane Irma. I was made aware that my company 's direct deposit was not going to go through. When I contacted them, I stated that the payment was going to be returned and was asked if they can help with a forbearance for my XX/XX/XXXX and XX/XX/XXXX payments. At that point, I was informed that since the payment hadn't been returned yet, that I would have to wait and call back the next day. I called back the next day as instructed and asked them for the forbearance. When I called, the placed the forbearance on the wrong months. They placed it for XX/XX/XXXX and XX/XX/XXXX. Based on my phone call with them on both the XX/XX/XXXX and the XX/XX/XXXX, I questioned and was ensured that there would not be any late markers placed on my credit report. I called back on the XX/XX/XXXX and they corrected the month of when the forbearance was supposed to go through. I again was assured that since I was in a disaster zone that they would not report any late payments to the bureaus. I have been actively trying to resolve this matter with them via disputes directly with the bureaus along with contacting them. I have been unsuccessful. Every time that I contact them, they are rude and state to file a dispute with the bureaus. This is a very unprofessional tactic to get a customer off the phone and waste yet another 30 days. If I file a dispute with the bureaus, this dispute goes back to them, only to have them not fix anything since I've gone this route. Twice.
The reps from Toyota stated that this was not an issue on their end and that they can not fix it. I've spoken with numerous individuals since then trying to rectify the problem.
Most recently, I contacted them with my loan officer. We were given the runaround up until we finally were connected with an individual by the name of XXXX in the Iowa call center. We asked that they listed to their phone calls that I made back in XX/XX/XXXX to hear that I was informed that there would be no affect on my credit score. We were informed that they don't have access to calls past 90 days. XXXX was able to confirm the calls made to them along with the notes that stipulated that there were such phone calls made. For the past eight business days, we have been told be XXXX that she'd be submitting it for review. XXXX stated that when it was submitted, it was turned down because they couldn't listed to the phone calls to verify that the information provided to me was an error on their end. Even though all the notes and dates of phone calls in their system match my story and were confirmed. They have had every opportunity to listed to these phone calls within that 90 day window based on the calls that I've made to them in that time frame.
XXXX had spoken to us last week on XX/XX/XXXX and we were told that she has forwarded it on to corporate to review since she also didn't agree with the fact that they weren't going to update the bureaus. I have called everyday since then and have been told that there is no response back yet.
I am in the process of purchasing a new home and this account has made it impossible to be approved for my mortgage. My closing has been pushed back because if it. I am in jeopardy of losing my deposit and having a place to live since my current residence is under contract.
I've exhausted every option to rectify this with them. I have yet to hear back and find it unfair and question the legality of the matter.
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| 11/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Upon studying 12 CFR 1026.1 ( regulation Z ) I, XXXX XXXX, becoming aware that I DID NOT have informed use of consumer credit, thereafter, as a consumer, on XX/XX/XXXX via certified mail, sent a notice and demand to TOYOTA MOTOR CREDIT CORPORATION ( hereinafter referred to as " TMCC '' ) to provide me with the validation/verification of the purported loan/debt and any and all actual records of the organization " TMCC '' showing that an honest disclosure of facts relating to the alleged loan/debt was made in compliance with the Truth in Lending laws of the United States Code, Title 15 USC 1601 and Regulation Z ; Furthermore, we stated to " TMCC '' that their claim is disputed and that my response constituted a timely written response to " TMCC 's '' Fair Debt Collection Practices Act notice which stated that " TMCC '' is attempting to collect an alleged debt. My response and written notice and demand to validate/verify is not a dishonor of " TMCC 's '' alleged claim of debt, as stated in my written response which " TMCC '' received. Furthermore, I also sent a notice and demand to cease and desist collection activities prior to validation of purported debt. " TMCC '' received my written notice and demand to validate/verify alleged loan/debt along with a notice by me to cease and desist any and all collection activities prior to validation of purported debt via certified mail on XX/XX/XXXX ; " TMCC '' has not honored my consumer rights and has not responded to any of the demands listed above or any other of the inquiries listed in both notices sent on XX/XX/XXXX. " TMCC '' has yet to respond appropriately to the notarized demands sent ; furthermore " TMCC '' closed my online Toyota account without my permission without notice, without any awareness on my behalf -disabling me from being able to pay online ; In addition, " TMCC '' not only disregarded the notice to validate/verify alleged loan/debt, the notice to cease and desist but also failed to provide proof of honest disclosures in accordance with the law. " TMCC '' has, after receipt of mentioned notices, continued sending statements alleging the debt and have put out reports defaming my character and reputation with the consumer reporting agencies, in addition they have obnoxiously hired " XXXX XXXX XXXX XXXX XXXX '' to come and steal my automobile. " XXXX XXXX XXXX XXXX XXXX '' hereinafter referred to as " XXXX '' showed up to my domicile at a highly inconvenient time XXXX XXXX before business hours knowing that I work night shifts and didn't go to bed until XXXX XXXX obscenely knocked on the door waking our neighbors and my household in a state of alarm, shock, and confusion, as to the dishonorable, defaming, humiliating, stressful, and belligerent act ; when I stepped outside my automobile was already strapped in and " loaded up '' ( front 2 wheels off the ground ) on " XXXX 's '' tow truck ; as I was under duress and half dressed with no shoes on " XXXX '' audaciously demanded I give them the keys to said vehicle and threatened us with {$400.00} in charges if I didn't give them the keys to my XXXX XXXX XXXX XXXX XXXX with XXXX miles on it ; when I asked " XXXX '' who authorized the Grand Theft Auto of my vehicle " XXXX '' stated " Toyota Financial '' gave the order- As a result i had to file a police report with the XXXX XXXX POLICE DEPARTMENT on XX/XX/XXXX against " XXXX '' and " TMCC '' for Grand Theft Auto, and I am incurring expenses of missing out on work and expense of having to take my time in response to all of these violations.
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| 10/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have used the Toyota Financial Services app on an XXXX device since I first purchased the car on XXXX of XXXX and had never had an issue with payment processing. On XX/XX/XXXX I tried to submit a payment in the amount of {$770.00} and received the usual message that my payment has posted successfully. A week later I received a notification email that said my payment failed. I knew the funds were available but double checked that nothing funny was happening with my bank account activity and everything was good on that end ( I typically keep 3 months worth of income available in that account ). On XX/XX/XXXX I tried to process the payment again through the app in the same amount ( {$770.00} ) and again received a notification that my payment processed successfully, only to find no activity in my bank account and another notification a couple weeks later about a failed attempt to collect the funds. On XX/XX/XXXX I tried to see if a lesser amount would process and tried to send {$600.00} and received an successful and then failed notification. This happened again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. I contacted Toyota Financial Services on XX/XX/XXXX and the customer service representative and the manager both said it is a " known software issue '' where the app is not connecting with their payment processing server but that it has been fixed and to try again. I did try again on XX/XX/XXXX and XX/XX/XXXX until I got frustrated enough to take care of the past due amount over the phone and get the account current. The manager assured me that they were unable to do anything about the negative credit report unless I contact their " credit dispute research team '' which I did in XXXX and received a letter back saying their analysis showed that their original finding was correct and the payment was late. I explained everything I just explained above and sent a copy of an amended bank account statement for XXXX and XXXX to validate my claim. The audacity of this group to say that it is a consumer issue and not theirs yet have impacted several thousands of customers who, like myself, have ALWAYS paid on time reflects on their company culture and values. They have customer service representatives who are admitting that they have heard this same issue from many customers and are aware of the issue, but it is the customers fault! Does it make sense that if you have always done payments a certain way - the way their sales representatives suggest at the dealership, and it works for over 8 months, and then lets you know your payments are successful and then fail several times, that the customer is at fault? Normal transactions that assure you something is successful, usually mean just what they say. In the case of Toyota Financial Services successful means that it could be successful or that they will come after you and impact your credit when they are at fault or have a payment processing issue on their end. Everything is wrong with this! Be aware of this and consider financing elsewhere. It is like they are purposefully trying to make the consumer appear as they are making no payments- for instance, on the app for the payment in XXXX of XXXX, they do not include this in their transactions even though it has already come out of my bank account and the statement for XXXX shows a past due balance. However, when I contact their customer service, they say my account is current. They should be fined for this kind of misinformation and blatant misleading of consumers.
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| 09/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I called XXXX XXXX XXXX about an offer on a new XXXX XXXX XXXX XXXX that I got through XXXX on XX/XX/2022. I was told that the car was in transit ( to be shipped on XX/XX/XXXX from XXXX ) and that if I put down a down payment of {$2500.00}, they will reserve it for me. And that if I didn't like the car, it would be given back to me, and if I like the car, it would be counted towards the payment of the car.
The sales consultant XXXX XXXX, told me that a finance manager was about to call to get my credit card info. After, I gave my credit card info, she called me back and told me that she would call me when the car arrives at the dealership.
On XX/XX/XXXX, she called me that the car arrived the day before and I needed to come right away, otherwise it was a possibility that they sell the car to someone else. I arrived at the dealership around XXXX, I drove the car around the block and agree to buy the car. When, the finance department worked on the paperwork, they told me that they could not find the {$2500.00} payment made on the day of the order. They look for about an hour and ask me to look at my credit card statement for proof. I couldn't find that the money was credited so I agree to pay by check and to add additional money for the down payment to lesser the loan I was getting from Toyota Finance. I wrote a check of {$8000.00}, that was cashed on XX/XX/XXXX by XXXX XXXX XXXX. On XX/XX/XXXX ( six weeks after I bought the car ) {$2500.00} was debited on my credit card at XXXX and another {$2500.00} at XXXX ( Total of {$5000.00} ). I called XXXX XXXX XXXX I talked to XXXX XXXX, she said she was going to look into it. I got a refund of only {$2500.00} out of {$5000.00} on XXXX XXXX, I called her back on XX/XX/XXXX and mentioned that I was going to file a dispute and she told me that she was going to call me back. On XXXX XXXX, I called again and she gave me the name of XXXX XXXX. I had multiple phone calls with XXXX XXXX and XXXX, on XX/XX/XXXX, I was told that they were going to contact me. After a week of silence, I called back on XXXX. XXXX XXXX, told me that she had no recollection of spoking to me or having any file in my name, but that she was going to talk to her manager. On XX/XX/XXXX, I spoke with both XXXX XXXX and XXXX XXXX and send them picture of the sales contract and the check of {$8000.00}. XXXX XXXX, called me back and told me that her manager said that they dont owe me money. And that the financial manager XXXX XXXX was going to call me. He didnt, so on XXXX XXXX, I drove to the dealership at XXXX XXXX where in the absence of XXXX XXXX XXXX XXXX I spoke with XXXX XXXX XXXX XXXX he made a copy of my sale contract said that I was right, the down payment of {$8000.00} made the day of the purchase was indicated on the sale contract. He asked me to send the credit card statement with both {$2500.00} debited and with the {$2500.00} credit and that I should allow a few days for the money to be credited back. I emailed him my credit card statement, the same day and he replied thank you. On XXXX XXXX, I emailed him to ask for any updates., but got no response. On XX/XX/XXXX, I emailed him and XXXX XXXX again and included a copy of the sale contract, the copy of the check that was cashed and the copies of the credit card statements with the two unauthorized charges of {$2500.00} ( {$5000.00} ) and the only refund of {$2500.00}. I told them that I was going to file a complaint, if I didnt hear back. I havent heard or received a refund, so I am filling a complaint.
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| 02/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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XX/XX/XXXX : Father contacted New Car Product Specialist, XXXX XXXX, to ask if he handled the purchasing of a new vehicle for use as a yellow cab taxi. XXXX XXXX confirmed. My father 's only request was that vehicle must have a sunroof.
XX/XX/XXXX : Father paid {$20000.00} downpayment on Toyota XXXX XXXX. To XXXX XXXX 's surprise, the XXXX rejected this vehicle. He stated he knew TLC Laws and Regulations. XXXX Toyota XXXX XXXX was confirmed with a sunroof. XXXX XXXX claims fathers credit score is too low and asks me to co-sign XX/XX/XXXX : I accompany my father. XXXX XXXX reassures him vehicle will have a sunroof. XXXX XXXX states father 's credit score is XXXX, ignores multiple requests for a credit report. XXXX XXXX states my credit was approved XX/XX/XXXX : Date vehicle was said to be delivered. By this week, my credit was run again twice despite them stating it was approved.
XX/XX/XXXX, XXXX : I accompany my parents to sign the contract. Finance Manager XXXX XXXX says only I can come into the office. He declines to read or let me view what I am signing three times, stating " there's nothing to read '' and " you're signing for the loan, '' I ask for my father and my credit report, he only provides me mine. XXXX XXXX and XXXX XXXX demand the vehicle be registered before leaving the lot, producing faulty documents in their attempt to register the vehicle as black and for personal use. This was to conceal the true identity of the vehicle. Both parties state vehicle is not on the lot or they are unsure where the vehicle is. Did not provide me with the contract I signed. Did not allow me to read it. XXXX XXXX shouts at me because I asked him for his email, claims I am bullying and pressuring him.
XX/XX/XXXX : Will not give the vehicle because there is no lien on insurance. Unbeknownst to us, they had somehow canceled the lien. Partially give me my paperwork after I insist. Although I am not the buyer, my signature is the only one on the entire document. The final page has " 1st Responder '' written on it, although that should not have relevance for a yellow cab taxi purchase. My initials, as well as my father 's corporate initials, are forged. The finance agreement states I should have been allowed to read it, and that I am confirming I have. Also states " co-buyer is responsible for entire debt '' which I think is something worth me reading. Father and I see the vehicle, it does not have a sunroof. It was not the one showcased, although XXXX XXXX stated we would be receiving the exact vehicle.
XX/XX/XXXX : XXXX XXXX attempts to physically fight my brother. XXXX XXXX, Sales Manager, attempts to cancel the contract. Is surprising the vehicle is titled, although previous parties state " this is Toyota policy ''. XXXX XXXX states he will return with an answer in two days. States I can re-finance vehicle.
XX/XX/XXXX : Asks me to subpoena my request for my documents, which he can only do if there is no lien. Will not give car because there is no lien. How was the lien canceled?
Currently- they refuse to cancel the contract. State they will dismantle roof and place sunroof now, we do not want that. It is a brand new vehicle, and their repair shop has further been implicated for damaging vehicles. Is delaying my only request- to cancel the contract. Withholding my father 's {$20000.00}. They have used aggressive tactics throughout the deal. They are fraudulent and need to be investigated. They have previously done this to other families and were investigated in XXXX.
|
| 03/14/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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|
Web |
Older American |
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The specifics of a case involving a complaint against Toyota Financial Services, or Toyota Motor Credit Bureau based in XXXX XXXX Illinois concerning an abatement or refund of {$260.00} due me on a property or excise tax paid to the above company on a paid in full amount of {$410.00} which was paid in XXXX of XXXX for a full year on my XXXX Toyota.However in XXXX of XXXX I turned in the XXXX for a XXXX Toyota which meant the already paid tax of {$410.00} needed to be abated and a refund of the above {$260.00} due me.
In order to obtain this rebate I was in contact with Toyota Financial on XXXX XXXX and was told at that time to mail a copy of the registration plate transfer to them and it would be taken care of.When this did not happen I called back XX/XX/XXXX and was told nothing has happened on it as yet and to call back in a month.Also the agent everything in this respect was handled by a XXXX XXXX XXXX department located in XXXX Tennessee and can not be reached by the consumer.Something that makes no sense.
This was the beginning of 11 answered phone calls in a series of 18 phone calls of which 7 went to voice mail without a return response.11 phone calls, spoke to 11 different agents and received 11 different answers or excuses to the same questions.I was told at the start it was transferred to the resolution specialist department which I did call and spoke to a XXXX XXXX no last name given, who again told me he would review it and call back..Never did..This started another chain of calls to the resolution department and talked to a XXXX, a XXXX, XXXX, and a XXXX (? ) on 4 different occasions..
Calls to them starting in XX/XX/XXXX on this issue continued from the above date to three calls in XXXX and was told each time it was still being reviewed.Another 3 calls in XX/XX/XXXX, same answers from them except now being told it would take 4-6 months and to call them back in XXXX.No question they are engaging in some sort of subterfuge with an attempt at a smoke screen to cover what I think is a case of both malfeasance and misfeasance within the organization..
My goal in contacting you, the Illinois Atty.General, and the XXXX XXXX XXXX is to get some authority behind me as I think this is some sort of ploy to keep me occupied in the hope I will eventually lose interest..Such is NOT the case.They owe me that money and I dont understand why a multi-million dollar company is disputing {$260.00} when all points are in my favor..
The XXXX did intervene and after several failed attempts at contacting this company finally did get to Toyota 's executive branch and as a result I was contacted by a XXXX (? ) XXXX from this division who generally seemed sincere in trying to resolve this issue.However at our last conversation she stated the check for the {$260.00} WAS cashed and considered the matter resolved..However that check may have BEEN cashed but NOT by me and my attempts at notifying XXXX (? ) of this fact resulted in 4 calls to her left on voice mail without any returned..
In essence this entire matter is unacceptable at every level and should not be happening with the bottom line being this money is clearly owed me and the many excuses given by this company is pure nonsense..
As a senior citizen trying to make it on a XXXX and social security income this is both frustrating and in every sense unnecessary.Your help in this matter would be greatly appreciated..Thank you in advance..
XXXX XXXX XXXX XXXX XXXX.
XXXX, Massachusetts XXXX XXXX
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| 01/03/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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|
Web |
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Account # XXXX. For XXXX Toyota Prius lease turned in on XXXX/XXXX/XXXX. Leased new car from Toyota on XXXX/XXXX/XXXX. Overcharged on lease turn in.
Account # XXXX. For XXXX Toyota Prius lease turned in on XXXX/XXXX/XXXX. I leased a new car from XXXX XXXX of XXXX on XXXX/XXXX/XXXX. This complaint is not against the dealer, they were great. My complaint is with Toyota financial and the billing on the lease turn in. This was my first time leasing and I confirmed everything step by step by phone with Toyota. Furthermore I have a XXXX which I told Toyota about. They helped me with each step of the process guiding me. However I am still being billed for XXXX damages that were fixed and a disposition fee, even though I was told this should not be since I am currently leasing another Toyota Prius, but a XXXX. I am also being charged for a key fob, when I turned XXXX sets in with the leased vehicle. I had a courtesy inspection done by a nice old feller who came out to my apartment complex. I told him I had the other key upstairs and he said it was not important, do n't XXXX going to get it. I have since got it and turned it in with the XXXX Toyota Prius to XXXX of XXXX, MD. On the bill I received on XXXX/XXXX/XXXX I am still being charged " Excessive Ware '' and this is listed in the amount of {$150.00}. The left dinged quarter panel is listed in the amount of {$55.00} which is not disputed. The rear bumper was fixed at XXXX XXXX of XXXX, MD by the dent and touch up guy they use on the lot for the new cars. He was highly recommended and since I paid him cash, I got a receipt. My cell phone and dash cam also show him fixing it throughout the day, as it was accidentally left recording during the fix. He also did a full touch up on the vehicle, fixing it to what I assured would pass the lease turn in inspection. I called Toyota back to do a XXXX courtesy inspection now that the fixes and all keys were together, but Toyota financial said this was not necessary or even possible. I was told several times this information would be noted to my file and a recalculation/re determination would be done on the final lease bill. I called and followed up, I also have the recorded calls and call logs. I spoke for hours regarding this and have a running tally. Last I spoke was a real nice XXXX lady, I called from cell phone : XXXX. She assured me the final bill would be reflected and noted. We talked for over an hour. I do n't know what else I can do. I hope Toyota is n't trolling me because I got a foul tone and cancelled some extras. Please remain professional and correct the bill to reflect the fixes, turned in keys and no disposition fee.
It is still clearly advertised on the Toyota website that this should be waived since I 'm in another Toyota lease, they were simply overlapped while XXXX XXXX of XXXX was finding the new XXXX vehicle, putting the tints, pinstripes on and finalizing the deal. I am also still awaiting my customer satisfaction sales survey. It should go to the address on this complaint and in the file. I have not received the survey or completed it as of today, or any surveys for my new XXXX Toyota Prius Plugin. Please direct all future mailings and correspondences to physical hard copy mail, to the address on file in this complaint. This goes to all parties. The bill should be corrected to show the accurate total of {$55.00}. I ask for courtesy and my times sake that the {$55.00} be waived as well. Thank you. Stay classy and professional Toyota.
|
| 02/12/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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TITLE 15/CFR Violations This correspondence is in regard to violations of Title 15 and Coded Federal regulations committed by MAZDA FINANCIAL SERVICES XXXX I XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as striping my comfort and jeopardizing my security. It is inconsolable to learn that XXXX XXXX XXXX does not operate with integrity. 15 U.S. Code 1602 - Definitions and rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time.
I XXXX XXXX XXXX and natural person extended my credit to MAZDA FINANCIAL SERVICES expecting my open end social security credit card would be honored. Instead it was dishonored.
15 U.S. Code 1692c - Communication in connection with debt collection A debt collector may not communicate with a consumer in connection with the collection of any debt This correspondence is also in regard to adverse action committed on XX/XX/XXXX. The adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ). These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional Injury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspriacy case no. 96-41-347-DRS Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both
|
| 04/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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On XX/XX/2023, I, XXXX XXXX, consumer was approved for an auto loan at Toyota of XXXX. The vehicle I wanted to purchase was already sold. XXXX XXXX, the salesman that I was working with informed me that another vehicle of the exact model and color would arrive at the dealership on Thursday, XX/XX/2023. I agreed to wait. I informed XXXX XXXX that my job may be sending me to XXXX and could I take the vehicle with me. XXXX XXXX informed the finance department that I agreed to wait for the vehicle to arrive. XXXX XXXX then told me that I had to put down a {$1000.00} deposit to secure the vehicle upon arrival. I declined to do so. XXXX XXXX explained to finance then returned to me and said ok. He would call me when the vehicle arrived.
On XX/XX/2023, XXXX XXXX called, sent an e-mail and text communication informing me that the vehicle had arrived and was ready for me to come take possession. We set up a time for me to come take possession of the vehicle. When I was in route, XXXX XXXX texted me asking me to bring additional documents. I provided XXXX XXXX and the finance department my voters registration card as proof of residency and they declined it. I was told that the voters registration card was expired. I informed them that a voters registration card does not terminate unless there is a name change or an address change. They still refused. I asked XXXX XXXX for a copy of my Truth In Lending Statement. XXXX XXXX had no idea what it was. I then spoke with XXXX XXXX ( new car sales manager ) and he didnt know what it was either. Then XXXX XXXX came and told me that he was been at Toyota of XXXX for XXXX ( XXXX ) years and that Toyota of XXXX does not participate in the Truth In Lending Act. I told him yes, they did. I informed him that it was law. I pulled The Truth In Lending Act up on my phone and passed XXXX my phone so he could read about it. After reading, XXXX passed me back my phone, said they did not participate and walked away because he had a customer waiting on him. XXXX XXXX comes back on the scene and explains the insurance requirement and informed me that after I purchased insurance for the vehicle hell just go over the finance charges with me. XXXX then gave me a form to sign stating that the dealership doesnt owe me anything. I sign. I still have not received the VIN # to purchase insurance for the vehicle, but am still being told that I cant leave the lot without it. XXXX XXXX returns and ask me for the {$5000.00} down payment. I tell him that it will be included in my finance charge. I inform him tha its illegal to pay cash in a finance transaction. XXXX then returns. As were talking, I tell XXXX my job may be sending me to XXXX so I needed to know the process with me financing the vehicle. XXXX asks me to hold on for a moment, goes back into finance and out comes XXXX XXXX ( finance & insurance manager ). XXXX tells me that I am a red flag and unless I pay for the vehicle in cash right now, they are ending the contract. I ask XXXX who is they? He told me Toyota of XXXX and Toyota Motor Finance. XXXX told me it was against the law to export a finance vehicle out of the country. I asked for the law. He told me that corporate had it and if I left my e-mail with him, he would e-mail it to me. I asked again to speak with someone else. XXXX told me that the decision making stopped with him. I was intimidated and felt threatened. I asked XXXX for his card and left. My account with XXXXoyota Motor Finance has been closed
|
| 06/08/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
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|
Web |
Older American |
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RE : XXXX XXXX CLAIM No. XXXX XXXX Form : Toyota Claim Form-Case Name : In re : Toyota Motor Corp . Unintended Acceleration Marketing, Sales Practices, and Products Liability Litigation, Case No. XXXX XXXX ( XXXX ) Case Summary : The plaintiffs alleged that Toyota produced vehicles that were subject to unintended acceleration in violation of a lot of laws. Toyota denies the allegations but settled the case before the case was decided by a court.
To Whom It May Concern : I am writing in regard to the above referenced account and transactions.
THIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) / and Motor Vehicle Warranty Rights Act Authored By : Governor 's Office of Consumer Affairs : The Governor 's Office of Consumer Affairs administers XXXX 's Motor Vehicle Warranty Rights Act, also known as the Lemon Law. The Lemon Law applies only to new motor vehicles purchased, leased, or registered in XXXX since XXXX XXXX, 1990. The Lemon Law provides a complaint process for consumers to follow if defects, or repair problems, exist and the manufacturer is unable or unwilling to address the defect or defects. Therefore this notice is sent to inform you that your claim is disputed and validation is requested.
Credit ItemsToyota Motor XXXX - Account XXXXUpon recent review of my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting that I owe the above creditor a debt. I am in dispute of this bill. Technically, there is apparently a Contract Billing error. As a former XXXX lease owner, I am requesting a final investigation, before legal action is taken in accordance to incorporation and collaboration with Rules of Arbitration and Condition Binding for : The Federal Arbitration Act. For details please review the following : XXXX Web File ( R ) XXXXNational Center for Dispute Settlementhttp : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXToll Free XXXX Direct XXXX XXXX XXXXXXXXCase Filing XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXToll free number : XXXXFax number : XXXXEmail : XXXXXXXXXXXX to Defective Product Liability Litigation/and Notice of Deficient claim ; I am in dispute of these excessive charges and rates. Therefore, under my rights under the FDCPA, I request that you validate this debt. Based on correspondence I received regarding : Toyota Economic Loss legal settlement Administrator notice for the above indicated leased subject vehicle on my credit report, that I returned before the lease termination date, as a result of having to make numerous attempts to resolve this unresolved defective malfunction issue.
As a former owner, on numerous occasions, this vehicle manufactured by the Defendants ( Toyota Motor Corporation and XXXX XXXX XXXX, XXXX, XXXX together ( " Toyota '' ) ) equipped with electronic throttle control systems ( " ETCS '' ) I encountered excessive repair expenses to resolve this issue. As a result of this defect ; on numerous occasions, I experienced acceleration problems that were unintended while driving. As a result, the lawsuit pursues claims for breach of warranties, unjust enrichment, and violations of various state consumer protection statutes, among other claims. Buyers should be entitled to get their money back for all repairs attribute to this manufacture defect.
Further, this lawsuit states, XXXX actively concealed and failed to disclose this defect to plaintiff and class members at the time of their purchase or lease of the clas
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| 10/15/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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I took out a three year lease with Toyota Financial Services ( " TFS '' ) in XX/XX/XXXX. The original lease expired inXX/XX/XXXXXXXX, but was extended through XX/XX/XXXX. The last payment was due on XX/XX/XXXX, per the extension documents.
In early XX/XX/XXXX, I received a call from TFS about what I wanted to do with my vehicle at the expiration of my lease ( TFS indicates all calls are recorded for " quality assurance purposes, '' so they should have a record ). After going over the options with TFS of either to return the vehicle, purchase a new vehicle, or purchase my current vehicle, I informed TFS of my intention to purchase my vehicle, and was instructed to go to a local dealership for purchase. I asked if I could complete the purchase over the phone, and was told it was not possible.
I went to XXXX Toyota in XXXX, TX about purchasing my vehicle on Saturday, XX/XX/XXXX. During this visit, XXXX XXXX informed me of the documents ( e.g. last two pay stubs ) I would need to complete the purchase of my vehicle. TFS had not previously told me about the needed documents ( and this was my first vehicle purchase ), or else I could have brought them during the visit. The rep told me to bring the documents and I could complete the purchase. I returned to XXXX Toyota onXX/XX/XXXX and completed the purchase ( the agreement will be included with this complaint ). TFS also financed the purchase in XX/XX/XXXX.
About a week or two after the purchase, I received a call from TFS ( also verifiable with its records ) informing me that I was past due on my account and needed to either return or purchase my vehicle. I informed TFS that I had already signed a purchase agreement with XXXX in XXXXXX/XX/XXXX. TFS said as of the call, it was not showing in its system ( despite TFS also financing the new loan ), but that it would verify this information ( there was also a problem with obtaining my new registration/plates due to TFS having not received the verification of the purchase, and thus having not sent over the title information ). The information apparently was verified, because the calls stopped and I received my plates towards the end of XXXX ( which took longer than usual, per the XXXX rep ).
Also in XXXX, I received a notice from my credit monitoring service that I had a delinquent mark on my reports from TFS indicating that I was 30 days late on my XXXX payment. I sent a letter to TFS informing them of the error, specifically because 1 ) I had not payment due in XX/XX/XXXXand 2 ) my purchase of the vehicle was complete in XX/XX/XXXX. TFS sent me a letter, datedXX/XX/XXXX, informing me that it reviewed the issue and determined the reporting to be correct.
I disagree with this self-assessment by TFS. Any delay in reporting the purchase was the result of actions by TFS and/or its authorized agent, XXXX Toyota. My last payment due in XX/XX/XXXX was paid on time. I had no other payments due after that day. While I have previously been late with payments ( and have not challenged the reporting ), I made every attempt comply with the instructions provided by TFS. Throughout the process, I stayed in communication with TFS about my intention to purchase the vehicle. I acted in good faith throughout the process, and did as I was instructed regarding what documents to obtain and where to go. To then receive a negative mark on my credit report due to reporting delays between TFS and the dealership is not good faith on the part of TFS.
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| 10/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Toyota Financial Services ( TFS ) deceptive practices After more than twelve years living in XXXX, I moved with my family to XXXX XXXX on XXXX, XXXX of XXXX. As my maturity date on the lease from XXXX XXXX was to expire XX/XX/XXXX ( lease started on XX/XX/XXXX ) I asked for an extension of six months. While I kept maintained monthly payments I was struck with credit score dump in XX/XX/XXXX by nearly 30 points by TFS. The resolution took about two months, since TFS requires a written request sent to its P.O. Box ( and doesnt promise resolution earlier than up to 60 days ). This is incredibly inconvenient as it places my mortgage and business at jeopardy and it is not my fault. I have never experienced this in any other lease, even with TFS until the last one during a pandemic this year, which makes it even more aggravating.
I filed a complaint with XXXX ( XX/XX/XXXX XXXX Case # XXXX ) and CFPB ( COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX ). TFS partially recovered my credit score after that, yet they never admitted that it was their mistake to begin with.
We are here again on XX/XX/XXXX with another hit on my credit score. This time they took my score down by nearly 51 points, right before I had agreed to return the car on XX/XX/XXXX. TFS reported the account closed ( even though they admitted over the phone that it wasnt closed ) with a balance of over XXXX owed and blamed the credit bureaus for automatically reporting the account as closed in their system. We paid the TFS representative a one month extension and asked him several times to make sure that this wasnt going to impact our credit
score, to which we were told it had no bearings on it. After we spoke to the representative at TFS today ( XX/XX/XXXX ) who is a dispute resolution specialist he told us he doesnt have any credit marks on the account yet the credit agency reported this a few days ago ) and he asked for another letter requesting an investigation ( basically the same exercise I had to go through back in XXXX ). Our circumstances are still in the same place as they were back in XXXX, in terms of our mortgage and business here so as you can imagine a 51 point credit dumb is asinine. We do not have time for another 60 days of an investigation for repeated mistakes from TFS, especially at a time when I have to get a new lease and return their car with a much lower credit score, subjecting me to much higher rates due to their mistake.
Our payment history has always been on time there have been XXXX late payments. We leased two cars from Toyota ( one in XXXX and this one in XXXX ). My parents owned a XXXX XXXX, XXXX XXXX, and a XXXX XXXX over the last two decades. Its unfortunate that TFS has tarnished the brand name of Toyota after our long standing family history with the carmaker.
We urgently need my credit score repaired as a result of TFS mistakes. TFS was already sued for their bad practices during a repossession process in Class Action Lawsuit ( BC 584530 in 2015. See attached court materials ). A subsequent lawsuit followed regarding discriminatory practices in XXXX supported by CFPB and DOJ. The organization seems to have a history of consumer abuse, and should be dismantled for the sake of preserving Toyotas better brand.
Please help me resolve this dispute with Toyota and repair my credit score for the wellbeing of my family, my mortgage, my business, and the image of Toyota.
Sincerely XXXX
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| 06/19/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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We had leased a XXXX Lexus XXXX around XXXX of XXXX, part of the deal was to turn in our previous lease. Before signing any papers to accept the new vehicle, we had verified with the finance manager that we would turn in the currently leased vehicle and that there would not be any cost associated with that. We had asked this several times as it would not make any sense for us to get into another lease if we had to pay anything extra for the vehicle that we were turning in. The finance manager stated that Lexus would take our car as is as long as we would get the new vehicle. Also since we had leased 4 vehicles before and had always been given a full packet of disclosures, it was very strange that we were only given one form to take with us and when we asked if we should get more documents, the finance manager responded by saying " don't worry about it '' ( we had also brought that up to our sales person and he said that he would address this with his boss, however till this day we do not have the full disclosure packet ). Up until XXXX of XXXX we had not gotten anything from Lexus other then statements and promotions, and all of the sudden we had received a strange letter form Lexus financial services demanding a payment of {$1300.00}, so we had called Lexus financial to find out what this is all about. a representative on the from Lexus explained to us that this was an amount due for repairs done on the lease vehicle that we had turned in, to get into the XXXX XXXX. I had told the representative that this can't be happening as we had made sure with the finance manager and the dealership that they would take our vehicle as is, also I mentioned that the dealership had not provided any type of documentation that would show the cost of any repairs associated with our lease turn in, I had also stated that we should have been given this information before getting into the new lease, as should we had known that besides the down payment we would need to pay {$1300.00}, we would just keep our perfectly fine vehicle. The representative had told us that we would need to settle this with the dealership, when I called the dealership and asked for the finance manager that helped us with this deal, I was told that she was fired and is no longer part of the company, I asked to speak with the dealership manager XXXX XXXX, but was told that he is not available but he would call me back. XXXX never called, so I wrote him an email, he never responded to the email, so we went into the dealership and spoke with the finance managers manager and he assured us that we would hear from Michael. Once again XXXX had never called us back. So we called again and once again XXXX was not available and were told to leave our info for a call back that never happened. So we came in again to the dealership and asked for another person to speak to and no luck again. Long story short Lexus financial tells us to deal with Lexus of XXXX, but Lexus of XXXX does not respond. Today we had received a call from collection agency demanding the payment associated with Lexus. Thinking its a joke, we had called Lexus Financial to find out what is going on. Lexus financial told us that it's no longer in their hands and we have to deal with collection agency now. now my credit is being ruined due to some finance manager wanting to unethically get Seles credit, and a management team that does not care for their returning clients.
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| 04/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I would like to submit this complaint requesting re-examination of Toyota Financial Services reporting information on my consumer report that should not be there. I have included my prior complaint and your response to that complaint here for further reference ( XXXX ). You see, part of the problem with violating the FCRA regulations, is the lack of understanding of these regulations. The inaccuracies and the lies the creditors put in writing are just that ; inaccuracies and lies. Your response states the following : " Your account became first past due in " XX/XX/XXXX '' ; Despite our continued efforts to notify you of the delinquency, you did not maintain the account in good standing. As a result, the vehicle was repossessed on XX/XX/XXXX ... '' How can this be? You stated an inaccuracy and lie in this statement. Further, the reporting of this account is STILL in violation 15 U.S.C 1681a of the Fair Credit Reporting Act ( FCRA ), outlined as follows : 15 U.S.C 1681a ( 2 ) ( B ) refers to Exclusions:15 U.S.Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Further, in 15 U.S.C 1602 ( l ), the Truth In Lending Act ( TILA ), the term " credit card '' is defined as follows : ( l ) The term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Therefore, my social security card and drivers ' license fall under the definition of " credit cards '' and " credit device '', in this case, for the extension of credit for a vehicle.
Additionally, I was recently made aware of information from the Federal Trade Commission ( FTC ) website ; specifically, the Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C 6802. Obligations with respect to disclosures of personal information : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. AND ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. According to the aforementioned sections, you must give " conspicuous '' notice that you, Toyota Financial Services, are/ were disclosing my non public personal information, AND explanation of how I, the consumer, could have exercised my rights with respect to the nondisclosure option ; my right to " Opt out ''. This " Obligation '' was not performed.
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| 07/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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Notice of Rescission Toyota Motor Credit Corporation is defined as a covered person that engages in offering and providing consumer financial products and services to Consumers consequently, they are amenable to Federal Consumer Law and It is unlawful for any covered person to offer or provide to a consumer any financial product or service not in conformity with Federal consumer financial law, or otherwise commit any act or omission in violation of a Federal consumer financial law ; or to engage in any unfair, deceptive, or abusive act or practice.
The Truth in lending Act 15 U.S.C. 1635, provides borrowers with an unconditional right to rescind any consumer credit transaction. Under Section 1635 ( f ), if a lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures, an extended right of rescission is provided that expires three years after the transaction consummation date or upon the sale of the property, whichever occurs first.
Toyota Motor Credit Corporation failed to provide the said notice of rescission and consequently the consumer has an extended right of rescission that expires three years after the transaction consummation date or upon the sale of the property, whichever occurs first.
This is notice of my intention to exercise my right to rescind under the Truth in lending Act 15 U.S.C. 1635. As a result of my exercising my right to rescind which is a right protected by the laws of the United States, I am not liable for any finance or other charge, and any security interest given by the me, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, Toyota Motor Credit Corporation shall return to me any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If Toyota Motor Credit Corporation has delivered any property to the me, I may retain possession of it. Upon the performance of Toyota Motor Credit Corporation s obligations under this section, I shall tender the property to Toyota Motor Credit Corporation, except that if return of the property in kind would be impracticable or inequitable, I shall tender its reasonable value. Tender shall be made at the location of the property or at my residence, at the option of the me. If Toyota Motor Credit Corporation does not take possession of the property within 20 days after tender by the me, ownership of the property vests in the me without obligation on my part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court.
This means that the XXXX XXXX XXXX is to be returned to me as the security interest is to be terminated and I have the right to retain possession of the property. Upon the performance of Toyota Motor Credit Corporation obligation, which is to return to me any money, my original retail installment contract ( property ), and the downpayment within 20 days I will tender the XXXX XXXXXXXX XXXX at my residence to Toyota Motor Credit Corporation. If Toyota Motor Credit Corporation does not take possession of the property within 20 days after tender by the me, ownership of the property vests in the me without obligation on my part to pay for it.
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| 09/24/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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- Vehicle lease opened XXXX. Never paid late!
- No fault accident XXXX/XXXX/2016 caused a total loss and i contacted Lexus Financial. I was advised that Gap Insurance & Wear & Tear Refund would kick in if insurance did not cover payoff in full.
- XXXX/XXXX/16 signed new vehicle lease ( also w/Lexus Financial ).
- XXXX week of XXXX, received letter from Lexus Financial, dated XXXX/XXXX/2016, stating that there were {$280.00} due, that XXXX paid XXXX, leaving a balance.
- Immediately contacted Lexus Financial ( Toyota Financial Services ). requested explanation of the amount. was advised that progressive paid short. I advised them that the letter was just received and requested time to deal XXXX.
- Received explanation of short pay from progressive but, XXXX used to insure this vehicle and for a previous claim, they refused to replace a part and dictated that the part be fixed and repainted. During my conversation with XXXX, I learned that the rason they paid XXXX short was the very fact that the part was not replaced but repainting was obvious. I requested that I be put in touch w/their Regional Mgr. Unfortunate phone tagging resulted.
- Within this same time period, less than 10 days after my response to Lexus Financial requesting time to determine what was going on with XXXX, Lexus Financial Charged the entire remaining lease amount of {$9700.00} off as BAD DEBT.
Reports that the last payment was in XXXX.
That the first delinquency occurred in XXXX.
The only reason I know is because i have XXXX monitoring.
I immediately opened a dispute with XXXX.
Contacted Lexus Financial and paid the shortpaid amount XXXX via check by phone.
I requested XXXX 's proof of payment.
Lexus Financial was paid {$31000.00} by XXXX on XXXX/XXXX/2016. Gap insurance & wear and tear refund kicked in. The only outstanding balance was the short payment. They sent a letter dated XXXX/XXXX/2016 that was not received until mid XXXX, after which I immediately engaged with XXXX.
The entire lease was charged off as bad debt charge in the amount of {$9700.00}.
I was hoping it would get corrected, that it was an oversight. Lexus financial, XXXX, advised that a manager would contact me in 24-48 hours - this did not happen. They, a representative by the name of XXXX and apparently a supervisor, advised that someone would contact me with the breakdown of how they arrived at charging the entire lease off as bad debt - this did not happen.
The credit dispute with XXXX, confirmation # XXXX, did not get it corrected.
The amount was changed from {$9700.00} to zero, but the charge off remains under negative accounts, with an XXXX 2016 delinquency and a last payment received of XXXX 2016.
This details me as a person who defaulted on their auto lease starting in XXXX / XXXX of 2016 and it shows a charge off, without any mention that this is an insurance settlement, short payment, settled in full, without any timely notification, and a hasty charge off despite a consumer 's calling in within the 20 days of receipt of the letter and despite the fact that the letter did not get into the mail when it was dated, as it arrived almost 2 weeks later.
I have sent a letter to Lexus ' / Toyota 's credit dispute center. It is also attached.
This is absolutely misrepresenting me as someone who did not pay an auto lease. it is devastating to my credit. and absolutely incorrect.
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| 02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The following accounts has been in dispute since XX/XX/XXXX. All of these accounts have been furnishing inaccurate and outdated information on my credit report which has affected my credit reporting drastically.
XXXX XXXX Account Number : XXXX* TOYOTA MTR Account Number : XXXX XXXX XXXX Account Number : XXXX TOYOTA MTR Account Number : XXXX When I first disputed this account XXXX XXXXXXXX Account Number : XXXX noticed the dates of last payment was different. I dispute this account again in XXXX and the Date of Last Payment stated : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. which is why they are reflecting multiple late payments. These late payments need to be removed due to different dates of payments being reported.
TOYOTA MTR Account Number : XXXX the dates of last payment are different. Date of Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
XXXX XXXX Account Number : XXXX the dates of last payment are different Date of Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TOYOTA MTR Account Number : XXXX the dates of last payment are different Date of Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I sent a written response for all of these accounts and never received my dispute results. This violated the furnisher rule Section 623 ( a ) ( 2 ) ( B ). I asked for reinvestigation of this account within my dispute letter that was sent out via certified mail XX/XX/XXXX simply asking for the following : actual proof of the information was verified, not a computer generated confirmation, account open and closing billing cycles, signed contracts between both parties The names and business addresses of each individual with whom you verified the information with above, The date you contacted the individual furnishers of information, The method of communication you used to verify the information.
Nothing was sent out to me and I never received written verified results from my dispute as well as a reimport of verified results when I refreshed my credit report. I resent out a certified mail letter on XX/XX/XXXX reminding them of the ( 30-45 ) days to complete your re-investigation as well the attached letter from XXXX. There has not been any reinvestigation of this account at all. Not even a computer generated confirmation. Instead when I refreshed my credit report for the month of XXXX they furnished the date of last payment on the following accounts.
XXXX XXXX Account Number : XXXX still has different dates of last payment Date of Last Payment : XXXX XXXX XXXX XX/XX/XXXX and XXXX is XX/XX/XXXX TOYOTA MTR Account Number : XXXX still has three different dates of last payment XXXX XXXX XXXX XXXX shows a date of XX/XX/XXXX and and XXXX is XX/XX/XXXX XXXX XXXX Account Number : XXXX has three different dates of last payment XXXX has a date of XX/XX/XXXX, XXXX XXXX XXXX has a date of XX/XX/XXXX.
TOYOTA MTR Account Number : XXXX they have three different dates of last payment consisted of XXXX shows a date of XX/XX/XXXX, XXXX XXXXXX/XX/XXXX and XXXX is XX/XX/XXXX. As well they are still showing multiple different dates of late payment under the payment history and missing the date of delinquiency for this account in which I requested which is a violation of FCRA 623 ( a ) ( 5 ) ( B ). Please review my attached documentation showing proof of this account that has been in multiple violations under FCRA.
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| 02/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Servicemember |
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To whom it may concern, I am reaching out in regards to an inaccurate reporting to the credit bureau on behalf of my name. After reviewing my credit report I noticed Toyota Motor has caused a negative impact on my credit score due to invalid information. There was only one car loan in which I signed for. I have already returned the vehicle as well as made a payment of {$3000.00} and the required payments need to be made until it was returned. I was notified this payment was required in order to satisfy this agreement and continue with my loan on the first loan. However, this did not occur ( I had my gap insurance removed and extended warranty removed, in which caused the car to not be able to be fixed when I was paying my obligations and wasnt notified of any of this, I reached out to MsXXXX XXXX XXXX ( Toyotas supervisor ) and heard nothing back ). The company has been reporting twice on a repossession that should have been removed ( its also reporting inconsistent information as to loan dates and amounts and times ) I have included documentation as proof that I tried to resolve any issue and even paid the car notes up until I was ignored and never called back with no response to numerous emails ( proof attached ). I have disputed on several occasions but have had no assistance with getting this invalid information removed yall keep saying its verified when I never signed a second loan or authorize it. As a mother of XXXX young children and with XXXX going on Im getting denied for car loans due to Toyotas error, this has caused a major hardship in my life. I have not had a sufficient means of transportation ( my son has a XXXX XXXX ) because of this negative impact. It has also been very stressful day to day not having any help with resolving this. Please assist me in this matter. It is imperative that I have this corrected and cleared from all 3 MAJOR Credit Bureaus in the next 15-30 days and any derogatory marks removed.
I have made many efforts to resolve this matter. I have requested a copy of the agreement for the secondary loan ( since Ive made payments and its reporting the same balance as starting ) reporting. I have also not been informed on the price the vehicle was sold for or any notifications regarding the status of this unopened loan ( same address and phone number up until last year ). This is fraudulent information and does not belong to me. I did not sign for a secondary loan with Toyota.
Although I stop paying on the secondary loan bc i never signed for it and that I was being ignored and no call backs and I paid for extended warranty and gap and it was removed ) on my payments I did what I was instructed and made the payment of {$3000.00}. The car was repo 'd XX/XX/XXXX and the payment was made XX/XX/XXXX. I did receive a response from XXXX XXXX and XXXX ( see attached ) regarding this issue ( and to make the payment on my first loan and truly wasnt ) but it is still not resolved and still reporting negatively to my credit causing me to have financial hardship lost of my job and XXXX being involved with my child not going to her XXXX.
My credit is very important to me and having a means of transportation to make it in this economy ) I just want to have this corrected. If there is anything you need from, please let me know as I am happy to provide. I have also included my contact information.
Thank you,
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| 08/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I had a lease with Toyota ( Toyota Financial Services-TFS ) which ended in XXXX of 2020. I purchased the vehicle from Toyota with an auto loan from a company called XXXX XXXX. I made my monthly payment to TFS payment in early XXXX in the middle of the buyout process. That payment was rejected by TFS because I sent my Odomoter Reading ( OD reading ) from XXXX XXXX. Some internal protocol at TFS does not allow OD readings to be sent by a third party. TFS sent me a letter in the mail to my P.O. box which I did not receive until mid XXXX. I therefore did not know that the payment was rejected and that they were holding my payoff check for almost XXXX ( which was sent to TFS on XX/XX/XXXX ) from XXXX XXXX until the OD Reading was received and processed. The attachment below shows XXXX stamped and received the cashier 's check from XXXX XXXX on XX/XX/XXXX and didn't deposit it until XX/XX/XXXX, the earliest date at which I could make a payment. I signed a limited POA with XXXX XXXX who were referred to me from XXXX XXXX to handle the buyout process and paperwork to TFS. TFS still rejected it despite that. I can not be legally or otherwise held responsible if TFS has internal procedures that sit on payoff checks and reject payments for almost an entire month because they can't process paperwork faster or refuse to accept both my attempts to pay and my LPOA paperwork from the company who legally represented me at the time.
I resubmitted it in or around the second or third week of XXXX and it took until early XXXX for it to be processed. I made my final payment on XX/XX/XXXX because Toyota would NOT ALLOW ME to make the payment before the OD paperwork was processed. 11 months later I find out I have a 30 day late marker on my credit score from TFS. I have called TFS several times to try and resolve this issue. They claim they will not resolve it until XXXX XXXX sends them a letter on corporate letterhead with the name of a " senior officer '' " accepting responsibility for the error '' in not sending the payoff in time. This is absolutely ridiculous as they payoff was sent on XX/XX/XXXX and TFS held it for almost an entire month because they rejected the previous OD Reading and the payoff sent from XXXX XXXX and took almost an entire month to notify me and process the new OD Reading. At that point they told me they could not help me further, that I needed to speak to their " Brand Engagement Department ''. I called this number ( XXXX ) and the automated system told me they could not resolve any issues relating to TFS, that I needed to go back and speak with them. I hit some other buttons and spoke with three different reps their and they all told me they could not help me nor could they transfer me to corporate. I had to XXXX the corporate switchboard ( XXXX ) and plead with the switchboard operator who told me she could not help me either. I continued pleading and explaining and after about 5 minutes she put me on hold and told me the only other option she had was to have me call their " executive line '' where I can only leave a message. I did and have not yet heard back from them.
This situation remains unresolved. TFS and their Brand Engagement Department refuse to help me resolve this issue. I request the CFPB investigate this issue and help me. I've spent hours trying to resolve this issue, I don't have all the time in the world.
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| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Toyota Financial Sevices/ Toyota Motor Credit is a horrible company and I would not recommend using their services to anyone. The only reason I do is because my vehicle is Financed through their company and I dont have a choice. In the month of XX/XX/2022 I requested a due date change with them regarding my monthly payment, moving my payments to be due the XXXX of the month, as well as asked for an extension asking for my payment for the month of XXXX be pushed to the back of my loan. I was told my request was granted, however due to someones neglect this was not processed correctly and Toyota Financial Services/Toyota Motor Credit has been destroying my Credit from that time to current date. My payments are due on the XXXX of the month by which I send to them via express mail next day delivery, which they receive well within the grace period that is allowed, however I have been given numerous excuses by several representatives of their company that their processing teams who handles a customers payment are short staffed, it takes a while for your payment to be posted to your account even if it sits there on time, so basically my payment may not be posted to my account until 5, 7, 8, 10 days later. I have called on numerous occasions, and spoken to their Resolution Team, who supposedly handles these types of issues regarding a customers complaint, I was told my issues would be addressed, investigated by Toyota Motor Credit, / Toyota Financial Services, I was told a complaint file was started for me, the company would investigate, and if found that it would be an error on their part they would send me a letter stating that, per my request, and that they would update the correct information to the Credit Bureau, they apparently do not honor what they say because they have been reporting me negatively to the Credit Bureau every month even though my payments are on time, I have been given every possible excuse, regarding this, I have requested to speak to a manager regarding this issue over and over again, and my requests have been denied, I was told that a manager would call me back and that information was false also. I was given feedback that they would submit my complaints to the Resolution team, I was also told this information would be updated with the Bureau and assured by one of their agents this would never be an issue regarding my case again, since they were able to see that Toyota Motor Credit/ Toyota Financial Services were the ones to make the error. That was a lie, Toyota Motor Credit/ Toyota Financial Services are destroying my Credit each month and bringing my Credit Score down. I have explained to them on numerous occasions that I am in the process of buying a home, and because of the false information that they are reporting I can not secure financing for my home with my Lender because of their negative reporting. I have proof that they receive my payments on time, but they refuse to correct their mistakes and get the correct information to the Credit Bureau. They should be penalized for their actions for providing false information, to the Bureau, or Agencies, that they are reporting to. Who knows how many customers they are doing this to, who are afraid to speak out. Once I am finished paying my vehicles loan off, I will never use this company again, they are the worst ever.
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| 10/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I purchased a XXXX XXXX in XX/XX/XXXX. I have bought several cars from this company and have never had a problem and have never had a late payment on my credit. Period.
1. From the beginning I requested that they change the payment date to the XXXX of the month from the XXXX since I have several cars and businesses to track. I asked repeatedly but this still has not been fixed almost 2 years later!
2. I did not receive a bill from XXXX in XX/XX/XXXX and called into to see what was going on. They said they would send a new bill ( never got it ). Asked again to have payment date moved and was not handled. Finally got a supervisor and they said it had been fixed!
3. Got a call from XXXX XXXX saying that my payment was not received. I told them that I never got a bill and would gladly pay. They told me they were going to send a double bill and just pay the double bill like usual. I was under the assumption from the last supervisor that my bill was now due on the XXXX not the XXXX since I still didnt receive the last bill.
Also, was never told that if not received by the XXXX ( not the day I requested billing and told by management was fixed ) that they would hit my credit with a late charge.
4. Sent payment in on XXXX XXXX for the double bill under the direction of TFS that the payment date was now the XXXX.
5. Receive a credit alert that I had a late payment on my account. Called TFS and they stated that the billing date was the XXXX ( still not fixed ) and that the payment was late. I told them I sent it on XXXX XXXX but it hit their account on XXXX XXXX ( still within grace period I was told that I had ). Come to find out that the XXXX payment was due on the XXXX but that the 2nd payment was not late because it was within the grace period.
My issue is that the service rep that called me to tell me about not receiving the payment never told me that the XXXX payment had to be in on the XXXX. She said pay the double bill as usual. I was misguided by Toyota.
6. Called into Toyota and told them this is a mistake, pull the phone call, etc. They made me write a letter to them, which they came back and just denied with no answer and no research into call, etc. Called into dispute their denial of Goodwill letter and got no where, no call back, no pulled telephone calls of them explaining it to me, me requesting a new bill and payment date of the XXXX. They did nothing!
7. Followed up again several months later after it negatively affected my credit ( only negative mark ) and requested them to take another look since it was not followed. Toyota Financial does not want to take any responsibility in their lack of care and negligence for giving me incorrect information regarding payment dates for double payment to avoid, not fixing my payment due date and not looking into the matter fully. They are now saying that they ca n't pull the calls because it is over 90 days and are completely flippant in regards to handling this matter that is negatively affecting me due to their negligence.
All I want is an independent review, pull the calls, show me evidence that they fixed my payment date as requested, did n't tell me inaccurate information on due dates, etc. They literally do n't care and have a duty under the law to investigate their mistakes further that led to this issue.
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| 12/30/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I had a lease with Toyota Financial Services. On XX/XX/XXXX, I turned in on-time my completedXX/XX/XXXXPrius leased vehicle. At the dealer location, upon returning the vehicle I documented that the car was in mint condition by taking videos and photos and visual inspection with the Toyota dealer sales manager.
I was surprised to receive a bill datedXX/XX/XXXXin the mail for {$2300.00} demanding payment byXX/XX/XXXX according to Toyota Financial Services records citing the car was severely damaged including extensive hail damage on the hood, roof, left front fender, left panel, and lift gate as well as extensive vandalism damage to the front bumper cover, grille, front fender, back bumper, windshield, left and right doors and right panel.
I called the Toyota Financial Services Leasing Department several times to dispute the charges. Bill, a Toyota Financial Services employee with ID # XXXX refused to escalate the case further. I was instructed to send my photos, videos and other support of my dispute to the Toyota Financial Services, Dispute Resolution Department, XXXX XXXX XXXX XXXX AZ XXXX.
I also spoke with XXXX XXXX the General Sales Manager at XXXX XXXX XXXX dealership where I turned in the leased vehicle and he verified that XXXX XXXX dealership has had no hail damage to any vehicles on his lot and XXXX XXXX stated that " if hail had occurred that damage would have shown up on 800+ cars on my lot which did not happen ''. I was told that it is the conclusion of the internal investigation of the Toyota dealership that all proper procedures were followed by myself and the dealership and the claim is not valid. I was told to include this in my dispute to Toyota Financial Services on their claim against me which I did.
On XX/XX/XXXX I sent a registered letter through the US Postal Service, Proof of delivery XX/XX/XXXX attached. Below is the supporting documentation refuting Toyota 's claim.
1 ) Signed dealership odometer disclosure statement by XXXX XXXX datedXX/XX/XXXX
2 ) Paper photo prints of car showing no damage. Many photos of car showing all angles that there is no damage to vehicle.
3 ) Signed written testimonial of XXXX XXXX XXXX XXXX Motors Sales Manager on the authenticity of the digital videos and photos being taken at the dealership on the date XX/XX/XXXX during the Odometer disclosure and grounding procedure. ( Video take at grounding shows XXXX XXXX in process of taking the odometer reading ).
4 ) 360 degree video of my car at dealership at the time of grounding while the odometer reading being conducted by XXXX XXXX XXXX XXXX Motors Sales Manager. Video time date stamp XX/XX/XXXX 5 ) Toyota Financial Services claim of damages I have not received any response from Toyota Financial Services Leasing Department on my dispute. On XX/XX/XXXX I received a bill collection call from XXXX employee ID XXXX at Toyota Financial Services Leasing Department and she saw no record of my dispute or any action taken by Toyota Financial Services Leasing on the bill which they are still actively trying to collect from me. I have done all procedures requested and I fear that my credit rating will be adversely affected by Toyota Financial Services Leasing Department collection actions and their failure to take appropriate actions on my dispute.
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| 05/03/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : TOYOTA MOTOR CREDIT CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 12/06/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Taking out the loan or lease
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Web |
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On XX/XX/XXXX I walked in to XXXX of XXXX in XXXX XXXX, CA interested in looking at vehicles. I ended up signing my first lease ever XXXX having purchased all of my vehicles thus far XXXX and was given misleading information which lead to me placing a {$13000.00} down payment ( via the trade in of my owned XXXX XXXX in mint condition with XXXX brand new XXXX '' tires which were XXXX weeks old ... XXXX XXXX XXXX XXXX the value of my XXXX at {$18000.00} XXXX. My payments every month have been {$450.00} with XXXX miles allowed yearly and a residual payment of {$17000.00} should I choose to purchase the vehicle at the end of my lease in a week.
I was lead to believe that the {$13000.00} would be applied towards the back end of the lease ... .meaning that if I wanted to purchase the vehicle I would end up owing $ XXXX $ XXXX {$4300.00} when in all actuality I have come to find out that I have lost my {$13000.00}.
Something appeared wrong when after leaving the dealership ... .I received a phone call on the following day by the sales person XXXX XXXX XXXX XXXX of the managers at that location ) informing me that the dealership was going to add XXXX on my vehicle for " free '' ... .that was too good to be true! When I went back the following day for the wheels I once again spoke to XXXX XXXX asking him if I had gotten ripped off ... XXXX assured me that I had not.
About 6 months into it I asked a good friend to take a look at my deal and he stated that there was no way of getting out of my deal ... .and in simple words ... I had been taken advantage of! I contacted the dealership and spoke to the head sales XXXX, XXXX XXXX, who stated that the only thing he could do was put me in a new vehicle ... .he assured me that his sales managers would be able to help me ... .I stopped by twice with my roommate and neither times anyone knew of me or my situation ... ..and conveniently that head XXXX XXXX was never there XXXX Having thought about it and spoken to several people all I wanted was for them to make a bad situation right! I was not looking for my {$13000.00} back .... I asked them to take off {$10000.00} on the back end purchase of the car or give me {$10000.00} cash which would have left the dealership with a down payment of {$3000.00} and a monthly payment of {$450.00} which I deemed plenty towards the lease of a XXXX XXXX. Having had no luck dealing with the dealership I contacted XXXX of XXXX XXXX and the Better Business Bureau ... ..again in vain ... .I have just been given the information regarding the CFPB and at this point I have reached the end of my lease having made every payment to XXXX XXXX but what XXXX has done XXXX inexcusable and should be illegal!!! Now on XX/XX/XXXX I will receive a final bill for {$350.00} as a " re-stocking '' fee for relinquishing my vehicle ... .as if they had not made enough money from me as is! That deal should be considered " XXXX Theft '' especially coming from a business who misleads and rips off people!!! By the way ... .all of the sales people and managers involved in my deal have been fired yet the owner of the dealership or Toyota have yet to make it right by me the customer!!!! At this point I just hope that this shady business gets investigated for fraudulent activities!
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| 03/21/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I am disputing TFS response to CFPB case number : XXXX.
Toyota Financial Services XXXX provided an explanation on why TFS was not able to remove the late payment indicator.
There remarks exposed a new problem that must be addressed and fixed because TFS credit reporting about this incident is inaccurate.
I am disputing TFS response for the following reasons : I believe that TFS inaccurately reported a 30 day late payment for XX/XX/2016. TFS reported to all credit bureaus that there was a 30 late payment associated and listed for the month of XX/XX/2016. This is not correct and according to the deferral agreement provided and attached to this report. TFS granted me a deferment for the months of XX/XX/2016 and XX/XX/2016. TFS also charged me a deferral fee of {$16.00} for which I paid or else the agreement would not go into effect.
Background information : I do n't understand why TFS did not offer me the opportunity to apply for a monthly deferment prior to the account going 30 days late. Once the account did go 30 days late, TFS then offered a deferment option for which I did sign up for, paid my fee and was granted a deferment for the month of XX/XX/2016 and XX/XX/2016. I am having a difficult time understanding why after I called TFS repeatedly ( at least 9 days prior to the due date ) to report that I was a victim of fraud and asked for their assistance to help me avoid a negative 30 day credit mark that this payment option was not offered to me in an effort to avoid this serious problem. Fraud is a serious problem that affect customers everyday and no customer is ready or has the knowledge to deal with this problem until it occurs. TFS is the lender and the have the financial expertise to deal with customer payment problems and have different solutions they can offer to their customers to help them due a time of crisis. I would have done anything to avoid a 30 day late payment.
My next question is how do I have a 30 day late payment from TFS for XX/XX/2016 as listed on all of my credit reports as provided by the major the credit bureaus. I was granted a deferment from TFS for XX/XX/2016 and for XX/XX/2016. According to TFS response to my original complaint, TFS responded that according to the Fair Credit Report Act, TFS is required to fully research disputes lodged by their customers. Under these regulations, TFS is required to report accurate information. This means that TFS is not able to remove adverse information unless it is inaccurate. I am claiming according to all national credit bureaus reports that all companies report that TFS issued a 30 day negative credit marker for the month of XX/XX/2016. This is not factual and it is incorrect as I was granted a deferment from XXXX for XX/XX/2016 and for XX/XX/2016. Based upon these claims and the facts TFS charged me a fee to enter into a monthly deferment agreement. I am requesting that my credit report be corrected by TFS as it is inaccurate and misrepresents the actual facts. Based upon this new information, I respectfully ask that TFS expunge that 30 negative credit marker because it is false and inaccurate. Once again, I will point out that TFS is not able to remove adverse information UNLESS IT IS INACCURATE and in this case was reported incorrectly.
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| 01/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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Send an application for a XXXX to the dealer XXXX XXXX XXXX, speak by email with XXXX XXXX, which i explains what I was looking for, and how was my credit, and that I had a car to make a trade in which is also financed by the toyota financial I spent more than 4 hours in the dealer waiting for the approval, i drive the car I was going to buy, I did everything about the application even before i get there and XXXX tell me all were good they can help..but i need to go to the dealer, and I told the person that help with the process that I would put XXXX dollars of deposit, Again they told me i have to be there to see the value of my car for trade in. It was a waste of time, and money from me, there is no ethics and misleading information to attract customers.. is not professional, and should they not do it. I traveled from XXXX PA, to XXXX for nothing, and it was the first thing I said to XXXX ... he told me that the manager said that we can help you but you must come to the dealer I don't know how they did not approve the car if i had the one i trade financed with toyota finance, and I never failed a payment, I bought this XXXX XXXX for XXXX dollars, I gave XXXX of initial, and i pay XXXX payment.without missing a during almost a year, as it turns out that they did not even bother to call the toyota financial and explain the case. I imagine that since it is a used car i will buy, and not new, and that it would only put {$500.00} on this initial occasion ... I did not see much interest in the manager of approving this loan. In addition to completely devaluing the price of my car that buys from toyota indepence of XXXX for XXXX dollars and XXXX XXXX miles XXXX toyota offered me only XXXX, with about XXXX current miles. An abuse and fraud to customers.
I also noticed that my proof payments were not taken into consideration, and I feel that I was discriminated against by not even taking look at it since I am XXXX XXXX, and my income is from social security XXXX XXXX, I am work 18 years hard, if you look at the cameras I put the proof of payments on the table and I told him this is my proof of income, it is almost 2800 dollars monthly, and I have a house rented for XXXX dollars, after i pay the mortgage and I have about {$400.00} extra monthly, which is an income .. but they never not look at the papers.that is the first thing dealer ask when you are about to finance a card, proof of income ... and what they told me after hours, is that toyota financial does not want to make the loan because i have a past bankruptcy on my credit, I told him if I have a bankruptcy that has been discharged for almost 3 years, it is chapter XXXX, which was 5 years old and I paid it in two ... and on the month of XXXX will be removed because is discharge almost 3 ... Even so, he only said he could not do anything, because he could not go back to his manager to ask why it was his decision.
So my question is, how the toyota financial says it would not give the loan if the XXXX i own I bought it almost 12 months ago with toyota financial, and when I bought it had the same bankruptcy which was already discharge and was in my credit file too?? It something here that don't fit .. at the same time I have never failed a payment.
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| 07/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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To whom it may concern, I am submitting this complaint to the Consumer Financial Bureau because Toyota Motor Credit failed to acknowledge and abide by federal law 15 US Code 1692c. ( c ) ( 2 ) Cease and Desist communications. I sent this letter by certified mail on XX/XX/2021. Please refer to the exhibit 1a. On XX/XX/2021 a letter was typed by me indicating to Toyota Motor Credit that they had not stopped communication with me as originally requested and they were in violation of federal law 15 US Code 1692. On XX/XX/2021 I also drafted an affidavit of truth outlining the various violations and that of the federal law of 15 U.S. Code 1605 and 15 U.S. Code 1692 and 15 U.S. Code 1681b and sent a letter and affidavit of truth on XX/XX/2021 via priority mail see exhibit 1b. I am enclosing copies of the recent violations of 15 US Code 1692c. ( c ) ( 2 ) Cease and Desist communications from XX/XX/2021. Toyota Motor Credit is in complete control of their internal IT department and it makes no sense or reason why they could not obey Federal Law and cease communications as requested. So, I am requesting that the Consumer Financial Bureau Protection agency enforce the laws and enforce my consumer rights for these violations that have occurred I demand deletion from my consumer reports. See exhibits A-E attached in this complaint. Also, there is a violation of 1605 ( a ) ( 3 ) Loan Fee, finder fee, or similar charge which shouldve been included in the Finance Charge and was not, there is a violation of 15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy as a consumer was violated by TOYOTA MOTOR CREDIT so they are in violation of 15 U.S. Code 1681 ( a ) ( 4 ). There also is a violation of 15 U.S. Code 1681b which states, Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.
I never gave TOYOTA MOTOR CREDIT any written consent or written instructions to report anything on my consumer report. Concerning the account with TOYOTA MOTOR CREDIT as a consumer Im demanding a deletion of the account from my consumer report. According to 15 U.S. Code 1681 : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. In 15 US Code 1605 ( a ) ( 1 ) Finance charge : Congress does not state that a late fee is part of finance. Actually the sum of all fees directly and indirectly have already been included in any consumer credit transaction so late payments are not included in the law passed by Congress on behalf of consumers. My information was also impacted by the XXXX data breach and may have gotten Into the hands of the wrong person.Thank you in advance
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| 10/29/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2022, I XXXX : XXXX XXXX sent a debt validation letter to TOYOTA FINANCIAL SERVICES and received a response stating that they were not a debt collector. I filed a CFPB complaint on XX/XX/2022, and received FROM TOYOTA FINANCIAL SERVICES, the original contract between XXXX XXXX and XXXX XXXX XXXX, an account history document created by TOYOTA FINANCIAL SERVICES, a notice to sell the property and a copy of the letter confirming that they would stop all communication with me. TOYOTA FINANCIAL SERVICES ' claim to not be a debt collector as defined under the Fair Debt Collection Practices Act is misleading because debt collector is defined as any person who collects a debt. The account history TOYOTA FINANCIAL SERVICES provided shows proof that they were collecting this alleged debt from me. In addition, I received a statement from TOYOTA FINANCIAL SERVICES on XX/XX/2022 in the mail requesting for payment and stated this is an attempt by TFS to collect a debt which the law states a debt collector must do. The original contract TOYOTA FINANCIAL SERVICES provided from their records evidences a consumer credit contract which is stated on page five ( 5 ). The original contract does not verify that there is an agreement between you and I to collect this alleged debt only evidencing an agreement between XXXX XXXX and XXXX XXXX XXXX. Page one ( 1 ) shows that the full name and address of the creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA not TOYOTA FINANCE. California commercial code states that in order to enforce a contract for sale of goods there must be proof of an actual contract between both parties in sufficient writing. If there is no proof of contract then TOYOTA FINANCIAL SERVICES must be in contact with the wrong consumer. I have already went ahead and requested an audit from the IRS on this account because as a consumer I believe that I was not clearly and conspicuously disclosed all of the legal terms in this contract which made me genuinely believe that I owed this alleged debt to TOYOTA FINANCIAL SERVICES. TOYOTA FINANCIAL SERVICES has caused me so much XXXX XXXX to the point where I am not able to sleep at night, it is hard to get out of bed because my body aches ( which has caused me to seek XXXX XXXX ) from the constant stress of TOYOTA FINANCIAL SERVICES harassing me through mail and phone in an attempt to collect this alleged debt from me.
If TOYOTA FINANCIAL SERVICES believe I still owe this debt and wish to continue enforce payment on me please validate this claim by providing proof that I owe you with verification of the following as the law applies : 1 ) The original contract of me promising to pay TOYOTA FINANCIAL SERVICES in the amount of XXXX payments of {$920.00} with a finance charge of {$5600.00}.
2 ) Verification of location information 3 ) Verification of my address 4 ) Account ledger authenticated by a certified accountant If the debt is not validated, in 7 days from receipt of this letter then my claim is true in accordance with applicable law. You must stop all collections, refrain from any adverse action against me which includes any negative reporting to the Credit reporting agencies, refund me all payments that were collected and pay all violation fees.
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| 01/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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A payment of {$900.00} was made on XX/XX/XXXX, however, it was n't until XX/XX/XXXX that the payment was processed and returned as failed. The circumstances in which this issue has come are somewhat unclear to me since the bank account that funded the payment had enough funds to cover this charge. Furthermore, considering the amount of time it took for the payment to get processed we even reached out to Toyota Financial Services customer service to try and make a second payment ( if needed ), but we were told not to make it for two reasons.
1.If the payment were to fail, it is processed one more time by Toyota. ( this did n't happen ) 2.If we make a second payment both payments might end up going through.
At the direction of customer service, we did not follow through with this plan and it was n't until we were called again that we were notified about the payment failure. Through this call customer service took the payment once again ( it went through ) and notified us of our option to dispute the 30-day marker with Toyota Financial. We were told that the account has notes that detail our previous discussions with them, our attempts to make a second payment, as well as the failure to run the payment twice as previously mentioned to us.
I should note that this is the second time this very same issue occurred. I was able to successfully dispute the first incident and was under the impression that the same would happen this time around given the circumstances and given the notes left by customer service. In response to my first dispute letter Toyota Financial replied as followed : Our records reflect that you submitted the same dispute to one or more times in the past and Toyota Financial Services ( " TFS '' ) previously fully investigated and responded to your concerns. As a result of the prior investigation, we determined that we are correctly reporting the status of Your Account to the credit reporting agencies.
While it is true that the same dispute had been submitted once in the past I would like to note that the first and only dispute was successfully resolved in my favor and the 30-day later marker was removed from the account. Thus, I have XXXX points to make here : If this dispute is the " same '' as the previous dispute and the previous dispute was resolved in my favor why was this dispute not resolved as the " same ''? That is, why was it not resolved in my favor?
Furthermore, if the investigation is based on the previous investigation as TFS stated " As a result of the prior investigation, we determined that we are correctly reporting the status of Your Account to the credit reporting agencies. ". Strictly going off of the result of the previous investigation should yield the same results for the second.
I replied to them making these points as well as providing further financial documentation to support my cause. In response I received the exact same automated letter from Toyota Financial without a single response to the XXXX points I made. I am unable to reach them via telephone and they will not address my issue. I will to continue to dispute this until Toyota Financial acknowledges their mistake and removes the 30 day late marker from all XXXX credit bureaus.
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| 06/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, La.70459 XXXX XXXX Toyota Motor Credit XXXX XXXX XXXX XXXX XXXX , IA XXXXXXXX Subject : Dispute Letter of Complaint Regarding Inaccurate Information and Violation of Rights Under FCRA, XXXX , GLBA, and 4th Amendment Dear Sir/Madam, I am writing to bring to your attention the serious matter of inaccurate information being reported by Toyota Motor Credit , which is a direct violation of my rights under the laws of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681 ( I ) s2b, as well as the Magnuson-Moss Warranty Act ( XXXX ) and Gramm-Leach-Bliley Act ( GLBA ). Additionally, I believe that Toyota Motor Credit 's actions have infringed upon my rights protected under the 4th Amendment of the United States Constitution. Therefore, I am demanding the immediate deletion and suppression of the account associated with my credit profile. Failure to comply with this request will result in my pursuit of damages for willful non-compliance.
Under 15 U.S.C 1681 section 602 A, I am granted the right to privacy, which has been violated by Toyota Motor Credit 's inaccurate reporting. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions, which have not been provided or authorized in this case. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information in a consumer report, except for records of convictions of crimes that are more than seven years old.
Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Toyota Motor Credit has clearly violated this provision of the Fair Credit Reporting Act by providing inaccurate information to the reporting agencies.
In light of the aforementioned violations, I request that you immediately delete and suppress the account associated with my credit profile. This is not only my right as protected by federal law but also an essential step towards rectifying the inaccuracies that have been reported.
The following is a list of specific accounts that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : [ Specify the accounts and relevant details here ] I must emphasize that this matter is of utmost importance, as it concerns my rights as a consumer. I expect a prompt response from Toyota Motor Credit confirming the removal of the disputed account from my credit profile. Failure to comply with this request will leave me with no choice but to seek legal action and pursue damages for the willful non-compliance with federal laws and regulations.
I trust that Toyota Motor Credit will take this matter seriously and undertake the necessary steps to rectify the situation promptly. Please provide me with written confirmation of the actions taken to resolve this dispute within XXXX days of receiving this letter.
Thank you for your immediate attention to this matter. I look forward to a prompt resolution.
Sincerely, XXXX XXXX
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| 03/22/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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When I first leased my car they told me my due date was on the XXXX of the month. I told them I get paid twice a month and my rent is due on the first so I needed it to be due on the XXXX like all my past leases. They said I needed to pay the first paymement and then I could call to move the due date. They said there was a grace period for payment so it was okay if I was late the first time. I was late as I told them I would be and called to change the due date to the XXXX. They did it NO PROBLEM. Next month comes around I get a bill for the XXXX again. I call, they say oh it sometimes takes a cycle to change. No worries it will be on the XXXX the next month. I pay late because I was assured the month prior the date was changed and they said it just takes time but they can see the request in my file. One time I had even paid but it wasnt showing up on their end due to 2 a lag from 2 back to back holiday they were closed but I had proof and Confirmation to provide it cleared my account I had to provide before they would stop calling my work who I told them not to call numerous times because Im not allowed calls and told them to remove that number. The said the would but never did and kept calling and getting me in trouble with my boss. They would call sometimes 10-20 a day even when they said I was off that day. This goes on for a few months. Finally they say oh you need to sign a request to change let me send that to you. I receive it, sign it, send it back and it happens again ... I try changing the date on line instead of calling. Same thing. Today I get the mail, no change AGAIN! Im fed up. I call, same story. I say Im not doing this again. I want to speak to a supervisor. Im put on hold for a half hour. Then someone comes on and says you are late we cant change the date until you are current. I explain, Im late because each month you assure me you have changed my date and you dont. I feel like you are doing this to collect extra fees. I know you have record that I have made a request EVERY month since I got the car because the representative told me she can see each and every request listed in my account. She said yes, I see that too but we wont change your date until you are current. I say Im current now. She then says but your next bill is due in less than 19 days so we dont have enough time to change it. We can change it if you pay your next bill and then request it. Its the same difference and the same amount of time. She refuses to give me the name or contact information for someone above her and said nobody else can or would help me. I insist there must be someone else I can speak with she said no! She is the end of the line. I believe they are refusing to change the date to collect late fees. I have never been later than the 15-20 day ( not sure how long it takes to process ) I just want a simple 15 day due date change. In all my prior loan for 3 cars I was NEVER late. I have done this date change a million times with many different types of companies and never once did it require more than a simple phone call. I tried to go all the way up the chain of command today and was on the phone for over an hour but they refused to move the date.
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| 05/28/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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Around XX/XX/XXXX I leased a vehicle with Lexus Financial Services ( " LFS '' ). I had several issues with LFS - which I 'm currently going to address the last ( I may file a complaint at a later problems due to other issue with LFS ).
Around XX/XX/XXXX, I traded the Lexus in on an Audi ( XXXX XXXX in Ohio ). At the time a payment to LFS was pending being credited to my account ; therefore, I was unsure of the exact pay off amount. I signed the paperwork with XXXX to payoff the Lexus for {$17000.00}.
I later received voicemail ( s ) from XXXX including LFS would n't provide XXXX the payoff information for the Lexus, and XXXX requested I contact LFS to get the information. ( There 's more than one voice mail which I still have them. ) I did called LFS, received my updated payoff amount which was {$16000.00} ( much less than the {$17000.00} I signed the paperwork for ) ; and I emailed the information to XXXX. ( There are several emails involved which I also kept the emails ).
My understanding from XXXX XXXX is LFS released information which is privacy protected ( which LFS had told me they are n't allowed to release due to privacy ; and LFS later denied they said such though I 've XXXX XXXX on voicemail saying such. I 'd need to read the emails to see if its in email as well ).
It was n't until around XX/XX/XXXX I received a letter from LFS that the Lexus had been paid off.
By XX/XX/XXXX, I still had n't received a credit from LFS or XXXX XXXX for the difference of the overpayment of the trade-in ( {$17000.00} on the paperwork versus the {$16000.00} LFS showed as due ). So XX/XX/XXXX I sent a letter to each LFS and XXXX XXXX ( as being provided with this complaint ).
XXXX XXXX called me : again claiming LFS would n't provide them the payoff information ( though I 'd also emailed it to XXXX XXXX a few time myself which I have the emails ), that XXXX XXXX issued a check to LFS dated XX/XX/XXXX for the {$17000.00} which the check had cleared ( please keep in mind I traded in the Lexus on the Audi around XX/XX/XXXX - so XXXX XXXX did n't even issue the payment to LFS for nearly a MONTH, and they did n't provide the date the check cleared ).
I never made a late payment to LFS nor did I have a late payment on my credit report ( I do n't know now whether I do due to the delay of XXXX issuing payment to LFS. However, the payoff issue was between LFS and XXXX ; and I firmly believe my credit should not be negatively affected due to such ).
Based upon what XXXX XXXX shared, XXXX paid LFS the {$17000.00} ; thus, LFS owes me the refund. Even though my letter to LFS provided until XX/XX/XXXX, I received NO response form LFS ( which does n't surprise me as I had numerous problems with them ).
There is more detail available in the letters dated XXXX XXXX, XXXX - one to LFS and one to XXXX XXXX ( which also provide the mailing address ). If the emails and/or recordings are necessary I 'm willing to forward them.
I am hopeful I wo n't be forced to waste more of my time dealing with this nonsense and once I file this complaint that LFS will issue the appropriate refund in a timely manner, and make sure my credit report is not nor will be negatively effected.
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| 06/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- High-pressure sales tactics
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Web |
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I am a simple, humble, XXXX from XXXX working as a XXXX XXXX
As my 20 year old car was breaking down often and consuming a lot of gas, I finally decided to buy a good car for my work.
So I visited XXXX XXXX of XXXX NY car dealer on XX/XX/2021 in order to find a car that would suit my needs and with low gas mileage.
A rookie salesperson approached me and helped me identify the car of my choice. I was aiming at XXXX XXXX XXXX ( XXXX ) and she verbally told me the total price with sales tax/DMV fees/ registration would come to around {$50000.00} ( XXXX XXXX only ).
I agreed to this price verbally and she quickly requested a down payment and I agreed to give {$15000.00} via credit card. However I was charged {$15000.00} ( XXXX XXXX XXXX XXXX ) while I was not informed that an extra {$450.00} will be charged as a credit card processing fee. She also said that if I don't buy this now, there are others who are ready to buy it in cash. That instilled fear in me and I started following her instructions.
Then I was directed to meet the finance manager ( FM ) in his room. He quickly made me sign the finance documents blindly without giving me any explanation of each item. When I requested him time for me to read the documents before signing, he said in a harsh tone that a copy of each signed document will be offered in the end in a folder thus making me sign the contract under duress.
I almost felt like I was being coerced to sign at gunpoint. I had no choice. When I requested to speak with the general manager, I was told he is the final authority by the sales person. I was not even shown the window sticker from the XXXX XXXX XXXX at any time.
Then when I came home with the new car, I went through the documents in detail, I realized that I was conned. The initial verbally quoted price of {$50000.00} ( XXXX XXXX ) inclusive of all taxes/fees was now set at {$61000.00}. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). I was petrified and decided to go back the same day to the dealer but they were closed for the day.
So the next day XX/XX/2021, I went back and met with the finance managerXXXX XXXX and XXXX XXXX ( XXXX sales ) with a family friend. Now I was told I had no choice because I had signed the documents and had no other options. He wouldn't explain what " aftermarkets '' charge on the vehicle purchase agreement meant. He then showed me the window sticker after demanding it and then I found out that the price quoted on the vehicle purchase agreement was {$7100.00} more than the windows sticker price!!
I then called the DA 's office for XXXX county to identify what options I have. I was told by XXXX at the DA 's ( District Attorney ) office that I had to return the vehicle within 3 days of having bought it in order to press charges.
So the next day XX/XX/2021, I went back to the dealership to resolve the pricing issue else return the vehicle but the dealer was unwilling to help in anyway. So I called the XXXXPD ( XXXX county police department ) 911 and informed them about the issue. They dispatched officer XXXX XXXX ( badge XXXX ) filed a report # XXXX and offered to returned the vehicle to the dealer along with the keys.
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| 12/13/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I fell behind on a couple payments to Toyota Financial so I called an negotiated a payment extension based on what the agent told me over the phone. Later they repossessed my car for non-payment and when I called them was told that I was never granted an extension and if I had been a totally different process would have needed to be followed than what I was originally told. Toyota refuses to put anything in writing or even send me an email summary of what was discussed on the call ( I asked multiple times ) so while I was under the belief my payment was extended they continued to register me as not paying.
When I called again after my car was repossessed I was treated poorly by every single agent and manager and each time the details changed which I was unable to track because again they refuse to send anything in writing. When I questioned why I never received a default notice in the mail they told me it came back unreturned, however, my mail forwarding is still in place so this is not possible. Further they did not send a notice to my co-signer even though they have sent him multiple statements in the past. Again they claimed it came back undeliverable.
I had to pay hundreds in fines and over a thousand in past-due payments which I believed had been extended based on a phone conversation with an agent. When Toyota called me they consistently asked for personal information without identifying themselves which I identify as a phishing scam and do n't respond to.
They have acted wholly unprofessionally and my credit score has now been penalized and I have had to pay in the thousands just to get my car back from a loan I had no idea I had defaulted on. When I mentioned that I was not sure how a payment extension works since I have never done one before they just kept referring back to the same " if you read your contract '' statement even though my contact would not cover a payment extension instituted during the life of my loan.
I was repeatedly told that agents were not allowed to put anything from the calls into writing so when I did n't receive any email or letter noting the extension I did not think this was a problem. I do n't think it is right that a company can have discussions and make alterations to a loan without leaning any paper trail and then turn around later and basically claim that I am lying because I do n't have a paper trail of my conversation with the agent. The later agents and managers I spoke to refused to even try to reach out to the agent who had originally granted me the extension and instead treated me as some kind of criminal who willingly stopped paying off a loan which I had already paid somewhere in the range of 75 % of.
Again the main issue is that they refuse to put anything into writing that was discussed on a call then placed the fault with me when I could not prove that the agent granted me an extension and repeated treated me as if I was lying without checking with their own agent as to if an extension was granted.
It should not be legal for a company to deal entirely in word of mouth contracts without a paper trail especially since the original contact was obviously a drafted legal document.
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| 11/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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My daughter totaled her XXXX XXXX XXXX the first part of XX/XX/XXXX. My insurance company XXXX, finally settled with me at the end of XX/XX/XXXX. They totaled the car and sent Toyota Financial Services a check for a little over {$12000.00} to settle their portion of the car, again at the end of XX/XX/XXXX. Toyota Financial Services did confirmat with me XX/XX/XXXX that they had received that payment from XXXX. When we purchased the vehicle from XXXX XXXX in XXXX, TN we did pay for 2 warranties and for XXXX coverage. There is more money owed on the vehicle than what my insurance company paid to Toyota Financial Services. But we paid for XXXX insurance at time of purchase I have spoken with Toyota several times since XX/XX/XXXX. They keep telling me they are " waiting '' on the XXXX insurance to pay the remainder of the balance and I still have to keep making payments until I receive a paid in full notice from them. I have an automated payment set up on this account to be paid on the XX/XX/XXXX of every month. I now have paid 4 additional payments on this vehicle that was totaled in the beginning of XX/XX/XXXX. I have no info on this XXXX insurance, not from the dealer the car was purchased from nor my financial institution. I am at a loss of what to do at this point.
The XXXX claim was started " supposedly '', per Toyota, mid XX/XX/XXXX. When I called last month around XX/XX/XXXX they confirmed the claim was started, and that I just needed to wait. They also told me that instead of returning the unused portion of our 2 warranties to us, they were keeping it to help compensate for the difference in what was owed on the vehicle v/s what was paid to Toyota by my insurance company. We have only had this vehicle about 18 months when the wreck occurred. I believe what was owed on the car was around XXXX v/s the XXXX paid out by the insurance company. But again, since this accident I have paid 4 car payments of {$410.00}. And I also am making another car payment because my daughter had to have something to drive. So I have been making 2 car payments since the beginning of XX/XX/XXXX. I feel like Toyota is just delaying this process to get as much money from me to mitigate their losses on this car. But I can't stop paying this car payment to Toyota because it will negatively impact my credit.
Please help me find some resolution. I just tried to call Toyota Financial Services again, after they took a XX/XX/XXXX payment from me, and their automated voicemail says the Loss Mit department is have technical problems and can't take my call?
Here is my loan information with Toyota Financial Services and this is the number I call everytime Customer Service in the XXXX XXXX | ( XXXX ) XXXX Monday-Friday : XXXX Local Time ACCOUNT : XXXX RETAIL CONTRACT XX/XX/XXXX OTHER XXXX AMOUNT DUE {$410.00} Payment Pending DUE ON - XX/XX/XXXX Request Change PAYMENT DETAILS Monthly Payment - {$410.00} Past Due Charges {$0.00} Late Charges {$0.00} Misc. Charges {$0.00} Last Payment Received - {$410.00} - Paid On- XX/XX/XXXX Here is from my bank account showing they have taken another payment for XX/XX/XXXX XX/XX/XXXX - TOYOTA FINANCIAL - {$410.00}
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| 08/07/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
Older American, Servicemember |
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Summary : XXXX XXXX Toyota Dealer ( XXXX Florida ) has despite my repeated communications failed to pay off the Toyota Financial Services ( TFS ) lease contract pertaining to my trade-in vehicle ( XXXX Toyota XXXX XXXX XXXX TFS stated that the lease buyout has not been submitted by XXXX XXXX Toyota.
XX/XX/XXXX : Vehicle purchase by XXXX XXXX XXXX from XXXX XXXX Toyota ( XXXX FL ) of XXXX Toyota XXXX, with trade-in of XXXX Toyota XXXX ( including trade-in allowance of {$35000.00} covering lease balance/dealer net of $ XXXX XX/XX/XXXX confirmation by XXXX XXXX Toyota ( XXXX XXXX, Sales and Leasing ) with Toyota Financial Services of dealer net amount XXXX XXXX lease contract, XXXX purchase agreement and title transfer documents attached ).
XX/XX/XXXX Communication with Toyota Financial Services ( TFS ) Customer Support Center : requesting confirmation of no lease payment due, and providing TFS with documents-including purchase agreement and title transfer-to document XXXX XXXX Toyota dealer buyout of XXXX leased vehicle ) ( copies of Support Center messages attached ).
XX/XX/XXXX Emails from XXXX XXXX XXXX to XXXX XXXX ( Business Manager, XXXX ) and XXXX XXXXXXXX ( Sales and Leasing, XXXX ; XXXX ) : indicating that Toyota Financial Services states that there has been no lease buyout ; XXXX requests dealer assistance ( see attached : Fwd : Your Recent Purchase Experience ).
XX/XX/XXXX Communication with Toyota Financial Services Customer Support Center : indicating that XXXX XXXX Toyota has still not paid off XXXX vehicle lease, and requesting refund for customers overpayment ( copies of Support Center messages attached ).
XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX Business Manager, XXXX XXXX Toyota XXXX XXXX ) to XXXX XXXX XXXX XXXX The payoff check was mailed to Toyota Financial Services on XX/XX/XXXX. The check # is XXXX.Please let me know once the payoff has posted. XXXX XXXX Business Manager XXXX XXXX Toyota ( XXXX ) XXXX ( copy of text message attached ).
XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX to XXXX XXXX XXXX Business Manager, XXXX XXXX XXXX XXXX XXXX ) : Thank you XXXX XXXX XXXX copy of text message attached ).
XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX Business Manager, XXXX XXXX Toyota XXXX XXXX ) to XXXX XXXX XXXX XXXX You are very welcome! Please feel free to reach out to me if there is anything I can do! ( copy of text message attached ).
XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX to XXXX XXXX XXXX Business Manager, XXXX XXXX Toyota XXXX ( XXXX ), reaching out per XXXX XXXX XXXX statement to contact him if there is anything that he may do : Hello Mr. Hunt , I checked today with Toyota Financial Services and they still show no payoff and now have me responsible for an additional XXXX lease payment. I am now even more concerned that something has gone wrong and that I will be held responsible to TFS for my trade in vehicle. Can anyone at XXXX contact TFS directly to straighten things out? TFS is not taking my word that XXXX purchased my trade in and paid off the lease. Thank you. ( copy of text message attached )
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| 07/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was damaged or destroyed the vehicle
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Web |
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XX/XX/XXXX XXXX XXXX XXXX was totaled in double hit and run. My son was the only vehicle to stay at the scene. Vehicle was towed by police to XXXX XXXX XXXX.
XX/XX/XXXX XXXX hired {$12.00} XXXX XXXX XXXX XXXX was paid {$750.00} for tow and 18 days of storage.
XXXX XXXX vehicles were rented {$390.00}.
XX/XX/XXXX Denial letter from XXXX XXXX, Claims Generalist for XXXX.
XX/XX/XXXX Toyota Total Claims Department was notified of totaled vehicle.
XX/XX/XXXX Toyota was paid {$250.00} on auto loan.
XX/XX/XXXX XXXX XXXX, CPPA, SPPA private, independent auto insurance adjuster was hired to evaluate and document evidence of Toyota XXXX XXXX totaled condition {$150.00} and send Toyota evidence of totaled vehicle.
XX/XX/XXXX Toyota XXXX XXXX was towed by XXXX XXXX to a residence {$80.00}.
XX/XX/XXXX Toyota was paid {$380.00} on auto loan.
XX/XX/XXXX Police report was obtained {$9.00}.
XX/XX/XXXX there was a 16 day delay on the part of Toyota to process this claim due to a change in 3rd party vendors.
XX/XX/XXXX GAP claim initiated.
XX/XX/XXXX XXXX XXXX at XXXX XXXX sent a notice to XXXX XXXX XXXX management office to stop towing of vehicle after notification was given of the their intention to tow the vehicle.
XX/XX/XXXX XXXX XXXX requested additional information already offered to them. They asked for a police report which I had in my possession and offered to send a week prior.
XX/XX/XXXX XXXX XXXX sent a report on the vehicle declaring it totaled to XXXX XXXX of XXXX XXXX.
XX/XX/XXXX received email from XXXX XXXX at XXXX XXXX regarding towing of the vehicle and how they will handle that situation. There was no follow up to that and the car was towed.
XX/XX/XXXX XXXX XXXX, Assistant Vice President, Recovery Pro at XXXX XXXX was informed of the formal notice the vehicle was scheduled to be towed XX/XX/XXXX and was.XXXX ID # XXXX from Toyota Financial threatening me if I did not have the care removed from the impound where it currently is they will repossess the vehicle which will result in 17 years of bad credit history for both my son and myself.
First Toyota delayed processing this claim for 16 days. Then asked for documents which they always received in a timely manner. They said they didn't need the police report, then did need it. The car has now been towed three times because Toyota did not process the claim in a timely manner. I was told they would tow the car, then after the car was towed I was told it was my responsibility even though I do not own the automobile out right, nor have a lien or title release. I XXXX told me to just take the car to salvage. We can not, we do not own the vehicle. Toyota has still not cooperated to resolve any aspect of an accident for an insured person and now is threatening me. There was no comprehensive or liability on this vehicle and Toyota had the right and responsibility to make sure the vehicle had proper coverage as the lender.
Toyota refuses to put anything in writing other than emails claiming security issues, yet they record every conversation. I am grateful this situation has been documented at least through phone calls.
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| 04/08/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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The servicing agent for Toyota Financial Services has paid property taxes on my vehicle when they are not due. They assert that they were billed for property taxes ( they were not ) and as a result, I owe them the amount of taxes they paid on my behalf. The vehicle lease originated in XXXX and there are no property taxes for leases in XXXX. In the state of XXXX, they may be required - I'm not aware as I didn't register the vehicle in XXXX. The origination address on the leased vehicle was in XXXX and the vehicle is for a XXXX XXXX - which is a car that runs on hydrogen gas. Currently, there are only hydrogen fueling stations in the state of XXXX and it doesn't make any sense that this vehicle will ever be registered outside of the state of XXXX. I never provided an updated garaging address but they assert that they were " pinged '' an address in XXXX and as a result paid the taxes. The vehicle has always been garaged in XXXX and has never been registered in any other state.
I requested a verification of debt on XX/XX/19 for the property taxes owed since I never registered the vehicle in the state of XXXX. I have not received anything showing me documentation that these taxes are owed - which can only be in error since I never had the vehicle registered in the state of XXXX. I informed them both verbally over the phone and in writing ( see attachments ) They assert that the charges will remain on my account unless I provide them documentation. The burden of proof should be on the lender if they are trying to collect the debt, not the consumer. I provided the latest registration as well as the registration history obtained from the XXXX DMV showing original issue date of the plates and registration transactions on the plates.
It is the NOT the consumer 's responsibility to take action on behalf of the lender to correct the lender 's error. I was told that the charges will be left on my account until I provide documentation the prior year registration - I no longer have. As named parties on the registration and title, " XXXX XXXX XXXX XXXX, '' they should be able to obtain this information themselves, especially with the information I provided ( plate ).
I've attached screenshots of just written communications and payment history. The latest verbal communication occurred today XX/XX/19, where I was told the charges would be left on my account until I provide documentation - which I took as a threat as they have every power for negative credit reporting and collection of fees and interest. I advised that I have not received anything proving I owe this. I was told that these charges will remain until I furnish additional documentation. I advised that this is not an abatement request since the taxes were never due in the first place. It should be the responsibility of XXXX or their appointed servicer to resolve the issue themselves rather than to have the customer resolve the error they created. To obtain this documentation is a burden as I can't currently afford to go to the DMV in XXXX as I work in the state of XXXX.
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| 12/14/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Shopping for a loan or lease
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Web |
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I contacted Lexus Financial Services by phone XXXX prior to returning my leased XXXX XXXX to XXXX dealership in XXXX XXXX. I asked XXXX very specific questions, XXXX ) whether they sell mileage at a discounted price ( like XXXX or XXXX ), and XXXX ) if they would waive my last XXXX payments if I got another XXXX as advertised by dealership and Lexus FS. Both times I was told they did n't sell discounted mileage, and I DID qualify for payment waiver. So, based on what I was told, I leased my second XXXX XXXX before I returned my first XXXX. Today I made a courtesy call to LFS to let them know that I returned my vehicle on XXXX XXXX, XXXX and to give them heads up as far as final billing. Well, here is the surprise catch : I was still required to make the last XXXX payments of my lease contract because I DID NOT purchase my XXXX vehicle at the same time of returning the first XXXX. Did anyone EVER mention this to me as a condition for a waiver? NO, NOT EVEN THE XXXX TIME WHEN I CALLED. I asked them to pull my XXXX previous conversations, and they told me that I did not ask a specific question, therefore they gave a general answer to my general question. I do n't know how could I have possibly been more specific. Moreover, I still have to pay {$350.00} disposition fee even though I have a second XXXX because, once again, I did not obtain it at the same time of the return. I am about to have a XXXX XXXX. This is a cheap shot by LFS for a valued customer like me, who got XXXX XXXX vehicles based on their advertisement and promotion, who has a credit score over XXXX, who never had a late payment. I told them how could a dealership promise something they could n't provide? They told me they were not responsible for what dealerships promised or promoted. I asked them how was that possible, do n't dealerships act on behalf of LFS and they also follow LFS guidelines? They said they did not answer for dealerships. They follow strict guidelines and policies as far as last XXXX payments waiver promotion. This is a total absurd. Should n't they let you know when you call and as a specific question? Should n't they let you know at the dealership? I think they are so eager to sell a car at the dealership that they oversee explaining the details of ongoing promotions. As soon as you are out of the dealership, NO PROMOTIONS APPLY. This i unfair advertising practices. I am at a loss and so angry that I am going to seek legal advise as to how to return my new vehicle and simply NEVER deal with LFS again. This is such a low-balling that I am speechless. I wish I read all the bad reviews at XXXX here before I considered buying a XXXX. HORRIBLE, DISHONEST, MISGUIDING, AND CHEAP SHOTS ... They are very dishonest. They said they sent a certificate explaining the promotion details, but I never got it, that was why I called them XXXX in different times and received the misdirecting answer from them. They simply want me to pay for XXXX cars instead of waiving my last payments of about {$650.00} as PROMISED and ADVERTISED.
|
| 06/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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Well I suppose allow me to just start out by saying thankyou for clearing up the situation. These past 2 months have been extremely stressful trying to figure what was really going on, Between going back forth between you guys and the credit bureaus ( needless to say ) is a fight in itself. Now that I fully understand situation I believe in the spirit of good faith we can come to a mutual agreement. Please understand that during the time period this account was established I had was very happy with the service, I was XXXXyrs old and just got my dream car. I was also very young and made financial mistakes, and I take full responsibility for that. During that time my mom was very sick and I often had to skip work in order to care for her, which inevitably lead to me becoming late on my payments. These past few months ive been cleaning up my credit to help my mom and I have a chance at a better financial future. This account is the only thing left on my credit report holding me back from financial freedom. I Pray twice a day everyday, for XXXX to give me the wisdom I need to get this acct removed from my report. I dont know whomever is going to be reading this response, but im asking you to please help me. I dont mind paying the {$8900.00} owed to you. I know that payment was my responsibility and I am not attempting to justify this breach of user agreement, I was however hoping under certain conditions you might review the circumstances under which this nonpayment occurred and consider removing ( or suppressing ) the negative trade line associated with this account from my three credit reports. im currently in the process of consolidating my debt owed to you so that I can PAY IT IN FULL. However I require your assistance in doing this. If you could just not report my acct to the bureaus for just 1 month, 2 at the most ; but really 1 should be enough. I would be able to gather the funds needed to payoff the debt IN FULL. I am simply asking TOYOTA MOTOR CREDIT for a courtesy gesture of goodwill in having the credit bureaus remove ( or suppress ) this account from my report. I do recognize that this request is unique and that it may not be normal policy. But please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping that TOYOTA MOTOR CREDIT will do that in my case for this account. Im sure that there is some type of simple agreement you can send me in response to this request ; if need be I will sign it and send it right back to you. Please whomever is reading this, just give me one chance. Just one chance to fix this problem. I believe it serves both of our interests. You want my money, and I want to give it to you so I can fix my credit and help my mom out. Please.
Your kind consideration in this matter is greatly appreciated.
Best Regards XXXX XXXX XXXX
|
| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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Good morning, I'm extremely frustrated. My husband and I are trying to rate lock on our new house and Toyota Financial Services ' practices may impact our rate when my credit is pulled next week due to failure to timely credit my payment to my account and report payments made accurately to my bureau. ( I understand the distinction between crediting and posting payments - I am asking my payment to be credited. I understand it may take longer for my payment to post. ) Given the rapidly rising interest rate environment, we scrapped together money to pay off our truck to improve our debt-to-income ratio so we could qualify for a better rate on our 30 year mortgage rate lock. We paid on-time per the Toyota Financial Services system . Money has already been deducted from our bank. My account with Toyota Financial Services has cycled. It does not show that we've made any payment, nevermind having paid off the vehicle entirely. My current account status is " past due '' and showing an inflated minimum payment amount - a past due balance plus next month 's payment- which makes it look like I actually owe more than I do. ( Nevermind that I actually owe NOTHING. ) When I raised this with Toyota by phone, they indicated that even though I paid on time, they have not credited the payment to my account. Apparently they will credit the payment to my account via back-dating when the payment posts. In the meantime, my account has cycled- effectively making it look like I didn't pay on time.
According to the representative that I spoke with, Toyota may take up to 10 days to credit my payment even though 1 ) it was made on-time, and 2 ) the funds have been deducted. Additionally, the representative indicated that the Toyota only updates bureaus once every 30 days ( this is standard - I get it ), that the next update will occur at the end of XXXX and that my credit report will not show up until approximately the end of the first or second week of XXXX.
In the meantime, the information that was reported when my account cycled shows an inflated payment obligation ( which makes my debt-to-income look worse ), Toyota has my money , and my bureau reflects stale information. This has never been an issue before now - our payments have always been credited timely.
I would like Toyota to 1 ) credit my payment to my account as of the date of receipt so my account does not indicate that I am past due ( even though posting/settlement may take them longer ), and 2 ) push an off-cycle update to my bureau showing that I made the payment on-time before my account cycled. I could care less how long it takes them to send me a payoff letter and the title, but they should be reporting payments made timely accurately, and my bureau should've been updated with this cycle- I shouldn't have to wait a full ~30 days for it to show correct information.
It's frustrating that I'm having to submit this complaint to begin with. I've been a really good Toyota Financial customer over the years.
Kind regards, XXXX XXXX
|
| 05/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I was recently notified by XXXX XXXX that I was late 30 days on my auto loan with Toyota Financial Services. I thought this was strange because I didn't receive any communication from them and just submitted a payment on XX/XX/XXXX. I called in and spoke with a representative on XX/XX/XXXX Wednesday. This first person that answered after I went through the automation didn't respond when the call went live and hung up when I was saying hello. I called back and spoke with a gentleman and explained my issue. He stated that he saw my most recent payment and said if I would like an extension for the past due amount. I told him I needed an explanation on 1. Why I wasn't notified and 2. Which payment was actually past due. He stated that he just sees the past due amount. I told him I can pay the additional amount owed but I want to speak to whoever is in charge of reporting the late status to the credit reporting agencies. He stated he didn't know who or how to get me in touch with this person, but he can submit a complaint and these individuals would give me a call to discuss by the end of the week. I never was contacted by anyone. Seems to be a pattern.
I contacted them again first thing Monday morning XX/XX/XXXX and spoke with a different agent. She stated that they denied my complaint. I asked why I was never contacted to discuss the matter and she stated they attempted to phone me and sent me letters. I explained that I never received a phone call from Toyota Financial Services and was for sure never left a voicemail. She stated that they attempted mail but when I called last week they didn't have my correct mailing address on file and had a work phone I don't even use anymore and has been disconnected since XXXX. I asked why I was never contacted via email as that is my preferred method of communication and she didn't have an answer for that. I stated that I receive an email confirmation when I make a payment and when my address was changed the previous week so I know they have that correct information. She was unable to assist me from this point so I asked for the call to be escalated to a supervisor or different department who is in charge of the credit reporting. She proceeded to put me on hold for 10-15 mins which now I believe she was discussing with her manager to get rid of my call because she proceeded to transfer me to a marketing division that handles these issues. I said ok, and when the next person got the phone I asked what her department had to do with my complaint she stated that she just tried to explain to the same agent that she doesn't handle these issues. I thanked her for being honest as she was pleasant to speak to after my frustration with the previous agent. I have a 100 % percent on time payment history across multiple creditors and I paid 2 monthly payments in the span of 1 week to address this issue all while dealing with this poor service from Toyota Financial. I believe they need to right their wrong and remove the late payment status.
|
| 04/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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- on XX/XX/XXXX XXXX I replaced a new bank account on my Toyota Financial services site regarding the lease of XXXX XXXX XXXX model that I had acquired during the XXXX of XXXX.
- on XX/XX/XXXX XXXX the transaction of {$180.00} was successfully charged.
- I had never skipped any payment during my first year since I had got the vehicle.
- There was more than sufficient funds available in my afore mentioned bank account.
- For the next two months, I was not charged for my vehicle.
- Around XX/XX/XXXX, I observed that my payments were not deducted from my account for the last two months.
- Upon inquiry I was told by the collection department that they have no knowledge of what had happened. The assured me that someone will call me within 24 hours.
- Nobody contacted me from customer service. Upon calling, they told me that I had requested not to call me. It was strange because the collection department told me earlier that someone will get in touch with me.
- I asked them to go ahead and charge my same account for two outstanding and one upcoming lease installments. But they refused and said that I will have to remit these transactions to them instead.
- I wondered why and upon inquiry I was told that I had defaulted for two months and that my case was given to collection department.
- I asked them as to why I was not informed by mail or email and do they have any proof that I had lapsed on the said discrepancy for which they had no response.
- I told them that I am not going to pay any surcharges as it was not my fault. They do not have any proof that there was insufficient funds in my account. I have the online bank statement to attest it.
- They agreed and waived off the penalties. I also intimated them to not report this to credit because it was incorrect and that there was a technical systems error on your part and that I had not lapsed in payments from my side.
- I was assured that if might reflect initially because the outstanding payment crossed that 60 day mark but that it will be removed from my credit history.
- On XX/XX/XXXX I sent Toyota Financial Services the three installments amounting to {$560.00} on XX/XX/XXXX they waived off the penalties amounting to {$20.00} which is reflected in the Toyota Financial Services Statement.
- Also my credit history can reflect that I had never missed any payments from any creditor. And that within a year my credit limit has gone from {$1000.00} to more {$50000.00} with a credit score of XXXX with TXXXX, XXXX with XXXX and Fico Score XXXX.
- This has been due to my responsible spending habits and ability to furnish my financial obligations in a timely manner.
- Upon my dispute with XXXX XXXX I was informed in an ambiguous fashion that the payment was on time. And that the amount disputed are incorrect.
- In both cases it is redundant and inaccurate. As there was no failure on my part whatsoever and this conclusion given is rather confusion impeding the rightful course of action.
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Toyota Financial has been a horrible company to me for many years now and this time it has gotten worse. I had requested for a payment relief from Toyota financial and they advised to either send the documents via mail or electronically. So me and my father ( the co-signer ) decided to do it electronically and uploaded. I thought everything was fine but on XX/XX/XXXX I received a messaged saying it has not been received. I sent again soon after and A few days later Toyota reached out to me and said that the electronic signing is not acceptable. My father and I signed it again with a pen this time and sent it back to them. I never heard back from them so I assumed everything was fine. After a week or so I decided to call them and thats when they told me that I missed the deadline and the debt relief extension was not accepted so I have to send another one. So I did the process again and sent another document. A few weeks later I saw my credit score dropped XXXX points and when I looked at it it was because of a missing payments from Toyota Financial. I was shocked because Ive never missed a payment before. Since I got this car Ive never missed a payment. I never even missed a payment on anything. When I contacted Toyota about it they told me they cant change anything and their reporting is accurate. I had called prior to that and the agent said they would send the document and never did. They send a message on XX/XX/XXXX asking about the documents but I had already sent it before way before the due date on XX/XX/XXXX which was the main reason for the extension request. Also the document clearly stated to send by XX/XX/XXXX the latest for some reason the system didnt upload it. Why would I risk missing the deadline when Im asking for a debt relief, its obvious I needed help. Toyota financial website didnt upload the first document I sent and this isnt the first the companys website malfunctioned. I have screenshots of failed payment that didnt go through because the website and app malfunctioned. I need this resolved because Toyota has been the worst company I ever dealt with and Id hate to have to take legal action because this isnt the first and only issue I have with Toyota financial. To give you a example imma include my horrible experiences with them. This is an on going issue I have with them and I think they purposely doing things to me. I bought my car in XXXX after graduating college at a Toyota dealership. They had new college graduate deal and they insisted buyer must have a co-signer so my father was my co-signer. The Toyota dealership purposely left my name out of the car registration and tittle so basically Im not the owner unfortunately. For years Ive been fighting to get my name on the title and they never resolved the issue. This is one of the many horrible stories I have with Toyota. Now theyre trying to ruin my credit score. Sorry this long but Thank you so much for helping me deal with this horrible corporation.
|
| 11/15/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account # XXXX ( ALL 3 ) XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX, OH XXXX ( XXXX ) XXXX ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) Toyota Motor Credit XXXX XXXXone open-one closed ) Toyota Motor Credit XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX ACCOUNT # XXXX
|
| 12/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I am writing a compliant about Toyota Financial Services ( XXXX. XXXX XXXX, XXXX XXXX, IA XXXX ). The company reported my account as delinquent to the credit agencies on XX/XX/2020. The disputed charge is for {$140.00} ( expected payment date XX/XX/2020 ), and it is marked as a " delinquent payment made in full between 60-80 days late '' on my credit report. My account is now closed, they have marked the account as paid in full, they have sent me the title to the vehicle, and I have never made a payment for {$140.00}. At no point did their online portal, phone system or paper billing system register the account as being delinquent. I have attached the two billing statements from XX/XX/2020 which all show a {$0.00} past due amount on the account. There was no XX/XX/2020 billing statement, since the account was paid in full and closed on XX/XX/2020. Toyota Financial Services did not attempt to inform me ( through phone, their phone system, their online portal, their paper billing statements or written correspondence ) that the account was past due at any point between XX/XX/XXXX, XXXX XX/XX/2020.
I have called Toyota Financial Services monthly since XX/XX/2020 to try and get this matter resolved. After each ( recorded ) phone call the representative told me that there was a clear mistake on the account, and the delinquency would be removed from my credit report. The representatives have sited known system errors during the XXXX XXXX XX/XX/2020 time frame ; and an incorrect application of a warranty refund to the account as the reason for the mistake. However, despite these phone calls with the representatives, Toyota Financial Services refuses to remove the delinquency from my credit report. They have not provided a reason for their refusal, except for one-page letters stating that, " The information reflected in our records is correct and we are reporting your account to the credit reporting agencies in a manner that is consistent with our records. '' Clearly, this is not the case as their billing statements, online portal, and phone system are not showing any delinquencies on the account. Therefore, their records are not internally consistent, and at least one of the records must be incorrect.
I sent the company a letter ( via certified mail ) on XX/XX/2020. In this letter, I clearly explained the grievance and asking for a more through explanation of the delinquency. They responded in a one page form letter on XX/XX/2020 which said that, " The information in our records is correct, and we are reporting your account to the credit reporting agencies in a manner that is consistent with our records. '' At this point I have spent over 5 hours trying to resolve this directly with the company. I no longer believe that the company is operating in good faith, and I am seeking recourse through their regulatory agency.
I have attached copies of my statements from the company, and the letter sent on XX/XX/2020 for your review.
|
| 11/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
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|
At the end of XX/XX/XXXX I totaled my XXXX XXXX. I returned to XXXX XXXX XXXX, the dealership I had purchased my car from, to buy a new car. I had purchased GAP insurance for the XXXX XXXX at XXXX XXXX when I had financed the car. I have XXXX XXXX XXXX and they covered {$15000.00} of the balance of my car. There was a {$3000.00} balance which would be covered by my GAP insurance. I leased a new vehicle and when I went to make my first months payment in XXXX realized there was still an account open for the XXXX XXXX. This account had me XXXX payments behind with a balance remaining on this car that had been paid off by my insurance and GAP insurance. At this point I began to contact the dealership to try to understand why my car had not been paid off and I have been given the runaround ever since. I have been told multiple times that it is Toyota Financial I need to communicate with as they are the actual company who would take care of this matter. Every time I call Toyota financial I am left on hold for more than 45 minutes I am given an operator who does not know how to remedy my situation I am told to call a different phone number and when I call that phone number I receive the same runaround. I have put in request to have supervisors call me back Ive never received a call back from anybody. In the meantime while trying to get to the bottom of why theres {$1000.00} balance left over on a car that should be paid off I was applying for an apartment and was notified theres a negative credit report from Toyota financial saying I owe them {$1000.00} so now I realized that they did not remedy the situation they have never contacted me and instead sent the balance that they should have covered XXXX collections in my name, which is now negatively affecting my credit. When I speak to the finance department in XXXX XXXX XXXX Ive been made aware that the discrepancy all happened from someone in their loans department entering in the amount of money my insurance paid off on the total amount due on my car incorrectly therefore gap insurance paid an incorrect amount because it looked as though there was only {$2000.00} balance when it was actually {$3000.00}. Three weeks after them realizing what their mistake was there has been no resolution I have still not received a single phone call and my credit is still being negatively affected. I have asked multiple times to speak to a supervisor or someone who can actually remedy the situation for me not only to close my account but also to remove the negative report to the credit agency and fix my credit. I dont believe as a consumer that I should have spent the months of XXXX, XXXX and XXXX trying to get Toyota financial to fix their own mistake. And as a consumer I absolutely should never have received a negative credit report on something that they did incorrectly. I have yet to receive any type of solution to the situation and in the meantime my credit is being affected negatively.
|
| 04/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
Older American |
|
I do not speak XXXX, a student advocate from the XXXX XXXX XXXX XXXX XXXX helped me write the following : On XX/XX/2019, I visited XXXX XXXX dealership, and purchased a used XXXX XXXX XXXX ( VIN : XXXX ). Since I do not speak XXXX, all negotiations took place in XXXX. A XXXX XXXX dealer gave me a preliminary estimate of the costs to purchase the car which amounted to {$14000.00} plus taxes. I found this acceptable, so I decided to carry out the purchase. The XXXX XXXX agent requested that I make a down payment of {$5000.00} to continue with the purchase. I informed him that I did not have the money, but he insisted I made the payment before proceed with the purchase. I told him I could give him a check and would deposit the sum within two days. The agent accepted. Before signing, I did not get to see the full contract. The agent only showed me the payment schedule. Moreover, the agent did not explain any of the provisions of the contract, which is drafted in XXXX, even though I only speak XXXX. But the agent made several assurances that the contract reflected the terms of our negotiations in XXXX. However, when I went home that night, I noticed that the estimate that the agent gave me was way under the purchasing cost for the car. I panicked because the amount was many times higher than what I expected or could afford to pay. Moreover, I noticed that the contract stipulated several additional costs for services that I had not consented. For example, I never agreed to pay additional money for a theft deterrent device, paint, or to purchase a service contract.
The very next day, XX/XX/2019, I returned to your dealership to rescind the contract. But the agent dismissed my request and told me that since I had signed the contract, I could not cancel it. He informed me that only option would be to refinance after a couple of months. I went back several times to try to rescind the contract, but my requests were denied. Not knowing what else to do, I cancelled the check for the {$5000.00} down payment. I did not even want to pick up the car, but I was informed that if I did not take the car, you would begin to charge me $ XXXX/day in storage fees. Because I was so afraid and because I felt I had no other option, I drove away with the car.
On XX/XX/2019, one of the XXXX XXXX managers, XXXX XXXX, called me to try to negotiate with me. She promised to remove all the additional service charges that I had not agreed to, which amounted to {$6500.00}. She promised to draw up a new contract that would reflect these changes but I refused to sign this contract unless I could have someone else verify it. I asked for a copy but she refused to give me a copy or to allow me to take a picture. I informed her I wanted attorneys to review the document before I signed, and she informed me that this would only take place if the person came with me and threaten that I only had two days to accept her offer. I refused under these conditions.
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX of XXXX, at approximately XXXXXXXX XXXX, a car did a U-turn and wrecked into my XXXX XXXX XXXX XXXX as I was driving to work. I called XXXX and reported the accident. A police officer came to the scene and gave the other party a ticket. I reported this incident to my insurance provider, XXXX. The other driver was determined to be at fault for the accident. I took my XXXX to get inspected and it was determined that it was a total loss and unsafe to drive. I received a payoff amount from my insurance totaling the amount of {$10000.00}, what was determined to be the amount that my car was worth. My payoff amount on my financed XXXX to Toyota Financial Services was {$11000.00}. After the {$10000.00} was applied to my loan, I still owed {$710.00} on the loan, according to an email I received from my insurance provider. I continued to pay off the rest of the loan on time every month, with monthly payments of approximately {$220.00}. On XX/XX/XXXX, I paid the payoff amount of {$71.00}, as was stated on my Toyota Financial Services account. I also called them the same day to ask how to pay the payoff amount. On my credit report, my last payment is said to have been made on XX/XX/XXXX. This is inaccurate, as I did not have anymore payments after my payoff amount of {$71.00} was paid on the scheduled payment date of XX/XX/XXXX. XXXX XXXX XXXX, the creditor, is stating that my account is in a derogatory status because I made my payment after it went into collections. I paid the last payment on time before the account was closed and went into collections on XX/XX/XXXX, as shown in my bank statements and through emails that I received from Toyota Financial Services. I have sent numerous credit disputes to each of the major credit bureaus known as XXXX, XXXX, and XXXX, and none of the information has been corrected. I also sent a dispute letter to Toyota Motor Credit CorpXXXX on XX/XX/XXXX of XXXX and never received a reply from them regarding my account and credit, however, they did change the remarks on the accounts to " Customer disagrees ''. I have also called Toyota Financial services multiple times, and asked for a detailed report to be sent to my address because their website never displayed the payments with dates provided on my account. I never got the report with my account information on it sent to my address.
Each report from the major credit bureaus says something different. I have written what they say below regarding my account associated with the creditor : My last payment was made on XX/XX/XXXX and was posted on XX/XX/XXXX. My XXXX credit report remarks state : Payment after charge off/collections. It also states that my last payment was made on XX/XX/XXXX.
My XXXX report states that my account associated with Toyota Motor Credit Corp is Paid and Closed. This report is stating that my last payment was made on XX/XX/XXXX.
My XXXX report states that my account has been ; Paid, was a charge-off.
|
| 08/06/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Older American, Servicemember |
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Summary : Toyota Financial Services has despite my repeated communications failed to close my XXXX lease agreement and is requiring additional lease payments despite a dealer 's early lease buyout of my XXXX leased vehicle as a trade-in for a new XXXX vehicle.
XX/XX/XXXX : Vehicle purchase by XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX FL ) of XXXX XXXX XXXX, with trade-in of XXXX XXXX XXXX ( including trade-in allowance of {$35000.00} covering lease balance/dealer net of $ XXXX XX/XX/XXXX confirmation by XXXX XXXX XXXX ( XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) with Toyota Financial Services of dealer net amount XXXX XXXX XXXX contract, XXXX purchase agreement and title transfer documents attached ).
XX/XX/XXXX Communication with Toyota Financial Services ( TFS ) Customer Support Center : requesting confirmation of no lease payment due, and providing TFS with documents-including purchase agreement and title transfer-to document XXXX XXXX XXXX dealer buyout of XXXX leased vehicle ) ( copies of Support Center messages attached ).
XX/XX/XXXX Emails from XXXX XXXX XXXX to XXXX XXXX ( Business Manager, XXXX ) and XXXX XXXX ( Sales and Leasing, XXXX ; XXXX ) : indicating that Toyota Financial Services does not show dealer lease buyout and requesting dealer assistance ( see attached : Fwd : Your Recent Purchase Experience ) XX/XX/XXXX Communication with Toyota Financial Services Customer Support Center : indicating that XXXX XXXX XXXX has still not paid off XXXX vehicle lease, and requesting refund for customers overpayment ( copies of Support Center messages attached ).
XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX Business Manager, XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX The payoff check was mailed to Toyota Financial Services on XX/XX/XXXX. The check # is XXXX let me know once the payoff has posted. XXXX XXXX Business Manager XXXX XXXX XXXX ( XXXX ) XXXX ( copy of text message attached ) XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX to XXXX XXXX XXXX Business Manager, XXXX XXXX XXXX XXXX XXXX ) : Thank you XXXX XXXX XXXX copy of text message attached ) XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX Business Manager, XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX You are very welcome! Please feel free to reach out to me if there is anything I can do! ( copy of text message attached ) XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX to XXXX XXXX XXXX Business Manager, XXXX XXXX XXXX XXXX ( XXXX ) : Hello XXXX XXXX XXXX I checked today with Toyota Financial Services and they still show no payoff and now have me responsible for an additional XXXX lease payment. I am now even more concerned that something has gone wrong and that I will be held responsible to TFS for my trade in vehicle. Can anyone at XXXX contact TFS directly to straighten things out? TFS is not taking my word that XXXX purchased my trade in and paid off the lease. Thank you. ( copy of text message attached )
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| 12/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Hello, In XX/XX/XXXX I purchased a XX/XX/XXXX XXXX XXXX from a dealership in XXXX XXXX, KS. I drove off the from lot, quite happy with my car and confident in my choice to refuse the extra service agreement fees, sticking to my budget.
My first payment was to come due in XX/XX/XXXX. I went to register my car but was unable to do so because the windshield had a " stress crack '' as determined by my auto insurance, as well as the dealership. Before I bought the car ; there had been a hail storm in the area and the car had been damaged ; the dealership assured me all repairs had been made. They put in an order for a new windshield. Mind ; I now had no access to my car -- with only intermediate access to dealer provided rentals, disallowing me to make the drive to my planned summer employment in XXXX XXXX.
I then began to contact Toyota about the matter to see what could be done, if there were some way to lower or forestall my payments, as I was losing money due the delays in the shipping of their windwshield. The rep informed me that they had a vehicle service agreement on file for me -- what I had expressly said I did not want. Because none of it had been paid out, she told me I could have refunded and have the balance of roughly {$2100.00} applied to my account. I affirmed this is what I wanted to do. She told me I would likely began getting collections calls while the check was processed but to alert Toyota to the pending check and prepare to start making my payments in XX/XX/XXXX.
This is what I did. The check was sent out in XX/XX/XXXX. It did n't process til sometime in XX/XX/XXXX and it paid my Toyota balance up until XX/XX/XXXX. In XX/XX/XXXX, I stopped receiving collection calls, after attempting to make different payment arrangements, because for some reason, the check still had n't been received. In late XX/XX/XXXX I received a note from XXXX that there was a collections amount for about XXXX on my account from Toyota ; it also showed the monthly amount had been paid since XX/XX/XXXX, implying that the check had been received and applied as noted. I disputed this credit issue and XXXX affirmed that Toyota had sent them proof of collections, despite the record showing payment.
Saturday, XX/XX/XXXX, I went onto Toyota 's website to pay my monthly payment. I was unable to do so because the option was not available. The screen also would not allow me to send a secure message to contact Toyota about this matter. I decided to call Monday or Tuesday. After speaking to several people in online billing, collections and repossessions I was told they could not explain to me what was going on and that only the collections agency they referred my account to could help.
I have just received a letter from this agency XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX # XXXX offering me a settlement on my car if I call them. They have the remaining balance at XXXX, XXXX, the amount minus the refund payment.
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| 10/11/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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1. I, XXXX XXXX XXXX XXXX hereby submits my complaint to the Consumer Financial Protection Bureau against Toyota Financial Services for the following reasons : 2. I have been unemployed for nearly one year, and during that time I exhausted my savings to main my payments on my vehicle secured with Toyota Financial Services.
3. I am a professional person who has throughout my career made a respectable living, and believe that Toyota Financial Services should approve a payment plan for my vehicle.
4. My interest rate on my vehicle is 16 %, an extraordinary rate that borders on being usurious.
5. A recent communicate from my wife XXXX with a representative of Toyota Financial Services went to the point that it was explained that I was now gainfully employed, and that I could within the next two weeks make a payment of {$3000.00} on my vehicle loan, bringing the unpaid balance down to {$3300.00}. She was told that the vehicle needs to be repossessed instead.
6. A repossession would mean that upon resale, a collection could be placed my personal credit rating, and that a deficiency judgment could be procured against me personally, giving me no choice but to file for personal bankruptcy.
7. I do not accept a volunteer surrender and a repossession would place me without transportation to and from my employment, causing a serious financial set back.
8. Toyota Financial Services must accept my {$3000.00} payment on or before XXXX XXXX, 2017, and I will agree to additional monthly payments of {$3000.00} until the vehicle loan is brought up to date, if not exceeding to the point of over-payment on said account.
9. The hard stance by the representative of Toyota Financial Services is uncalled for, and the interest rate must be brought to within a reasonable limit of 7.5 %.
10. My payments will be made by cashiers check payable to Toyota Financial Services, and all payments will be made by cashiers check until its brought current and/or showing over-payment on the account.
11. Toyota Financial Services most likely securitized my vehicle loan into a pool of funds known as a securitized trust, and accordingly, I request a full accounting as to the actual ownership of the debt in question.
12. I request an investigation into the hard money lending practices utilized by Toyota Financial Services, as they have use excessive interest rates in the procurement of my vehicle loan.
13. Toyota Financial Services is part of Toyota Financial XXXX XXXX, governed by the Federal Deposit Insurance Corporation FDIC Certificate No. XXXX.
14. The FDIC must investigate the border line usurious rates Toyota Financial Services procures on American consumers.
15. I will make the payments as scheduled, and I demand proof of debt ownership without a qualified written request within the guidelines of the Fair Debt Collection Practices Act. A federal act and legislation that Toyota Financial Services is in serious violation of.
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| 01/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/XXXX, I went into toyota to buy-off my lease. Prior to going into the establishment, I spoke with XXXX Toyota staff, XXXX, who stated if I was buying out the car they would not have to run my credit. Upon arriving to the establishment, XXXX stated XXXX was not in and he would be the one taking care of me. I made it clear that I did not want my credit ran, in which XXXX stated that it was policy and that he had to run credit, they do for everyone. I was not told I can bring in cash, I was told there was not other option, and so he proceed to run my credit. The next day I called XXXX TOYOTA, spoke to a sales associate, asked if I was going to pay cash to buy out my lease is there a need to run credit to which sales associate responded there would be no need. I was advised that I can VOID check, bring in cash and have inquiry reversed. I did exactly that, went in with cash payment, and they gave me check back and made it a cash buy out. There was never a need to run credit or do financing, and not what I wished to do.
On XX/XX/XXXX, I went into XXXX Toyota and paid for it in CASH. I have receipt that the car was paid for in CASH.
On XX/XX/XXXX, I called XXXX Toyota was advised I need to file a dispute with XXXX and they would reverse it. On XX/XX/XXXX, I called XXXX to file the dispute and was told XXXX TOYOTA needs to initiate it, I returned call to XXXX TOYOTA, to manager of XXXX or was told it was manager of XXXX who stated they can do it, however, XXXX is responsible to complete that task and he is not in until Monday, this is when he would do it. On XX/XX/XXXX, I called to follow up with XXXX, XXXX stated this is not something he could do, and when I asked for a manager XXXX XXXX stated, " I am the XXXX, '' when I requested he transfer me to someone above him, " There is no one above me, '' when I continued to request someone above him he stated, " No one above him is in, '' and proceed to say goodby and hang up. I returned call to XXXX TOYOTA, spoke to the receptionist who stated XXXX XXXX was his manager, and transferred call over to him. XXXX XXXX answered the phone, and was in fact in the office, stating that he would call XXXX Toyota on Tuesday, XX/XX/XXXX, to put in the dispute request ( per consumer request, because that is the only way they can file it per XXXX XXXX ) and that by his experience it does not reverse. I stated that I wanted him to proceed with putting in the dispute request and I would follow up on XX/XX/XXXX. I then contacted the general manager, XXXX XXXX, to update him about the current situation and that I would be following up on XX/XX/XXXX.
On XX/XX/XXXX, I went in to XXXX TOYOTA, spoke with financial consultant, provided CASH, and had check returned/voided. They have video and audio recording of this occuring.
I paid cash for buy out of the car, there was no need for a loan or financing, or credit check, and the hard inquiry needs to be reversed.
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| 03/18/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
Servicemember |
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I returned my XXXX XXXX XXXX on XXXX XXXX, XXXX, to XXXX XXXX XXXX in XXXX XXXX, VA, upon the maturity of a lease. However, I received a bill in the amount of {$970.00} on XXXX XXXX, XXXX. The bill included a $ XXXX lease payment, {$350.00} disposition fee, despite the fact that I received a confirmation over the phone on XXXX XXXX, XXXX, that these charges will be waived after my spouse 's lease of a new XXXX. He did end up leasing the vehicle to save on charges.
The most disappointing fact was that the bill included {$410.00} charge for a windshield chip. I do not recall the chip. When I was dropping of the vehicle, the dealer conducted the inspection and never mentioned the damage. I was told during the phone call that the third party inspection conducted on XXXX XXXX, XXXX, revealed the damage. My suspicion is that something happened to a windshield between drop off date on XXXX XXXX XXXX and XXXX XXXX XXXX.
I tried to explain my situation to Toyota Financial Services, but no one could help. I do believe that there is a flaw in the Toyota 's system of lease returns. Consumers have to be informed by Toyota about the third party pre-inspection option. This has to be a required step during a lease return, so as a consumer, I witness the revealing of a damage. Otherwise, I am feeling that I am being billed for a damage that has been caused by someone else. Moreover, if I would have known about the damage, I could have fixed the windshield myself through my insurance for much more cheaper price. I believe that I had a coverage for windshield repair. It would cost me {$0.00}. Now, I am in the limbo of Toyota 's policies with an obligation to pay {$410.00} for something that I have not done.
In addition, I had to call Toyota Financial Services 3-4 times to waive the charges for disposition and XXXX lease payment. I had to spend 1-2 hours each time to explain the situation and promises Toyota Financial Services have given me. Luckily, XXXX XXXX XXXX ID # XXXX had a time to discuss my situation and listen to me. We were able to agree on waiving $ XXXX XXXX lease payment, and {$350.00} disposition fee because they promised to do so if my spouse leases new vehicle.
Despite spending hours over the phone with customer service representatives at Toyota Financial Services, no one was able to remove {$410.00} charge for a chip on a windshield. I was planning to write to Toyota 's corporate office, but came across the CFPB. I do hope that this complaint will require some policy changes at Toyota Motor Sales Matured Lease Services.
As I mentioned before, I do hope that the pre-inspection will become mandatory prior to lease returns unless consumer waives it in written form and states that they wo n't disagree with post lease return charges on damages. I also hope that Toyota will be able to reimburse charges to consumers who truly believe/d that they were billed wrongfully.
Thank you,
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| 08/29/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I leased a brand new vehicle and in XXXX 2016, the vehicle was in a collision deemed a total loss by an adjustor - other party at fault. The at fault party 's Insurance company XXXX XXXX XXXX XXXX indicated they would pay balance in full and complete settlement with Toyota Financial Services. Federated Insurance company paid balance except for {$660.00}. Toyota Financial Services indicated that they were working the settlement out with the insurance company. I never heard back from Toyota regarding the issue and when I called Toyota Financial Services customer service line and input my account information, the prompt indicated " This account is closed '' and that there was no balance. Toyota Financial Services called me on Thursday, XXXX XXXX, 2016 ( 3 months after my last contact with them ) at XXXX XXXX and left a voicemail asking me to return their call and that it was urgent. I called back on XXXX XXXX, 2016 at XXXX XXXX and spoke to a customer service representative who said : " I do n't know why that person called, your account is closed and you do n't owe anything so you can disregard that voicemail. '' I then received a letter stating that I owed the remaining balance on the vehicle. Before receiving this letter, I was never notified that there was an outstanding balance nor was I notified that I had to provide any additional information to Toyota Financial. I called Toyota Financial Services on XXXX/XXXX/2016 at XXXX XXXX and talked to a Total Loss Representative who told me that if I could not provide a copy of an " Evaluation Settlement Breakdown '' and Police Report to Toyota Financial Services by XXXX XXXX, 2016, my account would be charged off to collections. This was the FIRST notification I received from Toyota Financial Services from XXXX to XXXX, and the first notification ever that I needed to provide additional information to Toyota Financial Services, on top of the fact that XXXX of their customer service representatives told me " your account is closed and you do n't owe anything. '' Furthermore, the insurance company representative XXXX XXXX indicated that she told Toyota Financial Services during the settlement that they do not give out copies of Evaluation Settlement Breakdowns, but I was never notified by Toyota Financial Services that there was additional information I needed to provide to them. I feel the treatment from Toyota Financial Services is very unfair, especially the fact that they waited until XXXX XXXX and one week before the charge was passed to collections XXXX to notify me that if I did not provide information that the insurance company was supposed to provide. I also feel deceived because a customer service representative who works with Toyota Financial XXXX 's customer support XXXX earlier indicated that my account was closed and that I did not owe anything, only then to have Toyota Financial Services come back and say I owe {$660.00}.
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| 12/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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XXXX XXXX, 2015 Dear Federal Trade Commission, This is the problem that I am having. On XXXX XXXX, 2015, I had a wreck in my 2015 Toyota Corolla. Two weeks later forms were needed to complete the process for payment from XXXX. I had to go get an incident report, the breakdown on how XXXX insurance came up with that amount and the amount that was paid from my insurance. Okay this how it all got started. I went to Tennessee where the accident occurred and got the police report because I had all the other documents already to go. I put the documents in the mail the same day. I mailed the information XXXX. When I mailed it off I made sure that the company gets it in a couple of days. Okay I thought the process had begun until I check my credit report and I showed thirty day delinquent. So I called XXXX and asked them why have n't XXXX Toyota received the remaining balance yet from the 2015 XXXX XXXX. They stated that all the information has not been received to get the ball rolling. So I asked what other information that you are talking about. XXXX stated we are still waiting on the police report. I told them I sent it out already. We went back and forth with the same conversation. I told them I paid XXXX dollars for that incident report. I am glad I made a copy of the XXXX I had. So I sent another report out to them. I kept checking every week to see had the process begin. Still no word on when they will pay the remaining balance. So I asked do I need to pay my regular car payment so it will not go on my credit. The worker stated your case is being processed just waiting on the incident report. By that time another thirty days was approaching on my credit report. I just sit there with tears in my eyes because I knew it was nothing I could do because one thirty days had already smashed my good standing credit. I have worked so hard trying to do the right thing with my credit just for this company to give me the run around on finishing paying for the car. When you add extra coverage on your vehicle to make sure it is paid in full just in case something happen, it really happens. XXXX did n't waste any time receiving their portion of the payment every month. But when push comes to shove, they let you down. This is really upsetting to me because I pay my bills and for this to happen it is heartbreaking after I worked so hard to keep my credit in good standing. I have always paid my bills on time and XXXX acts as if credit does n't matters to them. I did have no problem paying them every month. So when I became in need, they washed me under the table. This is my first time dealing with XXXX. They did n't explain to me how the process works if an accident occur. I would n't have let this gotten to the point where it affect my good standing credit.
I really hope that you carefully look into the matter and contact me with the results.
Thanks and have a Happy Holidays.
XXXX XXXX XXXX
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| 12/30/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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Please be advised that attempts to return the vehicle to XXXX XXXX, where it was original leased from, were made on XXXX XXXX, XXXX ( the due date ), and again on XXXX XXXX, XXXX, and each time Toyota refused to accept delivery of the vehicle. On XXXX XXXX, XXXX, we went to Toyota to return the vehicle, as per the Toyota employee 's instructions. XXXX XXXX refused delivery and told us that the leasee must be present at the time of delivery to sign certain documents for the dealership to accept delivery of the vehicle. We told him that Toyota representative was advised leasee was out of the country ( days before the due date ) and she confirmed that the leasee did not need to be present when the vehicle was being returned because the leasee was not interested in purchasing the vehicle. XXXX response was ( she ) does not have the authority to make such decisions therefore it was irrelevant and we were told Toyota could not accept delivery at that time. On XXXX XXXX, XXXX, we contacted Toyota to advise that there was an executed a Power of Attorney authorizing her agent to sign the forms and return the vehicle on her behalf. On XXXX XXXX, XXXX, I went to Toyota with the original Power of Attorney to deliver the vehicle, as per XXXX instructions. I spoke with XXXX and advised that I had Power of Attorney and was legally authorized to sign whatever forms to return the vehicle. XXXX refused to look at the Power of Attorney, and further stated that Toyota was not legally obligated to take back the vehicle at their dealership and his boss was the person who would decides if they will take the vehicle back. I asked what the alternative was, XXXX refused to provide any assistance. Furthermore, XXXX stated that because I had an attitude he wasnt obligated to help me. I asked him for the telephone number of the dealerships legal department so that I can fax a copy of the Power of Attorney for their review and approval and he refused, reiterating that his boss was the person who needed to make the decision. I advised that I would like to have my attorney contact his boss to confirm my legal authority to act on behalf of my mother, he said that I was threatening him with lawyers and didnt like my attitude and proceeded asked me to leave the premises. Upon being asked to leave the premises I contacted the bank, XXXX, to ask for assistance returning the vehicle. XXXX in the XXXX XXXX Department advised that although the lease agreement between Toyota and the Leasee may not specify the exact place that the vehicle is to be returned at the end of the lease, the agreement between Toyota and XXXX does state that Toyota is contractually obligated to accept delivery of the vehicle at the end of the lease term. To date, I still have possession of the car, it is overdue, and the bank has had to intervene on my behalf to get them to fulfill their contractual obligation to myself and the bank, XXXX.
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| 03/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Dear FTC, I am writing to file a complaint against Toyota Financial Services regarding their unethical business practices. I purchased a car and financed it through XXXX XXXX toyota and with their toyota financial department in that store on Date : XXXX with toyota financial ACCOUNT : XXXX. However, what seemed like a simple loan turned into a nightmare of deceit and fraud.
Initially, I thought I was taking out a standard loan with Toyota Financial Services, but it became clear that they were more interested in making money off me through various interest fees. To make matters worse, the contract we signed was breached multiple times and they continually changed the terms of our agreement. I was pressured into returning to their loan office, where I was tricked into signing a new contract with terms that were not favorable to me.
Despite my repeated attempts to resolve the situation, Toyota Financial Services continued to exploit my trust and deceive me. They added various extra fees to my account, and even after I had paid these fees in full, they still reported late payments and delinquencies to my credit report, which caused serious damage to my credit score.
Their actions were not only unethical, but also illegal. I demand that Toyota Financial Services take full responsibility for their actions and compensate me for the harm they have caused to my credit and my financial well-being.
I am writing to file a complaint against Toyota Financial Services for their unethical and illegal practices in reporting false information to credit bureaus. As a customer of Toyota Financial Services, I experienced late payments in XXXX California from XXXX, which caused late fees, but all fees were paid.
However, I later discovered that Toyota Financial Services reported three late payments and two delinquencies to my credit report, even after I paid all the late fees. These false reports have caused severe damage to my credit history, resulting in denial or high interest rates for apartment rentals, car purchases, and business loans. These records will remain on my credit report for seven years.
I have tried to resolve this matter with Toyota Financial Services, but their customer service representatives have been unhelpful and unresponsive. I have even hired credit repair attorneys, but to no avail.
Furthermore, I have reason to believe that my finance paperwork was tampered with by a XXXX male at XXXX XXXX Toyota after the paperwork was completed by a XXXX finance manager named XXXX. This action is illegal and adds to my frustration and mistrust of Toyota Financial Services.
I request that the FTC investigate this matter and take action against Toyota Financial Services for their unlawful practices. I believe that their actions have harmed not only me, but potentially many other customers as well. Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 04/06/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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In XXXX XXXX, I leased a brand new XXXX XXXX XXXX for 24 months from XXXX XXXX XXXX in XXXX, RI. My payments were automatically debited from my account each month on the XXXX. I never missed a payment. In XXXX XXXX, I bought a XXXX XXXX. XXXX XXXX in XXXX, RI figured my mileage overage and the rest of my lease payments and rolled it into my loan. I received the check somewhere in XX/XX/XXXX/XX/XX/XXXX XXXX to payoff Toyota Financial Services for the rest of the lease. I turned in my lease to XXXX in XXXX XXXX a few days after I purchased my XXXX. XXXX kept taking out the lease payment and the gap insurance each month, roughly {$330.00} total. They stopped the payment in XXXX. They had tried calling but I did not want to pay out the remainder of the lease until I received a bill. I never received XXXX. I am buying a house. My credit as of XXXX XXXX, XXXX was XXXX. My loan was approved for 5 % down between 4-5 %. I have been working with a broker to get my score higher. My credit showed a balance from Toyota for {$280.00} ( on-time payment ) as shown in the report attachment dated XXXX/XXXX/XXXX as the last line item. You will also see my loan from XXXX. My broker instructed me to just call and pay Toyota to clean up my report. I called to pay the {$280.00} and the representative asked what made me think I only owed {$280.00}. I said because it was on my credit report, even as an on time paid account. They told me no, that the balance was now {$5000.00} ( the date I called was XXXX XXXX ). They said they sent the letter out XXXX. I received the letter in the mail on XXXX XXXX. As of XXXX XXXX ( the day I called mind you ) according to XXXX ( see attached screen shot ) my credit dropped from XXXX on XXXX XXXX to XXXX as of XXXX XXXX. Toyota reported the {$5000.00} charge as a charge-off. Now, this is showing as a late payment the first time in over 80 months of my credit history and is coming between home ownership and myself. With my credit rating dropped, I am unable to afford the high percent rate of the loan and 10 % ( from 5 % ) down payment on my new home, scheduled for closing XXXX/XXXX/XXXX. I am supposed to close XXXX XXXX and all was set until Toyota messed up my credit rating just days ago from a lease that I turned in early, approximately XXXX XXXX from the end of lease date of XXXX/XXXX/XXXX. I want this taken off my credit report so I resume buying my house with the terms that were set in place with my mortgage approval. I have spoken to more than XXXX representatives in the past 3 business days and all I get is we are researching it and if Toyota made a mistake, they would credit the account and then take it off the report ... but no one is working on it or calling me back. I demanded they take it off my credit and received no resolution. I am on a tight timeline with my Purchase and Sales agreement and no one at Toyota is responding. Please see attached docs.
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| 02/10/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I leased a vehicle with Toyota Financial Services, and everything was going well until recently. I received a notification that my credit score was dinged prompting me to reach out to the service provider today. Upon my discussion with her, I read that my credit monitoring accounts showed that I had not made a payment for the month of XXXX, which was wildly inaccurate. My account had been set to an automatic payment plan to have some peace of mind, or one would hope.
The vehicle is a XXXX XXXX XXXX purchased in Nebraska while I was XXXX at XXXX XXXX. In XXXX of 2021, I received approval to complete my service at XXXX XXXX in Utah. I notified Toyota and the whole process went a little too smooth, as that was when all the issues began. The kind representative assured me that all was taken care of, and to enjoy my time in the new location. Again, automatic payments were supposed to continue on to provide peace of mind, as there is much more to worry important things to worry about such as COVID running rampant, and the military lifestyle.
Some time passed and I began receiving a ton of phone calls from a random number in California. With my line of work, I can not have a cell phone on me so I generally rely on people being kind enough to at least leave a voicemail when something important is ongoing. I finally was able to catch the number when I was available, and found that it was Toyota Financial calling because a small amount of money was owed. The amount was the tax difference between the two states that the first representative disclosed during the update upon transfer in XXXX. Money has never been an issue, so I agreed to pay it immediately and asked if the issue could be addressed to avoid further issues going forward. Once again, I was given reassurance that all would be taken care of for that peace of mind provided by automatic payments.
Fast forward a few more months, and here we are again. Toyota Financial was blowing up my phone claiming that I missed payments because the amount being paid was incorrect. So, both representatives that I discussed the issue with prior did not take care of the issue, and this third individual I spoke with informed me that I had to do it myself. With every payment I have in a month, the amounts always vary and the amount is deducted regardless of said amount Again, I can not stress enough the peace of mind that comes with not having to worry about actually miss any payments.
I fixed the issue, and Toyota reported that I missed XXXX 's payment by 30 days. It is ridiculous, as a steady payment has been deducted happily by the organization. How is it that Toyota Financial is the only company incapable of adjusting the amount being processed to avoid this issue going forward? Either way, I was confident that the manufacturer I loved would take care of me, but instead they take my money and kick me down without any remorse.
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| 08/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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I submitted a payment of {$380.00} on XX/XX/XXXX using my XXXX XXXX account with a customer service rep over the phone ( attached ). The rep verified that the transaction was successful and even provided me with a verification number. TFS sent me an email on XX/XX/XXXX confirming the payment was received ( attached ).
However, on XX/XX/XXXX, about two weeks later, I received an email advising me that there was an issue with my TFS account. Upon making the phone call I discovered the payment I made on XX/XX/XXXX, with a rep on the phone, who confirmed it was received, was actually returned days later. It was interesting to me because I have about XXXX in the account that I used so there's no reason that it should have been returned. I've attached my entire barclays account details showing there was sufficient funds in the account at the time of the transaction. I even spoke with a rep on XX/XX/XXXX who said they can not find a reason as to why the payment returned. The rep I spoke to on XX/XX/XXXX when I made the payment was able to determine that the account came from XXXX XXXX account without me telling him, so it could not be account info I provided.
I'm disgusted at this company 's XXXX of ability to inform me that the payment was not received right away. And then incompetent 2 reps had the audacity to tell me that today that a payment processing center such as TFS is unable advise customers if a payment was returned ... yet you all are a PYAMENT PROCESSING CENTER. It's absolutely ridiculous and financially abusive. Additionally, it's a complete lie made up by reps that lack enough empathy to thoroughly do their job correctly. I've attached an email from TFS from XX/XX/XXXX where they were able to advise me via email that my payment was returned, so there SHOULD BE NO EXCUSE as to why they were unable to tell me or any customer that a payment- especially one that was verbally confirmed to be received on a recorded line- was actually returned to my bank days later.
Additionally, a rep confirmed that I my payment was reported to the credit bureaus as delinquent. I'm disputing this matter based on the fact that TFS deliberately made it a point to not advise me that my payment was returned, especially when they seemed to have enough sense to do so in the past. I'm facing financial hardship from being affected from covid and to make it worse, TFS 's automated system is currently warning customers that there's an issue with TFS payment processing. If you all are aware that there is a systemic issue, aware that I submitted a payment that was returned and forgot to advise me so I can make a another payment right away and avoid being negatively reported to the credit bureaus, then there should be no reason why this payment was reported as delinquent to the credit agencies. Please correct the credit reporting of my payment and adjust my payment receipt date ASAP.
|
| 12/02/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
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Web |
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Pursuant to 15 USC 1692 ( c ) ( 2 ) I am invoking my remedy, as a consumer and the original creditor.
On XX/XX/21 I went to XXXX XXXX XXXX XXXX to purchase a vehicle. I did not realize until a few days later that I was false or misleading representations by the sellers at this organization. Based off XXXX XXXX XXXX I should have been given disclosure of obligors right to rescind. That did not happen, and I feel very deceived and taking advantage of. Based off 16 CFR 433.2 ( b ), the following statement should have been on my contract bolded in ten point font. This Notice was not on my contract either, which in sense voids this contract.
NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
The following should have been on my contract bolded in ten-point font. This Notice was not on my contract either, which in sense voids this contract. One thing after another that makes me feel like a fool and fully taking advantage of.
Since then, on XX/XX/21 I submitted documents for billing error and resolution to the GM of the store XXXX XXXX, XXXX XXXX the Executive VP, XXXX XXXX Agent, and the CFO XXXX XXXX. Based off 15 USC 1666 ( b ) ( 2 ), I have request additional clarification including documentary evidence thereof to fix this billing error. I have given them the proper billing error notice based off of my rights 12 CFR 1026.13. I also gave them a notice to rescind this transaction. Based off 12 CFR 1026.23 ( d ) I have the following rights and expect XXXX to fulfil their obligation to resolve this billing error.
12 CFR 1026.23 ( d ) ( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge.
( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.
Based off 18 USC 8 states the United States of America has the obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. So, what alleged debt am I accountable for.
|
| 10/20/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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Dear CFPB agent, I'm writing to file a complaint against Lexus Financial Services for its unlawful recall of a leased car in my possession on XX/XX/XXXX.
In XX/XX/XXXX, my sister and I went to Lexus of XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) to seek for a car either to lease or finance. At the end of the day, I leased a XXXX XXXX XXXX for three years. On the lease maturation date, my sister and I went back to the dealership ready to finance and buy the car. The dealership, instead of assisting us with the purchase, asked us to independently seek out a bank to finance the car. They had zero intention to help me find a lender to finance the car. Because it was a few days before XXXX, I didn't have a choice but to call Lexus Financial Services to extend the lease for another 6 months. That was around XX/XX/XXXX when the lease was extended. On the phone, I was never told that it was the last time for a lease extension. Meanwhile, I continued to pay ( via its auto pay website ) throughout the process and never missed a payment.
In XX/XX/XXXX, because of work and traveling plan, I failed to find a lender in time to finance the car. After a few phone communications with Lexus Financial Services, I found that I was only able to do month by month lease for another 6 months, which I agreed to do as I had traveling plans right then. The agent on the phone instructed I would need to return the signed document by mail or fax upon receiving the document via mail. The agent also noted my time away from the country and collected the monthly payment on the phone.
When I returned, I sent in the required documents to Lexus Financial Services. Amid the changes, I continued to pay online without missing any payments ( document attached ) here.
On XX/XX/XXXX, Lexus Financial Services seized my car while I was at work. When I called the company, I was informed that my paperwork was sent in late. However, the agent on the phone also acknowledged that my current address was never updated. She made a note on my file regarding the incorrect address on file.
Currently, my car is sitting in a lot. I was told that the company will take 2-3 business days to general a " re-sell '' document. Without this document, I'm not able to find any lender to start the financing process. I was told that I'm also responsible for a number of fees in regards to the car in possession by a private company. If I decided not to buy the car, I would be responsible for the fees sitting in the lot, as well as other auction fees.
This company has zero intention to properly serve its customer. While it is collecting the payment, it failed to communicate any late paper work needed to amend. In addition to its lack of effort to assist its customers, many hidden fees are forced on its customers without proper communication.
I'm asking the bureau to help mediate this matter. Thank you for your assistance.
|
| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I gave back a XXXX XXXX XXXX back in XX/XX/XXXX to XXXX of XXXX XXXX. It was given back as a early lease return. Never heard anything back from the finance company, which is Toyota Motor Leasing. I saw on my credit bureau that it is showing as open and current. That I am paying as agreed. That is false. It specifically states that the last payment was made in XX/XX/XXXX. I haven't made a payment since XX/XX/XXXX when the vehicle was returned. This makes it look like I am still driving the vehicle and making current payments. When I contacted Toyota Motor to have them fix the information being reported, they stated that the account is no longer their 's. They sold it to a collection company by the name of XXXX XXXX XXXX XXXX. Never heard of these people. Toyota said that in their records this account is closed and that they can not speak to me at all about it. I have to contact XXXX XXXX I stated to them that if they sold the account to a collection company then how can they still report it as being open and lie saying that I am currently making payments. They stated that would contact the credit bureus to reflect the account as being closed, not open. I asked then to send me the proof. A cancelled check. A debit card payment. Any proof to show that I have been making payments. They never did because it is not true. I have did numerous disputes through all XXXX bureaus to fix this problem. The credit bureaus didn't understand neither why it's showing as open and Pays as Agreed '' when it specifically states last payment made was XX/XX/XXXX. Even that is wrong because the vehicle was given back in XX/XX/XXXX. I need someone to help me. It seems like nobody wants to help the consumer. The creditors are always right even when they are wrong. The credit bureaus don't request any proof when sending disputes. They just send the dispute. Even if the creditor responds back as accurate, they don't ask for proof. So it's like the creditors are correct at all means. This is why there is so much fraud going on. This is why I had a fraud alert put on my bureaus because someone used my information and the credit bureaus did nothing about it. Till this day Toyota has not sent the proof that I am currently making payments. They last reported on XX/XX/XXXX that I made a payment on XX/XX/XXXX. I would like if someone can help me. I have sent over 4 disputes through all 3 credit bureaus. Toyota keeps denying and reporting that I am still making payment. But will not send me proof nor send proof to the credit bureaus. This false information is hindering my life. How can Toyota and XXXX XXXX try to get money from me for the same account. If Toyota sold the account to the collections company then it should be showing as closed on the bureaus, not open. Because it's not open. It should not be showing current payments being made because the last payment was in XX/XX/XXXX.
|
| 12/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
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Web |
|
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I excised my right as the consumer to extend credit on XX/XX/XXXXXXXX to Toyota Financial Services to purchase a brand new vehicle and I got denied due to my credit score. I provided in writing to the CEO, CFO, & Treasurer via email to get this situation resolved immediately but have not received a yet.
I provide them the federal laws and Truth in Lending Act violations them made in this consumer credit transaction. I let them know that I am the holder and holder in due course. I am filing this complaint as Toyota Financial services has misled me and provided misinformation. Additionally, they were initially making comments that a downpayment was going to be needed but that is a violation of 15 USC 1605 ( a ) " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. '' Additionally, 12 USC 83 states ; " ( a ) General prohibition - No national bank shall make any loan or discount on the security of the shares of its own capital stock.
( b ) Exclusion - For purposes of this section, a national bank shall not be deemed to be making a loan or discount on the security of the shares of its own capital stock if it acquires the stock to prevent loss upon a debt previously contracted for in good faith. '' They are stating that they are offering me a " loan '' but under the truth in act, all consumer credit transaction can not be a loan as the money is not coming from the lender.
In the book released by the XXXX XXXX XXXX XXXXXXXX called, XXXX XXXX XXXX originally was written by XXXX XXXX XXXX in XX/XX/XXXX. The XX/XX/XXXX revision was prepared by XXXX XXXX XXXX XXXX. Page XXXX states, " If business is active, the banks with excess reserves probably will have opportunities to loan the {$9000.00}. Of course, they do not really pay out loans from the money they receive as deposits. If they did this, no additional money would be created. What they do when they make loans is to accept promissory notes in exchange for credits to the borrowers ' transaction accounts. Loans ( assets ) and deposits ( liabilities ) both rise by {$9000.00}. Reserves are unchanged by the loan transactions. '' Meaning that these banks are stating that the will " loan '' us our own credit which we originated and extend. We the consumer are the one ones that create the money, not the bank.
In conclusion, Toyota Financial Service has denied me my own right to extend credit. They benefited from the use of my credit but provided no value back to me. Please investigate Toyota Financial for violations of consumer rights and misrepresentation.
|
| 12/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
Older American |
|
On XX/XX/XXXX I bought my dad a certified pre owned XXXX XXXX XXXX from XXXX XXXX XXXX with XXXX XXXX Miles. Right away the cars computer was telling me to check the charging system. I brought the car to the dealer on XX/XX/XXXX my next day off to have them fix the issue and they told me it was normal and sent me away. After that I inspected the battery to find the terminals where so corroded they had an inch of corrosion all around each terminal. So I brought the vehicle back on XX/XX/XXXX my next available day to have them fix the issues and they refused to fix the car because I had my emotional support animals in the vehicle. Since then I have had to jump start the vehicle every day to get to work. XXXX XX/XX/XXXX the vehicle completely stopped working and I had to tow it into the dealership. So under the Toyota certified warranty there is a XXXX point inspection that I am sure was never done because I would figure the first thing they would check would be the battery. So I was not given what I promised to pay for. The vehicles obviously a lemon. None of the electronics work correctly. It has a major electrical issue. So I spoke to the sales manager and he told me that they would switch the vehicle out for another I choose around the same price and give me a vehicle free of defects like they originally promised. So I go to the dealer with the tow truck the on floor sales manager shows me the vehicles I can choose from that they have in stock and takes pictures of them and tells me he will call me in the morning to let me know what I need to do to get the new vehicle. Yet instead I get a call from another sales manager I had been speaking with about another issue and he tells me the vehicle is ready for pick up. When less than 24 hours before that I have him on a recorded call telling me he would make this right and switch the car out. I refuse to pay the payments on a vehicle that is a lemon and as my rights as a consumer I reserve my rights to fair and just treatment along with not being lied to and coerced. I was in no way, given what I promised to pay for. I was sold a vehicle free of any major electrical issues and I got a car with a bunch of major electrical issues. This is very wrong of a dealer to do to an elderly man in a time of teases ion and a pandemic. I feel very taken advantage of and wronged. This is not how a consumer should be treated or anyone at that matter. Theyve lied up and down about everything and anything and have told me three different things in the tune to where I can not trust a word they tell me. This is a XXXX XXXX dollar loan for a new Toyota I should not be dealing with any of this. I did agree to pay XXXX XXXX dollars for a lemon. I have contacted the Toyota brand headquarters multiple times over this with no resolution and I am hoping you will help an elderly person being prayed upon by this dealership.
|
| 02/11/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Confusing or misleading advertising
|
|
Web |
|
|
I leased a new vehicle at the dealership XXXX XXXX XXXX XXXX XXXX. When I went into the finance office, the finance manageXXXX, XXXX XXXX, gave me a signature pad and told me I will be signing all my documents electronically, but he never gave me a screen or XXXX to see the actual documents. He told me that his computer system can not generate a contract until after I sign everything. He said he would summarize what I was signing, but I was unable to see anything I signed. We got to the part of the transaction where he asked if I wanted any service plan, I said no because it is a new vehicle being leased for 36 months and it will be fully under warranty for the whole lease. He said he had a great deal for me on this service plan, its only going to be {$3.00} per month. I asked him to clarify my base payment and what it would be with the service plan. He said my base payment will be {$530.00} and that with the service plan it will be {$540.00}. I asked him what the cash value of this service plan is because I know they are usually in the thousands. He said it was {$1500.00}. I told him that it didnt make sense that I would pay {$3.00} per month for 36 months and in return I get a service plan with a {$1600.00} value. I asked him how this was possible. He said XXXX is giving you an incentive for this service plan because they want to certify your vehicle when you return it at the lend of your lease. I replied Sir, you mean to tell me for {$3.00} per month, I can walk out of here and the next day I can cancel this plan and I get {$1600.00}? Thats like free money. He agreed with me and said Yes, I dont know why more people dont do it! I asked him if he was absolutely sure and I asked if he was messing with my rate at all to make the payments look this way, he said no, that would be unethical. I asked him one final time if he was sure, he said yes. So I agreed to it. The next day I was still uneasy about it so I called my local XXXX dealership to help me find out how much this service plan is actually costing me per month. They said that, according to my contract, the monthly price of that service plan is about {$49.00}, not {$3.00}. I asked them about incentives from XXXX about service plans, and they said that wasnt true either. I called Toyota financial services to be absolutely sure that I was lied to. They confirmed that what he told me was not at all truthful : There is no incentive from XXXX to buy that service plan, its not even an official XXXX product, and that XXXX certification process has nothing to do with service plans. I have the finance manager RECORDED saying all this to me as evidence of his fraud. After trying to resolve it with the dealership, they seem to think they did nothing wrong. Ive been researching this matter ever since. I believe the finance manager engaged in fraud, payment packing, and coercive tied selling.
|
| 03/31/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
It is my belief that I have been overcharged by Lexus of XXXX XXXX XXXX on the lease agreement for the following charges : annual percentage rate, fees, taxes, or other charges. I am also in the belief that Lexus Financial Inc is aware of the XXXX XXXX Lexus Dealership deceptive practices.
I, XXXX XXXX, leased a XXXX XXXX XXXX XXXX from your dealership on XX/XX/2021.
Since the day of the purchase, I have raised some concerns to the XXXX XXXX dealerships sales manager, finance manager, general sales manager, general manager and Lexus Financial over my buyers order and lease agreement. It is my argument that the sales manager and/or finance manager has increased some amounts on my lease agreement to generate a $ XXXX monthly payment. They have refused to address my argument that my monthly payments on the lease should be lower.
In my discussions with the XXXX XXXX dealerships sales manager, finance manager, general sales manager, general manager and Lexus Financial Inc, I questioned them about the following charges on the buyers order and lease agreement, A. The optional item ( nitrogen in the tires ) even after I requested that they remove this charge. The sales manager stated that he could not remove this charge because it was a required charge ; B. Why the finance manager tried to trick me into opting into arbitration after I had opted out ; C. Being charged for additional county sales taxes that are not in the amounts required by state and local law ; D. Being charged an exorbitantly amount for the rent charge and ; E. Stated to me that the money factor was 0.00020, but charged a different rate ; F. They refused to tell or show me how they calculated the amounts shown on the lease agreement by stating that these were Lexus Financial charges that they have nothing to do with.
It is my belief that the XXXX XXXX XXXX Dealer, General Manager and Lexus Financial have discriminated against me in the leasing of XXXX XXXX XXXX XXXX, based on my race and age.
I was shown a lease agreement similar to the vehicle I leased ; whereas this individual was given more incentives and paid less taxes and fees on their vehicle. I was told that the XXXXd Lexus dealership had nothing to do with the lease agreements. I was told that Lexus Financial Inc completed the lease agreements.
In my conversation with Lexus Financial Inc about the information on the lease agreement, I was told that Lexus Financial Inc dont have anything to do with completing the lease agreements from the dealership. It was stated that they only purchase the lease agreements from the various dealers.
I feel that Lexis Financial Inc and XXXX XXXX Lexus Dealership has violated the FTC, the Truth in Lending Act and the Equal Credit Opportunity Act by misrepresenting the cost of my lease, the fees and taxes charged and charge for the optional nitrogen in the tire.
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Well According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This has not happened. XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure all my private information isnt shared at all. which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information.
XXXX XXXX XXXX and XXXX XXXX is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer whom it relates.
XXXX XXXX XXXX and XXXX XXXX the financial institution and the Consume Reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Plus XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681s-2 ( a ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
According to the 15 U.S Code 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681 of this title.
XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
|
| 05/22/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I am coming to this bureau regarding a very serious concern of mine regarding my Toyota lease. In XX/XX/XXXX/XX/XX/XXXX of XX/XX/XXXX-XX/XX/XXXX I was concerned as to why my credit dropped OVER a hundred points and noticed right away that Toyota Financial had reported me as a delinquent on my lease. I have been in contact with them a lot regarding renewing my lease and potentially acquiring a new vehicle and never once had they mentioned to me that I was overdue on a bill that was supposed to be on AUTOPAY. I have always used autopay and only in emergency situations when I travel do I request statements. In these months I had not been made aware that my autopay was not successful nor that the autopay was somehow disabled. As a result I have no way of seeing or obtaining a statement from them because this was on automatic servicing. I receive don e-mail, no mail at ty address and what is most shocking is that I received not ONE SINGLE phone call to warn me or protect me. I am so shocked and confused at this company and how they can repeatedly try to sell and re-sell cars to me and yet they can not even contact me regarding an autopay issue and a payment that was nearing its due date. I had gotten my payment in before my grace period as far as I was concerned and yet they still reported me 30 DAYS late. This is abuse of power and a terror to consumers! How can they be a financial institution and yet the sit there and wait until more than enough time has passed by so they can tarnish my credit, charge me astronomical interest and late fees and smile there way through our conversations about me being such a great customer that I qualify for a new car???
It is in their professional duty to inform consumers if there is an issue so that these horrible situations can be avoided. But it seems to me that Toyota Financial is the greediest and most deceptive company. I have called every possible phone number in a an attempt to reach the dispute department but there is NO one there and no direct number and one can only communicate through their unprofessional and ill informed customer service agents situated in other countries who barely understand me. I have always been an excellent customer and these zero tolerance zero heart policies HAVE TO STOP! These companies constantly justify themselves and we as consumers feel and are absolutely powerless. How can they not understand a human situation and a electronic mishap? How can they not assume or believe or understand that mistakes happen and that they are NOT always right! I am going to pursue legal action for the damages done to me if someone does not help me. I implore your help on this website, please. I am running out of time and want to purchase a new car and can no longer. Also as a result of this my new interest will be out of this world high. This is unfair and not right.
|
| 11/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
I've been working for 3 months to correct an error on my credit report. I was buying a home and realized Toyota Motor Corporation ( Lexus ) was reporting I owed over $ XXXX on an account closed in XX/XX/XXXX. When I disputed it, Toyota Motor Corp REOPENED the account, and all the credit agencies started reporting a debt and late payments for an account closed almost 6 years, an account for which I NEVER ONCE received a request for payment. When I was counseled by Toyota Motor Corp. on my options in XX/XX/XXXX, they advised me if I gave back the car they would sell it at auction, and sell off the remaining debt to a third party to whom I would have no obligation to. This is why I made the decision to voluntarily surrender the car in the first place.
When I tried to correct this, the response from Lexus was this : " On XX/XX/XXXX, you communicated that you were unable to afford the monthly payments and requested a voluntary surrender. During that conversation, we explained the consequences of voluntarily surrendering the vehicle. You returned the vehicle to XXXX XXXX XXXX, and we recovered it on XX/XX/XXXX. We mailed a cure notice on XX/XX/XXXX, indicating that the account was in default for the XX/XX/XXXX payment. The vehicle was sold at private auction on XX/XX/XXXX. Unfortunately, the price we received at auction was not enough to pay your account in full and we notified you of the amount due ( {$14000.00} ) via written notice on XX/XX/XXXX. We attempted to contact you on numerous occasions to resolve the total amount due. Despite our continued efforts, the balance remained unpaid, therefore we charged off the balance in XX/XX/XXXX and reported it as such to the consumer reporting agencies ( CRAs ). It is important to understand that prior to the retail account being charged off, we continued to report the status of the account to the CRAs. As a result, your XX/XX/XXXX payment was reported 30 days past due in XX/XX/XXXX, 60 days past due in XX/XX/XXXX, 90 days past due in XX/XX/XXXX, and 120 days past due in XX/XX/XXXX. Our records do not reflect that we waived your obligations regarding the debt or re-opened the account as stated in your complaint. '' There are two things to call out here. First, they claim they send me a " written notice '' of money I owed on XXXX XX/XX/XXXX, tried to reach me several times to resolve, and then charged off the balance in XX/XX/XXXX. This only proves my assertion : They intended to just charge it off and not recover anything from me - there's no way all this can happen in the span of 2 weeks.
Second, Lexus very clearly stated the last " delinquent payment '' was XX/XX/XXXX, the account was closed then, and they never reopened the account. Therefore, the credit reporting agencies must change their reporting to show this account was closed in XX/XX/XXXX per Lexus ' own statement.
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ), along with my signature ) served as a financial asset, promissory note and security ( registered, fixed income, marketable ) which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtedness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice, if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to U.C.C. 9-210, I am requesting a full forensic audit of the accounts. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Notes/Floating Rate Notes is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( c ) and you assume civil liability pursuant to 15 U.S Code 1691 ( k ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned laws, statutes and codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed via special deposit of the interest-bearing coupons associated on the itemization statement. This is your opportunity to cure as well as your notice of default for the servicing of my accounts. You meaning TOYOTA FINANCIAL SERVICES, TOYOTA MOTOR CREDIT CORPORATION and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
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| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Consumer Financial Protection Bureau Dear Sir/Madam , I am writing to file a formal dispute complaint regarding unauthorized credit inquiries made on my credit report. These inquiries are not related to any transaction undertaken by me, and multiple unauthorized inquiries were made on my credit report, including two inquiries made on the same day, which I believe constitutes consumer fraud. The unauthorized inquiries listed below have been made without my consent and are in violation of laws such as 15 USC 1644 ( Credit Card Use Fraud ), 15 USC 6801 ( Protection of Non-Public Information ), and 15 USC 6802 ( Obligation to Respect a Disclosure of Information ).
Unauthorized Inquiries : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 - [ List all unauthorized inquiries with corresponding dates ] I would like to draw your attention to the fact that on XX/XX/2023, my credit report was accessed twice in one day without my authorization, which is a clear violation of consumer protection laws. This unauthorized access to my credit report could potentially lead to my personal information being misused, and I am deeply concerned about the potential ramifications of these unauthorized inquiries.
Furthermore, I believe that my credit application has been turned into a security without my consent, and these financial institutions are trading it in a secondary market, which may constitute consumer fraud and identity theft. The unauthorized transfer of my credit application to other banks without my authorization is a serious breach of my privacy and security.
I request that the Consumer Financial Protection Bureau investigate these unauthorized inquiries and take appropriate action against the institutions responsible for these violations. I also request that the unauthorized inquiries be removed from my credit report to prevent any further misuse of my personal information.
I have enclosed copies of my credit reports & an FTC report number..highlighting the unauthorized inquiries for your reference. I appreciate your attention to this matter and look forward to a prompt resolution.
Sincerely, XXXX XXXX
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| 08/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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-I 've had the honor and pleasure of having more than three auto loans with Toyota Motor Credit in the last 9 years. Throughout our business relationship, I have honored my account agreement to the fullest.
-This particular account has been set up on auto pay from the start of the loan. There is a 30 day late remark reporting for XX/XX/XXXX that is inaccurate.
-On XX/XX/XXXX, I spoke to XXXX from Toyota Financial and she told me there was a credit adjustment made on this account on XX/XX/XXXX. So she said I was short {$2.00} from XX/XX/XXXX through XX/XX/XXXX. She said NOT ONCE did your company charge me ANY late fees on this account for being {$2.00} short. I was also NEVER notified that I did not make the full payment every month for almost TWO YEARS. She then proceeded to tell me that on XX/XX/XXXX a letter was mailed out stating that that I was about {$40.00} past due. I paid {$43.00} on this account to bring the account current.
-I also have this account on auto pay, so the amount of {$390.00} was being taken out every month on time. I checked my bank account every month and it was always taken out. But since I was never notified of a tax adjustment, your company was not taking out the correct amount.
-Your company did not properly handle this account by advising me of the tax adjustment. Every statement I received NEVER told me I was past due on this account, EVER. You can see that from your statements. Your company also did not alert me that I was past due until XX/XX/XXXX ( which is TWO YEARS LATER ) when I was well over the 30 days!
-Your company sent me a detailed denial letter that I have attached. The information in that letter is wrong and let me explain why.
-So again, from XX/XX/XXXX through XX/XX/XXXX, your company stated I was {$2.00} late every month. You stated that you sent out correspondence about this tax adjustment that I did not receive as I told your company to send correspondence to my mailing address XXXX XXXX XXXX, XXXX, Ca XXXX. You continuously send documents to my business address. The statements that I could view online NEVER stated I was short or late on any payment until it was {$43.00} past due. The way your system generates this information is a bank error right there. I can see all my automatic payments being made, so since I was not informed that I was short every month for two years, then one would assume I am making ALL my payments in full and on time.
-You stated that you contacted me repeatedly at XXXX. That is not my business phone number as it is XXXX. You also stated you spoke to XXXX XXXX on XX/XX/XXXX when it was well over 30 days pat due. You also gave someone information that is not authorized to speak on this account. So you have violated my consumer rights.
-Your company has absolutely NO record of talking to me about this tax adjustment at all.
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| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On our around XX/XX/2023 I was in discussions with multiple Toyota dealerships working on building and reserving a vehicle. After delivering all of the specs to the sales person, they asked for a credit card for the non-refundable downpayment of {$1000.00} and my social security number. I understood the deposit, it ensures that the person ordering the vehicle is serious about the transaction, even if it takes months, but I did not understand the requirement of my social security number. When I inquired, the sales agent informed my it was to run a credit check. I pushed back and told them that, first, this was not clear in the process and that they did not inform me of this requirement when requesting my social security number but more importantly, there was no credit transaction and, from what I can tell in FCRA, no permissible purpose for Toyota dealerships, through Toyota Financial Services ( TFS ), to obtain a consumer credit report due to reserving a vehicle.
Even if the Bureau where to conclude that this practice falls under permissible purpose as outlined in FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) as a " business transaction '', I challenge the Bureau to review this as a potential unfair business practice. As the Bureau understands, when a hard inquiry is made to a consumer report, it negatively affects the score. What this practice does, which is unavoidable when a consumer is trying to find the vehicle that is the correct fit for them especially given the supply issues, is allow the finance company ( in this case TFS ) to make multiple hard inquiries on the same consumer. The first inquiry coming from the unnecessary first inquiry when reserving a vehicle and then the second will come after ( could be over 6 months ) for the ultimate financing of the vehicle. By having the second hard inquiry on the credit, there is significant chance that the consumer credit score will drop by double digit points allowing the finance company to charge a higher rate than the consumer may have paid if there was only one hard inquiry. This practice ultimately has a more negative affect to the consumer who is not in a position to be able to afford a higher rate.
I understand that credit reporting agencies typically treat multiple hard inquiries from the same company as one but the practice is generally a 14-45 day period to allow a consumer to shop around. The wait for a vehicle extends beyond that grace period and harms the consumer ultimately trying to reserve a vehicle.
This practice is harmful to consumers, not easily avoidable, and it is not clearly disclosed. Additionally, the consumer is already putting down a significant amount of money upfront which should alleviate the company 's concerns of a consumer walking away. Adding the requirement of pulling a consumer credit report is unnecessary and harmful.
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| 11/08/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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I leased a new XXXX XXXX XXXX ( XXXX ) from XXXX XXXXXXXX XXXX XXXX NY . I ended the lease early and traded it into XXXX XXXX on XX/XX/XXXX ( as indicated on the signed odometer statement from XXXX ).
Before trading in the XXXX, I made sure all my obligations were met. Such as : - Under the allotted milage by the lease.
- I did lose a key so I went to a Toyota dealership and paid to get a new key and have it programmed to trade in with the car.
- From that same dealership I got the lease turn-in packet. I checked the car all around for dents and scratches. There were none that were over the threshold listed by Toyota. I also checked all 4 tires, they were within the guidelines as well.
- Contacted Toyota 3 times for a final payoff. This included myself calling, the new car salesmen calling from XXXX, and the General Manager of XXXX. All on separate calls, all verifying the same amount which XXXX did pay ( if you need proof of this I would be happy to go to XXXX and get a signed statement ).
I then do not hear anything for over a year, when my credit is hit by over XXXX points for a repossession. I call Toyota for months and can never get a straight answer. I am just told to pay them {$2200.00}.
I finally get a hold of somebody after calling every day, asking to speak to a manager on every call that helps explain what the charges are actually for ( still to this date they have not been able to explain the charges ). This rep explains that the car was indeed repossessed however it was repossessed from Toyota 's corporate lot. They repossessed the vehicle from themselves. The rep ends the call stating they see the issues and they will take care of it. So I leave the conversation thinking everything will be solved. Months later still nothing. I start calling back again daily, but nobody can find that call and they all say ( including managers ) I owe them {$2200.00}.
At this point my credit has started to slowly come back from this but I do want this resolved so I hired an attorney. He sent a letter to Toyota stating all these facts. It takes Toyota over a year to respond. That response is, have your client pay {$2200.00}.
We send a response back and again wait years for anything. Just the other day I get a letter from Toyota to my attorney stating : " dear sir/madam : We have filed a notice of voluntary discontinuance or satisfaction of judgment on your client 's behalf A COPY OF THIS NOTICE OR SATISFACTION IS ENCLOSED '' My thought is after 7 years of them destroying my credit and running so much in my life this is over... but I was wrong. They just hit me with a judgment for that same {$2200.00}.
I can not express how much I want Toyota to pay for their mistakes they have made me pay more for things for almost a decade of my life because of their mistakes and they should pay for this.
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| 11/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with a trade-in
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Web |
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To whom it may concern, I moved to California from XXXX due to a job relocation on XX/XX/XXXX. Coming from a different city and originally located in the XXXX XXXX, I carried with me only my personal belongings. Therefore, once I arrived to XXXX XXXX, XX/XX/XXXXdue to the transportation being mainly here with a personal vehicle I prioritized this task first. I went to many dealerships and just when I was about to give up I went to XXXX XXXX. There on the evening of XX/XX/XXXX ( I remember because it was my Mothers Birthday ) the sales man showed me the XXXX XXXX. They told me that this was basically the car to have, that I would be able to drive in the carpool lane alone, that it has no emissions, seat warmers, keyless entry, navigation ( GPS ), bluetooth, leatherette seats, auto-brakes, blind-spot warning, etc ... But one of the most important things is that the car would hold its value and that they would give me a card with $ XXXX to be used on fuel for the next 3 years. I purchased the vehicle for $ XXXX ( If I recall correctly ) and I gave $ XXXX down payment.
Fast forward to XX/XX/XXXX, after the pandemic hit I have to make the hard decision to leave from California ( due to the pandemic ) so I went in to XXXX XXXX again since the fuel for this Car is only in California I can not take it with me ( its liquid hydrogen - fuelcell XXXX - so I was hoping that I could trade-it in for a car that uses gasoline. The sales man was about to trade it for a XXXX when his boss came to speak to me to give me the terrible news that they can not accept my car as a trade-in. I was like, what?! Why?! ... They said that the car lost so much value that they could only accept it if I gave $ XXXX cash. Which it is just unreal. I bought the car, certified pre-owned from XXXX which typically already it had lost the biggest amount of value but now they are telling me that a car that I bought less than a year ago and which I still owe $ XXXX on it its worth around $ XXXX - I bet you can feel how ripped off I feel by the company. Not only that, they are still selling this car for more than $ XXXX which is the worst part since I feel that not only me but they are fooling other people.
Now I am extremely frustrated that such a big company with a strong reputable brand played me for a XX/XX/XXXX and now I owe a car that I can't re-sell and they wont trade-in for a car that I can use out of state.
This is why I feel like my only hope is to file this complain through you with a huge hope that you can help me find a solution to this terrible mismanaged situation as a consumer I have been robed, this is just not acceptable and they are still doing this to other consumers. I have the car loan with them - Toyota Financial.
I humbly ask if there is something you can do to help me and also help others avoid this scam.
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| 09/24/2022 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/XXXX I received a notification XXXX XXXX XXXX asking which of 3 options listed would I like to statuary my debt to Toyota Motor Credit. This is a debt I have disputed in the past due to the high amount however Toyota could only tell me it was sold to a collections company and they would be in contact. This is the first I have heard from this company and the collection is not on any of my 3 credit reports. I called the agency and asked for validation of debt. After asking several times if I would go ahead and just make a small payment today, the agent finally agreed and said she would follow up in 10 days. I relayed to her my concern was regarding the amount of the debt and I didnt agree with the total.
I received the packet from XXXX. For starters, the information on the cover letter is very limited and besides my name and address it is incorrect. The information listed os for a XXXX account with account number and balance of {$220.00}. Moving past the cover letter the documents are for the Toyota loan, however it does not contain a transaction detail listing showing my payment history. There was a copy of my original 9 page lease, a copy of the letter on how to purchase the car before auction and a post auction bill. No record of any sort regarding payments made to the account.
One page lists the repossession at {$750.00} then another lists it at over {$1600.00}. Then there are all these misc fees however when reading through the lease, the only fees mentioned are late payment and based on my monthly payment amount, that would be {$19.00}. So I dont understand misc fees in excess of {$2400.00} on the final statement. And again where are the deductions for payments made? I know a minimum of 23 months of payments were made and that is from my XXXX report page payment history on this entry.
Since this company is not on my credit report I submitted a dispute against XXXX regarding the amount. They didnt address the discrepancy regarding amount owed and amount paid either. They concluded with if you have any further questions please call customer service at... Which I did the next day. Just to be told what I was told earlier this account has been charged off and sold to a collections agency we have no information on this account I called XXXX at XXXX XXXX ( their advertised hours of operation are ( Monday - Friday XXXX ). And the recording asked me to hang up and call back during normal business hours.
I have tried to get this situation resolved before the repossession and lack of communication and inability to explain the misinformation has made it a nightmare. In addition, this was a voluntary repo. After missing 1 appointment I had to call and reschedule to meet the representative and hand over the keys. I thought certain fees were subtracted for a voluntary repo.
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' This company is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. This company the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, This company whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' This company never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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| 02/23/2019 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XX/XX/XXXX our leased XXXX XXXX XXXX was damaged during the flood and we submitted a claim to insurance company that the car is irreparable. The insurance company honored the claim and paid the remaining value of the car to XXXX XXXX XXXX P.O. Box XXXX XXXX XXXX, IA XXXX ( " XXXX '' ) under account number XXXX : XXXX on XX/XX/XXXX. Both my husband and myself are listed as lessees on the account. XXXX sent us a letter dated XX/XX/XXXX indicating that we owe a GAP insurance deductible of {$150.00}, which is " due within XXXX days from the date of this notice '' and if not paid, " your account will be charged off and reported as such to the credit reporting agencies ''. I was overseas for work at the time, I did receive a call from them on or about XX/XX/XXXX, where they were trying to confirm if we received a letter and indicating that {$150.00} was due and payable. I asked them to send by email, which they did. I forwarded the request to my husband, who was in US and asked him to settle. My husband sent a check dated XX/XX/XXXX for the amount of {$150.00}, which cleared our checking account on XX/XX/XXXX. In meanwhile, XXXX reported the amount as charged-off. My credit history has only 1 account reported being late for payment, which is XXXX XXXX in XXXX with indication 30-59 Days Past due. Everything else is in good standing, no late payments, no defaults, no derogatory remarks. After this charge-off amount got posted to the credit report, our credit scores have dropped significantly.
On XX/XX/XXXX I have written to XXXX indicating that they placed an undue burden on us where this {$150.00} is creating undue limitations to our financial freedom and demanded that this record be expunged from our Credit Report. They responded that they did everything properly. Please note, nowhere in the contract that I had signed there is a clause that I would have agreed that XXXX IS awarded such right. I consider this frivolous behavior. Where does 20 days have come from, why is it 20, not 10 or not 30? is it 20 calendar or business days? I have opened several claims with XXXX, trying to explain and fix the issue. They made a comment on the report that the account was paid, but remained the CO remark and " XXXX XXXX Off ''. This doesn't help though. We have recently applied for a mortgage and were denied with comments " there is a serious delinquency on your credit report '' ; " delinquent account appears to be recent ''. At this time I am looking for assistance on legal remedies that are available to me. I am intending to bring a suit to court as this burden is so undue and has caused us substantial moral suffering. I am also looking for an instrument, where I, as an individual, can be awarded an equal right to place financial burden on XXXX at my discretion of 10, 20 or 30 days.
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' This company is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. This company the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, This company whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' This company never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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| 07/03/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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This complaint against XXXX XXXX XXXX XXXX XXXX for deceitful and unethical practices on collection action. In XXXX entered into a stipulated agreement for the amount of XXXX for $ XXXX. During COVID, my income became severely challenged as a result of increased expenses, depleted resources and caring for myself and family. The agreement was to make payments via check and/or money order monthly which became extremely difficult. In addition to caring for myself and family, where the entire household became ill I tried effortlessly to make payments to maintain my agreement. Nevertheless, in XXXX I received a phone call from said collector indicating that A default judgment eas entered for lack or failure thereof to make payments in a timely manner. At the time, I was dealing with medical issues for myself without compensation, which I advised the representative for XXXX XXXX XXXXXXXX I received no updates from the courts with regards to the judgement to dispute at the time due to the courts being closed to the public, severe backlog and trying to care for myself, an elderly parent and a child. Nevertheless, I spoke to a representative who states that documents would be sent, needed to be signed and to continue making said agreement amounts of {$50.00}. I continued to oblige to continue to make payments, where I can injured again resulting in an extended medical leave without compensation. I tried to toggle food, water and shelter and paying my bills until XX/XX/XXXX until I just couldn't manage paying any payments. I tried at the time to advise the reps at the agency, but their extremely rude, disrespectful and conduct their law firm with unethical business practices. I tried to reach out to Toyota as well whom the XXXX XXXX XXXX is hired by and have yet to receive a response. Ive been had little no income since XX/XX/XXXX to XXXX of this year after returning to the workforce. There has been absolutely no correspondence received from XXXX XXXX XXXX since the phone conversation in XX/XX/XXXX when there was an issue with payment and them being advised that I was on medical leave until XXXX of XXXX, receiving paperwork from XXXX XXXX XXXX XXXX for income XXXX and garnishment in the amount of {$11000.00}, which is way more than the agreed amount, no deductions of the payments made in the mount of XXXX XXXX I contact the attorneys office requesting a copy of the stipulation all payments made and have yet to receive. I have also filed a complaint with NYS attorney general office for Unlawful and unethical business collection practices from this law firm hired by Toyota Motor Credit. I need for initial agreement amount to be reinstated, this judgement to be dismissed, the levy to be removed, a DEDICATED REP from TOYOTA to handle to my account to resolve this issue amicably.
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| 07/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/2023 I purchased a Mazda XXXX from the local dealer. I chose a 3 year financing plan. On XX/XX/XXXX I received the one and only communication from Mazda Financial Services, a letter sent by USPS mail giving me information about how to set up an online account etc. I set up my account on www.mazdafinancialservices.com the same day and I set up all my bank account details. I set up a recurring plan with first payment to be processed on XX/XX/XXXX and then on the XXXX of each month thereafter ( eight days before due date, to allow for ample time to be processed by my financial institution ). Although I did not opt for paperless statements, I have not received any bill, invoice or notification from Mazda ever since. I have not received any email with information about bills or outstanding balance either. The only thing I received was an email two days before the bank transferred was due to inform me that an electronic payment will be processed on the certain date. The payments have been processed regularly at the specified date. An example of such email is detailed below : Thank you for our payment. Your recurring payment of {$880.00}, on XX/XX/2023, XXXX, is being processed.
That was all.
Yesterday, I logged in for the first time since XXXX on the Mazda website, to increase my monthly payment, so that I can pay the loan faster. Then I realized that I had been charged late payments since XXXX. Apparently, my first payment was due XX/XX/XXXX ( that is six days after the first communication from Mazda was received ; mind you that letter on the XXXX was not a bill, but rather information on how to set up an online account ). The payment that was due on XX/XX/XXXX never showed up on the online account at the time I created it on XX/XX/XXXX. At that time my account showed that no payment was due until XX/XX/XXXX.
Mazda has been charging me {$88.00} in late fees since XXXX, but never once have they sent me an email notification or a letter informing me that there is unpaid balance or that my account is late. And why would they? It was good business to keep charging me an extra {$88.00} dollars every month.
This is fraud! I was never sent a single bill by this company! Ever! I was never informed by email or mail that a payment was past due date. They just kept charging me late fees, hoping that I will not notice. This has to be illegal. Again, I have never opted out of paper statements and despite this I have never received any sort of statement, bill or notification.
Please change the laws to punish this kind of abuse. Companies need to send notifications of past due payments by mail ( there was no email either ). The consumers need to be somehow notified that their account is past due and that they are being charged very high late fees.
Thank you!
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| 04/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My lease XXXX XXXX was in accident on XX/XX/2018. I reported the accident to my XXXX XXXX ( within 2 hours after returning from the hospital ). XXXX followed up from that point dealing with Toyota Financial loss department. They issued a payment check to Toyota for the lease car ( XX/XX/2018 ). Toyota then proceeded with their internal resolution process for loss cars. I was told they would contact me once completed. They competed it in XX/XX/2018. I started receiving phone calls from Toyota around XX/XX/2018 re their resolution result. I never received any letters from Toyota re completion just phone calls. I returned their call and was told that that my lease insurance ( GAP ) was only responsible for a payment of XXXX and I would have to pay them XXXX to complete the entire process and will thus have a XXXX balance. I contested the TOYOTA GAP insurance payout because it was incorrect ( because Toyota had intentionally have the wrong date for the accident which made the Gap insurance less than it should since they had me noted as not making my monthly payment when the car was already written of. Toyota GAP Ins. agreed they had the accident date incorrect and resubmitted the claim for a corrected determination. I was told by two Toyota GAP customer representatives around early XX/XX/2018, to wait for the claim process to complete again for my payment responsibility after GAP re calculated their liability to so I can resolve the balance. During that claim process Toyota prematurely and erroneously sent my account to collection ( XXXX ). Sometime around XX/XX/XXXX, I received a call from the collection agency saying that I owed Toyota XXXX. I was extremely angry at which point I told the debt collector I will call Toyota to resolve this because my GAP insurance claim is still being resolve with Toyota and thus I have no idea, why this account would be sent to collections. In fact, there was not a final payment determination for my portion. I called Toyota who then said that they are no longer responsible and did not help me except to say resolve it with the collection agency. By the end of XX/XX/XXXX. ( maybe early XX/XX/XXXX. ), Toyota GAP insurance finally process the corrected claim ( they were now responsible for XXXX dollars instead of their initial XXXX ) and gave me a final corrected payment of XXXX. I promptly resolved that payment with the debt collector on XX/XX/XXXX. Toyota financial has put my credit history in jeopardy for a mistake made on their end, and during the correcting of their mistake they prematurely sent my account to collections despite assurances that I should wait for the completing of my Toyota GAP insurance claim process. This account was paid and finalize in less than 2 weeks from Toyota GAP insurance GAP claim completion.
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| 09/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On Friday, XX/XX/2021 I attempted to make a payoff payment for my recently purchased Toyota vehicle. I navigated to their website ( XXXX XXXX XXXX ), used my login information, selected " Payoff Options '', " Get Payoff Quote '' and received an error message stating " We are unable to process your request at this time. Please try again later. '' Every day, including today ( Wednesday XXXX, XXXX ) I have run into this same problem. With this being a new loan I did not have access to a previous billing statement or other paperwork that provided me with a customer service phone number. I attempted to access customer support or a phone number on their website ( choosing " Support Center '' from their drop down menu ) but again received the same error message. I have tried every day since Friday XX/XX/XXXX to make a payoff payment or contact customer support to no avail. I even contacted my dealership but was told I could not make or submit any payments to them and needed to go on the Toyota Financial Services website. On the evening of Tuesday XX/XX/XXXX I received a customary Privacy Practices notice from Toyota Financial Services via snail mail. This was the first time I was provided with a customer service phone number. I called and the offices were closed. I called again the next morning, Wednesday XX/XX/XXXX at XXXX and spoke with a representative ( Agent ID XXXX ). I received a payoff quote, daily interest fee information, and instructions on how to make this payment. I described my concern that I was being charged a daily interest of {$1.00} for days that I tried to make a payoff payment on but could not due to their website errors and inaccessible customer service contact information. The representative stated that because I signed a contract stating that I would pay daily interest for all days that I carried the loan that the interest would not be waived. I asked to speak with a manager and was told that a manager would not waive the interest fees either. I asked to speak with a manager anyway. The agent agreed to " file a complaint on your account '' and told me that I could hear back from a manager within the next 72 hours. I have submitted a bill pay through my bank for the payoff quote total of {$10000.00} which I am told reflects total balance plus interest on XX/XX/2021. My bank bill pay receipt reports that Toyota Financial Services will receive this money on XX/XX/XXXX. I am unfairly being charged daily interest of {$1.00} for XXXX XXXX XXXX, a total of {$8.00}. If their website was working I would have been able to receive the payoff quote and make a payoff payment by XX/XX/XXXX, which I was fully prepared to do. This is a minimal amount of money, but it is not their money to keep and their behaviors represent predatory practices.
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| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the Consumer, and XXXX and XXXX are consumer reporting companies. 15 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the consumer reporting companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of criminal convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A.
" Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer may exercise the right to opt out at any time. '' I am declining your reporting services.
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| 02/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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Previous Complaint # XXXX It is very unfortunate that Toyota Financial Services ( TFS ) is in such disastrous shape. Per my previous complaint stated above, I made a payment on XX/XX/XXXX and TFS CASHED IT. I have the copy of the cashed check and TFS has the copy of the CASHED CHECK. And my bank account is proof of payment made and cashed.
Now, TFS is claiming that the check was returned unpaid. That is NOT TRUE BECAUSE I HAD ENOUGH FUNDS TO MAKE THAT PAYMENT AND MY BANK ACCOUNT SHOWS THE FUNDS WERE CASHED BY TFS on XX/XX/XXXX, and there is SOMETHING CALLED PROOF OF PAYMENT - the CASHED CHECK with TFS endorsement.
I am sick and tired of wasting my valuable time on this company engaged in unlawful business practices and consumer harassment. How was the payment returned unpaid if the money is not in my account and the check is CASHED BY TFS? THERE IS AFTER ALL PROOF OF PAYMENT. In their response to my CFPB complaint TFS provided a phone number to call, but alas, when I called that number, the same transfer game began again ; the right hand doesn't know what the left hand is doing. No one knows anything, and I was eventually transferred to XXXX XXXX.
In order to put an end to this, I made yet another payment to XXXX XXXX, XXXX ( the collection agency TFS transferred my account to ). On XX/XX/XXXX, at XXXX I spoke to XXXX XXXX in XXXX XXXX XXXX and made yet another payment towards my XXXX account # XXXX of {$970.00} ( this is a DUPLICATE PAYMENT, please note that ). XXXX XXXX advised that he would notify TFS immediately and send me a letter in the mail within 15 days stating that the account is paid in full and closed satisfactorily. He also stated that XXXX did not report negative information on our credits but TFS did.
Now, today, XX/XX/XXXX, I received a phone call from agitated co-signer of my TFS account # XXXX, XXXX XXXX XXXX who told me that once again TFS had reported a negative late charge in his otherwise spotless credit report. TFS did the same to me, once again. In their response TFS stated that if I didn't make a payment again within 10 days, they would report negative information with credit bureaus. I paid immediately, and here we go again. It hasn't been more than a day, and they reported it again ...
This is TOTALLY UNACCEPTABLE. Toyota Financial Services is involved in UNFAIR BUSINESS PRACTICES AND is abusing its customers like me and my co-signer.
They double charged me after all and still reported negative information.
I demand a response immediately. I will not call them again because they are unaware of anything.
I can not wait till my lease is over so I do not have to deal with this horrible business again. This is the last Toyota vehicle I am driving. I WILL NEVER LEASE OR PURCHASE TOYOTA AGAIN.
|
| 04/21/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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To Whom It May Concern In summary : Leased the car XXXX XXXX with the promotion of one month free ' I noticed that I did not receive my my Free promotion month and contact XXXX financial center on XX/XX/XXXX.
After several phone conversation with the customer service /manager I was told that we will look into it and I should not be worry and any over payment will be refunded I asked instead of sending check please just transferred the money to my new account since I was in process of purchasing the new car from the same company When I returned the car and lease the XXXX XXXX XXXX I was under impression that that i have credit to my contact On XX/XX/XXXX I received notice of late payment Immediately called, after 1.5 hours being on phone finally spoke lady on Resolution center ( I have name Not have name with me now ) explained the situation She apologized about wrong information and suggested to pay all balance now ( and they will look into over payment on XXXX car since two account are completely separate ) and assured me several times that It wont affect my credit. ( Hope there is record of our conversation ) She also kindly removed late fee.
I paid total amount same day Without exagerbation for last 9 months I was on phone more than 20 hours. ( I had to take day off two days to stay home ) Everyone giving me same info and no one returns the call at all.
few days ago I was told they would honer promise of lady about XXXX payment but somehow It took several days for my payment to actually get into my account ( Dont know How could I Know that or being responsible ) on same day I spoke with XXXX XXXX ID XXXX and faxed info ( he was supposed to call back? ) So far problem was only money but After 23 years I found my dream home .In processing of getting loan I was told My credit score of XXXX dropped to XXXX XXXX I got panic thinking of fraud or ID thief but actually it was for REPORT OF 2 LATE PAYMENT FROM XXXX.
One from XX/XX/XXXX ( as was explained above ) and second One for XX/XX/XXXX -For XX/XX/XXXX I paid on time ( actually earlier ) but there was XXXX Miscellaneous ( tax ) so by error they took my payment for that XXXX $ and the report me for late fee ( this one they admitted was error but it will take 30 days for processing ) None of them was communicated to me.
In my whole life never being late for any payment As a XXXX I am not familiar to law but I trust the law to protect people from wrong doing of big company The owner of my dream home accepted my offer but can not wait months to resolve my credit issue Please help me they are not even return my calls I will be more than happy to answer any question or providing info If needed it Thank you for your consideration Sincerely XXXX XXXX XXXX XXXX XXXX email XXXX XXXX
|
| 04/05/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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Web |
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My Toyota XXXX is coming off of lease. I had previously calculated the remaining amounts for payments needed based on the Toyota Financial Services Account Management portal. This portal provided an incorrect amount left thus the amount that was calculated I was informed was incorrect. Based on the incorrect information there was a final balance of {$39.00}. I was not notified of this balance.
Beginning on XX/XX/XXXX, Toyota Financial Services began calling me multiple times per day, harassing my cell phone and not identifying their call via voicemail. On XX/XX/19 I called Toyota Financial Services back to determine why this number kept calling me. The automated prompts identified my account ( multiple ) but I requested an agent as the harassing calls had failed to identify any information associated with Toyota ( including called ID not identifying the business ).
I reach an operator who refused to assist me. She refused to inform me of why I was receiving the harassing calls. She incorrectly stated she required my FULL SSN to continue when I had already provided enough information for their system to identify my account. She refused to transfer me to a supervisor. I informed the Agent that her company, if it was Toyota Financial Services, was performing harassing calls and I again requested to speak to a supervisor. The agent again refused to push me to a supervisor and badgered me in a harassing and unprofessional manner.
On XXXX, I was able to answer a call from the harassing number. The harassing calls were being performed by an auto-dialer. The agent provided me information in regards to the harassing calls. I informed the agent that I would check online as she failed to verify who was calling me ( failed to verify her employer ), verify that this situation was correct and move to correct any issues. During the call, I did not realize that the Toyota Financial Services website was providing incorrect information thus I couldn't speak to the validity of the claim.
I also informed the agent that when calling they needed to leave a voicemail as I had already been harassed by Toyota Financial Services staff and systems. The agent then provided false information regarding Toyota Financial Services legal ability to leave a voicemail. I informed the agent that this information was false and that my prior experience in the financial services and debt management industry provided me with industry knowledge to the contrary. At this point the agent began badgering me and I requested to be transferred to a supervisor. The agent refused to transfer me to a supervisor. I repeated my requests and the agent continued to badger me and refuse my requests. At this point during the agents harassment I hung up the call.
|
| 03/17/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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I am writing in reference to a car I purchased back on XX/XX/2011, financing done by Toyota Financial Services, XXXX TX. I voluntarily called and gave the car back because it was impossible for me to continue with the payments and fixing of the many problems that car had since the moment I bought it. I tried to return it using the Lemon Law but because the car had more than 8000 miles at the time I bought it didnt applied. After the warranty expired I had to go to XXXX XXXX and XXXX XXXX to have additional repairs done. I was told by this company that the amount of the repairs was going to exceed the first estimated I was given by them. At that time I had no choice but to call the financial company and request to have the car pick up at the body shop and have it voluntarily surrender by me.
I had to keep making the payments of my loan as you can see in the documents that I am attaching and just three months after I finished the last payment because I couldnt keep making them the same body shop took over the car as you can see in the Tag records that I am also attaching. The car since then had had many other owners ; proving that I dont owe the total amount, first because I made payments, and second because it was sold several times after it was repossessed.
I have call several times the financial company, my calls have been escalated to higher levels with no results, they can not find a bill of sale, my payments or anything related to what they have done with this car after me. This has been going on for years. This financial company put on my credit the full amount plus repo expenses and the same it is happening with a XXXX XXXX that I had just received.
LAST YEAR I RECEIVED A CERTIFICATE OF TITLE ON MY NAME AS IF MY LOAN WAS PAID OFF AND I HAD A CLEAR TITLE OVER THE CAR. I CAN ACTUALLY PROCEED TO FIND THE CAR AND HAVE IT IN MY POSSESION ACCORDING TO THIS CLEAN CERTIFICATE OF TITLE EVENTHOUGH THE CAR HAS A CURRENT OWNER THAT MAY BE FINANCING OR IS ALSO HAVING AN ADDITIONAL CLEAN TITLE.
This is my last attempt to have this matter resolved. This matter is costing me money, time off my work, stress to unimaginable levels because now the matter is with the IRS and I am not willing to pay taxes in an amount that is not correct just due to many clerical errors done by the XXXX XXXX XXXX. When it was on collection I tried to have the amount corrected to be able to make the payments and they couldnt have it fixed either.
Your cooperation in this matter is very much appreciated since time is of the essence because my time it is limited to have this matter resolved with the IRS and again I refused to pay for errors made on your end. I am willing to do whatever it takes to have this issue resolved once and for all.
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4.
I am writing to dispute the account that are currently being reported on my credit report. I initially disputed these accounts due to identity theft concerns, but now I am disputing them because the debt has not been validated within the required timeframe. I do not need to provide further documentation and I am not required to do so.
As you are aware, under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. Furthermore, the FCRA requires that credit bureaus investigate and respond to disputes in a timely manner. The creditor reporting the negative accounts is also required to do this with the same guidelines or they have to delete the accounts and stop reporting.
Not only did you fail to properly validate the debts within the 30-day period, but they also failed to do so within the 45-day and 60-day periods allowed by law. I have disputed these debts multiple times, but the credit bureau has not provided adequate validation for any of them.
According to the Fair Credit Reporting Act, Section 623 ( a ) ( 6 ), " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall ... conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' I have taken the necessary steps to address this issue with you, but your response has been unsatisfactory, and they have acting negligently and not in a timely manner.
Therefore, I believe that you have violated my consumer rights by failing to comply with several federal laws, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. These violations include, but are not limited to, attempting to collect a debt that has not been validated, harassing me with multiple phone calls and letters, and reporting inaccurate information to credit reporting agencies.
I request that you investigate this matter and remove and delete the disputed accounts from my credit report as soon as possible as you are violating 15 USC 1692g. Please. Please provide me with written confirmation of the deletion of these accounts. This is a time sensitive matter and I have already been denied a home loan because of the inaccurate reportings and should this matter not be resolved as soon as possible then I will be taking legal action.
|
| 07/31/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
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Web |
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I leased my vehicle from Lexus of XXXX in the year XXXXThey asked me to find a co-signer and i asked my sister to co-sign with me.At the time of lease, I was not explained the terms and conditions by the salesperson.They just told me that my car loan has been approved by their internal banking by Toyota finance.The lease term was for 4 years.I went to return my vehicle right when the leasing period ends in XXXX.They first refused to take my vehicle because they told me i have driven over miles and they demanded me to pay XXXXI said i am sorry i dont even know why you guys are asking me to pay that amount when i brought the vehicle on time.They said we wrote in the agreement that you will drive for only XXXX miles a year.I mean realistically it is impossible for a working person who owns just one car to be driving only XXXXmiles a year.I clearly told them that i am sorry you guys should have explained the terms and conditions at the time of purchase but they did not listen to me.I tried to escalate the matter to Toyota finance but they put XXXX in my collection.The collection people started reaching out to me everyday during the covid time and they started threatening me and my married sister that if we dont pay we have to bear the consequences.It was at a peak of covid time and I lost the hours at work and literally lost my job because everything was closed and i was living on unemployment benefits.They started sending letters to me and my sister and started calling my sister everyday.I got really terrified because i didnt want my sister to have any family problems because of my matter.Shes married and her husband was not happy that collection people were reaching out to them.I had to end up using my only unemployment benefits money to pay off that $ XXXX/-.I was really harassed and threatened by them and i had to pay $ XXXX at the peak of covid time.My wife hasnt been working from last 8 years due to some personal problems and i have XXXX kids as dependents.According to me it was completely of Toyota finance to first of take {$10000.00} forever miles from a customer when customer was not even notified in advance about the terms.Secondly, they recovered the amount by threatening me and my sister at the peak of covid time when i could use that money for me and my family.Due to this we suffered a lot for so many months.I would request the Consumer affairs to help me recovering my $ XXXX back because i was no where responsible to pay this amount.I was completely tricked by Lexus of XXXX and i am looking for a compensation for harassing my family at the peak of XXXX times and made us struggle through out the covid with limited funds to survive.
My account number with the Toyota Financial Services is : XXXX
|
| 04/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
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On XX/XX/XXXX of XXXX I called XXXX Toyota in XXXX XXXX, MD to lease a XXXX XXXX XXXX. After negotiating with the XXXX on the phone and agreeing on the terms for the specific model I wanted, I agreed to come to the dealership to sign the paperwork and take delivery of the vehicle. My daughter and I arrived at the dealership around XXXX pm. We waited several hours before we could be seen by the XXXX because he was helping a bunch of other people with their purchase. Once he finally got around to us, and we went to the finance office to sign the agreement, the XXXX told me he could not honor the rate he quote me on the phone because my credit score wasn't high enough. The rate he offered me significantly increased the monthly payment on the vehicle I wanted to lease. So he found a different vehicle that would get me closer to a monthly payment that worked for me. It was almost midnight by the time I signed the paperwork and left the dealership.
Upon reflection of the series of events that transpired on the evening of XX/XX/XXXX and after reviewing the lease agreement, I discovered numerous Truth in Lending Act ( TILA ) and Fair Debt Collection Practice Act ( FDCPA ) violations. In the affidavit of Truth I attached I only outlined the TILA violations that were committed. The managers failed to provide me with the proper disclosures required by TILA. For example, the XXXX was suppose to disclose to me that I had the option of having the auto insurance included in the finance charge or pay for insurance out of my own pocket. They also failed to disclose my right of rescission and provided me with the form to rescind the agreement. However, my biggest grievance with the agreement is the fraudulent and deceptive nature of the agreement itself. I AM the original creditor and I granted the right to the creditor to extend my credit back to me. They had me believe I owed a debt when in fact I did not owe a debt. According to TILA, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. According to Maryland state law the warranty company offers warranty products to a consumer is suppose to be registered on the state 's website. The warranty company XXXX Toyota uses is Guaranteed Automotive Protection. They are not listed on the state 's website as a registered warranty company. This is another violation.
On XX/XX/XXXX I sent a Affidavit of truth via certified mail to Toyota financial Services informing them that I was exercising my right to rescind the agreement.
|
| 08/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! _____________________________________________ Auto Dealers?
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX _____________________________________________ XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX
|
| 06/22/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I leased a XXXX XXXX XXXX at XXXX XXXX in XXXX, Washington on XX/XX/2021. I have had many new XXXX model vehicles. At the time I leased my XXXX, I paid the first lease payment prior to delivery.
By the end of XX/XX/2021, I had not yet received any account information by mail from TFS. I started to call Toyota, and received the typical unhelpful customer service. Nobody could help. Nobody could find the vehicle. No account existed. I was referred back to my leasing dealer.
My leasing dealer continued to fail to do their part to get my account finalized with TFS. They told me I should make my second payment ( due XX/XX/2021 ) with them and they would send it on to TFS. I did so on XX/XX/2021. At this point, I had made two payments toward my XX/XX/2021XXXX lease.
I continued to call and continued to receive unhelpful and/or downright rude customer service from TFS and its first level customer support representatives.
Finally, after getting fairly assertive about my account with both TSF and XXXX XXXX, TFS created my online account on XX/XX/2021, just a few weeks short of my third payment due date.
As soon as I learned the account was created, I logged on. Unfortunately, I saw at this time that my account was two weeks past due for reason that my second payment of {$590.00} had not been credited to my account. I immediately made a third payment toward my lease ( This should be the payment which is due on XX/XX/2021 ).
I began calling again. TFS agents hung up on me, told me to just pay another payment to avoid a problem, and generally gave me the same dumpster fire-level customer service that has become the norm. I was referred back to my original leasing dealer, XXXX XXXX.
XXXX XXXX response ( through their finance Director ) was to give me the back end telephone number for TFS Dealer Financing department, their dealer code, and tell me to contact TFS.
I called the TFS Dealer Financing Department and reached a person named XXXX. He was alarmed that a dealer gave me the back end telephone number and code to reach him, offered no assistance, and created a report of the incident presumably directed at the dealer.
I next called TFS customer service and demanded a supervisor. I received one. I explained this situation yet another time, and was told I needed to fax my banking information and receipt over to TFS. I am now doing so. I demand you fix this issue and resolve my account so that I am not doing all of the work for TFS, Toyota Motor Co., and XXXX XXXX. To date, Ive done more work on this than any of these parties and Im the customer. I have paid 3 payments already. My account should reflect such.
Please help me fix this since I appear to not be making much headway.
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| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Back in XXXX, XXXX I was told that after I made my settlement payment of {$1700.00} on XX/XX/XXXX to Toyota Financial Services for my Toyota Motor Corp account that their dispute group will remove this account from my credit report but once they recieved my payment they did not do anything. I called Toyota Financial Services numerous times and wrote numerous letters of explanations, good faith letters begging and pleading to them to please honor what they said and remove this negative account from my credit report because m currently facing financial hardship due to the XXXX Pandemic. I am XXXX Positive Im very sick and I need to downsize and move into an affordable new apartment ASAP, but this negative account charge off is affecting my credit report negatively and is preventing me from getting an apartment approval. I've spoken to different supervisors at Toyota Financial Services and even they sent emails to their dispute department on my behalf informing them of my current hardship due to XXXX and my request to have this account remove. Prior to making my settlement payment I spoke to Toyota Financial Dept. Collection a XXXX XXXX XXXX XXXX managers numerous times regarding my account they was handling Toyota and I was told this account be removed from credit report. I ' very hurt that Toyota Financial and their dispute group refused to help me. It's like once they receive my settlement payment they did not care about what anything else. I feel it's not fair that I have to suffer for 2 long years I struggled to pay my Toyota account due to financial hardship. Now that I finally settled this account with them they refuse to honor their request and remove this negative account from credit report. I reached out to Toyota Corp office pleading for them to help me. I even reach out to all three credit beau 's I did numerous disputes against Toyota Financial but they could only help s little because Toyota denied each dispute. What am I suppose to do now I can not get any apartment approval or credit credit approval or a home loan approval because of this negative account showing on my credit report. Even though I paid Toyota Financial what I could they refuse to show Empathy and help me during my financial hardship due to XXXX. I've been a Toyota Financial Client since XXXX my account was in good standing until I had an unexpected car accident on XX/XX/XXXX that caused me to total my car and my GAP Coverage Insurance did not cover my full total loss balance which caused me to have outstanding dept with Toyota Financial. This issue ( negative account on my credit report is ) is preventing me from moving forward in my life because I can not get an apartment approval and I must move ASAP.
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| 02/05/2018 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX, after 36 months of payments, I returned my car at the end of its lease to XXXX XXXX in XXXX, Nevada, and exchanged it for a new one. The dealership asked for both keys for the car I was returning. I said I only have one because the other one was stolen. The dealership asked whether I could produce a police report. I said yes and sent them a police report clearly showing the XXXX key among the items stolen. The police report is attached. They asked if I was reimbursed for this and I said no because my deductible was too high. The dealership ( XXXX and/or XXXX ) said that would be fine not to turn in the second key as I had a police report, and that all was taken care of. The car was returned in pristine condition and no other fees were charged to return the car.
Several weeks later, in XX/XX/XXXX, I got a bill from Toyota Financial for {$400.00}. I called Toyota to ask what this is for, and was told it was for a missing key. I explained the above situation to them, and they said fine, thank you. I returned the invoice to them with a note repeating the above as well and thus do not have the original invoice to give you. For the second time, I thought the matter was done.
But no. I subsequently got a call from the dealership in perhaps XX/XX/XXXX saying that Toyota did not waive the fee after all, and they felt bad about that, and would I like to split the cost with them? I told them no, that the cost of a key to XXXX was nowhere near {$400.00}, that the new owner already had their new key, and they needed to honor their deal as part of my taking on a new car lease.
In addition, {$400.00} is also grossly inflated. The value of the key at the time it was stolen ( XX/XX/XXXX ) was reportedly {$220.00} according to the XXXX dealer ( invoice attached ) plus {$65.00} to rekey.
I am now getting threats of collection from Toyota ( letter attached ). I have emailed Toyota through my account on their website and told them if they do not honor their agreement to waive the fee for the missing key, which clearly does not cost them anywhere close to that, that this would be the last car any of our family buys or leases from Toyota or XXXX. I told them hassling me over a missing key is not a way to take care of customers who have made thousands of dollars of lease payments on time for nearly four years now. I have not received a response. I can't believe I am wasting your time and mine over a key after now four years of on-time lease payments, but here we are.
I would appreciate your intervention in getting Toyota to honor the dealership 's agreement to waive the fee for the missing key and stop hassling me with threats of collection activity. Thank you for your help.
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| 05/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XXXX XXXX , 2017 I contacted Toyota Motor Financial Services because nega tive reporting appeared on my credit report. I am a cosigner on my step-daughters loan and apparently in XX/XX/XXXX / XX/XX/XXXX h er payments were late. She is in the XXXX and had set up auto-payments while out to see, but due to bank account issues her payments did not go through, unknown to her. I was never even provided the courtesy of contact by Toyota Financial in order to have an opportunity to make the payment s and prevent the negative reporting, nor was I ever notified a negative report had been made. I discovered it myself during an annual check of my credit repo rt. ( Comically, during my phone call with Toyota, they advised they had attempted to call me 2-days befo re but left no message - I have no record of a call and even at that it was way AFTER the late payments had appeared on my credit report. ) This does not demonstrate compliance with this section of the code : 623 - 15 U.S.C. 1681s-2 ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnis hes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. When I discovered the negative reports on XX/XX/XXXX , and contacted the company, I was advised to write a dispute letter noting that I was the cosigner and had never been contacted to make a payment before th e 30-day delinquency, nor even notified that not just XXXX , but XXXX negative reports had been made on my credit. I wrote a 2-page letter only to receive an auto-reply form letter dated XX/XX/XXXX , stating the information was correct. ( see attachment ) The reply did not even ad dress the points I brought up regarding non-notification. To-date, I have still not been officially notified by Toyota of the negative consumer reports they sent to the credit bureaus in my name. I had also asked to receive monthly billing statements addressed in my name as a duplicate of what they mail to my step-daughter and they have failed to address that request as well. My question is how can the Creditor hold the Co-signer responsible when I was never afforded the opportunity to be aware of, much less resolve the issue. My XXXX credit score h as plummeted more than XXXX points from this specific issue. Is that really the way to treat a loya l Toyota customer of 40+ years? Is this truly legal?
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| 11/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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I purchased a vehicle from Toyota within three days. I had a major malfunction, and when I took the car immediately back to the dealer, they told me that I had to take a rental, and that they would fix the problem service called me and told me that they could not legally allow me to drive that car because it had an engine issue so I called the car dealership and I told them that I needed a vehicle. I needed them to correct the situation because they sold me a lemon or I was going to get my lawyer involved Two weeks goes by they called me in to the car dealership. They tell me theyre going to make the situation better and theyre going to fix it. They waste my time the first time the second time I come back and they told me that they were going to get me a new vehicle because again the first vehicle that they had sold me and did a loan on and all of that had a major engine issue and I could not have that vehicle so in order for them not to have to deal with a long drawn out legal process they were going to get me in another vehicle. I wanted to make sure that the vehicle that they got me in came with the same warranty as the first contract because the XXXXst vehicle that I purchased from Toyota had a two-year warranty. They assured me that it did the only difference and this new contract was that I was going to have to get gap insurance because it was a newer car well lets go to three months and after that, Ive had my car for three months and then I get a call from Toyota in XXXX is now telling me that I have to add a {$200.00} a month warranty to my vehicle Because they lied when they got me in the the second contract and never had a warranty on it to begin with so now they want my already high car payment to go up {$200.00} a month and I cant afford that so I let them know when I went to the car dealership what my budget was it wasnt my fault that they sold me a bad vehicle when I came back to figure out if I needed to pursue legal action .They assured me they would fix the situation sold me a vehicle and lied about the warranty the 2nd vehicle they sold without the warranty I was told and assured my used vehicle would come with They continue to try to XXXX me over. three months down the line by demanding I come up with like a {$3000.00} for a warranty or an additional {$200.00} a month but I can not afford. Ive called Toyota Ive called corporate. Ive called the car dealership they have service call me and explain to me that I dont have a warranty and that I need to go ahead and establish that I dont know who else to complain too. I wouldnt of agreed to a car note and warranty note I can not afford and then I have no one to complain or help fix this situation at Toyota
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| 05/11/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : TOYOTA MOTOR CREDIT XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX
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| 08/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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When my vehicle was repossessed in XX/XX/2017 the remaining balance was {$8000.00}. This balance was reported to my credit bureau reports by Toyota. It is the law that the towing company is not to disturb the peace when coming to pick up the vehicle. The whole time the towing company was here which was at XXXX XXXX. and for at least 15 minutes as they were struggling to secure the vehicle, they had their high beams shining in my neighbors window. In addition, they banged down my door as hard as they possibly could for a good amount of time. The two guys from the towing company furthermore were extremely rude not that I expected anything more. They are supposed to give you the opportunity to get your belongings out of the vehicle before taking it which they did not do, instead they peeled wheels and sped off again disturbing the peace. The towing company was at least an hour from where we live which we feel was Toyota being vindictive towards us. My wife and I had to schedule an appointment to come and puck up our belongings from the vehicle. When we got there we found all of our stuff in a trash bag very carelessly thrown together and therefore as a result a lot of our stuff was broken/damaged. There is a law in place which states that we are to be notified of the time, as well as place that the vehicle will be auctioned in the event my wife and I wish to participate in it. Toyota neglected to notify us of this information. I instead received a phone call from a collection agency collecting on behalf of Toyota for the amount that was owed at the time of repossession. I asked the representative if the vehicle had been auctioned off and I was informed that in fact it was. I advised the representative from the collection agency that it is the law that Toyota is to notify me of the time and place of the auction and she agreed with me. I asked to speak with the supervisor of the collection agency and in formed her of my situation. The supervisor thought something very suspicious was going on and she was going to investigate the matter as to which I expressed my gratitude for. I told her I also wanted to know how much the car sold for at auction. I eventually heard back from the supervisor who advised me that the car sold for {$17000.00} which covers my remaining balance and then some. I was advised by the representative that I still owe the {$8000.00} which she did not feel was justified but that it was just what Toyota was informing her. I have tried to no avail to dispute this with all three credit bureaus numerous times. I have also spoken with the executive office of Toyota, they will however say anything and everything to make their actions/claims appear valid.
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| 02/13/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am not an attorney. This is regarding my personal consumer file and my federally protected rights as a consumer according to the FCRA and FDCPA. I assumed the vital role of my life/consumer file and opted to request a debt validation from Toyota Motor Credit sent on XX/XX/XXXX and received by them on XX/XX/XXXX. Not only have they actively ignored my request for validation and exceeded the 30 days I gave them to provide validating documents, but they've also disregarded my Cease And Desist letter and continue to communicate with me by furnishing negative items on my consumer report as well as through other mediums. I still haven't received a response and as of today XX/XX/XXXX it has been 159 days later. I gave them more than enough time to find what they could muster up. I expressed in both pieces of documentation that if they were not going to validate the alleged debt ( rather than verify it ), then they were to delete all references regarding the alleged account and completely remove them from my credit file. I expressed that during the validation period, pursuant to 15 USC 1692c ( c ), that all collection activity must cease and desist. They have continued to demand money from me and threaten me with negative/false consumer reports even though I never gave them permission to use my personal private information to report anything to any consumer reporting agencies. My Social Security Card is considered a credit card according to 15 USC 1602 ( l ). My consumer credit transaction with them involved my credit card. As stated in 15 USC 1681 a ( b ), any authorization or approval deriving directly or indirectly from a credit card should be excluded from a consumer report. Also, any obligation authorized through a credit card is an obligation assumed by, and deferred to, the United States according to 18 USC 8. Further evidence that the alleged debt does not belong to me. 15 USC 1692g ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. Toyota Motor Credit has violated me in many more ways and are ruining life opportunities for me by consistently reporting fraudulent and inaccurate information. You will see in the pictures that I include that they quite literally report the same monthly payments as both on time to some agencies and late to others- clearly inaccurate and false. I am demanding that they either reflect positively on my consumer files or completely remove themselves from any and all files associated with the characterization of my credit. As well as monetary relief as outlined in my documentation, and the title to my vehicle lien-free .
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| 12/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- High-pressure sales tactics
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Web |
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First of all I am very glad to have your office which investigates the violations caused by big companies such as Toyota motor corporation which deceives millions of customers by selling defected cars as the results millions have been affected by the fraudulent tactic of dealers at care sales.
I have purchased XXXX XXXX XXXX in one of the XXXX dealership XXXX XXXX Minnesota in XX/XX/2018. six days after I purchased the vehicle, I have found out that the van I bought has a big mechanical problems. it does not accelerate as it should, noisy engine, consume gas more than it should. I reached out to the dealers and addressed the safety issues the car had. they advised me to bring the car for inspection. They checked and told me that the car did not have any problems and you should drive it. I then picked up my car and immediately after two days the same problems happened with the vehicle, it does not accelerate in a busy highway which is very concerning. the drives from the back can hit me or able to involve in the accident due to the fact that the car does not accelerate faster even if given gas. I have addressed the issue for the second time and request the dealers to change this car for me with out trading options because it is only less than a week ( 6 days ) after purchase for {$27000.00}. they said we can not exchange the car with out trade and you have to trade. I informed them that I could may not get approved from the bank and please help me to exchange this vehicle as it was not operating well and is dangerous to drive on the road. I then called Toyota financial services who loans the car and talked about the dealership experience. They also told me to contact dealership for resolutions as I purchased car from them. I contacted again if they able to help me with car exchange not putting trade on the table because this is strange to have a car which has only XXXX miles and inspected by dealer and I should return this vehicle back. XXXX XXXX XXXX used car manger who could able to solve the issue said to me that we can not help you with exchange even though the car is defected and said to me that you are responsible for the car payment. I gave up and left the dealership and have been divining the defected vehicle which is a safety threat to me and my family as of today. Toyota financial services and car dears has denied my request ignored me when they realize that the care is not safely operable in the high way and they still insist that the car is safe which I do know is not safe to drive. I have therefore, paid {$27000.00} and not been happy with my car and have been very frustrated and concerned so much about safety of me and my family.
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| 08/24/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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XXXX afternoon. I need your help. I am having issues with Toyota Financial Services. I 've leasing vehicles since XX/XX/XXXX, with no any problems, sin I authorized the Bank to take recurrence payments, this way never I was going to be behind. The situation started sinceXX/XX/XXXX, when I went to the dealer to returned my old Rav 4, XX/XX/XXXX, with only 10,000 miles. The last monthly payment for this old account was withdrawal by Toyota Financial on XX/XX/XXXX, {$350.00}. At the end of XX/XX/XXXX I brought to the dealer my Toyota Rav 4,XX/XX/XXXX, Acct. # XXXX XXXX XXXX. I got my new vehicle Toyota Camry XX/XX/XXXX, same payments, same due date. The problem started here. Toyota Financial withdrawal onXX/XX/XXXX, {$350.00}, and instead to apply this payment to my new vehicle, Acct. # XXXX XXXX, the bank applied this payment once again to the old account for the vehicle that I returned at the end of XX/XX/XXXX. The dealer took care of the paid off, having XXXX balance. I sent via Certified Exhibits to the 3 Major Credit Agencies, since Toyota Financial sent a bad report against me, stating I was behind sinceXX/XX/XXXXup to XX/XX/XXXX. I submitted Exhibits showing receipts from Toyota Financial, statement from the bank and also Ref. # to prove that the bank is incorrect and I am correct. The 3 Major Credit Agencies contacted Toyota Financial Services, after the confirmed that I am correct and not behind, also asking the bank to apply theXX/XX/XXXX to my right account, since the bank applied that payment to my old NON existent account. This bad record was removed on my behalf. However Toyota Financial, just sent me a new bill for {$730.00}. I called 4 times, discussed this matter with 4 customer services, the names, XXXX XXXX other with ID XXXX they put me on hold never came back, every one have different statements, that I did not pay XX/XX/XXXX, I advised I 've the letter from Toyota Financial as receipt of my payment, the last one says I did not pay XX/XX/XXXX, I advised her I submitted to you guys Exhibits of each payments to my new Acct. she said we do not have nothing. Toyota Financial promised to the 3 Major Credit Agencies to update correctly the mistake, did not, because sent me a huge bill asking me to pay XX/XX/XXXX andXX/XX/XXXX $ XXXX, I paid XX/XX/XXXX already, the payment electronically has been submitted by XXXX XXXX, Toyota Financial received the payment onXX/XX/XXXX {$350.00}, XX/XX/XXXXpayment has been paid, and Toyota Financial still having it, refusing to move that payment to the right new account. I 've Exhibits, from XX/XX/XXXXup toXX/XX/XXXX, payments that Toyota Financial has taken and refused to upgrade my account.
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| 10/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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In XX/XX/XXXX I have purchased new XXXX XXXX XXXX and thus entered into a retail installment contract ( RIC ) with the dealer that governs the financing arrangement for the vehicle, which the dealer assigned to TMCC. When I purchased the vehicle, the dealer offered " gap '' protection in exchange of a specific payment. At the dealership I was informed that gap protection in " designed to cover the difference between what my insurance will pay and what I actually owe if the car is totaled, or the difference between what I owe and what my var insurance in willing to pay for it. TMCC describes gap protection as a product that '' will waive or pay the deficiency balance '' if the customer experiences a total vehicle loss. TMCC 's gap protection came in the form of a written standardized addendum to the RIC. Pursuant to the terms of the GAP contract, TMCC agreed to waive a borrower 's remaining liability to TMCC for any balance under RIC that is over and above the Value of the Vechicle as determined by the physical damage. My new Toyota XXXX XXXX XXXX Hybrid was financed through TMCC for a total amount of approximately {$40000.00} and I paid some additional charge of XXXX at the dealership. On XX/XX/XXXX my vehicle involved into a car accident and my primary insurance deemed my vehicle a total loss and paid to TMCC, the lien holder of my car, {$19000.00} as the value of the vehicle at the time of the accident. At that time I owed TMCC {$26000.00} for the vehicle under the RIC. TMCC refunded me {$1700.00} for the unused portion of the prepaid maintenance ( PPM ). Thus, there is a {$4800.00} " gap '' between the {$24000.00} I owed to TMCC under the RIC and the " actual cash settlement '' from XXXX in the amount {$19000.00}. Contrary to the terms of the GAP Contract, TMCC did not waive my liability for the {$4800.00} " gap. '' Instead, TMCC waived {$3300.00} and notified me ( with threats to report to credit reporting agencies ) that I was liable to TMCC for the remaining {$1500.00}. TMCC 's refusal to waive the full amount of the " gap '' on my vehicle is contrary to the express terms of the GAP contract. TMCC 's refusal to waive the full amount of the " gap '' and threats has caused me pecuniary damage. Upon my belief, TMCC 's interpretation and construction of the GAP Contract between me and TMCC is uniform and consistent with how TMCC has interpreted and construed all other GAP Contracts it sells. The GAP Contract was drafted, prepared, promulgated and sold by TMCC and as such, any and all ambiguities in the GAP Contract must be construed against TMCC. This is my belief that TMCC has engaged in deceptive and unconscionable trade practices.
|
| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
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Web |
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My wife and I entered a lease agreement on XXXX XXXX, 2021. We leased the vehicle at XXXX XXXX XXXX in XXXX XXXX XXXX Florida. We were told at the time of the lease that XXXX XXXX XXXX ( XXXX ) would be handling the lease process. XXXX is named as the Lessor on the agreement we signed. We later learned that the incorrect address was entered on the lease agreement. We learned this when we received our plate and registration. We called to dealer and the State of Florida to update in XX/XX/2021.
We tried calling XXXX and they told us they had no record of the lease and said it may take time for the lease to be entered in their system. So we waited. The dealer told us they fixed the address on their side.
Since the address was incorrect and the Lessor name where both incorrect on the lease agreement we did not receive any correspondence from the Lessor. It was not until a late payment notice went out to XXXX that we learned another company may have our lease. We contacted the dealer to find that XXXX was not the Lessor, but XXXX XXXX XXXX.
We called and explained the issue to Mazda saying : 1. The address was incorrect on the lease.
2. The Lessor info was incorrect on the Lease Agreement.
3. Mazda maintains they called but where unable to leave a message. This can not be true since the number they have on file is a work number. This VM is monitored regularly.
We corrected the issues as soon as we knew the parties. We asked that Mazda remove the late payment submission to XXXX. They said we would need to file a complaint.
We are only asking that Mazda remove the negative information from our bureau reports. This reduced our credit score by 89 points and ruins a blemish free 7 or 8 year track record.
Does Mazda not conduct even basic due diligence on their new consumers prior to entering a relationship? I understand this due diligence is an industry best practice. A simple look up of our information on any public records database would have revealed that the address was incorrect. In fact a typo had been entered from XXXX ( correct address ) to XXXX ( incorrect address ). Would they not have done any due diligence when the first payment was late?
The incorrect address is an address that does not exist. This means that USPS would have returned the mail as undeliverable. Again a simple look up of our information would have revealed the incorrect information had been entered. Would they have not called the numbers listed on the agreement? Or made attempts to contact me?
Since the Lessor info was incorrect we had no avenue to get this info updated.
Please feel free to contact me directly at XXXX or XXXX XXXX
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| 11/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
|
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Web |
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On XX/XX/XXXX I called Toyota Motorcredit in reference to an auto loan that I had defaulted on. Prior to my default, I had made consistent payments for approximately 30 out of the 60 month loan agreement. I had a house fire XX/XX/XXXX that claimed my home that I was currently renting as well as all of my familys personal belongings. We left what was left of the home with the clothes on our backs. My daughter XXXX and was admitted to XXXX Hospital for XXXX. This incident made XXXX XXXX XXXX XXXX ( PA ). On XX/XX/XXXX, Tragedy struck yet again.. I was traveling XXXX in XXXX County, PA when I was XXXX ... the end result ... XXXX..Thankfully everyone walked away with XXXX due to the fact that I maintained a safe speed during the accident. Insurance company was going to total the vehicle, After explaining that I was unemployed and currently recieving unemployment, they made the decision to repair the vehicle under the stipulation that 1 ) They pay for 30 days of rental coverage and anything thereafter, I would be responsible. This is when all of my financial troubles began. I did infact hide the car because it was all I had left. My intention was always to pay for my car..but when one month turned into three ... then six ... etc ... I was just too far behind to catch up on my payments which were {$530.00} monthly. At the time I purchased this car I was employed with XXXX XXXX XXXX and made almost {$20.00} hourly so it was affordable ... until I lost my job. XX/XX/XXXX, I used a combination of my school refund check ( XXXX University ) and my income tax from a XXXX. When I made the phone call to Toyota, I was transferred to a different department where I spoke to a female named XXXX, I was never informed that the vehicle had been charged off. She asked how much money I had and I told her XXXX ... We agreed on that amount being sent via XXXX to settle the debt. I was offered the settlement via phone and now it is not being honored. My credit Report reflects that I still owe {$1900.00} and they are refusing to release then title of the vehicle to me. I also was not given the mini-miranda. I need my settlement to be honored and my title to be released to me. I made XXXX % of my payments to Toyota via XXXX and have ALL of my receipts including the final of XXXX. However that payment was split into XXXX as I was advised by the representative that I spoke with to do XXXX for $ XXXX and XXXX right after for $ XXXX. I did exactly what was asked of me to no avail of them holding up their end of the settlement deal. This debt reflects on my CR as a " charge off '' and does not reflect the $ XXXX payment that they recieved on XX/XX/XXXX.
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| 03/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Im writing to dispute the XXXX record of a Toyota Motor Credit Corp report, reference # XXXX, of which the XXXX XXXX was in a accident around XX/XX/XXXX. The vechicle was fully covered by XXXX at the time of the accident. The insurance company deemed the car to be totaled. I notified the Toyota Motor Credit Corp about the accident with the claim number assigned by XXXX. Then I was told by Toyota Motor Credit Corp that I did not have to worry about any upcoming monthly payment regarding to that account. I also confirmed with Toyota Motor Credit Corp representative that there was nothing I need to do and all the matter would be settled between Toyota Credit and XXXX. With that being confirmed, I went to XXXX as pre-scheduled. However, when I called Toyota Motor Credit Corp again in XXXX to make sure the matter was settled, Toyota Motor Credit representative irresponsibly stated that they did not receive the payment from the insurance company. So I contacted the insurance company while I was in XXXX to address this issue, XXXX representative told me that Toyota Motor Credit Corp did not contact them. As a result, XXXX did not know how to send the payment. I was confused and stressed, for this issue should have nothing to do with me at this point. However, sadly, I could do nothing but to beg the Toyota Motor Credit Corp representative to contact the insurance company to offer XXXX the information. I then stayed in XXXX for my own business until XX/XX/XXXX.
When I returned to the US, I received a letter from Toyota Motor Credit Corp that asked me to pay {$500.00}, which I immediately payed Toyota Credit. According to the Lease agreenment Toyota need to notify me in person for unusual circumstance. I did nothing wrong in this whole process : I paid my dues, reported the situation immediately, notified both parties on time, and the only information I had was being notified that I had nothing to worry about. It is certainly the fault of Toyota Motor Credit Corp and the insurance company for not contacting each other in time. I had no idea about the {$500.00} extra payment until I got home. I still paid it immediately when I got the notification. However, Toyota Motor Credit Corp now has reported to the credit bureau for c/o ( charge off ) every month up to now ( XX/XX/XXXX ), which is unfair and unlawful. I have evidence for everything I have stated above, and Toyota Motor Credit Corp should also have record of the phone calls. Therefore, once again, I sincerely hope that Toyota Motor Credit Corp would help me resolve the unfair treatment I have been through. I will definitely fight for the rights I deserve.
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| 09/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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My original complaint was complaint number XXXX-XXXX. I had written in response to a XXXX form that I received without being able to get information regarding the reason I was receiving it. I have reviewed the response from Toyota but it raised some additional questions.The response from Toyota along with the history provided indicates that I purchased a Toyota XXXX on XX/XX/XXXX, then on XX/XX/XXXX the car was repossessed and then charged {$2000.00} in repossession fees and if I am reading correctly sold for {$530.00}. Then according to the response I was provided with some legally required notices however I do not see these attached. Again according to the response my account was charged off on XX/XX/XXXX, and in continued to make payments according to the history provided. Then starting in XX/XX/XXXX the payments up until XX/XX/XXXX are applied to interest which seems odd if the account was charged off. Neither I or the co-signer have seen these letters from XX/XX/XXXX that were attached. We continued to make payments on the account and then the letter states that Toyota ceases to attempt to collect the debt in XX/XX/XXXX. I have not heard from, received a letter from, spoken to Toyota in years. I purchased and financed a new Toyota XXXX in XX/XX/XXXX. I purchased a home, got a mortgage, and purchased and financed multiple cars over this period. Now in XX/XX/XXXX I receive this XXXX, however I no longer have any documentation to try to affirm the amounts due or paid as it has been 14 years since Toyota says they charged the account off. While in the letter it states attempt to collect this debt ceased in XX/XX/XXXX, but is there any evidence of collection activity occurring, or when was it that the last collection activity occurred? How would I be able to verify that if this XXXX is correct, that it was issued in the correct year, account was charged off per Toyota in XX/XX/XXXX, and in the history it appears the car repossession charges that start from XX/XX/XXXX, but then the car is sold in XX/XX/XXXX and the 2 year old car was sold for {$530.00}. The whole timeframe somewhat baffling. It just seems based on this timeline it would be really remarkable for me to have the records to verify or respond to this. There is no reference of this account appearing on either my or the cosigners credit report. It never came up as an issue when I bought a home in XX/XX/XXXX, or when I purchased a Toyota XXXX in XX/XX/XXXX. I just don't understand how I could have addressed it if there was no contact or info for me to respond to, if nothing the XXXX should have been issued in a different time period.
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| 11/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Subject : Urgent : Continued GPS Malfunction in New XXXX XXXX XXXX - Seeking Resolution Dear CFPB, I hope this message finds you well. My name is XXXX XXXX, and I am writing to bring to your attention a concerning issue I have been experiencing with my recently purchased XXXX XXXX XXXX
In the first month of ownership, the GPS system in my vehicle ceased to function entirely. As the vehicle is still well below XXXX miles and covered by an extensive warranty, I promptly contacted Toyota for assistance. Regrettably, the initial response was inconclusive, and I was charged for a diagnostic examination despite the persistent malfunction.
Seeking additional insights, I discovered through online forums, particularly XXXX, that numerous fellow XXXX XXXXXXXX XXXX owners have reported an identical issue. The consensus points to a faulty antenna within the Head-Up Display ( HUD ) unit, unique to the XXXX XXXX, which does not bypass the phone signal. This poses a significant safety concern for me as the primary user of this vehicle, especially given that it is a family car with a newborn on board.
During my initial contact with Toyota, I was informed off the record that the company is aware of this widespread problem. However, I was disheartened to learn that the potential cost of a recall has dissuaded the company from taking proactive measures to address this critical safety issue.
Subsequent interactions with Toyota representatives have provided conflicting explanations, including an assertion that the problem may be linked to my phone, which is demonstrably not the case as the phone functions seamlessly once disconnected from the car. The latest communication from the dealership suggests that a forthcoming software update will address the issue, but I am concerned that this resolution may be insufficient.
Given the safety implications and the persistence of the problem, I am reaching out to seek your assistance in resolving this matter promptly and comprehensively. As a consumer who values the Toyota brand, I believe in the importance of maintaining the highest standards of safety and customer satisfaction.
I kindly request your intervention to ensure that my concerns are thoroughly addressed, and a viable solution is implemented without further delay. Additionally, I am open to discussing this matter further and would appreciate the opportunity to speak with an appropriate representative to provide additional context and details.
Thank you for your attention to this matter, and I look forward to a swift and satisfactory resolution.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 05/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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I have a vehicle loan with Toyota Financial with a payment due date of the XXXX of every month.
XX/XX/2021 - I was 26 days past due on my monthly payment and requested the payment for the month be extended to the end of the loan. I spoke with a customer service representative named XXXX. During the call, XXXX told me that she would check to see if I was eligible to extend the payment. After checking, she came back and told me that I was approved. I do not recall her telling me that she was emailing me something to sign, but according to Toyota, she did. What she did not do was tell me that I had to have the document back before the extension was actually official and that if I didn't have the document back before the next payment, a 30 day negative report would be reported to the credit bureaus.
During the call I specifically asked XXXX if the account had been reported negatively to the credit bureaus, she confirmed that it had not and I explained that I was glad and that I didn't want that to happen. Even at that time, the representative did not explain that the extension was not complete and that I needed to have the signed document in before it was.
At the end of the call, based on information given to me by the representative, I was under the impression that the extension was granted and I was not at all aware that if was not final until the signed document was submitted.
I did not sign the document until around XX/XX/2021. A couple of days later, I got an alert that something happened with my credit score, upon looking, I saw that I had a negative report from Toyota.
I called Toyota and told them that I did not recall the rep ever telling me that I had to sign the document, and that I know she did not advise me that the extension was not final until they received the signed document. She DID tell me that the extension was approved.
I have requested that Toyota remove the negative report since they told me the extension was approved, not conditionally approved. They have declined to change the report.
On XX/XX/2021 I asked for the recording of the call. On XX/XX/2021 I called and spoke with a representative named XXXX and he told me that Toytota had the recording, but I could not have a copy of it, nor would they let me have a transcript or allow me to listen to the call.
I believe Toyota was wrong for the negative reporting, since they APPROVED the extension on XX/XX/2021 and did NOT tell me that it was not approved until the document was signed.
I would like the negative report removed and I would like to hear to the phone conversation or have a transcript.
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| 10/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Investigation took more than 30 days
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Web |
Servicemember |
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I respectfully request an Investigation on the automobile manufacture Toyota, CEO XXXX XXXX, CEO XXXX XXXX, and CFO XXXX XXXX as I have been complaining to Toyota in reference to their possible deceit with their vehicles reported Miles Per Gallon ( mpg ) and fuel efficiency. I am stating that Toyota is possibly falsely marketing and advertising that their cars are getting a higher miles per gallon than they are actually getting, possibly conspiring to commit fraud against me, and the United States Consumers, possible Wire Fraud and Violations against the Clean Air Act, possible collusion, possible Obstruction of Justice and Importation of goods through false statements, also possible Predatory, Deceptive and Unfair Trade Practices, to include fraud, forgery, and perjury.
In their letter to me, dated XXXX ( attached Exhibit 1 ), through the statements of the Toyota Attorneys XXXX XXXX and XXXX XXXX, they affirm that the Toyota on-board computer was reading ( XXXX mpg ), which is almost 16 miles per gallon more than what the vehicle was actually getting and the marketing of the miles per gallon in this vehicle. In this letter, they showed pictures of what the on-board computer was displaying, then copies of what the actual miles per gallon received, which was XXXX mpg ( Exhibits 2, 3 4 Gas Receipts dated XXXX ). That is almost a 16 miles per gallon difference, proving the possible felonies above.
I sent Toyota 2 letters ( attached Exhibits 5 and 6 ) complaining about my low gas mileage that I was getting in the new Toyota XXXX XXXX XXXX I bought from Toyota above. I have been complaining to Toyota since I first received the XXXX car in XXXX about the low miles per gallon, which I was receiving about 50 % less mpg ( about 37 mpg ) than what was told to me by the Sales Manager and General Manager from XXXX XXXX XXXX XXXX XXXX XXXX ( 65-69 mpg ). I had called the Sales Manager over 10 times requesting advice on how to get the gas mileage that he and the General Manager had promised me, along with the XXXX XXXX ( attached Exhibit 7 Window Sticker ) which was the only reason why I bought the car. The XXXX Label was at least 10 miles per gallon higher than the actual miles per gallon received. This in itself may be predatory trade practices. I took my Toyota to the XXXX XXXX XXXX XXXX dealership on 3 occasions speaking with the service manager XXXX XXXX for the service department to check the electric motor and batteries to determine if there was a problem. At each inspection, the result was the same : The vehicle is in perfect working condition as it was meant to work and operate.
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| 07/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I sent to Toyota Motor Credit Corp a billing error notice on XX/XX/2022 evidenced by tracking number XXXX XXXX XXXX XXXX XXXX. Toyota Motor Credit Corp never responded to the billing error and 2 complete billing cycles went by and consequently Toyota Motor Credit Corp forfeited the amount indicated in the error. However, Toyota Motor Credit Corp repossessed my vehicle and ultimately violated Federal Consumer Law. Toyota Motor Credit Corp is defined as a covered person that engages in offering and providing consumer financial products and services to Consumers consequently, they are amenable to Federal Consumer Law and It is unlawful for any covered person to offer or provide to a consumer any financial product or service not in conformity with Federal consumer financial law, or otherwise commit any act or omission in violation of a Federal consumer financial law ; or to engage in any unfair, deceptive, or abusive act or practice. The act to repossess my vehicle is an unfair act because it causes substantial injury in the form of monetary harm to the consumer and is likely to cause substantial injury in the form of monetary harm and cause the consumer to be victim to further use of abusive, deceptive, and unfair debt collection practices by debt collectors which is not reasonably avoidable by the consumer. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. Said substantial injuries are not outweighed by countervailing benefits to the consumer or to competition. The act to repossess my vehicle is an abusive act as it takes unreasonable advantage of a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the consumer financial products and services. or takes unreasonable advantage of a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service, the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service, or the reasonable reliance by the consumer on a covered person to act in the interests of the consumer. Ultimately Toyota Motor Credit Corp has violated Federal Consumer Law and pursuant to 15 U.S. Code 1666 ( e ), Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon.
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| 04/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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Web |
Older American |
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I had to leave my job inXX/XX/XXXX due to XXXX XXXX XXXX requiring XXXX. I had to take early retirement due to the cost of a XXXX XXXX. I was then and am now on a fixed income. I contacted Toyota Financial Services prior to the due date of XX/XX/XXXX requesting an extension due to the timing of the start of retirement benefits. My extension was granted and they sent me a confirmation letter dated XX/XX/XXXX, Account # XXXX. That letter confirmed the new next due date would be XX/XX/XXXX. On or about XX/XX/XXXX I saw where Toyota was going to take the {$600.00} for the XX/XX/XXXX payment through automatic withdrawal from my checking account. I immediately called their Customer Service and was told that I needed to cancel the automatic online and I did. I was further instructed to go to my Bank and issue a stop payment on the withdrawal which I did. Apparently, the stop payment somehow changed the next due date from XX/XX/XXXX to XX/XX/XXXX. The Customer Service Agent that instructed me to stop payment did not inform me that it would change the terms of our agreement specified in the XX/XX/XXXX letter. Still struggling financially in XX/XX/XXXX, again due to the retirement benefit from SS being delayed an entire month and Toyota 's insistence I was late on my payment contrary to the agreement in theXX/XX/XXXX letter, I contacted them again.
The Customer Service agent this time looked at theXX/XX/XXXX letter and told me I was correct and it would be fixed including a change to my due date from the XXXX of the month to the XXXX of the month to allow my retirement check to be received and payment made on time. It never happened. I contacted their Customer Service again.
This time the Agent told me because of the stop payment, instructed by them in XX/XX/XXXX, the payment I made in accordance with the XX/XX/XXXX in XX/XX/XXXX was credited to XX/XX/XXXX making me a month late. Another extension was granted that I thought was suppose to straighten it all out and show me current. I will make another payment today, XX/XX/XXXX for {$600.00}. I can do no more. However, they are assessing late fees each month that I feel is unfair and not right.
I contacted them, once again when I made the XX/XX/XXXX payment on time and asked again that they fix it by 30 days so I could begin restoring my lifelong good credit. They denied my request in a letter ofXX/XX/XXXX. I am frustrated and will not allow them to assess late payment for the term of the loan which goes on for a while. I will simply give them back the car. I am on a fixed income and have no way at this time to double payment.
|
| 11/05/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Older American, Servicemember |
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This complaint was previously submitted by my husband on my behalf. Toyota Financial 's response was to obfuscate and avoid the issue by saying that he wasn't authorized to act on my behalf. The issue remains without resolution and needs to be addressed.
Complaint Regarding Toyota Financial Services ( TFS ) and Collection for Personal Property Taxes ( PPT ) my husband and I have been trying to resolve an issue related to personal property taxes assessed on the lease of a XXXX XXXX XXXX. The lease has expired and the vehicle was returned without issue on XX/XX/XXXX. In early XXXX I received a bill from TFS for my share of property taxes for the 1st half of XXXX, listed as {$100.00}. I have no issue with the fact that some PPT is due, rather the issue is related to the amount and determining the appropriate calculation. Because I doubted the accuracy of the {$100.00} amount we called TFS to ask for a copy of the tax bill and an explanation of how the amount due was calculated. After going through the on hold period we opted for a callback which I got about 2 hours later. Unfortunately, the representative was unable to provide the specific information but he promised to have a copy of the tax bill mailed to us so that I could do my own calculations. What I received was another copy of the bill for {$100.00}. Today we called TFS at XXXX and opted for a callback after being informed there was a 1 hour and twenty minute hold time. I received a callback from XXXX at ( XXXX ) XXXX at XXXX. Unfortunately the call disconnected before any meaningful information was shared and I have yet to receive another callback ( its XXXX now ). Now this may seem like making a mountain out of a molehill but if TFS is arbitrarily billing customers for PPTs that are inflated and inaccurate they are unlawfully profiting from their customers. My husband called the county tax office and verified that the PPT on that vehicle for the 1st half of XXXX was {$190.00}. TFS was initially billed for the entire period but was sent a corrected prorated bill of {$83.00} based on a disposition date of XX/XX/XXXX. Because we returned the vehicle on XX/XX/XXXX, my calculation says that were responsible for {$58.00} ; certainly not {$100.00}. I dont want to make unfounded accusations but sending bills for XXXX without corroborating documentation showing the validity of the charges is a questionable practice. Add to that a customer service organization that is next to impossible to reach and very unhelpful when they are reached and you have a recipe for frustration that likely leads most customers to just pay up.
|
| 03/19/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XX/XX/XXXX MAZDA FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX VIN # last six XXXX Credit Compliance Department XXXX MAZDA FINANCIAL SERVICESXXXX XXXX This letter is a formal statement notifying the above parties that the accounts under VIN # last six XXXX are disputed.
The vehicle in question was purchased on or about XX/XX/XXXX, from XXXX XXXX, listed SELLER on contract is XXXX XXXX XXXX, contract is financed by MAZDA FINANCIAL SERVICES, repossessed in the state of CALIFORNIA on or about XX/XX/XXXX. Violating cease and desist instructions sent to MAZDA FINANCIAL SERVICES sent certified mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under the laws of ( 12 cfr 1026.17, 1026.17 ( a ) ( 1 ) 12 cfr 1026.18 and 16 cfr 433, 16 cfr 433.2 ) and UCC 9.506 as well as State RISA and MVISA status, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification of the subject vehicle.
If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
In addition, if you singularly or severely fail to comply with the my requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.
Furthermore, you are hereby notified that at no point in time and under no circumstance is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Cc XXXX Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc XXXX XXXX XXXX XXXX
|
| 11/08/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
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Leased a new vehicle from XXXX XXXX XXXX in XXXX XXXX and noticed that the finance guy did not want to share the contract with me until after I had finished signing. Upon seeing the details of the contract after getting home, noticed there was an after market add-on for {$4000.00} which I never agreed to purchasing, let alone signing an addendum stating that I wanted the add-on or proof that " XXXX '' was ever installed on the vehicle or came with the vehicle. I came back to the dealer on Sunday to speak with someone and the Finance person told me to come back on Monday to speak with the Sales Manager who told me to come back on Tuesday to deal with the original Finance person who ripped me off in the first place. I called the Finance Director who claimed that there was nothing that she could do until the original finance person came back although she was the DIRECTOR, that all his deals were " locked up '' inside his desk and that she had no access to them. After coming back to the dealer on Tuesday and speaking with the original Finance person, he exclaimed that they did not charge me for the {$4000.00} add-on although the contract clearly shows that it was included in the price of the vehicle which determines the amount financed and the monthly payments. He also mentioned that this is a lease, so there 's no financing, which makes NO SENSE whatsoever. He proceeded to remove the {$4000.00} add on and added the total oto the " Rental Charge '' portion of the lease, jacking it up from {$2000.00} to $ 6,000+ to keep the same monthly payments. Eventually, I walked out and asked to speak with their GM, who never showed up. After waiting for another 15 minutes, the Finance Director tells me that she will " resolve '' the issue and removed all the erroneous add-ons and charges out of thin air and removed about {$7000.00} of fraudulent charges on my lease contract and bringing my monthly payment significantly. In the end, there was really no explanation for what occurred because the dealer knew that they were caught red handed and had no proof that the add-on was ever installed or requested by the buyer and tried to save the sale. I could not believe how much trouble I had to go through to get something removed from the contract that did not belong in the first place. Be very careful if you are purchasing from this dealer and make sure that they actually print the contract out and walk over the price with you line by line and provide full explanations for all of the charges and documentation for any " add ons '' that they might have thrown in there that you did not want.
|
| 01/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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Greetings, I completely paid off my car note, but all 3 credit reports still report the wrongful repossession. The 2nd repossession should be removed but its still being reported after it was promised to be removed by XX/XX/XXXX.
Previous Case XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with monetary relief Company 's Response Thank you for bringing your concerns to our attention. According to our records, you executed the attached simple interest retail installment contract on XX/XX/XXXX for a XXXX XXXX XXXX reflecting a payment amount of {$280.00} for 60 months. The contract went into default when you failed to make payments in accordance with the payment schedule, and when the vehicle was impounded due to unpaid parking violations. On XX/XX/XXXX, we received a notice of impound from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX informing us that the vehicle was impounded on XX/XX/XXXX, and that we had 21 days to recover the vehicle to prevent the vehicle from being sold at a lien sale. As of XX/XX/XXXX, the vehicle had not yet been recovered by you, and to minimize any further daily storage charges of {$35.00}, we retrieved the vehicle from the impound lot on XX/XX/XXXX. In order to retrieve the vehicle, we paid {$520.00} in towing and storage fees to the impound lot. We reviewed the XX/XX/XXXX interaction between you and our representative, and agree you advised us of your intention to recover the vehicle from the impound yard. Therefore, we are refunding the {$470.00} repossession fee assessed to your account. We recommend that you allow 5-10 days to receive the refund check. Additionally, we have requested that the Consumer Reporting Agencies ( CRAs ) remove the repossession indicator from your credit profile. Although we have made this request electronically, it is our understanding that it can take the CRAs up to 45 days to make the change. Finally, we are not able to restructure your contract to lower your monthly payment. This is because, as an indirect lender, we generally are not licensed to offer loans directly to the public so we can not offer refinancing. If you wish to refinance, we recommend that you explore your options with another lender such as a local bank or credit union. We appreciate you taking the time to write and provide feedback to us. By sharing your experience, you help us identify areas that may need correction or improvement, which will allow us to continue to strive towards providing extraordinary care to all of our customers. Thank you.
MONETARY RELIEF AMOUNT {$470.00} Best, XXXX XXXX XXXX
|
| 11/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
In early XX/XX/2023, I called Toyota Financial because I could not make my car payment. Until then, I had never been late. I was given a XXXX month deferment and told that I could another XXXX months if I called at the beginning of XX/XX/2023. Because I still need the extra XXXX months, I called today, XX/XX/2023, to request the deferment. I was asked why I needed the deferment, and I told them financial hardship, the same reason I had given XXXX months earlier. Within in minutes, I was told my request was denied. I was told Id receive a letter of explanation. The woman with whom I was speaking was not at all helpful but did request that a supervisor call me. She said that could take XXXX to XXXX hours. I asked if there was anyone else with whom I could speak. She said shed try to get someone in the resolution department but came back shortly and said no one was available.
I spoke with XXXX other people over the course of the morning. The second woman took more information about my financial hardship and said the first woman should have asked about the nature of the hardship. This second woman said she was recording what I said. However, when I spoke with the fourth and final person, I learned she did not.
The third person actually put me through to someone in the resolution department. That woman, the fourth person with whom I spoke, was rude and condescending. All she would tell me is that my financial hardship did not qualify for a deferment. She kept focusing on only XXXX aspect, other expenses, but would not listen to the nature of those expenses or why I had them. I even tried to explain the circumstances surrounding the actual purchase of the car and how the dealership had taken advantage of my lack of knowledge, how they had misrepresented aspects of the deal and/or left out important information, and how they had forced me to take add-ons I did not want. She just kept repeating the same thing, your financial hardship does not qualify for an extension. No explanation other than there are reasons it doesnt qualify that they dont disclose.
I ended by telling her that she was giving me no choice but to voluntarily surrender the car because I would not wait for the indignity of an actual repossession. She then said something about other options becoming available once I was behind on my payments. I was too upset to listen further. I was trying to resolve things in good faith. I was also trying to reduce my stress level because I deal with extreme anxiety and other health concerns which are exacerbated by stress.
Toyota Financial refused to help.
|
| 02/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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On XXXX XXXX at about and around XXXX I met with Mr.XXXX Sale Manager Of XXXX, California Toyota Dealership who assisted me on purchasing my XXXX XXXX XXXX on XX/XX/XXXX.
Mr.XXXX had a conversation with Toyota Financing Services Ms.XXXX with employee ID # XXXX and also another Rep in regards of a possible trade in so I able to have a monthly payment of {$300.00} a month that's more affordable for me instead of present Auto loan payment of {$480.00}.
I am respectfully not able to pay {$480.00} a month now or later I can only pay {$300.00} - {$320.00} a month payment.
Toyota rep in which he was a male rep stated on a recorded phone conversation as Toyota Administration records all customers conversation.
I made call to Toyota Financial with my cell # XXXX my call can be traced by Federal Government and location at XXXX Toyota Dealership for evidence.
Mr.XXXX explain to both Reps of trade in to make my monthly payments at {$300.00} a month, but Toyota Financial Services wants doesn't want to reduce the Payoff to {$14000.00} as XXXX XXXX states for XXXX as value decreases.
Toyota Financial Service is asking for a Payoff of {$23000.00} and is go through XXXX was purchase for {$26000.00} on XXXX XXXX with GAP Insurance and Extended Maintenance Repairs Service , but this Gap and Extended Service was terminated by me on XXXX XXXX and Toyota eliminated and the funds of around {$2300.00} that was retrieve was utilize to be implemented on the Toyota Auto loan XXXX XXXX XXXX as stated on billing statement evidence of XXXX XXXX.
I provide evidence of this payment from Gap Insurance funds to Federal Government CFPB and XXXX Department of Justice on filed complaints # XXXX and provide it evidence to US Senator XXXX XXXX office.
Toyota Financial Service Male Rep that was talking to me and Mr.XXXX stated that Toyota Financial can make my monthly payments more affordable so I can keep this wonderful beautiful reliable Toyota vehicle as I love it and I love to keep it.
If Toyota Administration reduces my monthly payments to {$300.00} a month I will make timely payments until vehicle is paid in full and respectfully timely payments will support me in getting my credit in prosperity as my credit is not in prosperity and I am working on my credit.
Toyota Financial Administration rep stated that Toyota has special programs for our Military Veterans for support. I am respectfully a XXXX XXXX XXXX Military Veteran, XXXX XXXX and Retired.
I only receive XXXX XXXX Retirement Pension income and I don't receive Social Security benefits or any other income.
.
|
| 10/18/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/XXXX o I purchased a used XXXX XXXX XXXX from XXXX XXXX ( XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX ) o I had a trade-in vehicle which was a lease from XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). Vehicle was a XXXX XXXX XXXX o My lease had approximately 5 months remaining and I was already at or over my mileage limit for the full lease agreement.
o During the course of the negotiation, XXXX XXXX representatives promised to pay-off the remainder of the lease payments, pay any early lease termination fees and pay XXXX XXXX XXXX fees for mileage overages.
o I agreed to purchase the XXXX XXXX in good faith that this would occur and turned over the leased XXXX to XXXX o XXXX XXXX pilled on a large volume of paperwork which I later discovered had hidden fees which they built into the loan which put the burden of the remaining lease payments into my load. This is not what I had agree to and there was no explanation of the charges. Since I was rushed into signing the deal late into the night, I didnt notice it o I was only provided with one key to my now purchased XXXX XXXX XX/XX/XXXX o I returned to XXXX XXXX to turn in my spare XXXX key and handed it to the sales representative on duty. I explained the that the key needed to be handed to the manager and my salesperson, so it could be turned in with the XXXX A few months later, Ive begun receiving collections call from XXXX XXXX XXXX XXXX, Toyota Financial Services and many other collections agencies for approximately $ 1.1K. They state that I owe money for 3 things : o Missing hubcap for one tire o Missing XXXX key o Mileage overages on the lease Im willing to discuss the cost of the hubcap although I havent seen proof that it was damaged or missing ( despite my requests for documentation ), however, the key was turned into Mossy and the mileage should be paid by XXXX. Ive decline to pay any of those charges Since then Ive been harassed by Toyota Financial and multiple collection agencies. Multiple phones in a day, calls to my personal cell phone, calls to my place of employment, calls to my wife None of these calls have been authorized and I consider them a violation of my FDCPA rights.
Additionally, Ive received multiple letters which use threatening language towards me if I dont take action to resolve the account. I consider these letters also a violation of my FDCPA rights. They did not contain proper validation disclosures, substantiation of debt or physical evidence to support the debt claims The two debt collectors at fault are : XXXX XXXX XXXX XXXX and Toyota Financial Services
|
| 02/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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Web |
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Hi, I have submitted a complaint previously regarding my issues with Toyota Financial. I was paying a XXXX car payment on a XXXX. I was told I could refinance in few months. Well I did try 6months or so into the loan and lenders told me that 's insane, I had said this in my previous complaints with. Along with they said I can defer a payment, said they did it and I said it does n't show up, and I also explained the women had told my I needed to sign a secure message through her email, well after a few phone calls,, few weeks, months later no deferral, and I 'm argue other issues, double dipping payments on my account. On my daughters birthday, that wasted our time to sign, investigate, and reverse my money. It 's a constant run around Just nasty collection calls, and called me the day a XXXX payment came out and the women called me lier in many words just in my detail with questions, telling me does n't show, and said that 's not possible as I 'm not set up for auto pay. I said XXXX, no reason to lie, I can not talk, I 'm a XXXX and the safety of these kids is priority, she continued to keep asking for a payment, I h a d to han up on her. The latest, I received a bill through mail, that my car payments due XXXX no mention of a repo. From the looks of it, I would never have thought a repo was going to take place, as I been paying on time XXXX a month. They were also I 'm formed on many occasions I I 'm SSD and my pay is every XXXX of month. I also mentioned This up coming payment was going to come out of my previous checking account which is XXXX as I was back banking with them. Well I 'll attach my statement. Tuesday, my car was pulled from my driveway a repossession. After crying, and all that pain, heartache in any situation when your property Is taken and as the communication is there on my end, on Toyotas end it was just a nasty experience. I Call I explain my daughters coats are in trunk I really need my stuff. I said I have a bill. They said I can not pay that amount to get the car back I must pay the entire XXXX plus the guy told me. I said if I had XXXX grand in my back pocket, I would n't be late be on payments. It was just extremely hurtful, stressful and I 'm very tired of being taking advantage of. The repo guy was the most helpful, very comforting to say the least. He had told me he just got the call the night before to come for my car. It just blows my mind that this companies rob individuals everyday, such as myself to keep their accounts up. Well I had enough of doing without because they plot out who they cheat. No so let 's fix this
|
| 05/23/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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On XX/XX/XXXX I leased a XXXX XXXX XXXX at XXXX XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX. Upon closing the deal, F & I Manager XXXX XXXX sold me XXXX XXXX XXXX XXXX XXXX Agreement # XXXX XXXX for {$430.00} and another one called Appearance and/or Windshield Protection for {$350.00} both for 4 years. On my 3rd year of leasing, I noticed I never got a policy to read at all. So I called XXXX and inquired to where I can call about the service agreement about a dent repair because someone or something scratched my car. I even went there beforehand to inquire how I can get it repaired using my Service agreement. That was the only time I was told that it has to be a size of a credit card and therefore, it does not qualify for repair. This was not explained to me when I was sold the product. I called the company called XXXX and asked for the policy to be cancelled since I feel that I got decoyed into buying it believing that if my car get scratched, I'm insured. XXXX told me it's not refundable and emailed me the policy which I don't understand why now I can't find it among my email inbox. On the 1st week of XXXX I emailed XXXX XXXX, Manager of XXXX XXXX discussing my situation that I am on BK XXXX and that will the dealership allow me to extend or lease another vehicle. XXXX XXXX responded and met with him XX/XX/XXXX. I filled out an application and submitted my W2s only to find out they turned me down because of BK XXXX So I gave up. Went to XXXX XXXX XXXX to get another car because my XXXX lease is expiring in XX/XX/XXXX. They agreed to help me even with BK XXXX and possibly pay the last 2 months of my lease. Unfortunately, they are asking for payment history. I called XXXX XXXX Account # XXXX at XXXX to get my payment history but they refused to email me the payment history but only to my lawyer. I do not understand this. I ended up losing the deal with XXXX XXXX XXXX. Up to now, XXXX XXXX does not want to give my my payment history and I don't understand that since it is my own record. From the very start, they decoyed me about selling useless service agreements and which I'm not allowed to cancel. Now, the XXXX fXXXX is giving me a hard time getting my own record so I can apply at another dealership for a replacement car. I had been faithful paying XXXX XXXX in the past. I filed for BK XXXX because I had been in and out of the hospital and was forced to retire due to my illness. Now I am stuck and after I turn over the XXXX car, I have no car to go back and fort to the specialists since I could not even get my own record from XXXX XXXX.
|
| 02/17/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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Dear CFPB team, Our company took over a lease from an individual of XXXX XXXX XXXX, which came into effect in XX/XX/XXXX as signed by Toyota Financial Services agreement. As a part of the lease transfer deal we obtained a fuel card worth {$15000.00}, which was assigned to the car at the moment of the lease transfer and worked fine, and we used this car to fuel the leased vehicle.
As of XX/XX/XXXX the fuel card stopped working ( due to Toyotas internal card provider switch ), and when called Toyota Brand Engagement Center that handles Toyota Mirai we were informed that the card is non-transferable to the new owner, and this is the first time we learned about it.
We opened a complaint case number with Toyota Financial Services ( Case # XXXX ) and with Toyota Brand Engagement Center ( Complaint # XXXX ) but didn't receive a positive outcome to resolve the case.
Toyota XXXX XXXX center XXXX Specialist by name XXXX informed me on XX/XX/XXXX that fuel card 's non-transferable status is printed on the card, and while this is indeed the case ( in small print ), we didn't know about this from the lease transfer agreement at the time of its signing. The fact that the card was fully operational until Toyota moved to ta new card provider on XX/XX/XXXX also proves that the card was effectively transferred for our use 100 percent.
I argued with XXXX that " non-transferable '' status makes sense in a way that it is non-transferable to a different car, because it was originally assigned to the same car we took over as a lessee, and there was no documentation available that the card was non-transferable to a new lessee in the lease agreement or anywhere else.
Remaining value of the fuel card 's balance is at least {$7500.00}, and we as a new lessee would like to seek compensation from Toyota for lost value as we assigned this value to the lease contract when we took over the car lease.
Please kindly help us get Toyota to bear full responsibility for their covert actions to strip our company of at least {$7500.00} value in our contract and pay us this compensation in full by a check or other means.
Thank you.
Dear ___ : We appreciate you taking the time to contact the Toyota XXXX XXXX XXXX. We are dedicated to providing superior service. Your case is filed at our headquarters office under your name and file XXXX.
If you require further assistance, please contact us directly at XXXX. Our hours of operation are Monday through Friday from XXXX a.m. XXXX p.m. XXXX, and Saturday from XXXX a.m. XXXX p.m. XXXX.
Sincerely, Toyota XXXX XXXX XXXX
|
| 02/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
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I entered the XXXX XXXX dealership located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX to purchase a vehicle appr. XX/XX/XXXX right before the COVID 19 shutdown. My credit score was in the 600s and I was approved to get a vehicle. The manager, XXXX XXXX, did a bait and switch tactic last minute on a pre-owned vehicle that was sold to me for double the XXXX XXXX price, that is not reliable or operable, without allowing us time to do the research. I started pulling up the information while they were putting together the contract and disputed the car, and they pushed us into the vehicle, stating the reviews about the car were not true. The vehicle that was sold to me was a XXXX XXXX XXXX, and the hydrogen stations are usually non-operable, leaving me without fuel for the vehicle appr. 80 % of the time. When I realized what type of vehicle was sold to me, within 24 hours after purchase I tried to return vehicle to dealership, and the manager ( XXXX XXXX ) refused to accept the car. The car value was approximately XXXX and the bank finaned me for approximately XXXX way over value of car. The car has to constantly be towed to stations, as there are only about 3 hydrogen fuel stations in XXXX County, and they are usually out of service. This leaves me without a vehicle most times, and takes up an entire day to be towed. I have contacted corporate and corporate refuses to accommodate me, and instruct me to make payments on the vehicle anyway- they do not care if the car operates or functions efficiently. The management at the XXXX dealership, XXXX XXXX, seems to be participating in an insurance scheme on the car- as one incident several guys in a car came up to me in a vehicle at the station it was towed to and asked if I wanted to do a total loss on the car with their auto shop- insurance fraud scheme, and stated they knew XXXX XXXX at XXXX XXXX . I refused their advances and they would not leave us alone until we left. I am not sure what else to do but we are in a XXXX auto contract with a vehicle that is not reliable, the fuel stations do not work or exist over 80 % of the time. This car has left us stuck on the side of the road, having to be towed, and paying for XXXX or XXXX about every two to three weeks since it was purchased in XX/XX/XXXX. There are many complaints about this car that can be found online, another concern is the price they financed thr car for, recently the management quoted my car at XXXX trade in value, of which was sold to us at XXXX!! I am not sure what are my next steps, as I have contacted a few attorneys as well.
|
| 03/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear Toyota Financial, The reason why I am contacting you is to discuss a couple of late payments that greatly affected my current credit score. Through my four leases with Toyota my payments have always been on auto pay so there would never be a situation with me not making a payment towards my lease. If you take a look at my payment history I have never made a late payment and as I previously mentioned I am currently I am on my fourth Toyota lease. Back in XXXX my bank was XXXX XXXX and when I was notified that they would be transitioning to XXXX XXXX, I decided to change banks and opened an account at XXXX XXXX XXXX XXXX. My account was opened on XX/XX/2016 and this is the reason how I received my two missed payments. Because I was going to get a whole new account this one was not on auto pay yet I then made a one-time payment online in XXXX for my XX/XX/2016 payment. This is where there is a problem ; I set up auto pay and requested that my one time payment be reversed because I could not afford to make two XXXX payments so I was reimbursed the {$340.00}. A few weeks went by and I was wondering why there was no payment for XX/XX/2016 and that is when Toyota Financial contacted me and said that I did not make a payment for XXXX. I mentioned that I did set up auto pay but I guess I didnt do it right so the agent helped me set it up. The agent then said that auto pay was set up and that my XXXX payment will be my XXXX payment and I would have to make two payments in XXXX that would take care of my XXXX and XXXX and with that I would be on track once again. Now at the time I did not think that would make late payments on my account because I was doing exactly what the agent at Toyota Financial told me to do. Now when I looked at my account my credit score dropped from XXXX to XXXX. There are no other dings on my account except for Toyota. I was wondering if those late payments could be taken off my credit report because I did exactly what the Toyota Financial Agent told me to do.
This is what toyota told me to do and it destroyed my credit report!
I called them several times and they said that they could not fix it!
They told me to write a new letter and sound like and XXXX and maybe they would fix it!
I called again and nothing!
Plus the only to contact them is by email! They have no phone or fax for their department!
I have leased 4 vehicles through Toyota and have always been on autopay! Until having to switch banks is what caused this!
Please help me!
|
| 11/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/2019, I entered into a consumer credit contract with XXXX XXXX XXXX ( an affiliate company of the XXXX, XXXX corporate family ) and a consumer credit transaction occurred for a 2019 XXXX XXXX. I have reason to believe that this entity is a financial institution pursuant to 15 USC 6827 ( 4 ) ( B ) and also a seller-creditor as mentioned on my contract pursuant to 16 CFR 433.1 ( exhibit A ). I have reasonable suspicion that the contract/transaction are fraudulent in nature. I have attempted to settle this matter many times ( in person, over the phone, AND through electronic correspondence ) with XXXX XXXX XXXX and also TOYOTA FINANCIAL SERVICES INTERNATIONAL CORPORATION without any remedy. Per my contract, as the consumer and debtor ( pursuant to 16 CFR 433.1-433.3 ), I am asserting my rights. I believe I was fraudulently required to pay a down payment ( exhibit B ) which is a violation of 15 USC 1605 in transactions where finance charges are involved : " The finance charge does not include charges of a type payable in a comparable cash transaction. '' 15 USC 1605 also states that : " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. '' ( exhibit C ). However, I believe I was fraudulently coerced into paying extra charges and monthly payments/fees that far beyond exceeded the finance charge ( exhibit D ). I believe these extra charges and monthly payments/fees constitute another violation in the form of a billing error ( exhibit D ) pursuant to 15 USC 1666 ( b ). In addition, I believe my promise to pay ( promissory note ) via a negotiable instrument secured the loan ( purchase money loan pursuant to 16 CFR 433.1 ) and discharged the obligation at the time of signing which also constitutes a billing error. Also, I believe my rights of rescission were violated pursuant to 15 USC 1635 due to the fact that I was not furnished with any rescission disclosures at any point in time and the contract goes as far as to state that there is " no cooling off period '' for this transaction ( exhibit F ). I also feel that this " loan '' was fraudulent in that it is not a loan at all but a " credit sale '' in that I agreed to " buy the vehicle on credit '' ( exhibit G ). Many courts have long established that banks/financial institutions may lend their money can not lend their credit.
|
| 09/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
|
I purchased a new XXXX XXXXXXXX XXXX XXXX in XX/XX/2017. The credit union I was going to use for financing can not lend on new cars out of dealerships in AZ, I live in CA. So, I essentially had to use Toyota Financial as my lender.
I love the car and intend to keep it for years to come. I am also happy with the terms of the loan for the most part and planned to pay it until it was paid off.
For reference, I have a perfect credit history including paying a XXXX mortgage on time each month plus XXXXmonth extra towards principal. I actually own a mortgage bank called XXXX XXXX and understand the importance of credit very well. I love helping educate people on improving their credit.
In XX/XX/XXXX, out of the blue, Toyota Financial reported a 30 day late on my account to all 3 credit bureaus. Up to that time, I had been trying to setup an automatic payment draft for this account. I talked to Toyota about this many, many times. I kept raising my hand asking how to do this and was never properly shown. At many points, I actually was under the impression that I'd set it up correctly while on phone with Toyota. During the time in which I was under the impression that I was on the auto pay, my due payment was not drafted and I was then charged with a 30 day late.
As soon as I was alerted of this ( by XXXX XXXX ), I immediately made the payment and called Toyota.
Toyota essentially admits no fault or responsibility on their end. I pleaded with them for almost an hour trying understand their perspective in the manner, while trying to explain mine.
My credit history confirms that I consistently pay my bills. Why would I choose not to pay this one? All of my accounts are on auto draft, why wouldn't I want this one on auto draft?
I wish for Toyota to admit that they didn't adequately help me get into auto draft, when I called asked them to do this many, many times. Their customer service was so poor, that I actually thought I was in auto draft when I wasn't. That is why I have a 30 day late.
I have since successfully enrolled in auto draft finally and continue to pay the account on time, just like all of my other accounts.
I am so frustrated and feel like they won't listen to me.
Please help get this 30 day late off my credit. My wife and I were going to refinance our home this fall, but if this 30 day late is still on my credit, we won't be able to. This is literally freaking me out and affecting my family - because Toyota didn't properly help me when I was asking for it.
Please help.
Thank you, XXXX
|
| 04/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
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XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX I came to the dealership to purchase a vehicle and they told me they would try to find financing so I waited and sent them all my personal information. The finance manager also asked me to remove the fraud alert from my credit report because he couldn't find financing without it removed which I thought was a bit skeptical. I removed it thinking he would find financing they did a total of 6 Hard Inquiries on my credit report until one day the car salesman calls me and told me when I was going to pick up the car that it was ready. So I went over there and then the dealership did not want to release the car because they told me that they needed a XXXX down payment or the bank would not finance the loan. I was thinking I was going to finance it with my own bank but they used high pressure sales tactics and didn't allow me to use my own financing. I was told that they couldn't give me the car knowing that XXXX XXXX had already paid for the car in which I did not find out until 6 days later when XXXX XXXX mailed me the first car payment stub. So here I was thinking that everything was going to be ok because the General Manager told me that he would reverse the transaction and if not then it would just show on my report as paid. I thought to myself this can't be right because the vehicle is still registered and paid under my name and he kept telling me that the car was never paid for. I knew this was a lie but gave him an opportunity to fix the situation. So here we are now XX/XX/2019 and the car starts reporting on my credit file on XXXX. Now I am getting a little more concerned as to what is really going on with the vehicle knowing that I am being billed and I called XXXX XXXX XXXX which is with XXXX XXXX and they stated that the car was paid under my name and they issued a check for the amount of {$26000.00}. So they got paid under my name and then resold the vehicle 2 days later knowing that they were paid they should have released the vehicle the bank stated to me over the phone in which I have the calls recorded and advised them that I would be recording them for legal reasons. So I asked the General Manager what we would do about the situation and he stated he could not get the vehicle back but he could possibly pay the bank back with the companies check in which I thought was also a bit fraudulent. I have hired legal counsel to move forward with the matter so that I can make sure all of this is resolved fairly and I can move forward in purchasing a vehicle elsewhere.
|
| 05/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Its unfortunate that you believe me to be an imbecile, im well aware of how the CRAs operate and that they can not make any changes to an account without the express authorization of a creditor, which means that XXXX had to give XXXX express instructions to Delete or Suppress the account. Now under the statue of good faith I hope that you will see reason in this final attempt for a just outcome. I do ask for your understanding, I was young and dumb when I first got the car ; and im not asking you todo anything that hasnt already been done on your part. Right now im XXXX and im trying get my 1st house, and a new car however I cant do that because this single account is holding me back by 200+ points on my credit report. Once again I plead with you to see reason as I would not like to take you all to court ; I will unfortunately be forced to seek legal counsel in pending litigation of small claims court and the attorney general if we cant come to terms.
Now under Section 623 ( a ) ( 2 ) of the FCRA If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Which means that as of XX/XX/18 when Toyota reported to XXXX to have the account Deleted or Suppressed that same information should have been sent and updated to all the bureaus.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I intend to follow through with the suit if I do not hear back from you within 15 days Best regards,
|
| 03/25/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
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My car was repossessed on XX/XX/2017. It was a Sat and all the businesses to get the situation handled were closed, so I had to wait until Monday. That Monday ( XX/XX/2017 ), I called Toyota and the first man that I spoke with told me that the amount would be {$710.00} and some change. I informed him that I could pay that and he said that I needed to wait for a letter that states the rest of my fines and that they had 3-7 days to get the letter. I asked what fines and he stated that of the towing company. With that being said, I called XXXX in XXXX which is where my car is. I asked them what the amount was going to be to be able to get the car after I pay Toyota and they stated that they were waiting for Toyota to send them the letter and without the letter they ca n't tell me anything. We have been struggling and I understand why they took the vehicle but I have been trying to pay Toyota now for 5 days and today marks the 7th day that my car is still in the impound. I have no idea how much money is accruing everyday on their lot, Toyota wo n't even let me pay them and I have no idea what else to do. I am XXXX and just wanted to get the situation handled as quickly as I can and Toyota is making it impossible for me to get my car back. I have been willing and offering since day 1. My husband and I were struggling to make payments and have told Toyota that we understand why they took the car but that we just want to get it back. I have spoken to managers, I have called at least 3 times a day since that Monday and still have gotten nowhere. I have appointments coming up ( I have XXXX ) next week that I have no idea if I will be able to go to because I do n't know when they are going to receive this letter that they keep talking about and not taking a payment. Everyday the cost increases. We are already struggling and the process to get our car back only racks up more charges and makes it more and more expensive. They say that the letter is required by the state but I have not seen anything in my research about this letter but what I have found is that I am not the only one in this position. They have even taken full payments before and still make their consumers wait 10 days before being able to get their cars back. Ridiculous. I am a willing customer who understands why her car was repossessed and have tried and tried to pay to get my car back and am constantly being pushed back. My husband is on the road and I have no other means of transportation and I am XXXX. I do n't know what else to do and need help.
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| 01/28/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Servicemember |
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While at the XXXX XXXX XXXX XXXX dealership in XXXX Ca because it was close to a friends house on a weekend. When I did not see what I was looking for the salesperson did a good job of listening to me and took the time so search the inventory. We walked to the back lot and I found a vehicle that met the criteria I was looking for. I decided to listen to their offer based upon the performance of their sales person. I have excellent credit and little debt so I was confident I could buy it. During the course of negotiation and closing I was told several things that were complete lies and overcharged by an outrageous amount. The smallest lie was that they refused to negotiate because they had shopped over XXXX competing dealers and their price was the lowest guaranteed. They kept emphasizing they guaranteed it was the lowest price because they had done all the work for me. After closing I found that the dealership close to my home was cheaper. I wasn't too upset. The largest and most disturbing lie was during the financing I was offered gap insurance at a cost of {$800.00} and was told that it could ONLY be obtained at the time of closing and that if I did not take it right then and there it could not be purchased later through any other source. I took the gap insurance because I did not want to be exposed. The first available business day I called my auto insurance provider to place the vehicle on my auto insurance policy and the agent offered me gap insurance. I told them about the conversation with the F & I guy and she told me that was completely untrue. I went online and found that many insurance companies offer such insurance on leases. I took the gap insurance through my normal auto insurance agent and the cost was {$56.00}. Yes that is correct, {$56.00} versus {$800.00}. I sent them an email through their website communicating my desire to cancel the gap insurance and called. I was placed on hold for so long it was intolerable. Finally I was able to speak to someone in Finance and communicated that I wanted to cancel gap insurance. I was assured it would happen. My payment documents came and I have made my payment. I called Toyota Finance and they have absolutely no record of cancelation. I called XXXX XXXX again and had to leave a message. I asked for a call back in the next 3 business days and gave clear detailed call back information. No call back. I can not get a response from them. I am left with no choice but to file a complaint with CFPB and the State Insurance Commissioner.
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| 05/14/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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On XX/XX/XXXX I contacted Toyota Financial to see if the dealership had notified them that I returned the lease. The agent I spoke with told me they had not and I inquired about the disposition fee to which the agent told me " If you are billed for a disposition fee please call us and we will waive it based on the account history. '' XXXX comes around and I received a bill for over {$800.00} which Toyota Financial informed me consisted of the disposition fee and charges for tires. I replaced the old tires with brand new tires the day before I turned the lease in and when I told this to Toyota Financial they told me the charge was because the doughnut tire did not match the rest. They agreed this did not make any sense and agreed to waive the tire charges. However, they would not work with me when I attempted to discuss the disposition fee I was told I would not owe.
Since then I have called back numerous times trying to speak with a manager/supervisor to which I am told none are available and they will not allow me to hold to speak to one and refused to call me back. I have repeatedly informed them of the conversation I had with their agent of XX/XX/XXXX and they do not care.
I attempted to call today XX/XX/XXXX and was told that they can not pull the call I had with their agent on XX/XX/XXXX because it was with their customer service department and not their lease end department so there is nothing they can do.
I informed them I am willing to start paying $ XXXX/month on this account as money is tight for me. They advised me I can pay that amount, but when the account is reviewed it will be sent to collections because their monthly minimum is $ XXXX/month. I work in XXXX and to the best of my knowledge it is absolutely illegal to send a customer who is making payments to collections and accounts can not be reported to a consumers credit when payments are actively being made. I relayed this information to the agent and she held firm with her $ XXXX/month or else I would be sent to collections. I wanted to get her saying this on a recorded line so I informed her she was now being recorded and she told me that she will not speak to me on a recorded line and eventually hung up on me.
Toyota Financial is constantly calling me on auto dialers and when I answer they just hang up on me. Toyota financial is completely unethical and not customer service oriented. I and my family have owned Toyota 's since the early XXXX XXXX. We definitely will not be working with them again.
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| 04/05/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Problems when you are unable to pay
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Web |
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My vehicle was repossessed in XXXX of XX/XX/XXXX due to alleged default. I had lost my job in XXXX of XX/XX/XXXX and had called Toyota Financial Services to advise them that I would be late on my payments. They said that a late fee would be assessed and that XXXX I missed 3 months of payments my car would be filed for repossession. I had missed my payments in XXXX, XXXX and XXXX but had paid in XXXX. I called Toyota in XXXX and explained that I would be able to continue payments as I was re-hired by my previous employer. I knew that I was already 3 months behind but the agent told me that it would be fine to continue paying as long as I caught up by XXXX XXXX. I called them again on XXXX XXXX and advised that I would be paying ALL of my past due balance within the week and that I may not be able to pay by XXXX XXXX. The agent told me that they would notate the account so that I would be given a chance to get the payments in. I went to log into my account on the XXXX to pay and my account was locked out. I, then, called Toyota Financial Services again and they told me my car was picked up for repossession the night of the XXXX. I explained my above story to the man in the " redemption department '' but he said there was nothing stated on the account that I had ever called and spoken to somebody. He said the only notes reflected that they had called me repeatedly but that I never answered. Admittedly, a number called me multiple times per day everyday. Whenever I answered, it was dead air so I hung up. I do n't have time to sit on the phone for 5 minutes waiting for somebody to answer the phone when they are the XXXX who called me XXXX. Either way, XXXX times I spoke to the agents in the Financial Department, I was assured that I could get my payments in and I was never once told that my account was up for repossession. I received letters from Toyota in the mail but I did n't think to open them as I had already spoken with them on the phone and thought everything was in order. I understand that I am held to a standard to ensure I pay my due balances. However, as I stated above, I talked to their Financial Department multiple times and was told that they would accept my payments. When I went to make the payments, even before the date they told me they would accept it until, I was unable to and came to find out they repossessed my car anyways.
*I am submitting this on my boyfriends laptop. All of my account paperwork and information is at my apartment on another computer.
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| 11/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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In XXXX approximate date XX/XX/2018 XXXX dollars was outstrips paid to toyota financial services and XXXX dollars is owed to my account due to the unused warranties and coverages purchased.
Toyota states dealership has not sent the payments to toyota financial services.
I believe goes is committing fraud and stealing by requiring additional monthly car payments.
XX/XX/2018 approximately XXXX XXXX Pacific Standard time I informed Toyota financial services that the payment info will be sent to them and they informed me that I had gap insurance to cover the difference between the value of the with the insurance paid and what is owed on the loan I was informed once they receive the payment from the insurance company which they received on theXX/XX/XXXX that they will go ahead and effectuate my gap insurance. On XX/XX/XXXX I spoke with XXXX customer service operator ID number XXXX XXXX she was the nicest one out of all the people have spoken with Toyota Financial Services she explain the process thoroughly and was very professional and patient after her never was able to reach a professional agent at Toyota financial and all they kept asking for is money money money money money they have not updated my credit bureaus and Toyota is extorting money out of me on XX/XX/XXXX I spoke with Toyota Financial Services again the representative who refused ID herself other than her name was XXXX very rude unprofessional yelling at me told me to go to XXXX and it doesn't matter because I'm going to pay for it one way or the other she said I have a problem with it take it up with some company by the name of XXXX and she left me on hold for 37 minutes and 19 seconds today XX/XX/XXXX I called and representative states to me the outstanding account remains and I need to make a payment treated unfairly I've been threatened and now I think I need the help of the Consumer Financial Protection Bureau they're collecting money from the gap insurance and extorting monthly payments from the account holders Toyota are professional thieves and Mafia type and I need help I can be reached at XXXX Today XX/XX/XXXX I call Toyota Financial Services spoke with the representative and she states that the settlement breakdown of {$28000.00} is not correct but yet 3 phone calls prior to today the representatives all of them stated the figures are correct and that I should go back to my insurance company and get more money from the insurance company and give it to them I feel as if I'm being extorted
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| 12/05/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. I was told by the salesmanager I could n't unwind vehicle. I had n't even drove vehicle off lot yet. The vehicle was in the service 's bays when I seen vehicle the 1st time. I did n't take deliver of vehicle right away. I got the vehicle finally a week later the vehicle stopped on me I had to pay for towing back to XXXX XXXX XXXX the service manager XXXX came out and said we are not checking your XXXX vehicle called me a XXXX XXXX a few times and was yelling at me for no reason. This happened over 17 different times and no one from XXXX XXXX XXXX did anything to him. I had to call for another tow truck to tow my vehicle home then the next day I contact Toyota customer care and explain to them that XXXX XXXX XXXX refused to check my vehicle and so they contact a different dealership and so I had to pay for towing again since XXXX XXXX XXXX never added my warranty to my vehicle. So I get my XXXX towed to XXXX XXXX in XXXX they said sorry you will need to have XXXX XXXX XXXX add warranty coverages to this vehicle before we can check the vehicle or I would have to pay out of pocket. So this all has been going on for the next few months I get the consumers affairs and the new car board to step in they declare the vehicle a lemon law car in XX/XX/XXXX and Toyota financial services and XXXX XXXX XXXX and XXXX XXXX XXXX and toyota motor credit we all agreed to settle this matter with them buying back my XXXX XXXX XXXX and paying for my towing bills and rent a cars and car insurance and giving back my full down payment and deleting the item from my credit report. Well they still have n't did nothing to fix this matter. I paid every payment through XXXX XXXX I was late two times on paying cause I had to pay for rent a cars. I went to everyone to get help with this matter XXXX XXXX XXXX general manager XXXX XXXX did nothing but threaten me also. XXXX XXXX has called me a drug dealer and said he was going to expose me If I did n't stop filling complaints against his dealership. So every time I filled more and more complaints then XXXX XXXX XXXX and XXXX XXXX XXXX and toyota motor credit and Toyota financial services did nothing. Still nothing the vehicle is a lemon law car and Toyota financial services and XXXX XXXX XXXX and XXXX XXXX XXXX and toyota motor credit we all agreed that they were going to pay me back and pick up vehicle and delete them from my credit report. I need some reinforcement here.
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| 12/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/, I sent certified mail requesting a 1099 form for a closed Toyota Motor Credit/Toyota Financial account as mandated by the Internal Revenue Code ( 26 U.S.C. 6041 ) to XXXX XXXX XXXX XXXX XXXX. ( XXXXXXXX XXXX ), acting as the Trust Indenture for Toyota Financial. The correspondence also included a Notice of Rescission and instructions on how to handle the security interests of my principal. The correspondence was returned as " Rejected '' due to an " incorrect department. '' This lack of clear instructions hinders obtaining accurate tax information, especially for canceled debts exceeding {$600.00}, potentially violating IRS regulations.
XXXX XXXX failed to provide clear instructions on where to submit these requests, creating confusion and delay. This lack of transparency hinders my ability to manage my financial obligations and tax compliance, potentially violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), which requires furnishers of information to maintain reasonable procedures for ensuring the accuracy of information reported.
I am concerned about potential continued collection efforts and negative credit reporting for this closed account. This violates the Fair Debt Collection Practices Act ( FDCPA ) Section 805 ( b ), which prohibits debt collectors from falsely representing the character, competence, or status of the creditor.
My correspondence included a rescission notice under the Truth in Lending Act ( TILA ), outlining specific steps XXXX XXXX should take regarding my principal 's security interests. Failure to comply may constitute a TILA violation.
SEC Concerns : 1. Trust Indenture Compliance : I am concerned about XXXXXXXX XXXX XXXX compliance with its obligations as the Trust Indenture for Toyota Financial. The lack of clear communication and potential inaccuracies regarding account status raises concerns about transparency and potential violations of securities laws.
2. Disclosure and Reporting Requirements : The missing 1099 form and potential inaccuracies in account information may impact the completeness and accuracy of disclosures to investors, raising potential concerns about compliance with SEC regulations regarding continuous disclosure and reporting requirements.
3. Potential Misrepresentation : The confusion and discrepancies surrounding the closed account and related information could be seen as misrepresenting the financial condition of the security, potentially violating securities laws.
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| 03/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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My XXXX XXXX XXXX XXXX was stolen in late XXXX. XXXX was made aware of this and given copies of the police report and the insurance company 's contact information. The vehicle was eventually recovered in XXXX of XXXX, however XXXX had already marked the account as a total loss and therefore cut off access to my account online and they refused to take payments over the phone. XXXX still is reporting the payments from XXXX to XXXX as being late. From XX/XX/XXXX until XXXX of XXXX the account is marked as no info as that is the period when XXXX had closed the account.
During that time period I attempted to contact and pay these payments on numerous occasions yet no one at XXXX would assist me other than to say the account was closed. I even filed a Better Business Bureau complaint and XXXX replied to that by saying the account was closed. XXXX advised me to contact their insurance company who had a non-working email address and a phone number that had a message saying to try back later every time I called it.
Then without informing me, but likely due to the sheer volume of phone calls and letters I had sent to XXXX, they re-opened the account and the payments from XXXX through XXXX are now marked as delinquent.
In XX/XX/XXXX the vehicle was again stolen and in XXXX of XXXX, according to XXXX, the XXXX account was again closed. In XXXX of XXXX I finally was able to reach someone at XXXX in their internal collections department who agreed to accept payments. I have paid TXXXX over {$20000.00} in the past two weeks to bring the account current. And fortunately the vehicle was again recovered by the police. However when I requested an extension or forbearance on payments I was told to make one more monthly payment and they would make a compromise with me. I made one more payment as requested and then they refused to make any offer and blamed me for the payments being late while they simultaneously admitted that they had closed the account previously and would not ave accepted any payments.
I have attached documentation verifying all of the above information including XXXX response to the XXXX complaint that states I owed {$1100.00} ( one payment ), yet according the reports XXXX reported four late/missing payments up to that time. Included in the documentation is an email returned to me showing the XXXX XXXX email address did not work and a letter I sent to XXXX after the XXXX complaint in an effort to bring the account current.
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| 10/16/2020 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
Servicemember |
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Toyota Financial Services reported my husband and I, in XXXX of XXXX, to the credit bureaus and ruined our hard-earned credit scores, which were in the 800 range over a balance of {$23.00}. This balance was from a car accident that our daughter was involved in XXXX XX/XX/2018 XXXX, and it was not even her fault. Our XXXX XXXX ( lease ) was deemed a TOTAL LOSS, and our insurance company paid out all debts to Toyota Financial Corporation, or so we thought. We had no idea that there was a remaining balance of {$110.00} on this vehicle, which in reality ended up to be only {$23.00}, after Toyota Corporation received the Abatement Refund of {$92.00} in XXXX of XXXX.
Never once did anyone from Toyota Corporation call us to ask for this minimal balance. Long story short, in XXXX of XXXX, after receiving a letter from Toyota stating they reported us to the Credit Reporting Agencies, I immediately phoned Toyota Corporation and paid off the remaining small balance of {$23.00}, but the damage had already been done to our Credit Scores. I continued to ask Toyota Corporation for help to redeem back our high credit scores, and spoke with numerous customer reps/supervisors from various departments. All of them told me they had never heard a story like ours. They too were shocked that our credit scores were ruined over a small amount, and it was over a car accident that wasn't even our daughter 's fault. Repeatedly, I was told that there was nothing they can do on their end, and that the only option was to write the TFS Dispute Group. My husband and I wrote a letter to the dispute group at XXXX XXXX XXXX XXXX, MI ( no email or phone available ), and they denied our request to have our debt/report removed from all Credit Bureaus.
It has been over two years now, and we are asking CFPB to help us ask Toyota Financial Services to remove our negative credit hit/report, so we can redeem our hard-earned credit scores and qualify for better interest rates on loans. My husband and I have worked hard throughout the years to establish our credit scores. We have always and continue to pay our credit cards in full, making sure we never have a late payment. In addition, we have been loyal customers to Toyota Corporation by buying and leasing numerous vehicles throughout the years. We were devastated that this is how Toyota Corporation values loyal, and good paying customers. We look forward to a response, and hope for a good outcome.
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| 04/11/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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- On XX/XX/XXXX, my wife and I went to the car dealership Toyota XXXX ( located on XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) to buy a used car ( a Prius from XX/XX/XXXX ).
- We went in with an approval letter for a car loan from XXXX XXXX XXXX : a loan of XXXX $ ( the price of the car ), with a 5 % APR over 60 months ( and no down payment ).
- The XXXX salesman told us that they would run my credit score to see if they could beat my XXXX offer. So they ran my credit score and they checked with their financial service to see what offer they could give me. They came back with the offer of a XXXX $ loan, with a 9,9 % APR over 60 months, after a down payment of XXXX .
- Therefore, we aggreed to sign a contract with their offer ( in case XXXX did n't give us the loan ) and we gave them a XXXX $ check for the down payment. When we were signing the contract, they even said this contract is just in case you do n't give us the check of the loan you expect from XXXX.
- A week later, XXXX called us to tell us that they changed their mind and that they would not give us the loan. We tried for three weeks to get this loan with UME, adding my wife on the loan and providing additional paperworks, but XXXX refused.
- So we called Toyota and told them that we will honor the contract they established - with their financial service - based on my credit score, and that we will send them the first payment on XX/XX/XXXX, as specified on the contract.
- This is when Toyota told us that the contract that we signed was optional and that we needed to come back to their office in order to sign a new contract, with a higher APR.
- We read the contract many time and we even talked about it with a lawyer friend, but it is specified nowhere that the contract is optional. Plus, the offer ( and the APR ) they offered us in the first place was already based on my credit score and profile. It was approved, on XX/XX/XXXX, by their financial service before we signed it.
- Toyota called us again. When we said that we could not see anywhere that the contract was optional and when we asked them to provide us legal proof that we had to sign a new contract, the Toyota salesman said we have been fair to you so now you have to be fair to us and come sign a new contract. When we insisted on seeing a legal reason to do so, he said that he would transfer us to his superior ( which he did n't ) and threatened us to repossess the car before hanging up.
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| 04/16/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I had a XXXX XXXX XXXX plugin leasing car which I returned to XXXX XXXX XXXX on XX/XX/2018 and at the same time I purchased a new XXXX XXXX XXXXXXXX XXXX there which was the best option offered to me that day.
I really enjoyed my leasing car and kept it very well, replaced with new tires before returning it to toyota. The only damage was the windshield crack caused by a flying stone while driving on the freeway. When that happened, I first checked with my car insurance company and was told that it would be fully covered if I want to fix it. Since it was a leasing car, the insurance company suggested me to contact Toyota. When I called Toyota, I was told that I don't need to worry about that at all because it is not personal damage. Then I didnot bother to let the insurance company fix it.
On XX/XX/2018, when we shopped around for a new car at XXXX XXXX XXXX, the persons there again confirmed me that should not be an issue at all and they even told us, if we didnot tell them, they even could not notice that. Happily we returned the leasing car there and got home with a new XXXX XXXX XXXX XXXX.
To our surprise, more than two months after we returned the leasing car at Toyota dealer, we finally received the leasing end statement from Toyota Financial Services ( XXXX XXXX, XXXX XXXX, IL XXXX ) with a {$1000.00} plus tax {$81.00} for excessive wear and use ( just the windshield replacement ) in addition to the {$350.00} plus tax for the disposition fee. Moreover, they put due date of XX/XX/XXXX, only 13 days after we received the final statement, which is really unfair.
Toyota kept informing us before our return and at the time of our return that we don't need to worry about and which is not a personal damage at all. Otherwise we could easily get it fixed by our insurance company for free before the lease car was due for return.
According to XXXX XXXX that a windshield replacement typically costs between {$100.00} and {$400.00}, including labor with the average cost ranging between $ XXXX {$230.00}. The estimates from my local body shops are all about $ 200- {$250.00}. It is ridiculous that a car maker needs to charge total {$1100.00} for a windshield replacement.
It is hard to believe they scam their customers this way, especially we immediately purchased a new XXXX XXXX at the time of returning the leased car. We really hope you can do further investigation and assist us in resolving the issue.
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| 06/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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My XXXX XXXX passed away, under tragic circumstances, in XX/XX/2023 and had an auto loan account with Toyota Motor Credit dba Toyota Financial Services . I called the number listed on one of the billing statements to advise them of his death the first week of XXXX and upon receipt of his official certificate of death, it was emailed to them on XX/XX/2023 and I even advised where the vehicle could be located which the attached email correspondence will support.
According to the credit bureau update that has been included as well, they were fully aware that my XXXX was deceased and yet, another billing statement was issued on XX/XX/XXXX -- - 30 days after they were informed verbally and in writing. I spoke with XXXX in Collections/Customer Service and then XXXX in the Redemption Department on XX/XX/XXXX, the day the letter was received, and formally complained to them both about the egregious mishandling of my XXXX XXXX account. Both employees advised that because I was an unauthorized third party, they couldnt comply with my request to indefinitely suspend billing cease statements, despite knowing my XXXX was deceased. By far, the most ludicrous explanation ever. To make matters worse, a redemption letter was received in the mail today, dated XX/XX/XXXX, one week after I contacted Toyota Financial Services for the 3rd time, indicating the steps my deceased XXXX can take to recover his repossessed vehicle.
Toyota Financial Services is one of the largest auto loan companies in the country so why dont they have deceased notification protocols in place and governing control checkpoints to ensure compliance and adherence to those standards? Toyota is the only creditor who has demonstrated such an abhorrent lack of empathy, unprofessionalism and insensitivity as it relates to this matter. In fact, upon verbal and written notification, all of my sons other creditors immediately ceased ALL written correspondence and provided confirmation that his account would be closed, and their records would be denoted as uncollectible since there's no estate. Why a request to cease and desist, under the circumstances, is being ignored by Toyota Financial Services is incomprehensible and unacceptable. Being compelled to revisit this situation is distressing and has compounded the trauma of losing my son. Be advised, a formal complaint was also filed with the State of TX 's AG Consumer Protection Division as well.
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| 12/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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On XXXX XXXX XXXX I borough a XXXX XXXX XXXX from a XXXX dealer where I give a trade-in and in order for me and my son to have the deal done was that I had to get all the extra warranties ( GAP, Tire & Wheels, Prepaid Maintenance and Vehicle Service Agreement ) if I want the loan even that my son 's credit was about 700s and my around 650 so we accepted the deal. This happened in XXXX
Now, on XX/XX/ we relocate to XXXX due to my work, by the beginning of XXXX my son and I decide to cancel the extras warranties and I call multiples dealers around the area and i got told that the original sale dealer is the only one who can cancel it also called the XXXX XXXX and was the same answer at the same time.
On XX/XX/ I took a flight from XXXX XXXX XXXX XXXX just to be able to cancel the agreement in person just because the dealer said it that was the only way to do it.
My Agreement Cancellation Request was done at the dealer on XX/XX/ causing me expensive like flight fare, missing work, food, transportation and I got told that this process will take around 4 weeks to be done. At week 5 after cancellation date the refund was not resolved, I called the XXXX XXXX to get an update on the cancellation status and my surprise was that they did not have any record of the request, so I proceed to ask them if I can cancelled my self with the " Agreement Cancelation Request '' that I got from the dealer and they accepted so I faxed and email it to them 3 days later.
By week 6 after cancelation ( 1 week later after I faxed and emailed documents ) XXXX XXXX still have not process my request. After multiples calls that last several days to the dealer and the XXXX XXXX finally by the end of XXXX the XXXX XXXX revived my Cancellation Request but they told me that they have 30 day to credit it to my account.
With all the digitalization and technology aviable at their own convenience for sales only in todays day still a nightmare to do a cancellation but it is not a promised or guaranty that this will take 30 days max may be more if is necessary they said In the meantime I still pay interest for all that money in a daily basis that no one want to be liable for it and somebody should have between XXXX XXXX and Dealer.
There is not respect to customers went comes about cancellations and claims but went is about sales of course there are the # 1 and exceptional in what they do because is convenience for them.
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| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
TOYOTA MTR XXXXXXXX Date Opened : XX/XX/2016 Balance : {$0.00}
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| 01/31/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Problems when you are unable to pay
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Web |
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I have a lease agreement with Toyota/Lexus Financial Services. Due to an unforeseen temporary XXXX and XXXX my loan has become delinquent. I contacted numerous customer service representatives to request a loan deferment which is advertised in the finance options provided by the company. Unfortunately, I was charged {$300.00} per deferment month, which is excessive and XXXX of the required payment. I adhered to the agreement, paid the fee and signed the forms. Yet, my account still reflects a severely delinquent payment status and the agreement has been unjustly withheld by an account representative allegedly in the " Lexus Executive Corporate " offices in California. I was provided with a XXXX XXXX number and a recorded message left by a XXXX XXXX XXXX I attempted to return the call but only spoke with a hostile male representative who in prior days refused to provide truthful account information regarding my balance and a viable and fair solution to bring my account current. In essence the male representative was deceptive and only provided a predatory payment solution with interest rates that reflect the discriminatory rates which sparked the XXXX XXXX dollar class action discrimination law suit. Lexus/ Toyota practices regarding individuals with minority profiles has not changed. In fact the tricks and lies prevent consumers from incurring excessive fees and repossession. I am a certified educator who has conveyed to the company that I am seeking to finance my vehicle through my credit union. This is not possible if Lexus Financial refuses to allow me to bring my account current with the agreement verbally and documented. The account representatives are participating in fraudulent practices such as refusing to provide accurate account information regarding payments due. In fact, I have had my account reported delinquent due to a monthly payment of {$16.00} owed and the information intentionally withheld to " force " my account into a full demand for payment status. The interest has is more than XXXX points. My car was obtained in XXXX of XXXX. I am seeking to have XXXX full payments added to the balance ( months of XXXX & XXXX ) partial payment for XXXX {$250.00} accepted, XXXX XXXX, XXXX payment accepted paid in full by XXXX XXXX, XXXX. The XXXX payment due by XXXX XXXX, XXXX. This will allow my payment to become current and obtain fair financing by my credit union.
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| 09/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem extending the lease
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Web |
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I would like to publicly say that I am terribly offended by Toyota Financial throwing every misleading fact in my face. I received their recent response regarding my more recent compliant and it seems that they are A ) denying that I had any sort of problems with their electronic payment system JUST because they had no " widespread issues ''. That is awful because I ACTUALLY did have issues sending out my payment and the same error was happening on my app. I don't appreciate being quoted generic regulations and rules when I do not believe the company is being transparent with me or the CFPB. I never selected to remove my banking information and get off of autopay ... why is THAT not being investigated? i can not understand why that happened. They want to make me feel like the only responsible party but why can't they understand that electronic error can occur too. I have been a great customer and this is ridiculous.
B ) The only calls I was getting was from their agents attempting to get me to buy a new car and telling me that with my exceptional credit history I can get a new car and not pay end-of-leasae fees and so I asked you give me time and they set me up on an extension, month to month lease ... whatever they are claiming for XXXX and XXXX was during that interim phase where I had NO CLUE what I was supposed to do because they had damaged my CREDIT. My lease contract was up so why was I not instructed and given a contract for the extension so I know what is due and when? without a contract and anything in stone Toyota can not keep throwing lies in my face. Their agents who call are so greedy and so busy trying to convince consumers to get a new car, fall under more debt and are lied to and told the sooner we decide the better for us that they actually dont care that they are single handedly DAMAGING our credit in the mean time! Is it not ironic that the months you called me to convince me to get a new car you ruined my financial life? Honestly, XXXX/XXXX were not my fault, do not throw it on me. you say I got this call and that call but why dont you be honest and say WHY you were calling me? Not to tell me my autopay was disabled and that my payment didn't post, your company was calling me to solicit a new car. I do not understand why and how the autopay was removed and I do not understand why you won't release my calls to government agents here at CFPB?
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| 05/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This letter was sent ( by mail ) : XX/XX/XXXX They have not got in contact with me since and I still have this on my credit TOYOTA MOTOR CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : Unauthorized inquiry to my consumer report ; demand {$1000.00} settlement To TOYOTA MOTOR CREDIT You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. for unlawfully obtaining my XXXX XXXXonsumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A shall not use or obtain a consumer report any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified by section 1681e of this title by a prospective in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp. 2d 711 XXXX XXXX XXXX. XXXX ).
I have not initiated any transaction with TOYOTA MOTOR CREDIT. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with TOYOTA MOTOR CREDIT for review or collection.
Furthermore, under the FCRA, Any person who knowingly and willingly obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q.
As a result of you unlawfully obtaining my consumer report without a permissible purpose, you are liable to me ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees, 15 U.S.C. 1681n ( a ).
For the sake of the judicial economy. I am willing to settle this matter without any admitted liability. I offer a full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of my consumer report from the consumer reporting agencies and ( 2 ) pay me {$1000.00} and deliver it to my address above within 14 days of receiving this demand.
Please be advised that I am prepared to litigate this matter if you do not comply with this demand. Upon timely receipt of the {$1000.00} payment, this letter shall be a general release of all claims herein.
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| 04/17/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Fraudulent loan
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Web |
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One of the first and most glaring issues is in relation to the underlying contract signed by myself, XXXX XXXX, and my daughter, XXXX XXXX. On XX/XX/XXXX, believing the contact at hand was final, we took possession of the XXXX XXXX XXXX. According to XXXX XXXX of XXXX- on XX/XX/2021 we needed to return to sign another contact as the contract at hand was not final and that XXXX required a three year maintenance warranty to complete the transaction. This was an obvious attempt at tie-in-selling for a lower payment ( Anti-Trust ) and was part of the spot delivery scam being executed by the dealership.
As indicated while on the phone, all of which are recorded conversations, we did not want an additional warranty nor the original extra care warranty. It appears, from XXXX XXXXXXXX account XXXX, those wishes were not honored. Shortly after refusing to sign more paperwork, XXXX XXXX texted that the payment was lowered to {$800.00} and we would need to sign new paperwork... again. Sometime thereafter on XX/XX/XXXX the account became {$810.00} with the warranty tied in to the price.
During the phone conversation on XX/XX/2021 the money factor / interest rate was requested numerous times and those requests were refused. A full payment breakdown was refused because it would require too much time to print off. To date we have never seen the final documentation and XXXX XXXXXXXX claims XXXXXXXX XXXX is in possession of the warranty documentation.
It has also come to my attention during the investigation of these issues that the trade in vehicle was undervalued by nearly {$3000.00}. The vehicle trade was based on BASE MODEL pricing, but the vehicle, which is evidenced by screen-capped and recorded sales offerings on various websites including XXXX XXXX pre-owned wesbite, was sold as the XXXX MODEL. At this time the vehicle has been sold for {$17000.00} according to the BMV online.
This entire transaction has been a farce. The documentation provided at the dealership had no proper notice of cancellation and no rights were given to alter the transactional documents without approval. There are also multiple forged signatures on the warranty and contract provided by XXXX
We have tried for months to get the dealer and lender to correct the issue, with the dealer offering to pay for " months '' of the lease, but that is in adequate given that the loan is not legal.
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| 03/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
Servicemember |
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Purchased vehicle on XX/XX/2020. During negotiations we repeatedly told the sales person we did not want to pay more than {$400.00} a month, he kept trying to get us to budge and we stated no time and time again. We finally agreed on {$400.00} a month with a 75 month term. We meet with a woman in finance to sign paperwork, the only thing she verbally tells us is that we were approved. She did not tell us the terms - this includes the APR, how many payments ( months ), or what the payment will be. She presents us paperwork and points where to sign, and then gives us a digital keypad and tells us to sign. I found it odd that nothing else was ever discussed regarding the loan terms, but my husband was getting this vehicle under a sensitive nature and I did not want to intervene, I assumed the negotiations had already been discussed so it would be fine. We received a generic packet in the mail that had our account number so I was able to open our account online to pay the bill and this where we learned our monthly payment was higher than we discussed. Right away my husband called the dealership to discuss, he first got the sales person we worked with and he referred us to the finance person, my husband left a message on their voicemail. We did not hear back. My husband called two more times and did not receive a response. I wrote a review on XX/XX/XXXX on XXXX and a couple of other sites and then finally someone contacted us, but even then they write I am sorry we were unable to find you in our database - my first and last name was listed, are co-signers not in the databases of XXXX? It felt like they were trying to make my review look less legitimate. I wrote with someone via XXXX messenger and after a few attempts and messaging with several different people over who would help me and a day later the finance person spoke with my husband and basically said what we discussed with sales was only ballpark and we signed paperwork and there was nothing she would do for us. We did not find this answer acceptable and I wrote Toyota corporate XX/XX/XXXX, XXXX, XXXX and XXXX - the first two times they responded someone would be in touch, the last two there has not been a response. I have backup emails and messages from XXXX along with my previous written reviews. Deeply disappointing experience and we find in upsetting that no one is even trying to resolve it with us.
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| 07/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
6. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
7. Identity Theft XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
12. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine.
13. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine.
14. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine.
15. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
16. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
17. Identity Theft XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
18. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine.
19. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
20. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
21. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
22. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
23. Identity Theft XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
24. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
25. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
26. Identity Theft TOYOTA MTR Account XXXX : XXXX This is not mine.
27. Identity Theft XXXX Account XXXX : XXXX This is not mine.
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| 03/15/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I wanted to pay off my lease. So I went to the website and I got the payoff figure. I was instructed to call the hotline to make a payoff. After calling them, they could not give me specific instructions on how to payoff my lease. They said to go to the bank and have the payment wired. They could not provide me a reference number to wire the payoff funds. They said the bank would know where to route it. I said I was uncomfortable with this approach.Then they said to go to the dealer. I went to the dealer and the dealer stated that they do not process payoffs and I needed to go through TFS. I called TFS again and they instructed me to make a payment online. So after calling TFS again, they said to make a payment instead of my normal reoccurring payment. I submitted a lease payoff payment of {$30000.00} on XXXX XXXX and it cleared my bank account on the XXXX. I called to follow up on the XXXX and they advised that I needed to fax documentation in. This was never told to me in any of the conversations with TFS. So I faxed the documentation in, and I went on to the website and now it shows I owe 2 months payments and I have concerns that I will be reported to the credit bureaus. I followed up again on XXXX XXXX and I was told that XXXX page of the document was n't received and they needed that page sent in. I sent it in that day and followed up today. Today I was told that a different document was missing and the payment was returned back to me. I then pushed to speak with a different person and they said they have received my payment and they have all of the documentation required.
My concerns are as follows : - I sent in money and they received it- No one contacted me to provide any paperwork - When I sent the paperwork in, no one contacted me to say they received it or that they were missing anything - Once my money and the first instance of paperwork was received, I believe my account should have been frozen with no more payments be required until further notice. At the very least I should n't have to make the full monthly payment. I am currently late {$880.00} on a $ XXXX payment.
- Each time I contacted TFS they had little to no idea how to process a payoff, what was going on with my account, and how to handle it.
- I had to spend at minimum 30 min but up towards an hour on each phone call. I made at least XXXX6 phone calls just to payoff my lease.
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| 02/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I received a statement from Toyota Financial Services on XX/XX/XXXX showing that I only owed {$1.00} due XX/XX/XXXX. I called the company to see if this was correct. The lady I spoke with said yes the {$1.00} was an unpaid late fee which I am removing so you now have a {$0.00} balance. I also have the Toyota Financial Services APP on my phone and checked it again at the beginning of XXXX and it showed I had a {$0.00} balance. XXXX the XXXX I went in to make the XXXX payment due on XX/XX/XXXX still only showed I owed one payment. I went back in the app on XX/XX/XXXX to schedule the XXXX payment for the XXXX and noticed that I owed 2 payments. I called Toyota Financial Services right then to see what the problem was. The lady was very rude and absolutely no help. She said at the time I was now 9 days past due on the XXXX payment and I must pay it with the late fee. I explained to the lady what happened an again very rude. I called back a few days later during the day and got another lady that was absolutely no help. She proceeds to tell me the same thing the payment is due and there is nothing they can do for me. I advised that I always make my payments on time and would never wait 26 days before making a payment and there is no way I can come up with the 2 payments this month because I was definitely not prepared for that. Asked if they could defer the payment since it was there fault and she says no they cant do that. She said when I called in back in XXXX they noticed that something must not be right and looked into it then found the error in XXXX so the payment is due. I advised the lady that I understand that it's due, but it was there mistake so could they please defer it. She would not. I hung up with her and called back in today XX/XX/XXXX. I got another lady who is no help. She said it states in your contract that you have to make a payment each month. So its not our fault and you owe the payment, we can't do anything for you. She proceeds to ask when I will be making the next payment for my XXXX payment ( which should be for my XXXX payment ). I told her I will be making the XXXX payment on XX/XX/XXXX and then will be refinancing with another company. This is literally the worse place to do business with. I will never finance anything with this company again and something needs to be done with the way they do things and how they talk to people.
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| 05/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XXXX XXXX, XXXX my bank account was debited {$600.00} twice from Toyota Financial. I called and they informed that I made a payment online on XX/XX/XXXX and again on XX/XX/XXXX both for {$600.00}. This was MY error ... however I don't remember doing the payment on XX/XX/XXXX. They said they were only able to return one once they finish processing, then I would get a check in the mail in 7-10 business days. I told them I would call my bank and place a stop payment, which would return both payment, then I would schedule another one. I did just that, and I received an email confirmation that my new payment was scheduled ( Confirmation number XXXX ). Today I go to pay my XX/XX/XXXX payment and its telling me I owe them more than {$1600.00} by XX/XX/XXXX. They never applied my payment from the end of XXXX. I called to find out what was going on as I have received no email, phone call or any communication that I am past due. The first woman I spoke with told me I was on a DO NOT CALL list ... I NEVER told them to add me to that list, I asked how that happened and figured that is why they didn't harass me after my payment was late. She said she can not tell me, I asked for a manager, she told me they can't help and continued to talk over me, I didn't even get to my questions, she had me on hold and I wound up hanging up 13 minutes into the call because I was unable to continue to wait. I called back and the next rep tells me she had no record of the payment I have the email confirmation for. She also told me my {$600.00} payments were returned NSF, which is also not true, they were returned due to the stop payment, which I told the rep back in XXXX I would be doing. Now the company will not let me make a payment online, I have to call, I am unable to use my bank account and they are unable to find that payment so its on me. I MADE MY PAYMENT. Its reflecting I am 33 days past due now which will reflect on my credit eventually and now I will have to go through the hoops to dispute this. My issue is my credit and the fact that SOMEONE added me to the do not call list without my permission. Had I received a call, I could have fixed this right away. I need to know who did this to my account and also WHY the payment I have an email confirmation for did not go through and doesn't reflect online. I also want the ability to pay my car loan online back.
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| 01/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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In XXXX of 2020 I was laid off from my position due to Covid19. I have a small car loan with Toyota Financial, and they agreed to a forbearance program for the months of XXXX through XXXX. When the 3 months expired, I called and asked them for an extension, in which they agreed to. They stated that I had to sign a new agreement form and send it back to them. Upon receiving the new form, I signed it and sent it back immediately. I did not hear anything more from them so I did not make my XXXX and XXXX payments. At the beginning of XXXX I received a phone call from Toyota Financial 's collection department stating that I was behind on my payments. I explained that I had an agreement that I would not have to make the payments for the months that they claimed I was delinquent, and they stated that they did not received my signed form back so they did not put the agreement through. I never received any notice up until this point that they had not received the form, or that any payment was being considered late. I asked the girl if I should pay something in order to not have my credit effected, and she stated that she was going to send a new form and as long as I signed it and sent it back that I would be fine. I did so immediately. A week later, I received a notice fromXX/XX/XXXX XXXX whom I have a monthly monitoring service with ) that Toyota Financial had reported a 30 and 60 day late on my credit report for the months of XXXX and XX/XX/2020. I immediately called them and they claimed that there was nothing that they could do. I filed a dispute with all major credit reporting companies and the results came back that they took the 30 day off for XX/XX/2020, and kept the XXXX delinquency on my report, changing it to a 30 day late. I have now re-disputed my case with all credit agencies 3 times, providing the documents from Toyota Financial that prove I was not to make my payment for that month. The results continue to come back the same, Toyota Financial refuses to remove this from my credit report. I have also contacted Toyota Financial numerous times only to be told that they will not help me. I am XXXX years old and have never in my life had a single late payment. My credit has dropped 100 points due to this and I am hoping that someone can help me to get this removed from my credit like it should have been from the beginning.
|
| 09/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I was contacted by a Toyota Financial employee today through my workplace. She immediately started discussing my laps of payment of {$450.00} ( less than 30 days ) to the person who picked up the phone used by my office. My supervisor was the one who answered the phone and the caller, as stated, immediately started discussing the delinquent payment without verifying who she was speaking with. She only stopped when my supervisor interrupted her asking who she was trying to speak to. My work eligibility is reliant on my credit and take these types of calls especially seriously which is why at the beginning of the loan we asked that Toyota Financial not contact me at work. The reasoning for the late payment was due to it previously being on auto payments through my bank. As my wife deals with most of our finances I mistakenly thought the auto pay was through Toyota. I called to speak to them about this and see why it was not on auto pay. The representative started the call by stating that there were two payments pending in their system, one via web ( which my wife did ) and one via their " app-based '' payment system ( which neither of us have ). At the time I did not know if my wife had made two payments or not so did not question this at that time. We discussed the auto pay where he informed me it wasn't set up through Toyota. As I attempted to end the call he said we weren't " finished '' as I had not yet paid. This was incorrect as we had previously discussed 2 payments were pending. In discussing the issue I had of the other representative calling and speaking to my supervisor he stated that would not have happened. When I explained that regardless, it had occurred, he blamed me for it occurring saying she wouldn't have called if I had paid on time despite being aware that it was a simple technical error. After discussing the calls with my wife I found out she had only made one payment. The account was checked and found to have 2 payments pending. The only payment authorized by us was via the website at XXXX, XX/XX/21 ( today ). I have cancelled the secondary payment but only knew about it due to me calling Toyota Financial a second time. I know it doesn't necessarily have bearing on FTC related complaints, but it is worth noting both representatives were extremely rude in their conducting of each phone call as well.
|
| 01/12/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
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Web |
Older American, Servicemember |
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In XXXX 2015 we recieved a call from an agent at XXXX - XXXX California advising that they are calling all existing lessors that are near expriration to participate in their early return and exchange program and to bring the car for inspection to qualify. I had a XXXX month lease and it will be up in about 5 months. That following week after we got the call, we decided to bring the car in and get it inspected to see if it would qualify into their early return and exchange program. We waited in the dealership while the car is being checked and several hours after that the agent came back and advised us that everything is good and the car was inspected and checked and it is qualified for the said program and that we can select another car or a totally different car and they will take care of terminating the existing lease and the remaining lease and terms.
We had chosen to upgrade from a XXXX to an XXXX and they asked us to pay for the additional funds to get to the chosen car and we then went on to sign up for a new lease and this time for more monthly payment. We ere coming from a an almost double the monthly payment from $ XXXX monthly to {$680.00} monthly. We paid the additional required down payment, signed the new lease and we drove out with the XXXX.
Four months later, we received a call from someone at XXXX XXXX advising us that we owe them over {$3000.00} for excess mileage. and we argued to them that we do not believe it so because the dealership did not adrress it then in XXXX 2015 when we exchanged the XXXX to the new XXXX into their so called early return and exchange program and their inspecttion should have addressed that before we even get lured into signing for a new lease. Had we known that then, we should not have gotten into their bait and switch and that they are misleading the consumers and come back to it after the fact and almost to a point of no recourse.
Honestly, our original plan was to keep the XXXX hybrid lease because of low fuel consumption and we would have gotten it re-written to a purchase but because we were misled the other way, they had induced us to sign up for a lease that is from a {$390.00} to a {$680.00} monthly and they are asking us to pay {$3700.00} thru a collection agency - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ext XXXX as per letter recived from XXXX XXXX of this outfit.
|
| 10/17/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
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Web |
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I leased a XXXX XXXX ES XXXX through XXXX XXXX in XXXX, VA in XXXX XXXX. In XXXX XXXX, my sales rep, XXXX, called me and asked me if I would like to turn my vehicle in early ( lease was up in XXXX XXXX for a new vehicle and told me that it would really help him out if I did. I told him that I would only do it under XXXX condition though and that was that they take care of my excess mileage that I had on the vehicle. He assured me that they would take care of it and that I would not be charged for it and kind of acted like that was what they did when you turned in your vehicle and leased a new XXXX. I did decide to go forward with the deal and lease a XXXX XXXX IS XXXX at the end of XXXX XXXX. Shortly after I received a letter in the mail saying that I owe {$1300.00} for excess mileage and I ignored it because I thought it was sent in error since my sales rep said the mileage would be taken care of by the dealership. I called XXXX XXXX multiple times for other issues and never once did they mention that I owed anything else related to the vehicle until this past summer when some lady said oh hey by the way, did you know that you owe for excess mileage on your old vehicle and obviously my response was, of course not! Immediately after she told me, I called my sales rep and he informed me that he no longer works for XXXX and to call XXXX. I left a message for XXXX at XXXX and he never returned my call. Then I called XXXX again because I needed my title number and told the gentleman ( ca n't recall his name right now ) that I tried to reach XXXX regarding this issue and that he never called me back. He said he would deliver the message and I told him to make sure that XXXX calls me after I return from XXXX in XXXX weeks. I never received a call back. Then I called XXXX XXXX, the XXXX XXXX XXXX, XXXX weeks ago and he said that when he pulled up the contract he saw nothing about the dealership taking care of the mileage. I explained to him that this is clearly a mistake and that I would n't be calling him a year later about it if it was n't because I would have already paid it. He said he would call XXXX and call me back but he never called me back. I just received a letter in the mail that my account has been sent to collections. I have tried to resolve this and no one is helping me ( clearly ) so I have resulted to this.
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| 11/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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when I purchase this car I bought extra coverage in case of damage to the car from XXXX Toyota called Guaranteed Auto Protection ( GAP ) program from Toyota Financial Services. According to my loan contract ( attached ) no other insurance is required. Also my auto loan is with Toyota Financial Services. On XXXX I has a collision which my car was totaled and the police officer at the seen suggested I put the car in impound. I contacted Toyota financial and the told me they 're going to have the car towed to the nearest dealership, I also contacted the Toyota GAP to file claim and they told me the the Toyota financial services loss department has to file the claim. I also contacted my insurance and they denied the claim since it was my fault. I received a letter requesting my insurance information from Toyota and I fax it to them with police report. It took over 8 months for the account to go to loss department. I contacted the loss department and I told them that I have GAP ins and they told me loss department has to file the claim they told they would. Every time I called the Toyota GAP they told me and transferred me to Toyota loss department and would n't help me. I was transferred so many times between the department and I did n't receive any request for document except the intitial insurance information. I waited 5 months when I called Toyota loss department they told me that Toyota GAP has denied the claim and that my file is empty and they have nothing to provide Toyota GAP. Also they did n't know why Toyota gap denied claim. I called Toyota GAP and they transferred again to Toyota loss dept. and they transfer my to Toyota recovery and they told me that the account has gone to collection and they wont take calls from me that whatever question I have to call the collection department. The collection would n't help me I called so many times Toyota GAP till I got the letter enclosed the requested item from Toyota GAP to pay the claim and I see that Toyota loss department could have provided all of these items and I have them too with the exception of the " lienholder/lesser report '' in lieu of the repair estimate. I need this form to have the claim paid. I want this file reopen and all of item on the Toyota gap request to be sent to them to have claim paid and writ off to be removed from the loan.
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| 08/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under : XXXX XXXX XXXX XXXX reference number XXXX, and TOYOTA MOTOR CREDIT reference number XXXX are disputed.
The vehicle in question was purchased on or about XX/XX/XXXX, financed by TOYOTA MOTOR CREDIT, repossessed in the state of ARIZONA in XXXX, and sold by TOYOTA MOTOR CREDIT on or about XXXX.
Under the law and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the leg
al notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. I currently have not received any of the required notices which were supposed to be properly and timely given, and all of the allowable redemption and cure time limits were supposed to be adhered to.If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system to let me know their will be a deletion of the trade-line.
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
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| 08/03/2021 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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On XXXX XX/XX/XXXX, I received a phone call from The Toyota Financial Services Deb Collections department about owing XXXX $ on my car lease. I explained that I would not be making any payments until I verify where/when a payment was missed. I checked both my bank statements from the start of my vehicle lease up until present day and I could not find a month where a payment was missed. I also checked my billing statement on the Toyota Financial Services App and it does not reflect any missed payments. I called XXXX Customer Service again and was told that a payment from XX/XX/XXXX ( over a year ago ) did not go through and for some reason I am barely finding out about it now. On my TFS app, it doesnt reflect any payments not going through for the month of XX/XX/XXXX, in fact, I have the payment confirmation. When calling TFS, their automated system specifically states to use the confirmation emails as proof of payment due to technical difficulties. I explained to the agent that my billing information on their end is incorrect as both my billing statement and my bank statement reflect the payment was made. I was told that the payment got returned regardless of what proof I have and that I would need to pay the XXXX $ in order to stop this from damaging my credit tremendously since it would be reported to the credit bureau tomorrow ( XXXX XX/XX/XXXX ). I then went to my bank, and had the bank representative scrub through any possible returned payments and was told that on their end, it reflects that the payment was made. I then called the TFS Debt Collections Department and was put on hold many different times, the representative then told me she didnt see where the mishap was but that it would hit the credit bureau tomorrow ( XXXX XX/XX/XXXX ). TFS can not provide me with an email so I am unable to send them these statements and confirmation emails from them showing that Ive paid all my bills on time. I researched them online and many other people have had issues with this financing company. I feel I am being scammed by Toyota Financial Services due to the fact that they can not provide me with any proof that my payments haven't been going through along with their unwillingness to be able to accept my documents proving I have made my payments thus causing my credit score to possibly be affected.
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| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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In XXXX of XXXX I reached out to Toyota Financial Services ( TFS ) to make an arrangement to pay off my auto loan debt after I voluntarily surrendered it in XX/XX/XXXX. I was told that it need to be placed with a collection agency before I can set up any payment arrangements. Several calls and months later the account was still not placed. I contacted the TFS general customer service department 3 times on XX/XX/XXXX and received 2 additional departments to contact because they are not allowed to discuss this account because it is not with their department, and that I needed to speak with XXXX ( the collection account holder ). I spoke with XXXX XXXX at XXXX who stated she could not pull up the account. I asked for a supervisor and was informed that the account was recalled in XXXX of XXXX. I never received contact from the collection agency nor was it reported with a new collection on any of my credit reports. I was referred back to TFS Recovery because the account was recalled. When I returned the call I spoke with XXXX agent ID : XXXX, and was hung up on after explaining my situation. I then spoke to XXXX agent ID : XXXX who confirmed XXXX notes and transferred me to a team lead. The team lead could not explain why I was never contacted by the collection agency or why it has not been replaced for collection after one year. I believe the lenders behavior violates section XXXX # XXXX of The Fair Debt Collection Practices Act which states The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.
I believe that the lender and or new collection agency deliberately failed to update my credit report with the appropriate contact information to contact XXXX to resolve my debt which prevented me the opportunity from arranging a settlement agreement ; leaving only the option to pay in full through Toyota Financial Services. I have yet to speak with any supervisors/managers regarding my issue and was told that they are unavailable on many occasions and that it will take 3 weeks for someone to call me back. I am filing this complaint to seek all remedies afforded to me under the Fair Credit Reporting Act as your department sees fit. My account number for TFS is XXXX. Thank you in advance for your help in this matter.
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| 05/14/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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This letter ( XXXX personal information ) was sent to Toyota Financial. I believe it properly outlines the issue.
Agent, I 'm sorry to report that Toyota Financial is in violation of Federal Law regarding my purchase of a XXXX Silver Prius.
In XXXX of XXXX, I contacted XXXX and advised that I must Voluntarily Surrender the aforementioned vehicle, as I 'd been XXXX mandated to stop working permanently and was, as of XXXX XXXX, XXXX, considered Permanently XXXX in the eyes of the Federal government.
I advised XXXX that, without the paycheck I had in place upon purchase of the vehicle, I could no longer maintain payments as arrange, and would Surrender the Vehicle voluntarily. Working closely with XXXX and following directions exactly, I left the car and keys with a XXXX dealership.
Not until XXXX, XXXX XXXX, when I tried to rent an apartment, did I discover that Toyota Financial falsely reported the Vehicle Surrender as a Repossession. My credit score had dropped from a typical mid-XXXX, where it stands, with Repo - a low XXXX.
I called Toyota Financial on XXXX/XXXX/XXXX to inform an agent of the error, but was told by a woman who declined to giver her surname that " XXXX considers a Voluntary Surrender and a Repo the same thing ''.
Because of Toyota Financial 's ignorance of Federal Law, - and only because of this carelessness, I am a homeless, XXXX person. Please refer to XXXX 's Violation ( the XXXX thus far identified ) : Subpart E of Regulation V, 12 C.F.R. SS 1022.42 ( a ), the implementing regulation of the Fair Credit Reporting Act, 15 U.S.C. SS 1681, et seq ( FCRA ).
I demand that XXXX not only immediately correct its wholly preventable and previously-correctible error to the the major reporting agencies, but at once supply me with documentation of XXXX 's false reporting so that I may obtain shelter for myself in this, my Permanently XXXX status.
Please be advised that Toyota Financial 's erroneous and probably deceptive action will very soon be reported to the Consumer Financial Protection Bureau on the Federal Level, to the State of California, and to the XXXX prominent credit reporting bureaus.
I will remain homeless, because until Toyota Financial corrects its own ghastly and likely deliberate reporting. Please reach me as soon as you read this correspondence.
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| 08/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Toyota Motor Credit has recently submitted negative activity to the credit reporting agencies regarding the status of my paid in full car loan. I paid my vehicle in full effective XXXX XXXX. The payoff was reflected on all three credit reporting agencies effective XXXX XXXX. I received a letter from Toyota dated XXXX/XXXX/XXXX in support of same. This same letter advised of late charges which were assessed during the course of the loan period. Toyota and I are not in full agreement as to the actual amount of these late charges, and I have been writing them letters, starting prior the end of the loan pay-off, to request a proper accounting and explanation of these late charges. Their calculations do not compute correctly. The payment website, which is supposed to reflect current account activity has been and is still incorrect ; stating that I have a balance of {$1200.00} and some change. Not one person at Toyota can explain this to me. They have never responded to my three ( 3 ) written requests, and my countless phone calls. Toyota has also continued to report the late payments as unpaid on XXXX which is not true. They were paid and I have asked Toyota to correct this to no avail. I have filed dispute resolution claims through XXXX, and Toyota will not correct the incorrect information or inconsistencies.
Simultaneously I started receiving calls from the Toyota Collection division after the payoff of my loan to advise me that my account was in collection for an unpaid balance of {$.00} ( cents ). Each time I received a call from their collection department I was told an internal waiver would be sent to accounting to solve the error. I kept getting call after call and having to explain this all over again. Each agent was able to see the activity of the previous calls, apologized for the inconvenience and assured me it would be resolved. None of my requests for a proper accounting have been resolved, nor was the correction to the {$.00} incorrect unpaid balance, and now it has resulted in negative activity on my credit report. I dont know any consumer who is going to simply pay a bill when there are so many ambiguities and inconsistencies in the accounting ; and when individual internal corporate departments of a global company can not explain their own accounting amongst themselves.
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| 09/17/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I was in an automobile accident, not my fault. The other driver received violation for running a red light at XXXX, totalling my car, which was paid off. Due to existing health issues, job loss and already battling a home foreclosure at the time. My credit score was not what lenders liked to see ( now I 'm starting to think maybe they do ) higher interest rates, excuses to take advantage and collect money. As I explained my situation to Toyota Finance, which I located them due to researching the same BMW x3 that was just taken from me. I arrived to see BMW x3, mind you I suffered a concussion and was badly hurt but I was pressed for time before I had to hand rental back over. After arriving at Toyota XXXX I never even seen the BMW X3 I somehow left with A XXXX Camry SE after putting XXXX down and leaving with a XXXX a month car payment. My foreclosure XXXX mortgage was XXXX a month which I explained, I did need a car and the sales guy was great but having no payment, car accident, and so on, I said that was high, he had said I could refinance to a lower rate in two three months. So I left, today I was denied auto refinance, car is behind about to lose it, I paid on XXXX XXXX They said I did n't and I thought at that time I double up on two more and I would be caught up. I also asked for them to please put a payment on back end, I said this is crazy, I 'm driving a car that i had to just " settle '' I was hit by a women who was being irresponsible and I 'm stuck with an outrageous monthly payment driving a car that reminds me of a terrible, frightening moment in my life that I was told to refinance in a few months. Coming up on a year XX/XX/XXXX since my accident, I 'm still driving car, credit shot, and dealing with everyday phone calls, and awaiting a repocession. I do what I 'm advised to do. I believe there is some confusion on last payment, I also tried to get a pay off and it is coming in over XXXX that 's insane I was told by another dealer and a state farm agent. I just ca n't understand how this is ok. Thinking back they had said good news, huge REBATE and he said sign here, I did well GREAT NEWS was n't for me, it was for lender. After I signed it was scooped up and I was told that 's not for you, for me. I was disappointed but they actedas if I was getting this great deal.
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| 05/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My problem is with Toyota Financial Services : 1. Toyota Financial Services- In XXXX I lost my job due to covid-19. I called Toyota customer service number XXXX stated on my bill for a month, no answer. I went on their website : www.toyotafinancial.com and wrote that I lost my job and wanted to find out what can I do to defer or forebearance the payment. I HAD NEVER MISSED A PAYMENT. I received no reply. The website had an area that stated Covid-19 update however did not have forms or anything consumers can fill out for that option. When you go to fill out the form there was nothing you can fill out. They deliberately just posted the information with nothing consumers can fill out, only a sign stating what to fill out. No Forms whatsoever! On Monday XX/XX/2020, I went on my XXXX XXXX account and noticed Toyota Financial reported that I did not pay my payment for XXXX. I made every effort to contact Toyota Financial however they ensured that they made themselves unavailable to respond to consumers in need of their assistance. This delinquent reporting to XXXX has drastically brought down my credit score. When I called XXXX to dispute this erroneous reporting, the phone hung up not working. I also tried to dispute it on line with my account since I have a freeze on my account it reroute me to purchase XXXX 's credit monitoring service which I can not afford at this time. If you didn't purchase their credit monitoring service, you can not dispute erroneous information on your account. When I went back to Toyota Financial service website now they have a form for consumers to fill out for a 30 or 60 days deference yet still you can not communicate with anyone to explain what happened. I filled it out however I did my best to notify Toyota Financial prior to when my car payment was due numerous times. My other creditors have worked with me except for Toyota Financial. I need the delinquent posting off of my XXXX account since Toyota Financial deliberately caused their consumers to be delinquent by not replying to phone calls, emails, and provided erroneous information on their website to give the appearance they are helping consumers. I will never purchase a Toyota as long as I live and will tell my family, friends, colleagues, and acquaintances of what they did in my time of need.
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| 09/06/2020 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
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| 12/11/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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My husband took a loan for me XX/XX/XXXX for a reliable vehicle XXXX Prius. He added me as a joint account holder, however due to his loss of job he filed bankruptcy XX/XX/XXXX he had to file bankruptcy on the account. I took over the payments for the vehicle but recently we were in an accident. The car was rear ended and deemed a total loss. The loan did not have GAP insurance included, there is a remaining balance of XXXX after payment from the insurance claim. I have called Toyota Financial on 5 occasions to discuss what would happen to the account because of the Total Loss, each time I called I would get a different scenario. On XXXX occasions I spoke with a representative in Total Loss Department who stated that I was no longer responsible for the balance due to my husband filing bankruptcy on the account in XX/XX/XXXX and that Toyota Financial would not be pursuing me for the balance due. On two other occasions I spoke with Total Loss Department employees again who stated I would be responsible and that they would be contacting me to make payment arrangements, once payment was received from insurance. After the initial conversations with representatives occurred that discussed my not having liability for the balance there were notes placed in the account to deter this information being communicated to me and Customer Service reps started to ask me the nature of the call prior to transferring me to the Total Loss Department. Toyota Financial is the financer and they are demanding full payment within 20 days from the date they received payment from the insurance. This request is unreasonable, and I did not agree to this. There has been not documentation or evidence presented to me showing that this is an agreed or allowable method in collecting payment. Thus far my payments have been timely so there is no reason for me not to continue paying on the balance of the loan. However, paying XXXX off is extremely unrealistic and is causing extreme financial hardship. I am requesting additional time to pay this balance in full, a structured payment agreement. This is not too uncommon in situations with total loss vehicles with balances due, Toyota Financial has not provided proof of any agreement showing where I accepted the terms of Total Loss payoff within 20 days.
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| 12/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I returned vehicle XX/XX/XXXX so legally I should only be charged till the XXXX not all the way till the XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2023 Customer Service Department XXXX share Subject : Formal Complaint Regarding Overcharging and Refusal to Reimburse for Unused Days Dear Consumer Financial Protection Bureau and XXXX, I am writing to file a formal complaint concerning my recent rental experience with XXXX, reservation number XXXX, for a rental period starting from XX/XX/2023 to XX/XX/2023.
Upon returning the rental vehicle on XX/XX/XXXX, I was dismayed to discover that my account was charged for a duration exceeding the agreed-upon rental period. Despite returning the vehicle as scheduled, I have been unjustly billed for additional days beyond my usage.
Furthermore, despite numerous attempts to resolve this matter with your customer service representatives, I have encountered resistance and have been informed that the company is unwilling to reimburse me for the unused days erroneously charged.
The specifics of my complaint are as follows : - I rented a vehicle for a period from XX/XX/XXXX to XX/XX/XXXX as confirmed in my reservation.
- The vehicle was returned on XX/XX/XXXX, in adherence to the agreed-upon rental period.
- However, I have been charged for an additional 3 days beyond the return date, resulting in an overcharge of {$170.00} on my account.
I kindly request a thorough review of my rental agreement and the charges applied to my account. I expect an immediate reimbursement for the overcharged amount corresponding to the days I did not utilize the rental vehicle.
If this matter is not rectified promptly and to my satisfaction, I will have no choice but to escalate this issue further through relevant consumer protection agencies and pursue all available legal avenues to ensure a fair resolution.
I am willing to provide all necessary documentation, including my rental agreement, receipts, and any additional information required to facilitate the resolution of this dispute.
I expect a prompt response and resolution to this issue within 7 business days from the date of this complaint.
Thank you for your immediate attention to this matter.
Sincerely, XXXX XXXX Enclosures : Copies of relevant documents
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| 03/06/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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Multiple times I have signed up for and used Toyota Financial Services ' " Autopay '' feature. This system is supposed to pull money from my bank account on the due date and pay the monthly fees for my lease.
Unfortunately for various reasons, Toyota keeps canceling the autopay without notification and the earliest notice I get from Toyota is when the account becomes past due and they are approaching the 30-day mark to impact credit scores.
This has happened on three occasions now, once a couple of years ago, once when I was coming to a close on my lease, and once on my brand new lease.
The first time the agent just put it down to a " weird system error '' and luckily it was fixed pretty quickly since it was spotted by myself.
The second time it was tracked down to an agent who canceled it when extending the " lease period '' for 6 months due to my local dealership having no cars available. This happened without my knowledge and then Toyota couldn't tell me if they had applied a derogatory mark on my credit file, and I had to wait 2 months to make sure none appeared. When speaking with an executive escalation they agreed that the cancellation without notice was unusual however policy wouldn't allow them to make a goodwill adjustment if a derogatory mark appeared on my credit rating ( luckily it did not ).
The most recent time I received a call from Toyota telling me it was past due, I asked to double check since I had set up auto pay and the agent couldn't find any autopay linked to my account. They also told me that no " billing information '' was linked to my account ( despite being able to log in and see my own billing details ). They promised a callback from a manager within 24 hours but no call was forthcoming. The call was to deal with two areas 1 ) Why the autopay keeps being canceled and 2 ) When I leased the car I was told that Toyota FS would send out a second " keyfob '' this hasn't arrived from Toyota fs yet.
Unfortunately having to constantly check if the payment has been taken out negates the benefit of having autopay. When the company randomly cancels it - it causes significant angst and worries over having my credit rating potentially dented due to terrible systems including an agent 's incorrect information on my account.
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| 01/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have been financing my XXXX XXXX XXXX XXXX through the Toyota Financial Services since XX/XX/XXXX. Ive been making my payments on the XXXX of every month. On XX/XX/XXXX I made a payment and on XX/XX/XXXX my account was restricted without any notice. On XX/XX/XXXX of XXXX I received a letter from Toyota financial saying as of XX/XX/XXXX my account would be considered paid in full and the title was being released to the TX DMV. On the day I received the letter I called Toyota financial and waited for 30 minutes with no answer, couldnt even leave a voicemail. On XX/XX/XXXX I receive another letter from them saying they were sending a refund check for {$680.00}. I attempt to call them with no response and a full voicemail. On XX/XX/XXXX I called requested a call back, due to work I missed the call, no voicemail with a call back number was made. On XX/XX/XXXX I finally am able to speak to a lady in the financial office. While on the phone with me she realizes they had applied someone elses paid-in-full check payment to my account. She proceeds to ask if I have received the title, which I had not, because they need it back and that they were going to reopen my account. I ask for a manager to explain to me what is going on they said I would have to wait until they got the title which was sent to a XXXX dealership, which I have no relation to. They inform me they will reopen my account once they receive the title. 20 minutes after speaking to them I get a courtesy call, the first since all this happened, from Toyota financial saying they have sent me a check for a {$1000.00} dollars in the mail to not cash it when I received it. On XX/XX/XXXX I check my account online and notice it has been reopened with an additional {$2000.00} added to the amount I still owed before The account was marked as paid in full. The total now is XXXX, when it was XXXX after XX/XX/XXXX of XXXX. I call on XX/XX/XXXX, agent XXXX tells me my account has been pass due since XX/XX/XXXX of XXXX thats the reason my payment has doubled for the month of XXXX. I have my bank statements saying otherwise. I requested to speak to a manager and was told one was not available at the time. There is no statement for the month of XXXX at all especially one thats states my account is pass due.
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| 11/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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- XX/XX/XXXX : I leased a car from Toyota. I successfully paid off all the lease payments on time. Except for once when there was a technical glitch on their system but the payments were immediately made- despite that they report my account to credit bureaus.
- XX/XX/XXXX : I went to return the car to XXXX XXXXXXXX XXXX XXXX. They tried to lease me another car and inflated rates but when I declined their offer- they refused to take back the delivery of the vehicle. Saying that due to Covid they didn't have parking space available for it. They asked me to come back at the end of XXXX by then there will be space. I told them that I won't pay any additional lease because I don't want to keep this car anymore.
- My car was leased for XXXX miles for XXXX years but I had only availed XXXX during this tenure.
- XX/XX/XXXX the car was returned to XXXX XXXX XXXX XXXX. The delivery document was also received from them.
- XX/XX/XXXX : I received a letter from Toyota that I have returend the car on XX/XX/XXXX and there are charges to be paid. These are all frivolous made up charges to which I never agreed.
- All this time I have been reaching out to Toyota by phone and their online portal but they never attend these calls in the name of Covid and don't even return these calls. They did call me twice to collect the car but they never showed up.
- XX/XX/XXXX : They send me another fraudulent bill adding lease termination charges. The fact is the lease came to end with all the payments made on time. {$560.00} for outsanding lease and {$380.00} for lease termination. Here 's an article of how Toyota is exploiting customers in the name of Covid https : XXXX - Internet is flooded with Toyota 's fraudulent malpractices, blackmailing consumers to continue taking vehicles from them or they slap them with these never agreed charges. I never applied for lease extension and in fact I had to pay three months of insurance from my pocket- which I want Toyota to pay me.
- Toyota is harrassing me and spoiling my credit history with credit bureaus by wrongfully and fraudulently manipulating the contract that was ended and reopened with the extortive courtesy of credit unions.
Other Toyota 's lillegal acitivities https : XXXX? XXXX https : XXXX
|
| 12/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I sent my first correspondence which was the attached letter to Toyota Motors certified on XX/XX/20. In that letter I was requesting them to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. Per tracking they received the correspondence on XX/XX/XXXX, at XXXX. I received a correspondence back from Toyota company with an identity theft affidavit to fill out. However, I did not say I was a victim of identity theft. I requested for the company to provide legal documents that are required to be sent when a car has been repossessed such as all the documents for the bill of sale ( post sale ). Since they did not provide me with the requested information, and instead sent a identity theft alfadavit I sent them another letter ( which I attached ) on XX/XX/20 advising that I did not say I was a victim of identity theft. I requested for your company to provide legal documents that are required to be sent when a car has been repossessed such as all the documents for the bill of sale ( post sale ). If you can not provide me with all the documents, I am legally entitled to then delete this item from my credit report as you are violating my rights under the FCRA.
I have still yet to receive the requested information that I am entitled to by law. This company is attempting to use stall tactics such as an identity theft affidavit when I never alleged my identity is stolen. I am requesting : Under the laws of XX/XX/20 and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Since this company obviously does not have such information, I am requesting this be deleted from my credit report as it is violating my FCRA rights as a consumer.
|
| 06/28/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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Below is the email I sent to XXXX my name and I am writing this email for the bad experience I had with a dealer and corporate customer service. I had issues with me vehicle XXXX XXXX XXXX XXXX and it was towed to the dealer XXXX XXXX when I spoke to them about the vehicle and getting a loaner I was advised I am not allowed to have a loaner since it was first time at this dealer. I was out of town when the vehicle had giving me issues. I spoke to the dealer the next day and was advised it was my transmission. I never had any issues before with my vehicle or indications. I spoke to XXXX the service advisor the next day about the issue he had an attitude for me asking questions as to what happened to the vehicle. I believe there other under lying issues as to why I was treated this way. I called corporate customer service the first rep was very nice in handling the situation and taking down my concerns and I received a call back from XXXX he advised nothing he can do, he showed no concern. I explained issues of the dealer he explained they are privately owned and I have to discuss with the general manager at the dealer. If your dealers are treating customers in this fashion I think it would be more of concern since they are the face of the company. My family has had several vehicles with the company, and was in the market for a new XXXX or XXXX vehicle. My brother has been a XXXX supporter. I had advised friends to purchase vehicles and they have. So this experience here has left a very feeling of the company and the brand. I know my vehicle was not having transmission issues and for it to just fail is shocking. I expected more but received left. I believe there is some unfair and deceptive practices going on. I am considering a CFPB complaint I believe I am being mis treated compared to other customers. My contact information is email This began XX/XX/18 through XX/XX/18 Thanks I know the company could have assisted me with issue in reference to the vehicle. I have worked for the company and seen the company pick and choose who they decide to help when they want to. It is not fair standard across the board they have policies but they still pick and choose who they decide and not to help. This is a on going issue with the company.
|
| 11/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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|
In XXXX of 2020 I preemptively contacted my loan company ( Toyota Financial Services ) in an attempt to take advantage of an extension program they had in place to deal with income loss due to COVID-19. This was not something ( according to their website ) that you needed to be approved for. As stated I submitted the form for the extension in XXXX for the XXXX statement period. They responded with an automated message of receipt of the form. When the XXXX payment came they did not contact me and I made the payment that month anyway but it was late as I knew it would be since my wife 's income was no longer available due to her loss of work. Everything should have been in order, as it was from my end. I only recently learned that they had reported this to the credit agencies and negatively impacted my credit. I have an elderly veteran father who is in need of different living arrangements so my wife and I are looking for a mortgage for a home that will accommodate the three of us as best as possible. This is a matter of personal health. Now it is going to be very difficult because of Toyota 's actions. I contacted them twice to resolve this issue. During the most recent conversation with their representative they stated they have all these records stored and therefore they could see that they did receive the form for extension and that it was marked as resolved and never processed. No attempt was made to contact me indicating the extension had not been processed and I was penalized. It also stated that the previous representative had not processed my claim about them retracting their report to the credit agencies. The letter I received in the mail after the final conversation was simply Toyota informing me they were within their rights and that they stand by their decision. They are now putting my fathers health in jeopardy as our current living situation is not conducive to his needs. I have done all I can and hope that with a little extra help they can be convinced to admit their fault and retract all negative reports. The situation they have placed me in is currently holding me back from properly applying for a mortgage that can allow me to provide for my familys needs during these hard times. Thank you in advance.
|
| 05/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
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Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : VIN # XXXX Date : XX/XX/XXXX To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under VIN # XXXX are disputed.
The vehicle in question was purchased on or about XX/XX/XXXX, financed by Toyota Motor Credit, repossessed in the state of Illinois, and sold by Date : Unknown and sold by Unknown on or about Unknown.
Under the laws of Illinois and Texas and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.
If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
XXXX XXXX XXXX XXXX SS Number : XXXX Contract name was : XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
|
| 02/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
Toyota is in process in placing me in collection and repo my XXXX XXXX XXXX that I purchased on XXXX XXXX at XXXX, California XXXX Dealership.
Toyota Finance Services knows very well that I am XXXX XXXX and Retired and on a fixed XXXX Retirement Pension in which my XXXX Income is protected under Federal Government Laws.
Document Courts of California State and Federal XXXX document was provide it to Toyota Financial Services via emails.
I am unable to refinance my Auto loan with another financial institutions because my credit has derogatory remarks and credit scores are very low with XXXX and XXXX, there is charged collections on my credit reports and Bankruptcy Chapter XXXX on my XXXX and XXXX credit report.
I am not able to pay {$480.00} a month. I am able to start paying {$300.00} to {$350.00} on XX/XX/XXXX as my financial Hardship has been devastated my family and Finances during Covid19 Pandemic issues.
Also on XXXX XXXX XXXX XXXX pulled my credit without my written Consent and Authorization for Extensions of Payment in which on XX/XX/XXXX, no pull credit was conducted and Extensions of payments was implemented without pulling my credit with XXXX, XXXX and XXXX.
XXXX XXXX has violated my Federal Privacy Act by seeking my private information and to destroy my credit.
Why did XXXX and other credit reporting agencies allow XXXX XXXX to pull my credit without authorization.
XXXX XXXX used my written authorization of credit pull for XXXX with the old credit pulled on credit purchase of XXXX XXXX and sent it to XXXX , XXXX and XXXX so they can have access to my credit file for XXXX.
XXXX XXXX is Retaliating and Discriminating against me because my Federal Government file complaints against them.
They are also Discriminating and Retaliating against me because of my National Origin as XXXX American XXXX and XXXX Status in which this is a Violations of my XXXX XXXX Civil Rights Act under Department of Justice.
I have alerted US Senator XXXX XXXX on issues of XXXX XXXX and will be sending a letter to President Joe Biden and US Vice President XXXX XXXX and Members of Senate and Congress on Retaliation and Discrimination and Retaliations against XXXX Military Veterans in California and America.
|
| 04/18/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I returned a leased vehicle to XXXX on X/XX/XX , before the lease through XXXX XXXX XXXX matured on X/X/XX . Dealer reviewed vehicle and did not see any damage, however said a third party reviewed all vehicles upon return and would do so in the next week. On X/XX/XX a check was issued and mailed to my correct address from XXXX XXXX XXXX for {$530.00} in over payment after satisfactory completion of the lease and return of the vehicle. I did not receive any further correspondence in regards to the lease from either XXXX XXXX XXXX or Toyota Motor Credit Corp for all of XXXX . On X/XX/XXXX , I received a letter in the mail ( dated X/XX/XX ) from XXXX XXXX XXXX XXXX ( a debt collector ) w hich said I owe {$1500.00} to Toyota Motor Credit Corp and said " your leased vehicle was returned and your account balance may consist of one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and above the allowed by your lease agreement ''. I contacted both XXXX XXXX XXXX and XXXX XXXX XXXX and inquired about the letter and also why I was receiving notification of any supposed issues 13 months after the vehicle was returned with no communication in the interim other than the refund check I received from XXXX XXXX XXXX for satisfactory completion of the lease. A XXXX XXXX XXXX representative said additional correspondence was mailed - however they notice it was mailed to another address in a different state. The representative also said now that the matter was with a debt collector they will not provide that correspondence and I must work with the debt collector. I contacted XXXX XXXX XXXX and their representative was just extremely rude, said they just received the file, do not have any of the correspondence, but the debt is mine and demanded payment and that I tell them how I will pay. Very frustrated with both organizations. I was issued a refund check, received no correspondence for over a year, and now am being told I owe {$1500.00}. I also know for a fact there was nothing wrong with the vehicle when I returned it and the milage was well below the amount allowed under the lease terms.
|
| 04/19/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
This issue is with Toyota financial services ( TFS ), their poor customer service, and their excessively harsh response to a single late payment. I have had two loans with them that span a length of 7 years. In that period of time, I have paid off one loan and make timely payments on the second one. I never had a late payment. My payments have always been setup for automated monthly payments. At the end of last year there was a change with my banking information which I updated online. I assumed it was setup properly as I never received a notice otherwise. Somehow the autopay did not process properly and my account became past due. But I was not given any notice of late payment. I did not know that I had a past due balance until I received a negative hit on my credit report and saw a substantial drop in m y credit score. I immediately called TFS to pay for my past due and current due amounts. After waiting on hold for at lea st 20-30 m inutes, I spoke with customer service and requested to have the negative credit market removed. The agent was very rude and unhelpful. I was told that it could not be done over the phone. However, I could write a letter directly to TFS explaining the situation and the negative marker would be removed. I mailed out a letter shortly thereafter stating my concerns. I later received a return letter denying my request. I called TFS customer service, was forced to wait on hold for a long time, and was again told to write another letter to request the negative removal. I did this and was again denied via mail. It is extremely upsetting that a long term customer who never had a late payment was denied a courtesy adjustment. It is frustrating that there was no notice given regarding an error in my autopay account or that my account was past due. It is shocking how poor the customer service is whether phone or mail. I have always had good credit. Having a negative credit marker has had a substantial impact on my credit and has seriously affected my ability to qualify for credit. It will be a long time before the negative credit market will no longer affect my credit. TFS response to my one and only late payment is excessive and completely unnecessary.
|
| 09/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Purchased a used Toyota from a Toyota dealership in XXXX XXXX, financed directly through Toyota and paid the loan off a year later. In the middle of my loan I moved to a new house and did everything I needed to update my address information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX so that they would have my correct address and contact information. Fast forward to today and I go to sell my car and purchase a new one and realize I never received the title to my vehicle after paying it off in XXXX XXXX. I called Toyota and they told me they sent the title and lien release to my old address and they are not sure why because they confirmed they did have my new address on file. They also stated they never received my title in their returned mail and have no idea where it is. I tried to order a new title from my state and rush it so that I could have it to sell my car this weekend and my state then informs me that they can not even release my title because Toyota never released the lien and the title is still showing that it has a lien against it. So back on the phone with Toyota who tells me they cant fax a lien release with out me being at the state office which is 2.5 hours away. After some arguing they agree to fax the release but not for 2 business days, so now I have to wait 2 business days to even order a title and wait 10 business days to even receive the title. At this point I will probably lose the sale on my vehicle which will cost me {$13000.00} and I probably wont be able to purchase the new vehicle I intended because I wont have the money for the down payment.
Toyota is responsible for sending the title of my vehicle to the wrong address after I did everything I needed to do to update my address information with them and now I am the one dealing with the mess. All I asked Toyota to do was rush the release of the lien to the state and they tell me I have to wait in a queue for it to be released and it can not be rushed. I did n't think that was much to ask after the mistake they made by sending the title of my vehicle to the WRONG address.
Unfortunately I no longer know my account/loan number but my name in their records is XXXX XXXX with my current address of XXXX XXXX XXXX XXXX, Maine XXXX
|
| 09/26/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
Car leased by my father and mothers trust thru Toyota Financial Services was due to expire on XX/XX/22. The trust desired to purchase the vehicle so a cashiers check and forms were supplied by XX/XX/22 via XXXX. Told would receive title in 7-10 business days. Questions were asked via the online platform why payments and late fees continue to show up on the online dashboard. Told it is automated process if the payment was 10 days late. It is not owed so don't worry about it. On XX/XX/22 was notified that required docs were not received. They were in the same XXXX envelope as the cashiers check. I resent the documents via the Toyota Financial Services support system online and requested completion of the transaction. Spoke with a rep ( XXXX XXXX and he said he would take docs to processing personally. He said could take 2-4 weeks to get a title. On XX/XX/22 I called another rep XXXX? ( its never the same one ) about continued late notices being received. She informed me the payoff was received on XX/XX/22 and processing should be complete at the beginning of the following week ( XXXX XXXX week ). I called the following week XX/XX/22 plus or minus a day and was told there were issues because my signature did not match the original purchaser. I told them that is true, he died and I am a trustee of the trust that leased the vehicle. I sent several more forms regarding trusts etc. XXXX XXXX in Arizona office was very helpful and followed up with me several times and got it to the point of payment being accepted and everything was in order. She requested her boss to authorize O/N delivery of the title and I thought we were done ( as did she ). On XX/XX/22 I called because no title had appeared and talked to a new Rep and he told me the title was sent out via regular mail on XX/XX/22. It was sent to the po box mailing address on the original lease. I called again on XX/XX/22 because no title has appeared in the mail and was told by another rep XXXX XXXX ) that processing was finished on XX/XX/22 and the title was sent out on that day. She stated a request was in the record to send O/N but was unsure if that was followed or not. I then asked to speak to a supervisor to see if that information was attainable.
|
| 02/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I bought a new XXXX XXXX XXXX XXXX XXXX from Toyota of XXXX, Texas dealership on XX/XX/XXXX. I had a good credit score of XXXX.
I had a very unpleasant customer experience for the rate which was offered to me of 3.99 % which is way too high. I had put down cash for {$10000.00}. I also have a loan with Toyota Financial Services with 0.00 % APR and almost be paid up by XX/XX/XXXX.
The disclosed rate for XXXX brand interest rate is 1.99 % and it does not specify clearly which one. The XXXX XXXX is a very new addition to the XXXX XXXX and thus opened the possibility of extortion.
At this time my rights have been violated and am feeling being deceived and to avoid embarrassment I had to forcefully accept against my XXXX since there was no other option at the table. I was told If I back out I would lose my deposit of {$1000.00} which I had paid last week on XX/XX/XXXX. I had made it clear at that time I would be financing.
I was not informed of my rate earlier, which would have been applied which would have enabled me to make an informed decision and thereby it is a violation of the Federal Act of " The Truth in Lending Act '' which helps protect consumers from unfair credit practices. All the above took place at the time during the last stages of signing and when the vehicle was to be taken out. Had I got to know earlier I could have tried getting a loan from outside and especially thru my employer which was offering at a far lower rate plus my employee discount rate. I was looking forward to the interest rate to be offered by Toyota which at times are far lower.
I reached out at my grievances on XX/XX/XXXX to the Finance Director of XXXX XXXX and also XXXX -Relationship Manager. I had also lodged a complaint with Toyota Financial services and their customer service reached out - XXXX Case # XXXX dated XX/XX/XXXX and till date there has been no resolution.
After reaching out Toyota Financial they said it was soley at the discretion of the dealership and rates are fixed at their end. Reaching out to the Toyota of XXXX dealership they are unable to assist and not able to arrive at a decision where they entirely violated the truth in lending and victimize their unknown customer intentionally.
|
| 11/29/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have been fighting with Toyota since XXXX to report my payments accurately. They have been misapplying my payments since XX/XX/XXXX. Applying full payments and/or partial payments to the principle balance without my consent or approval and therefore reporting me negatively on my credit report. They have gone so far to try and repo my car when I was 15 days past due in XX/XX/XXXX. Luckily the truck driver agreed to NOT take my car that night and would come back tomorrow after I explained it was NOT correct and Toyota had NO right to try and take my car. The next day Toyota confirmed they were in the wrong, waived all late fees and explained the account would be updated to show the loan was current and all would be right.
They proceeded to do collection calls to my cosigner and XXXX year old grandmother telling her the loan was 3 payments past due and scaring her into making a huge payment to bring the loan " current '' even with a DO NOT CALL on file. They continue to call and harass her every chance they get. every time I call they confirm that yes there is still a DNC on file yet they keep violating that!
On XX/XX/XXXX I called and spoke with XXXX employee number 2NDC who reviewed the file and agreed that YES they were in the wrong, and I ONLY was due for the XX/XX/XXXX payment and that THEY were applying payments to the XXXX payment and I would have a CREDIT of {$13.00} for XXXX. That being said they continue to show me being due for some days 2 payments, some days 3 payments. They called my grandmother again on the XXXX and told her the loan was due for {$2400.00}!!! Thats 4 car payments. The damage this has caused my family is irreparable. The damage to my credit score worse. This prevents me from licensing for my job as a XXXX XXXX XXXX. I have been denied state licensing due to their continuous errors.
I do not have another 2 years to fight with them to get this resolved. I need help 1. They are not applying my payments properly since the start of the loan 2. They refuse to honor the DO NOT CALL on file and continue to call myself and the co-signer demanding payments 3. They refused to send a copy of the payment history that I have been requesting since XXXX until XX/XX/XXXX XX/XX/2018
|
| 08/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Older American |
|
In XX/XX/2018 my Lease expired on the XXXX XXXX which was through XXXX. At this time I rolled it over into a purchase also with XXXX. At the same time I had a XXXX XXXX but didn't know. During my lease with XXXX I was on automatic payments through their website and payment were made in a timely fashion. I wanted to continue that payment arrangement. I tried to do that but for the first few months they couldn't get the system to function properly. Every time I would call to seek resolution I would end up repeating the same story and couldn't get to anyone to effect change nor could I get a ticket on the problem to reference or a case manager to handle the complaint. After months of the non resolution I stopped making payments and told XXXX I wanted to make payments the way I had for years but didn't want to pay by phone or by check that wasn't convenient. I did this in hopes that it would escalate the issue to someone that could effect change and fix the issue. After every contact with XXXX I told them ( the conversation was recorded ) that I would pay the amount due in full the minute I could pay electronically as I had in the past. My thought was if I continued to pay by mail or phone they would never fix the issue considering it had been months with no resolution. Perhaps non payment would get someone's attention. There are over ten recordings of me saying I would pay immediately if the web based product would function just as it had in the past. In XXXX they repossessed the car and send me a demand letter. Once again I said I would pay the amount due but only by their product that the other 99 % of their customers have access to and enjoy. At this point I felt discriminated against because I didn't have access to the same functions as other customers. I later got the NC AG involved and they wrote a letter on my behalf and agreed with me and we are now in a stalemate. Also XXXX falsified a insurance claim on this car while in their possession as it must have had some damage to it as the Insurance company called to follow up on the claim. This is now effecting my ability to purchase a home and want to access all free services before paying an attorney. Any help would be greatly appreciated.
|
| 09/21/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
My lease is financed through Mazda Financial Services ( MFS ) and the maturity date is in approximately XXXX days ( XX/XX/2023 ). As with many leases, per the contract, I have the option to purchase the vehicle at lease end for the amount specified on the contract ( plus applicable taxes ).
On XX/XX/2023, I attempted to arrange the purchase of my lease on the maturity date directly through Mazda Financial Services. However, because my vehicle 's garaging address is in North Carolina ( based on my home address ), Mazda Financial will not allow me to purchase my lease through MFS and instead requires me to purchase my lease through a dealership.
On XX/XX/2023, I contacted XXXX local dealerships ( one of which is where I initiated my lease ). I am not stating the names of the dealerships in this complaint for fear that they will refuse to allow me to buy out my lease. I will provide this information if I am reassured that the dealers can not retaliate.
Dealership # XXXX will only facilitate a lease buyout if the lessee agrees to a vehicle certification, which costs {$2400.00}. This is in addition to a {$990.00} administrative fee. If I elect to not certify my vehicle, Dealership # XXXX will not facilitate the buyout.
Dealership # XXXX charges a {$750.00} origination fee and does not require vehicle certification to facilitate a lease buyout. However, they do require customers to finance the lease buyout via the dealership, who will select the lender and initiate the loan origination process. If I want to pay in cash or obtain my own financing, Dealership # XXXX will not facilitate the lease buyout.
As is evident from above, Mazda Financial 's requirement for dealers to facilitate all lease buyouts in North Carolina leads to additional fees above the agreed-upon contract price and is based entirely on dealer discretion ( i.e., no dealership is obligated to facilitate my buyout, and I must agree to one dealer 's terms if I want to buy out my lease ).
Dealers are not financially motivated to dedicate time and effort to lease buyouts. Consequently, they resort to predatory behaviors, such as those listed above. I should be able to purchase my vehicle for the amount outlined in the contract.
|
| 08/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Consumer Financial Protection Bureau Subject : Complaint against Toyota Motor Credit Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Toyota Motor Credit regarding their refusal to offer an extension to my account despite my vehicle being in the shop for over a month without repair by the manufacturer. This unfair practice has significantly affected my credit score, and I seek your assistance in resolving this issue.
My vehicle, covered under the manufacturer 's warranty, has been experiencing serious safety concerns. Due to these issues, I have left my vehicle at an authorized Toyota repair shop for an extended period. Unfortunately, the manufacturer has been unable to obtain the necessary parts in a timely manner, causing significant delays in the repair process.
In order to protect my consumer rights, I have filed a lemon law buyback claim with the Virginia State Attorney General 's Office and Lexus Corporate Office, the parent company of Toyota. These actions were necessary to address the ongoing safety and quality issues with my vehicle.
Given the uncertain timeline for the resolution of my lemon law buyback claim, it is unfair for Toyota Motor Credit to refuse a temporary extension to my account. It is unjust for a customer to be held responsible for making payments on a vehicle that is currently deemed unsafe to drive, especially when the manufacturer is unable to promptly provide the necessary repairs.
I urgently request your intervention in this matter. I implore Toyota Motor Credit to immediately defer the upcoming 3-4 months ' payments until a final decision is made regarding the buyback claim. This will prevent further damage to my credit score and ensure that I am not burdened with financial obligations for a vehicle that can not be safely operated due to the manufacturer 's inability to obtain necessary parts in a timely manner.
I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and work towards a fair resolution.
Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution. If you require any additional information or documents.
Sincerely, XXXX XXXX
|
| 01/05/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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I bought a XXXX Toyota Prius XX/XX/XXXX. I have tried over 50 times to cancel GAP insurance coverage. It is still not refunded/canceled?
I bought a XXXX Toyota Prius XX/XX/XXXX. I have tried over 50 times to cancel GAP insurance coverage. It is still not refunded/canceled? *This complaint is in now way directed at the dealership XXXX toyota of XXXX. They told me not to complain sternly. I just need GAP insurance canceled. I do n't think at this point they are sincerely trying to help. Toyota does not want to refund the GAP insurance, Tire Warranty and Life XXXX extras. I put in written, verbal, phone, XXXX, attorney general complaints, customer satisfaction case numbers, and most recently the XXXX, Amercians with XXXX act is informed of the discrimination I am receiving on the phone. You all know I have XXXX and are trolling me, stalling the refunds in a attempt to get me to go away. This is discrimination and if continued appropriate civil suites will be filed, as a third party is now documenting this abuse. on all fronts Toyota is " trolling '' me. Furthermore the XXXX complaints do n't always go through. I have also as of today not received my new car purchase survey. It should be mailed to the address on this complaint. All future correspondences should be mailed to this address, by physical mail. This is my request. I should have no extras on the account. GAP, Tire Warranty, and Life XXXX have all been requested dozen of times to be cancelled in writing. I confirmed received. Just refund the extras I didnt want already, as promised over 50 times. They keep claiming phone problems with their telephony. Please look into this and why I have not received my new car customer satisfaction survey. I have a feeling they are withholding the survey to fix their scores. I never wanted the extras, and have tried to cancel of them. Now they are just trolling me, making a joke of how long they can stall. Sincerely. refund all the money, and give me a summary of the dates and amounts. Thank you. I used to work for Toyota, their crimes are egregious to say the least, I sent the DOJ a whole dirty laundry list in XX/XX/XXXX. Please look into this, major stuff going on that needs oversight. Thank you.
|
| 07/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
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|
Web |
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It recently occurred to me that the experience I had during the purchase & subsequent financing of my first vehicle with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, MD XXXX may have violated consumer protection standards.
On XX/XX/2017 I financed my vehicle with XXXX XXXX in XXXX, Maryland. In the final purchase stage, the financing representative overtly threatened to raise my interest rate which she had offered called several times and offered from Toyota Financial Services. She threatened verbally that if I didn't purchase the add on gap insurance for an additional {$20.00} per month to my {$380.00} car payment, that she would raise my rate she previously claimed to have haggled on my behalf. I told her multiple times after multiple attempts to sell me this product that I already possessed this coverage with my auto insurance and that at this time I don't want to add more to my payment nor to I need the coverage. She was adamant- and she accused me of not knowing what I was talking about since she had not heard of a car insurance ( XXXX ) offering such a clause. I pulled the coverage up on my mobile device, read it, and then showed it to her. The exact quote she said to me was " I can easily call Toyota Financial and have them raise the rate back to the higher figure that I just negotiated down for you. '' I almost walked out of the dealer at that very moment but unfortunately I needed the car more than I needed to leave so I stayed and continued to deny the add- on offerings she presented. It was a terrible combination of aggression and condescension masked by a person pretending to help you- she did not like that I knew about the buying process.
I am choosing to raise the issue now because I still recall how visceral the experience was and I recently chose to learn about this event to see if it was in fact legal. I am hoping your team can investigate to see if this person is still performing such practices and if there should be consequences. It's important to note that while I've worked in sales and other high pressure industries, the predatory approach this financing agent took to my auto loan as a young person may have larger negative implications for other consumers.
|
| 07/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
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This issue started on XX/XX/2019 when I first made an attempt to contact Toyota Financial Services ( TFS ). I grew to understand that Toyota Financial Services is a federally chartered bank and that they handle most of their own legal issues. I am trying to inform them about a issue with one of their loans that I am currently involved in. The vehicle that I am financing is reported as Frame Damage. The used vehicle disclosure wasn't presented to me as structural damaged at the time of purchase. I told TFS about the calls that I've made to the Federal Trade Commission and the Attorney General. They transferred me to the XXXX department because I mentioned it was purchased at a XXXX dealership. Who told me they couldn't do anything about the issue and that I should contact Toyota Financial for the matter. I grew frustrated at this time because instead of connecting me to the correct department I was bounced around due to key words which they are using any reason to transfer to issue to someone else.
Fast Forwarding to XX/XX/2019 I called again trying to result this matter. I asked to speak to a supervisor seeing that I wasn't able to get anywhere the day before. A supervisor came onto the phone and now I am repeating my complaint for the 4th time after being on hold and then hung up on previously. The supervisor to connect me to the Toyota Headquarters. I spoke to someone in the Customer Experience Center which then I was told again that I need to contact Toyota Financial Services because the Experience Center is unable to help or find any documents involving my contract. I am simply requesting someone to handle this breach of contact and speak to someone about the next steps. It is highly unfair to be treated this way. I currently am financing a vehicle which is deemed : unsafe to drive '' with a balance over 60,000.
I would like to exercise my " Right to refuse a contact '' their contract has been breached due to selling a frame damaged vehicle unsafe to drive noted by XXXX XXXX of XXXX XXXX, CT after doing routing service. The original dealership XXXX XXXX XXXX in XXXX, New Jersey should be penalized for negligence forcing their hand at vehicle buyback and closing the loan.
|
| 05/18/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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To : Consumer Financial Protection Bureau I am writing to bring to your attention an issue that I am having with a Debt collection company under the name of XXXX XXXX XXXX XXXX ( XXXX ) XXXX sent me a letter where advised that Toyota Motor Credit Corp asked them to collect from me the amount of {$160.00} because according Toyota Motor Credit Corp records after I returned my XXXX leased vehicle by ending XX/XX/XXXX I got an outstanding balance. I first never received notification of a charge against me and this collection letter doesn't explain the reason why I owe them money. I immediately took steps to see what was going on and I decided to call Toyota Motor Credit Corp and clarify this issue they couldn't explain me the reason why I am getting this charge about it and beside that they were rude over the phone and refusing to talk to me and telling me that I have not longer account with them and I had to be direct to the collection company this happened twice in two different time that I tried to resolve this issue with Toyota Motor, and they kept re-directing me to the collection company. After feel so frustrated I decided to call the dealer XXXX XXXX where I returned my XXXX leased and spoke with same sale person who took my leased back and sold me a new XXXX leased and he checked my records and he said Toyota Motor Credit Corp is charging me because I didn't return the 2nd Key from my XXXX Leased and I called again to Toyota Motor Credit and advised them that I still have the XXXX Leased key with me that I can return it and also I asked them how you can charge for something that I wasn't aware that I will get charge if I don't return also there is not where saying that I have a time frame to return the key and get charge for if it doesn't get returned. I am very concern at this time because they sound not be reasonable and careless if they make a negative mark on their customer credit records for something can be resolve in the right way. Once again I never get any disclosure that I had to returned the 2nd key in a time frame if not I will be charge for. This is incorrect and not acceptable. I really appreciate if someone can assist me in this matter. Thanks!
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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Toyota financial fraudulently reported me to a credit agency and withheld critical information in their original response to my complaint they provided to you. The recording of my calls to Toyota Financial will support my version and the fact that their response to you intentionally withheld pertinent facts to their fraudulent reporting.
The final payment for my lease with Toyota Financial was due in XXXX of XXXX. As we were planning on buying out our lease, we did make the payment until we could confirm the total buyout amount.
On XX/XX/XXXX I contacted Toyota Financial requesting the buyout amount. During that call, the representative informed me that I had an outstanding payment and asked if we hadnt paid due to our plan to buyout the lease. When I confirmed that plan, he waived our late fee and rolled the final payment into the total buyout amount. There was no mention of me needing to make that payment outside of the buyout in order to avoid being reported to the credit agencies. I was told Toyota needed to receive the buyout by XX/XX/XXXX. Please ask to hear the recording which will support my description of the call.
Once I received the buyout package, I obtained financing and sent the check and documents to Toyota. This package was tracked and received by Toyota Financial prior to XX/XX/XXXX.
I called Toyota Financial back 10 days after my initial call which was also after they received the package with my check. I asked if there was anything additional that I needed to do. I was told that I would hear from Toyota if there was anything needed. I was not asked to make any additional payments or warned about being reported. Please ask to hear the calls recording to support my version above.
Questions for Toyota Financial to answer. If they cant, then their actions demonstrate fraudulent reporting I am accusing them of. Why would they include the final payment in my payoff amount if they expected me to pay outside of the payoff? Were they expecting me to knowingly request an incorrect financing amount from my FI? If they reviewed my call notes and listened to the recordings, why did they withhold the points I raised in their response to my complaint?
|
| 10/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American, Servicemember |
|
I purchased a XXXX XXXX XXXX from XXXX XXXX XX/XX/XXXX. Toyota sales personnel refused to negotiate a lower MSRP of {$30000.00}. I had been looking for a new car as I had totaled my XXXX XXXX in an accident on or around XX/XX/XXXX. During the course of looking, I noticed the MSRP on the XXXX XXXX listed with a price tag of about XXXX. The XXXX XXXX value also list a sales price of {$26000.00} see attached I also noticed the older cars had sales prices of {$34.00}, XXXX or above, years XXXX and up. As I was homeless at the time and without a permanent home, my car was of vital importance to me. I informed the salesperson of this, and he stated I should never tell anyone I needed a car. In trying to get a fair price, I inquired as to any discounts available. I informed the Finance person, I had a military ID. TOYOTA PROVIDES A {$500.00} MILITARY DISCOUNT as noted on their official website. XX/XX/XXXX Rule for military ex spouses. They refused to allow the military discount available but did give a {$500.00} rebate. They have also added fees entitled accessories of {$1600.00} in which I did not request or add any additional accessories or add-ons. The tinted windows came already with the car from the manufacturer.. The carpet in the car has dislodged from the molding holding it in place. The car does not appear to be new and has never had a new car smell, and in fact when I turn on the heat now, or not running the air it smells like a mans cologne blowing through the vents. I assumed I was buying GAP insurance, but instead it seems I have purchased an extended service agreement. I requested to pay for the insurance/service with cash but the finance officer said I had to have it included in the loan for the coverage to be in place. I also researched and discovered the invoice price was {$21000.00}. The whole experience was one of deception and cheating. The loan amount is {$10000.00} over what it should have been. The complaint is filed pursuant in violation of ECOA guidelines and FDCPA.
The loan amount and balance due is is {$36000.00}. The sales price of the vehicle ends up {$32000.00} The amount financed is {$34000.00}. I am XXXX, XXXX American age XXXX, female,
|
| 04/04/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
XX/XX/XXXX I called Toyota Financial Services in order to defer my lease payment for that month as I had done in the last 6 years. When the payment was not processed correct, there was back and forth phone conversations which I initiated, and Toyota assured me things were being taken care of.After getting multiple answers from different people I faxed in the requested paperwork. I made my payment for XX/XX/XXXX as normal. Then, in XX/XX/XXXX I purchased a new vehicle from a XXXX dealership. The cashiers check was shipped on XX/XX/XXXX and the check arrived at Toyota 's payoff center on XX/XX/XXXX. The XXXX receipt shows the address as well as the name and signature of the person who accepted the payoff payment. It was n't until about a week later when Toyota Financial called my work extension to say that I was over thirty days late for my payment. This started a vicious cycle. Since XX/XX/XXXX, myself as well as my husband have called numerous times in order to get the issue taken care of. We have done everything requested by XXXX. Filed a massive amount of paper work, faxed over copies of the check, as well as who signed for the overnight delivery of the payoff for the car. We 've provided all the necessary information needed in order to handle this situation and there is still no avail. We 've been given the run around for over five months, and Toyota has since reported us late to all three credit agencies on two separate occasions. Each time I call in with a reference number or employee ID I can not be transferred to the same employee. Each time we call in, its a different story. Currently, my me and my husbands credit is being negatively impacted as Toyota still shows an outstanding balance, and says that we are over 60 days late. I have not owned the car in well over 6 week, the payoff amount was verified more then once. Toyota at one point told us that they were process the research for where the check was ; only to have someone else tell me they 're not even sure they have a check. I can not talk to the credit department, as they only give me an address to mail a letter in.There is no more that we can do in order to fix this situation. We need help.
|
| 11/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I am submitting this complaint myself. There is no third party involved. This submission is an addition to the complaint I mailed in already against this company.
I entered into a consumer close-end credit transaction with this company along with the dealership XXXX XXXX XXXXXXXX XXXX also known as XXXX XXXX XXXX XXXX XX/XX/2021 for which the contract I was given lacks multiple disclosures and there are some billing errors that need to be fixed : XXXX. Billing error # XXXX in the contract is the number of payments and the amount of payments. Under Regulation Z also known as XXXX, the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me ; 2. The XXXX billing error can be seen on the XXXX XXXX ( The amount of credit provided to me or on my behalf ). The company should provide additional clarification, including documentary evidence, of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ) and Generally accepted auditing standards ( GAAS ) ; 3. Another possible error is the Seller-Creditor section of the contract where this company is not listed as the creditor ; 5. There was no diclosure or forms provided to practice my right to rescind in accordance with 12 CFR 1026.23 ; 6. There was a lack of disclosure about the finance charge in accordance with 12 CFR 1026.4, including not disclosing that it shall include all interest, downpayment, service fees, etc. and that the finance charge shall be the sum of all charges ; Learning these things after the consummation of the transaction, I took the following steps : 1. I provided both companies my notice of rescission of signatures within the timeframe allowed as specified in 12 CFR 1026.23 ( a ) ( 3 ) ( i ) ; 2. I provided both companies a notice of billing error in accord with Regulation Z, 12 CFR 1026.13 ( b ) ; The effects of rescission as required in accord with 12 CFR 1026.23 ( d ) have not been performed or notified/delivered to me, and I have not received further communication addressing any other points on this matter.
Copy of the contract referenced above is attached.
|
| 08/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
We paid off our lease, and our leasing company Toyota Financial Services failed to transfer the title for our vehicle to us. It has resulted in me and my husband getting stuck in a bureaucratic nightmare, compounded by the fact that we have now moved out of state.
We were customers of Toyota Financial Services when we lived in XXXX XXXX, we leased a XXXX XXXX Hylander. XXXX # : XXXX. We were good customers, and we satisfied all of our lease obligation / payments, and paid it off, then we opted to purchase our vehicle at the end of the lease. We have received this letter noting that the lien was satisfied by Toyota Financial Services but after calling multiple times they refused to take any further action to transfer the actual title to us. We never received a copy of the title sent to us when we made our final payment.
Now, we've moved to XXXX and realized that we need a copy of our title to register our vehicle. The issue, is that Toyota Financial Services never transferred the title to us in XXXX state. The company failed to file a statement of lien satisfaction or notice of recorded Lien ( Form MV-901 ) with the state. We also need an application for Duplicate Certificate of Title ( MV-902 ) sent to the commission of motor vehicles. Please see the attached denial letter for a duplicate title from the XXXX Department of motor vehicles dated XX/XX/XXXX stating that the title was issued to our leasing company and that it was not properly transferred to us.
I have spent over 5 hours on the phone with Toyota Financial Services and in turn with the XXXX Dept. of Motor vehicles, writing, calling, and emailing both of them to get this resolved.
Simply put, we paid off our car, we own the car, period. I am so exasperated at how we have been treated as customers in what should be a routine process, I am at my wits end.
Attached evidence : ( 1 ) Notarized satisfaction of lien release from Toyota Financial Services, ( 2 ) Denial letter from the Title Services Unit of the XXXX State Department of Motor Vehicles, ( 3 ) expenses we have incurred attempting to resolve the issue.
Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX XXXX
|
| 07/20/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I was leasing a car from Toyota Financial Credit and Toyota wanted to take the car back a few months early so I went XX/XX/2015. I believe it was on XX/XX/XXXX. I left the car and signed off on the mileage and leased a new car, a XXXX RAV4. The dealership representative, XXXX, sorry it is true, did not complete the paperwork. I continued to get a bill for the car I gave back. I spoke to Toyota Financial Services several times. They were less than helpful and even tried to say that they did n't care about the dealership, that I had a contract with them. They said, they knew obviously that I did not have both cars. It was only after I told them that I had a contract with them and would be in that night to pick up the Camry that they panicked and located the papers where I of course had signed off on the mileage and traded in the car in XX/XX/XXXX. They had the nerve to put on my credit bureau that I was delinquent in paying my car payment for the car I did not have since XX/XX/XXXX when I gave it back. They billed me for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. It was only through a mortgage refinance inquiry that I found out they did this. When I tried to call them, 3 times, each time they left me on hold for 50 plus moments and then would suddenly be gone, leaving me to have to call again and start the 50 minute process of waiting, never having helped me. I am beside myself with anger. I have been a customer of theirs for 20 years. I have never been late or missed a car payment when I bought or leased a car. This is unacceptable. They also promised me when I spoke to them and they realized their error, that this would not happen. I am going to make a complaint against the dealership as well and I hope to have the person fired that handled my car. Often people consider what that could involve, but in this case it is appropriate. When I called the dealership, instead of being helpful the manager tried to accuse me of not reading the contract etc. Of course I signed off! His XXXX dealer did n't do his job. Now I am after jobs as this is unforgivable. I am an XXXX XXXX, work very hard and the least I should expect is honesty and compassion. XXXX XXXX XXXX
|
| 06/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I am someone that has some XXXX and have still been trying to work with Toyota Financial services. I have a loan with Toyota Financial Services. I am trying to work to find out why they forced me to change our first Loan agreement. They changed the interest of the loan. They refused to give me a chance to speak with someone before forcing me to sign a new loan agreement, under threat of taking the car back Immediately and loosing the money that had been paid into the loan.
I made three payments in one month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX they put all three to Interest. I did this to try and pay the loan amount fast, but it went up and they kept the extra payments .My payment on the second contract that was supposed to be XXXX I paid XXXX on XX/XX/XXXX they took all of over payment for interest and loan went up again I asked if their was a penalty for early pay out and was told there is not.
They talk me into paying Extension fees in Advance on XX/XX/XXXX. I paid XXXX last year for three extension in advance XXXX each I was told I might need them if I could not make a payment for any reason and did not want to pay a penalty charge.
I have paid over XXXXand the loan went up from XXXX last year to XXXX this year.
I made a call to Toyota Financial Company and let them know they were being recorded In XXXX of XXXX on call I was told that something was wrong, It does not work like that that cant be the amount I owe. They need to talk to a Supervisor, that there could be no way it was going up like this. When he got back on the line he demanded I stop the recording and Erase it or he would end the call .He refused to send a Break down of what went to Interest and what went to the loan and how the extra payment were Applied. He said that he did not have to send me a copy of loan payment history or how it was applied. I only have copy of loan being paid and staying the same.
They raised the Amount of the loan agreement with out me agreeing to it, and said I had to pay the new amount .I told them that not legal or is it binding to change a loan agreement its a violation of a contract. But I was told they could change the agreement at any time, and did.
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I leased a XXXX XXXX in XXXX Then I made my first payment in XXXX and configured auto pay. Then in XXXX, the auto pay did not process for some reason and I got a courtesy call in XXXX informing me that it was late. They allowed me to make the payment over the phone and configure the auto pay properly for me. In XXXX I got another call expressing my payment was late, I told them that I already spoke to someone and auto pay should have been configured. I checked my account and could see that auto pay was configured and no attempts to my bank account were made to collect the payment that month. They apologized and told me that they would fix the issue and process the payments. Then in XXXX I get another call for the same reason. This time they explain that the auto pay was just paying off my previous balance and letting the current month roll over. I expressed that I wanted the late payments waved ( since I made all my payments over the phone and it's not my fault they didn't take my money ). They agreed to wave the fees and I paid the full balance that was owed. Two months later I find out that they never actually waved the late payment and set up the auto pay to just pay the normal balance and they reported to my credit that I was behind on my payments. I called them this time and they agreed to wave the payment again, however, needed to get manager approval to wave the entire balance and fix my credit report. My account shows that they waved all but {$2.00} of my late fees and now this is rolling over again and I can see on XXXX that they updated the report to say I still have late payments, but the late payment was {$0.00} and both XXXX and XXXX are still showing late payments. This is not professional as every person I have spoken to from this company only does half of what they told me they would do and now I am trying to apply for a mortgage and suffering the consequences of this when I have done my due diligence to make sure these payments were made on time. When speaking with these people you need to follow up with them to make sure they actually did what was agreed upon or they will just tell you that they did when they really didn't.
|
| 04/30/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Desput the Credit Make on my report For the XXXX XXXX XXXX acc : XXXX. LEASE To Whom it may concern : On XX/XX/XXXX I called Toyota Finance to pay my account up to date. I spoke to a representative. I paid {$250.00} with this said representative which would have brought my account current. I NEVER pay my account though a representative I always pay online but do to the pandemic at the moment and trying to come up with funds from work being scarce I figured it would be easier to speak to someone to ecolate my payment so I would not have a bad on my report.
I specifically asked said representative if my account was in good standing and if it would be reported to the credit bureau. She Said and I quote " No you're just under the wire '' ok good we hung up the phone not further action taken on this day.
Later that day on XX/XX/XXXX a got an alert that my husband and I have a negative mark on our Credit report from Toyota stating 30 days late. I called right away to dispute it. I spoke to several representatives. They escalated my call to supervisors. One supervisor told me yes I see you called I have all the notes right here on the computer. I will lpull the call and listen to it because all calls are recorded. I will get back to you. Well don't you know this call in convently not recorded. They know I called they have the notes and my payment but they have no conversation between me and the representative.
I feel I have been lied to and misresprented by there representative who they will now not give me her name to include in my report.
Toyotal is refused to take the negative mark of the reports and told me even if the representative gave me that information it was fales and they CAN NOT take it off. Why would there representative lie to me? This is not fair to the hard working people who are trying so hard to keep up with there payments and bills ontime while the world has shut dowm making this acrion extreamly impossable.
Please can someone help with this despite. Before this world went into a panic I have been working really hard to keep up my credit so I can buy a house on day for my XXXX kids.
Thank you for your time XXXX XXXX
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/XXXX I obtained a leased vehicle with Toyota Financial services through their dealership XXXX in XXXX. About 2 years into the lease I was contacted by the salesman whom offered me to upgrade my vehicle into a XXXX XXXX XXXX XXXX XXXX. I went to the dealership and signed the papers and traded my old XXXX XXXX for the new XXXX XXXX XXXX. About 2 weeks after I had the new XXXX XXXX, the dealership contacted me and told me that they had calculated the incorrect payoff amount on the vehicle and that I still owed a payment.
At the time I was in XXXX and a XXXX, I could not afford to make a second Car payment and told the dealership that this was not fair as they can not contact me 2 weeks after I drop the car off and tell me I still owe money when I signed the contract already. I offered to bring the car back and return it for my old vehicle but they said it was not possible.
About 6 months later, I received a statement in the mail indicating that I would need to payoff the balance left on the vehicle or I would owe a significant amount of money as they would charge the account off. I phoned them and although still annoyed that I had to pay for the dealerships mistake, I agreed to pay off the balance. The representative then informed me that the car had already been auctioned and I now owed them around {$3200.00}. At that time it was completely impossible for me to pay since I had just come out of college.
2 years later and finally agreed to settle the balance with them as I needed to obtain a loan for housing. I paid the amount and the account was settled. I have now discovered that they were continuously reporting payments on the vehicle for up to 8 months even when I did not have the vehicle in my possession or was not making payments to them. This gave a FALSE date of first delinquency that continues to disrupt my credit as the charge off shows wrongly. I have paid thousands of dollars in extra interest over other loans due to Toyota Financials incompetence to provide correct Credit reporting. Additionally I have asked numerous time through dispute and direct contact for them to assist and fix the reporting errors to no avail.
|
| 10/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
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I am a customer of Toyota Financial and currently have a loan opened in XX/XX/XXXX. I work for XXXX XXXX and the company is going under payroll changes to accommodate an integration between the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, and those current changes are directly affecting my financial situation.
On XX/XX/XXXX I received a letter from XXXX XXXX advising that due to the transition process, the XX/XX/XXXX paycheck would be affected and not paid to it's employees and the company offered an optional " bridge loan '', which would cover 25 hours of pay and repayment would start on our paycheck for XX/XX/XXXX for every pay cycle in ten installments, which on my case, I am paid on the XXXX and XXXX of each month and those twice a month repayments affected me directly for five months. That impacted my entire household financial responsibilities, including my car payments with Toyota Financial, and I started to accrue high late fees.
On XXXX XXXX I received a second letter from XXXX informing that due to more changes on their payroll system, I will receive one less paycheck in XX/XX/XXXX, a total of 23 instead of 24 paychecks.
As of today ( XX/XX/XXXX ), I have accrued {$190.00} in late fees with XXXX XXXX due to the changes on my payroll and current financial situation directly affected by my employment. I am also 3-days behind on my payments since XX/XX/XXXX.
I contacted Toyota Financial Services on XX/XX/XXXX and requested an payment extension on my loan to help me to catch up with my payments while I am still dealing with my company 's payroll changes and gaps on pay, and spoke with XXXX, who introduced herself as a supervisor. I explained my unique situation and asked if I could get an extension on my loan and she simply told me that extension was not possible due to a past extension.
I am sending this request to the CFPB to request some assistance on dealing with Toyota Financial Services to ask for a review on my current payment situation and a possible loan extension, since Toyota Financial Services is not reviewing my account and request based on my individual situation. I am including copies of all documentation for review.
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| 05/18/2021 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
Servicemember |
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On XXXX XXXX in a pre-recorded conversation with Toyota Financial Services Rep stated that my account was closed as vehicle was sold at a auction in XXXX XXXX, California around XX/XX/XXXX and XXXX XXXX vehicle was sold for {$20000.00}.
I respectfully requested for a accommondation on my XXXX XXXX Act under Department of Justice and allow me to trade vehicle for another vehicle that is more affordable and make affordable payments because of financial hardships, XXXX and Covi19 Family Pandemic issues.
I was able to take XXXX XXXX back to the dealership in XXXX, California in XX/XX/XXXX and XXXX Dealership rep checked the XXXX XXXX XXXX Value of the vehicle and it was only {$14000.00} and Toyota Financial Services didn't want to take the offer from the dealership.
So Toyota Financial Services sent their third party Tow Truck to reposses and recover their vehicle at my place of residence and Sold it at a Auction in XXXX XXXX, California. I had some personal things in the vehicle trunk that I spent about {$200.00} worth of tools, Car jump cables, water cooler and misc.items. I wasn't given opportunity to recover my personal belongings.
I wasn't allowed as a US XXXX XXXXXXXX XXXX XXXX to keep he vehicle and make affordable payments of {$300.00} a month until the Auto Loan is paid as I wasn't able to refinance because of my credit issues during XXXX Pandemic.
On XXXX XXXX I was directed to XXXX XXXX XXXX XXXX in XXXX, Idaho, and spoke to a rep XXXX XXXX and she asked me for my Social Security and Physical Address and contact number information and I respectfully requested for collection company information and a fax number and I was given their information.
Here is their address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fax number XXXX XXXX XXXX XXXX XXXX XXXX Toyota Financial Services and third party collection companies has put Derogatory Negatives Remarks of collection and repossesion on my XXXX XXXX and XXXX
I am XXXX Lifetime and Retired and my Disability Pension Retirement is protected un der Federal and State Laws and this debt of {$5200.00} is uncollectable as vehicle was sold and XXXX XXXX sold their vehicle.
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| 12/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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Took out a car loan of {$57000.00} with Toyota Financial Services ( TFS ) on XX/XX/XXXX. The auto loan has a finance charge of {$9300.00} at 4.99 % annual percentage rate ( APR ). Payments for the car loan was agreed between myself and the XXXX XXXX dealership to start on XX/XX/XXXX for my first payment.
According to the contract signed, per the XXXX XXXX and Payments clause, the finance charge is calculated on a daily basis at the annual percentage rate on the unpaid part of the amount financed. Mind you my contract was agreed and signed by both parties to start on XX/XX/XXXX. Meaning, payment for my loan would start on XX/XX/XXXX. The Finance Charge and Payments clause also states, that, XXXX days after a payment is due as originally scheduled or deferred, TFS will compute and charge interest on any balance remaining unpaid, including any unpaid default charges or deferment charges at the annual percentage rate ( I am assuming Toyota Financial Services expects payments for car loans, middle of each month ).
Here is the issue I have with TFS and the dealership : XXXX. Having called Toyota Financial Services, I was told over the phone that the dealership included a {$7.00} daily late charge cover up in my contract. This was revealed to me and not included in my contract.
XXXX. Toyota Financial Services started pushing the amount finance ( car loan ) up daily by applying charges on the loan prior to the contract start date ( XX/XX/XXXX ) despite having not defaulted on any payment or the contract starting as agreed by both parties.
XXXX. By applying interest/late charges on the amount financed ( car loan ), the amount I borrowed from Toyota is now skyrocketing on a daily even before the contract is supposed to kick in.
XXXX. This manipulation and coercion tactic by TFS stressed me into making an untimely payment on XX/XX/XXXX for my first payment thereby, in believing the payment would affect the amount financed ( principal ).
XXXX. After 4 days ( XX/XX/XXXX ) of my first car note payment, the amount paid has and did not reflect on the principal amount prior to the bank holiday and the finances amount keeps going again.
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| 11/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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On XX/XX/XXXX my XXXX XXXX XXXX was flooded due to Hurricane Ida. I called both my insurance company ( XXXX ) and Toyota Financial Services, ( TFS ).
I called XXXX XXXX a week from that date on to verify all was fine. I told to NOT pay the XXXX bill which was due on the XXXX and that XXXX would make the account as total loss without interest our credit penalty.
Every week I called XXXX XXXX a week to check on everything. I was told XXXX hadn't submitted payment. I called XXXX and finally confirmed payment.
On XX/XX/XXXX I receive a letter from XXXX stating I owe {$0.00} after the receipt of the XXXX payment and cancellations of other warranties. XXXX paid out {$31.00} which brought my account to {$0.00}. I called XXXX on this day and was told that I owe {$0.00}. I called immediately back and was told the same thing.
On XX/XX/XXXX my daughter said she had a missed call from XXXX. I called them and spoke to someone who said I had a balance of {$3400.00}. He said XXXX did not cover this portion. He transferred me to XXXX and this gentleman said he was incorrect and that I owed {$0.00}. He said he would talk to the rep and. He came back and said XXXX is saying I ow this amount due to extensions taken on this account. He transferred to someone else who said I had a balance of {$980.00} and that it was being reported to the credit bureaus. I asked to speak to someone else and was told the office closed.
I called on XX/XX/XXXX and was told that this amount of {$3400.00} is correct and that I owe this amount. I asked why the letter from XXXX said I owed nothing just XXXX weeks ago. She said the letter did not state this. She looked into my account found the letter and said it was wrong. She said a new letter was mailed on XX/XX/XXXX. But I have not yet received this letter. She sent me a copy of the letter via email and it is dated for XX/XX/XXXX but like the previous letter it will take many day to receive.
I asked to be escalated to a XXXX, who said the XX/XX/XXXX letter was incorrect and that they told me this on every call. This is an outright lie. This have not happened. I have chased XXXX every step of the way.
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| 10/27/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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My Vehicle was involved in an accident back in XXXX of XXXX while the car was in the shop getting repaired we had a rental car for 30 days that was covered by the insurance company.
we were advised by the repair shop, that the repairs were delayed due to XXXX 's delay in sending the necessary parts to the repair shop. I contacted XXXX to expedite the parts but they didn't. the car spent over 4 months in the shop and I was forced to keep my rental car as I have XXXX kids and job I have to get to and not having a car was not an option.
I spoke with XXXX XXXX XXXX for a reimbursement of the rental fee which they said they would do. they asked me for the pertinent paperwork and I submitted all the necessary paperwork right away, the paperwork showed the XXXX invoices from the car rental company, the credit card statements reflecting I paid for the rental out of pocket.
I also submitted a XXXX per XXXX 's request when they told me they were going to reimburse me for the XXXX invoices.
months later when I called to follow up since I did not receive payment I was advised that the claim was denied. then that I had a free will but only for partial payment. in XXXX of XXXX ( 9 months after the initial claim was made ) I received a check for only XXXX of the invoices I submitted, conveniently, the lowest of the XXXX invoices.
I have been calling XXXX every week for the past XXXX weeks and they keep telling me they are escalating the case but I never receive a call or an e-mail. in addition they tell me that there is a " good will '' on my account and I should be getting the reimbursement in a few weeks, then I call again and they don't have a record of that conversation. This is absurd! a company like XXXX XXXX should be more responsible with their consumers and clear with their message. I am {$2100.00} in debt with my credit card for charges that were accrued because of XXXX 's inability to provide parts.
I need someone to help me make mw whole as I still believe XXXX should reimburse me for this. I have spent countless hours on the phone with them with a different story every time I talk to them. I feel cheated and abused!
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| 02/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Servicemember |
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On XXXX XXXX I receive a letter from Toyota Financial Services indicating my request for Extension on the unaffordable monthly payments of {$480.00} until XX/XX/XXXX as I was trying to trade my XXXX XXXX XXXX at the XXXX XXXX in XXXX California unfortunately Toyota Administration doesn't want to Acommondate me on my XXXX XXXX Act under Department of Justice.
Now Toyota Financial Services Administration are Retaliating against me as I filed many Federal CFPB complaints against them and wants to Repo my vehicle and ruin my credit and credit scores by reporting to XXXX, XXXX and XXXX.
I respectfully seeking a affordable payment of around {$300.00} a month no higher than this as I can only afford {$300.00} to {$330.00} monthly payments.
XXXX XXXX XXXX is at {$14000.00} and XXXX, California will not pay Toyota Financial Services {$23000.00} as car value on XXXX XXXX XXXX has decreased.
Also, I didn't authorize or gave Consent to Toyota Financial Services to pull my credit for a Retail Extension I was provide with a Extension on XXXX XXXX according to evidence on various filed complaints against Toyota Financial Services Administration.
CFPB filed complaint on XXXX XXXX and back around XXXX XXXX with CFPB Complaints Case # XXXX ... ( File case # XXXX on XXXX XXXX CFPB case # XXXX I am been Retaliated and Discriminated by Toyota Administration because of my National Origin XXXX XXXX American and my XXXX Status.
I am respectfully XXXX Lifetime and a XXXX XXXX XXXX XXXX Veteran.
Toyota Administration and XXXX are in violations of Federal and State Laws.and violations of my XXXX XXXX Act under Department of Justice.
Toyota doesn't have the right to pull my credit for a payment Extension and XXXX allowed them to do it and I didn't sign no documents for a credit pull.
Toyota Administration denied Extension.
Does Toyota Administration has a business partnership with XXXX, XXXX and XXXX?
I am respectfully requesting a Federal Investigations against Toyota Administration and XXXX XXXXmmediately.
I will send a email to US Senator XXXX XXXX on this Retaliation and Discrimination of Toyota Administration and XXXX.
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| 06/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I want to sue toyota financial services because in XXXX they made me a credit extension in my name in which after the credit transaction they made me sign a promissory note ( contract ) in which I delivered my property to them in a deceptive way. The contract that contained an arbitration clause that was never shown to me nor was I required to read, now in XX/XX/XXXX I got a copy of this presumptive contract that clearly shows the amount of credit that was taken in my name to pay the XXXX XXXX XXXX ( XXXX ) which was the product for which I signed a credit application and after they extend my credit and pay the car to the dealer number XXXX they made me sign a contract in which they discredited me as a debtor. This contract has many presumptive and deceptive clauses which I would never sign if that transaction were made today. I also have evidence of a guarantee that they sold me with the excuse that if I took that guarantee they would lower the interest of the car, an offer to which I agreed since it was an unfair deal to sell me their mandatory product, a product which I canceled after a week and the money was added to the capital balance on XX/XX/XXXX for the amount of XXXX this amount was also used from my credit with my consent but in a fraudulent and deceptive way, for that reason it was refunded to the account capital. I demand that I be given the amount of credit that they took in my name to pay the dealer and then they sold me a contract in which I delivered my property to them in a deceptive way. And if they refuse to pay me I will take them to court and they will have to show where they got the money from and show that credit transaction and I have proof that the guarantee that I canceled was put in the capital of the contract, that proof is enough to show that my credit was extended and you see I pay the car in full but not with their funds. 12 CFR 1026.36 - 15 USC 1692B- 15 USC 1602. I am the consumer, a natural person, none of the codes define me as a debtor and they defamed me in their contract saying that I am a debtor because they deceived me with their presumptive contract. 15 USC 1602h 15 USC 1602 I
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| 03/12/2017 |
Yes |
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- Incorrect information on credit report
- Account status
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Web |
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This is in addition to my initial investigation with Toyota Motor Credit that is still in process.. THIS IS A SECOND COMPLIANT.. MY FIRST COMPLAINT IS STILL IN PROGRESS..On XX/XX/2016 my account was reported 30 day late to the credit bureau. I contacted Toyota and spoke to a number of representatives in the call center and a manager who indicated my payment was made via the automated phone system prior to XX/XX/XXXX date of the following month. However, due to XXXX holiday and the company being closed, the payment was posted after the 30 day mark. I disputed this information indicating not only was my payment made within the correct time period but it was not 30 day late and there had to be a system error. I escalated this issue and was advised that the internal system indicates when the date posted ( not made ) and therefore the reporting was correct. I have never been marked as 30 day late and certain the payment was n't late. I was also advised by representatives in the phone center and also a manger who indicated the date the payment is made is the date that is used when reporting a payment. I continued to dispute the information with the Toyota and they continued to advised they had no error. Since that time my information has been reported to the credit bureau incorrectly and XXXX major credit bureaus ( XXXX and XXXX displayed the information differently ). Hence, there is a error within Toyota 's system. That occurence has been and should be documented on my account as that issue is has not been fully resolved. I 'm requesting the 30 day late reporting be removed, and someone take the time to due the leg work to investigate the issue. Just because your system is reflectingsomething is not a indicator that there is no error. To simply go into a person 's account and see what is reported is not looking into the issue. Check to see when the payment was actually made, when it was reported, why was it reported late, how was it made..etc ... Again, the issues with credit reporting continues to validate there is a error with Toyota 's internal system. The 30 day marker needs to be removed. My account number is XXXX.
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| 01/31/2022 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have noticed several billing errors in the Truth-In-Lending disclosures section of the Retail Installment Contract - SImple Finance Charge. The first one being the number of payments as well as the amount of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase goods or services from a seller who ( 1 ) refers consumes to the creditors or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as the truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of the amount financed. The {$3000.00} cash payment and the 2020 XXXX XXXX trade-in placed under section 2 which references Total Downpayment ( if negative enter 0 here and see 4H below ). This is in violation of 7 CFR 1436.10 ( c ) The downpayment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ).
These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer on the character / amount of any debt 15 U.S.C. 1692 ( e ). All debt obligations and securities are owed to the United States 18 U.S.C 8.
DO NOT hinder nor delay the delivery of the consumer goods associated with the transaction.
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| 03/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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I got scammed by XXXX XXXX XXXX, they used the co-signer scam on me and took advantage of my naive position as an immigrant that doesn't know anything about how things work and the fact that I had good credit and they just wanted to sell a car no matter what. They made the co-signer scam by telling the person I was just accompanying that he didn't qualify on his own for financing and said that since I had a relationship with him they suggested me to co-sign for him, they lied to me assuring me that In was only signing as a reference to help him be able to get a loan and have the car with better interest and better price. But this is of course FALSE!, this was repeated by another finance manager when I tried to r4turn the car, she said they ( Toyota Financial ) couldn't get to me for money because he was the principal not me, it was until months after that I realized of the scam and lies, when the lender ( Toyota Financial ) called me to explain I was equally responsible for paying the debt. The debt on the loan is now {$22000.00} with {$2200.00} in late payments.
I accompanied my boyfriend and roommate at the time XXXX XXXX XXXX, to buy a car at XXXX XXXX XXXX. I just went with him as a company but when he applied the finance manager told him that he didn't qualify and that he needed a co-signer, they asked about what was our relationship and proceeded to tell me I could co-sign for him and that I was only signing as a reference to help, no one explained to me what co-signing meant and I am an immigrant and I do not know anything about that. No body told me I was going to be responsible for paying if we didn't and that I had to rights to the car. Once I realized XXXX XXXX XXXX was a con artist I tried to take the car back to the dealership, only to be told by XXXX XXXX another financial manager at that dealership that they could not come to me for money because he was the principal and I now know that is not true, she lied to me. I lend him the down payment money which he paid in full to gain my trust, he said he would pay the car once he got the inheritance money from his mother 's death and that was all a lie.
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| 11/27/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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I spoke with Lexus financial regarding my car payment which is XXXX I told the rep after being in the hospital I only have XXXX to pay would that be ok as I was XXXX short she said thats fine I asked her would it still be considered a late payment she said no just get the XXXX in as soon as you can this was on a XX/XX/2023 I called back Monday XXXX and the account rep told me the account is reported 30 days late on my credit because of the XXXX thats was delinquent but in speaking with the representative they offered me a deferment on the account and said I should have been offered one previously and they proceeded to tell me it would be XXXX to process it which does not go to the payment its just a fee for processing the deferment however the phone hung up in the process of making the payment I called back to see if it was processed or needed to be done again I went through 2 more representatives which one of them put me on hold and hung up I spoke with one lady saying it would be {$170.00} and not XXXX I was really confused because I already got a confirmation of a payment via email for the {$200.00} I told her that then she proceeds to say your in the wrong department I really dont know let me transfer you? Which was really confusing she also told me I could get a deferment again However my complaint is had I known I could get another deferment I would have used the XXXX and some change on that not pay Half the car note and still get a 30 day late and still pay XXXX for a deferment which could have eventually just went towards the lease payment due to me being on medical leave my checks just came in late was I being ripped off I feel as if Lexus financial kind of scammed me with this one And the representative told me it wasnt going to be late credit reporting because I paid more than half on it and was just due for XXXX which when I called back that was untrue and the last lady I spoke with was very rude and she didnt even want to explain things clearly without breathing hard and being rude I spoke with Lexus financial for 3 hours on Monday with everyone giving me a different story how is this possible
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| 02/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Older American, Servicemember |
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I have spoke to Toyota financial services numerous times about my issue with paying on my loan unfortunately for myself I have lost my job due to corona virus 19 and I have been doing everything in anything that I can do to pay something towards my loan in the beginning I was able to make the payments and I follow through with paying them on time when corona hit unfortunately that changed they gave me two payment extensions and thats about it they took off some fees totaling of {$78.00} my car note is {$550.00} per month and I am unable to pay them and Im getting threatening calls and theyre gon na repossess my car or if I dont pay this big lump some of the car which is {$21000.00} I cant afford that I havent found a job yet the job market is absolutely horrendous I keep calling to try to get an extension or some type a payment plan and theyre not even willing to work with me with that I have been paying {$200.00} every two weeks because thats what Im collecting from unemployment and thats all theyre giving me right now and then I also have to pay 25 % of my rent and then my other bills this is something I never thought I would ever be in my life I am scared I dont wan na lose my car but how do I go find a job when they take my car for me and they want me to go to work I dont know what to do anymore Im stuck at this position where theyre threatening me and Im scared and I dont know what to do I need someone to help me to let these people know that they cant do this its not my fault that I dont have a job its not my fault that this has happened to the world like this is not my fault and Im about to lose what I have for no reason at all Im trying to do the best I can with the money that I barely get from unemployment its not even a lot it covers nothing I get {$400.00} every two weeks thats {$800.00} a month and my car note is XXXX for my rent is XXXX My cell phone bill credit cards electricity gas it goes on and on but I need to stop Toyota financial from re-pulling my vehicle for me trying to stop getting work I need to be able to get work I need my car to go and get work Please and thank you XXXX XXXX
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| 01/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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I have reviewed my credit report and notice there were some inaccurate information that will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Please Delete incorrect names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Columbus XXXX Ohio XXXX Please Delete Telephone numbers that do not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX This is my number ( XXXX ) XXXX
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| 02/29/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Problems when you are unable to pay
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Web |
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Debt cleared then re-emerging after new sale was made. I leased a vehicle XX/XX/XXXX which was totaled XX/XX/XXXX. GAP coverage, insurance, and individual coverage from the branch of Toyota were all applied to my balance to cover for the vehicle and the vehicle itself was auctioned off. I had received a letter notifying me that I had around 20 days to pay off a large sum of money ( approximately XXXX $ ). I could not pay this amount so it was put into collections. XX/XX/XXXX, I returned to the same Toyota dealer who originally leased me the vehicle to clear up any debt I may owe and possibly consider another vehicle, as I needed one to commute to work. After over an hour with the finance manager, and him making several calls to Toyota financial and Toyota Motor Credit Corp, we came to a resolution. The finance manager assured me I did not owe any sum of money to Toyota Motor Credit Corp, as did the individuals from TMCC we were speaking with about my account. I was entirely prepared to make a cash payment settlement at this time, but was assured I was clear of debt. After this all took place, the finance manager quickly addressed my need for a means of transportation and introduced me to a floor sales representative who had then sold me a vehicle for just over {$12000.00} under Toyota Motor Credit Corp. This is the car i still possess today, and make 100 % on time payments for each month. However, I received a letter in the mail today dated XXXX XXXX, XXXX stating it was a claim for collection from Toyota Motor Credit Corp in the amount of {$7400.00}. I feel that there has been a violation of the Consumer Protection Act in that I was taken advantage of, and even misled about information regarding any debts, in order to make me purchase another vehicle. This deception caused me to purchase a vehicle unaffordable to me in the event I owed such debts. Purchasing a more affordable vehicle and resolving the debt would have been my course of action had I not been deceived. However, instead I have been almost tricked into purchasing another vehicle and lied to about the true details of any debts owed.
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| 08/30/2023 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have been facing ongoing issues with Toyota Financial Services regarding discrepancies in my credit report and their failure to provide essential documents relating to my account. Below are the specifics : Credit Report Discrepancies : I identified several inconsistencies on my credit reports from XXXX, XXXX, and XXXX. The discrepancies include : Lack of data for XXXX XXXX.
Incorrect payment reporting sequence for XXXX XXXX XXXX
Data gap for XXXX XXXX.
Double repossession reporting for XXXX XXXX.
Failure to Provide Requested Documentation : Toyota Financial Services has not provided me with the necessary documents related to my account and repossession, despite multiple requests. I have specifically asked for : Sale amount post-repossession.
Information concerning insurance claims related to the repossession.
Debt verification as per the Fair Debt Collection Practices Act and the Pennsylvania Fair Credit Extension Uniformity Act.
In my pursuit for clarity and resolution, I have sent two formal letters to Toyota Financial Services detailing my concerns and requesting specific information. I will attach the Return Receipt PDFs for both letters in this complaint for your reference. In response, I've received letters from Toyota Financial Services that I perceive as " stall tactics. '' Their correspondence claims that I did not provide sufficient information for them to conduct an investigation, which is patently false as I meticulously detailed my concerns in both letters.
Additionally, I've also attempted to resolve these issues over the phone but found them to be unhelpful, with no progress made.
I believe Toyota Financial Services is deliberately stalling and avoiding their obligation to conduct a legitimate investigation into the matters I have raised. They are refusing to provide me with the essential documents that I am legally entitled to in order to verify the amount and the validity of the debt they allege against me. Their lack of transparency and responsiveness feels evasive, hindering my ability to address the inaccuracies and understand the alleged debt 's breakdown.
|
| 09/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
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Web |
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My sister and I financed a loan through Toyota Finance for a XX/XX/XXXX XXXX XXXX XXXX and in XXXX there was one payment left on the loan. Unfortunately, there was a bad storm and a tree in my sister 's yard fell onto the XXXX on XX/XX/XXXX creating a total loss. The insurance company called Toyota Finance to obtain the loan payoff amount with the intention of sending the payoff to Toyota and the remainder of the claim balance to my sister so as to expedite the process allowing my sister to purchase another vehicle quickly. This was very important as my sister 's son was severely injured in an auto accident on XXXX and my sister would travel almost daily to see him in XXXX some 70+ miles away. Toyota explained to the insurance company that their policy required the ENTIRE amount of the insurance check for the actual cash value of the vehicle and once received, they would process the payoff and return the remaining funds to my sister. The insurance company explained the situation to Toyota that my sister needed another car quickly but Toyota would not budge from their stance. I called Toyota around the end of XXXX after hearing the situation from my sister and I was told it was their policy to require the entire amount of the insurance check in a total loss situation and they refund any difference and we can expect a check between 18-21 days from when they receive the check from the insurance company. I asked their reasoning for why they needed to receive the entire amount of the insurance check - approximately {$12000.00} when we only owed {$430.00} left on the loan- exactly one payment. I was told this was their policy but was never explained the reason for said policy. I have worked in Loan Administration and know that there is no viable reason for this policy as the only sum of money needed by Toyota is the amount of the payoff to satisfy the loan balance and release their lien on title. As a result of this unfair policy, my sister and I have been financially harmed. I had to use my savings to purchase a car and at this point ( XX/XX/XXXX ), we have yet to receive a check from Toyota.
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have been working with XXXX since XXXX when I was in a deadly fire. I spent a great deal of time trying to get them to take the car back because I was not working and my husband was XXXX and I had been badly burned and injured. They had agreed to take the car back with no penalties. possibly just a small fee and if it needed detailing, which I had done for them. Somehow all of that information was lost during some switching of loan servicers and I received a letter saying I owed around XXXX. There was suddenly no record of the many conversations with supervisors. The bill has continued to grow and now that I am getting a new mortgage It is damaging my credit report. I loan advisor had asked me to call the collection agency that was the agency for XXXX, XXXX. I called them and discussed a payoff. I told them at one point XXXX said I owed them XXXX so I would pay that amount but I wanted to make sure they would communicate timely with XXXX and show the payoff agreement and cash my check I gave over the phone. I have a recorded conversation saying it would be done right away and on my credit report it would show paid as agreed OR settled in full. The chek took a month to clear. XXXX is not reporting this correctly. One agency it says I owe XXXX. Another says I owe XXXX and I paid XXXX. Another says Charge off XXXX. I have disputed this almost daily with letters of proof of payment and a letter from XXXX showing settled. I have called XXXX and they said it will never say paid in full or XXXX balance and they are not correcting it. I call XXXX almost daily and spend an hour or two while I wait on hold for a supervisor and they come back and ask me to call back another time. I have yet to speak with a supervisor. I have called XXXX and they say its not up t them to fix the credit bureau and its up to XXXX what they want to show on the credit report. This is after a 9 minute recorded conversation. This was very deceptive practice to collect for XXXX and for both of them to tell me it would report settled or paid as agreed with no balance and then not back it up after they received my money.
|
| 06/05/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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In XX/XX/2017 I returned a leased XXXX Prius and purchased a XXXX Toyota Rav 4 from Toyota Financial via the XXXX XXXX Toyota Dealership in California. A few weeks ago I received a phone call from a collection agency ( XXXX XXXX ) that I owed Toyota Financial {$580.00} for " excessive wear and tear '' on the Prius. I asked what the charges were for and requested a report. Three weeks later I received a report saying that the charges were for " floor mats '' and a " second key. '' At the time I purchased the Rav 4, the salesman at XXXX XXXX Toyota, XXXX XXXX, removed the floor mats and took them out of the Prius. Charging me for these is unfair given that I returned the Prius with the floor mats and had no idea I was going to be charged some ~ {$210.00} for them. Secondly, I called the sales man and told him that I didn't have the second key and he said it was fine. There was no mention that I would be charged {$370.00} to replace it. But aside from all that, I never received written notification that this was an outstanding bill before being notified by XXXX. I have a current car loan with Toyota Financial and have electronic notifications activated on my online account through which I paid my Prius and pay my Rav4 car payments. I have a perfect borrowing history. I never received any notification through my online account. In fact, the account balance still says {$0.00}. I also never received a single phone call. I never received a paper notification. Now, XXXX is threatening to report this and damage my credit unless I pay the balance. So I am because I feel threatened. Toyota Financial has behaved unfairly, has been deceptive by not notifying me or communicating in the manner by which I have elected via our online communication agreement, and is being abusive by threatening me with damage to my credit score. I feel that this is wholly unfair, unethical and a violation of fair lending practices. Further, due to the lack of communication about these charges, I was never given the opportunity to contest or reconcile the charges with Toyota Financial before being sent to collections.
|
| 09/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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I have a loan with Toyota Financial for a XXXX XXXX XXXX I set up automatic payments. Each month the amount due is deducted from my checking account. In mid XXXX I received a written notice that my payment was late, and that because my payment was late ( by only a few days ), a negative report would be sent to the 3 credit reporting agencies. I called them immediately and made full payment. They had no explanation for why this happened. The Toyota rep helped me reset my password. Today, I received a bill again. Because the bill made no mention of my automatic payment status, unlike other automatic payments I have set up, I phoned Toyota Financial to confirm it was still set up. I waited an hour by phone with loudobnoxious music playing the entire time so that I could talk with one of their representatives. The rep 's name was XXXX ( employee # XXXX ). She confirmed it was set up. I expressed dismay that the request I had sent by written letter ( the only form they would accept ) to have the negative evaluation removed was denied. She said the reason it was denied was because she reports that I had logged onto their website and before being able to go the website, a notice was presented that I had to accept ( that I had read it ). By accepting that I had read the notice, it changed the terms of my automatic payment, and removed it. Firstly, I do not recall at any time logging onto the site in the last six months. Secondly, even if I had, I believe consumer protection would have required Toyota to appropriately inform me that by accepting I had read the notice, my automatic payment status was cancelled. The rep, XXXX, said the notice was in the disclosures at the bottom of the website. Even if I had logged in ( which I do not believe I did ) AND I had accepted reading their notice ( in order to see my account ), it is NOT acceptable to change my payment terms without a clear and prominent notification. I believe it is fraud. I would like your help removing this negative rating from my credit report and ensuring that no one else has this incredible and unethical experience.
|
| 01/22/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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Web |
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I had a toyota XXXX on lease since XX/XX/XXXX. I was three months behind.I called XXXX to verify a check was being sent out on XXXX for {$670.00} from my church. The guy noted my account. But noted it wrong, said I told him my church was paying pay due amount which would of been {$1000.00}. I never stated that. On XXXX I called to let Toyota know the check was in its way N I wanted to make a payment to being my account current. They said we are only excepting cash through XXXX XXXX or atm ... I said ok I want to pay the XXXX since the check is already in its way. They said no we ca n't except the check you need to call the church to put a stop payment on it. I said excuse me, that 's crazy. She said you should reach out to family and friends for help.So I called my mom got the money its still the XXXX, I call back to make the full payment of XXXX $ the lady said no we are not taking any payments, I said what why not you Told me to call when I had the money, I 'm calling. She then put it in repo status. which is crazy when I was paying with a debit card. I called the next day on XXXX n tried to make the payment thinking I would get someone else nope same person and still would n't take a payment, there was no reason as to why she would n't take the payment. On XX/XX/XXXX my car was repoed I called and asked why they said because you failed to make payments or to bring it up to date with payments. I said excuse need I have been in contact with you since XXXX n before that date ... .. Now they want me to pay the full amount of the vehicle which is XXXX $ Which makes no sense cause I was trying since the XXXX to bring it to a XXXX balance and the customer service reps kept telling me no they not taking a payment ... Now how is this even right too tell someone no if the car want in repo status but then repo the car n ask for the whole purchase price when it 's a lease? I do n't understand as to why I was denied a payment give days straight, I understand I had difficulty paying but it 's not like I totally avoided them I was in contact with them monthly and if not weekly ...
|
| 02/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I submitted a dispute to the credit report agency XXXX XXXX, XXXX and XXXX. I requested an extension deferral on my car loan with XXXX in XX/XX/XXXX, I requested it for the payment due of XX/XX/XXXX, I asked could the payment be deferred to a later date before the due date. XXXX offers payment referral extensions to customers who are having financial hardship. I was having financial hardship in the month of XXXX. XXXX approved my request and told me my payment due for XX/XX/XXXX would be extended to the end of the loan on XX/XX/XXXX. They emailed me a document to sign to confirm the transaction and to upload on their system on XX/XX/XXXX, I uploaded that document on their website, I called back three times in XXXX and each time each representative assured me that it would take longer than usual to search for my document because they had a lot of documents to process, I called XXXX 5 times in the month of XXXX to confirm the transaction, each time a representative told me my extension was approved and not to worry, they had even resent me a document to esign because of their error. I esigned the document and the transaction was confirmed and the extension was deferred and approved. I called XXXX to explain the incorrect credit reporting, a supervisor and a representative sent a dispute after reviewing my account and reading notes and seeing how many times I called in, showing that it was an error on their end and ask the Credit disputing department to fix it and remove the late payment with the credit bureau and XXXX XXXX department is still refusing to remove the inaccurate information. They provided no details in their letter as to why they made this decision, I even called XXXX back and asked them have they reviewed my account and listened to the recordings of all the calls I made to them and they still provided no details as to why they reported my payment as late. Their only response is " our records are correct ' '' with no details explaining to me how this is not their error when I submitted my documents and did everything I was supposed and they APPROVED ME!
|
| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is not a Dispute. I am a Victim Of Identity theft. Please do not act in violation of the FCRA 605B, 615 ( f ) and 623 ( a ) ( 6 ). As the consumer, I have done my part in reporting this to all necessary authorities including the FTC and Local Police Dept. My Signature on the FTC report serves as my sworn statement. 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt.
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable V
alidation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THEFT ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18 USC 1028A Aggravated Identity Theft 18. Invasion of Individual and Family Privacy
|
| 12/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
On XX/XX/18 my wife XXXX and I entered into a lease agreement with Toyota Financial Services for a new XXXX XXXX for 3 years. At closing, I was asked if we wanted GAP insurance and given a price of approximately {$30.00} per month. I knew the price was high and asked if it was cancellable at any time. Finance Manager XXXX XXXX said that was indeed cancellable at any time. So I agreed to purchase this GAP coverage.
On XX/XX/18 my wife called the dealership inquiring into cancelling the policy. She was given an XXXX number, called it, and was given a fax number and instructions to hand write ( and sign ) a note asking the policy to be cancelled. Attached is a copy of that letter and fax delivery confirmation.
Now, Toyota Financial is saying that not only have they not received the request ( this is a minor concern, as I have reiterated the request through a secure message on their website ), but that upon receiving the cancellation notice, we will continue to pay the roughly {$30.00} per month for the GAP coverage for the duration of the lease. This amount will come off of the principal balance of the car at the end of the lease agreement.
1 ) I lose the time-value and interest on this money, which is of course outright robbery, that these finance managers at Toyota pretend not to even understand this concept.
2 ) When I asked if the GAP was cancellable, and was told yes, at any time any reasonable person would not assume that this monthly bill would continue on until the end of the lease. At a minimum this is highly deceptive and reckless ; what is very likely is that it's a scheme to steal from people through dishonest practices. At the very least, this arrangement should have been disclosed ( i.e. " yes, its cancellable, but you are locked into this exact payment, and we return the excess payments through reduced principal at the end of lease '', for example ), and if it had been disclosed and I was fully informed of the arrangement, I definitely would not have agreed to purchase the coverage. This lie, this deceit, changed my purchase decision entirely.
|
| 12/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I was the co-signer on my son 's new car purchase XX/XX/XXXX leased through Toyota Financial Services ( TFS ). The Toyota lease was setup for automatic payments starting late XX/XX/XXXX. From XXXX to XX/XX/XXXX, without our knowledge, Toyota Financial Services withdrew payments for the lease from another unknown person 's account. My son was in the military during this period, and he noticed in XX/XX/XXXX there were no Toyota Lease payments being withdrawn from his personal checking account. We logged into his Toyota Financial Services online account and noticed that the checking account number listed in the TFS account was off by one number, and payments were being made from an unknown person 's account. We immediately updated his TFS online account to reflect his correct checking account number and in XX/XX/XXXX and forward all payments started being withdrawn from his checking account. In XX/XX/XXXX, we also immediately contacted Toyota Financial Services of this error and it took TFS 3 months to investigate. On XX/XX/XXXX, Toyota advised us of the payment due and that they had reversed all the previous erroneous payments to unknown account. TFS did not disclose to us how the account number error occurred or how they were able to withdraw my son 's Toyota lease payments from another person 's account. We made one lump sum payment on XX/XX/XXXX, for the previous erroneous payments. TFS representative advised us that the previous erroneous payments would effect our credit reports. A few months later TFS reported 6 late payments from XX/XX/XXXX to XX/XX/XXXX. Payments were never late, and due to TFS payment processing error, payment were withdrawn from inaccurate account. We have TFS statements showing all payments being made timely, and one lump payment being made XX/XX/XXXX for previous TFS payment error. The TFS lease was paid in full in XX/XX/XXXX and account is now closed with late payments still be reported. We are kindly requesting that Toyota Financial Services remove all late payments from the account. We have TFS documents to support our claim.
|
| 10/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
It has come to my attention that Toyota FInancial Sevices has violated many Federal Laws and Policies throughout the past year. I have brought them to there attention and the CFPB as well as the FTC last year and continue to do so. Toyota Financial has even removed there account from my Consumer Report due to the various violations that I have sited in the past but has failed to conduct themselves in honor. They have continued to send me various billing errors and harras me as well with phone calls about alleged debt.
First off I was charged a finance fee/down payment for the XXXX XXXX XXXX XXXX of XXXX which was the value that they gave my other car that was worth XXXX at the time. Persuant to 15 U.S.C. 1605 ( a ) the finance charge is the sum of all charges.Included in this charge was to be all insurances, services and maintenance charges.
Not only was I not told how they even came up with my charges and fees, violation of 15 U.S.C. 1632 Annual Percentage Rate, but they then didnt give me any of the required by law notices that they where supposed to. 12 CFR 1026 ( 2 ) ( a ) ( 11 ) ( 2 ) and 15 U.S.C. 1635 Rescission Rules state Toyota Financial was suppose to give me documentation about these rights within 3 days, one copy by mail and one by email which was never done.
Due to Toyota Financial 's brazzen behavior towards the violations that they continue to mock through 15 U.S.C. 1692 ( a ) and ( c ) Communication in collection of a Debt and 15 U.S.C. 1692 ( e ) False and Misleading, I am requesting the following remedy : Furnished Clean Title with my name as lien holder along with the full remaining balance of the vehicle in question of {$32000.00} along with the years worth of the car note {$8200.00} as well as the $ 5K used as down payment. I could go on with the violations due to it being a long year back and forth with them but I think you will get the point. Lastly i want to make it very clear that I DO NOT WANT TO RESCIND the entire contract ONLY THE TRANSACTION. Thank you and please let me know if you need anything further from me.
|
| 10/01/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
To whom It may concern, I am writing to file a formal complaint against Toyota Financial and XXXX XXXX Dealership. In XXXX 2015 my family and I were the victims of predatory lending. We went to XXXX XXXX to find a family sized vehicle and unfortunately were told we had some negative equity that would make it nearly impossible to finance a vehicle. The salesman and sales manager insisted that if we went through their bank " Toyota Financial '' no matter the amount of negative equity, they would be able to push it through and make the deal work. At the time we were very vulnerable and the salespeople and managers at XXXX XXXX saw that and immediately took advantage of a young family and our situation. Since we leased the vehicle in XXXX 2015 we have been under a severe amount of stress trying to make the XXXX XXXX car payment each month. We have been late a few times but try our hardest not to be since we do want to maintain our decent credit. On XXXX separate occasions I contacted Toyota Financial AND XXXX XXXX to explain to them that I could no longer afford the vehicle. Toyota Financial explained to me that my only option would be to find someone that could take over the lease. This would be impossible to do considering the monthly payment. When I spoke with the dealership directly they were very frank, rude and defensive and told me if I brought the car back it would be marked on our credit as a repossession. I am writing you in one very last desperate attempt to get help as I have exhausted all other options. My family and I are victims of a monster sized companies Toyota Financial and XXXX XXXX preying on vulnerable families. I know for a fact we were victims of the following : Predatory Lending Over Excessive charges and Fees And a violation of the Truth and Lending Act I have gone to both parties and expressed my inability to continue to pay the high car payment each month and they have not given me any reasonable options. As a result of their refusal to help me I have no other choice but to file this formal complaint with you.
|
| 10/25/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I leased a XXXX XXXX years ( XX/XX/2013 ) on a lease term of XXXX per month for 36 months or XXXX miles. Since I used up the miles in XX/XX/XXXX this year, I returned the car to the dealership where I leased the car. I asked the dealership " I am not early terminating the lease but I have used up the miles and I do n't need the car anymore ; what should I do? '' The dealership checked the car and let me signed off the mileage, and told me I just keep paying the monthly lease payment until the end of the lease and I will be done with the contract.
So I returned the car to the dealer and I continued to pay my monthly lease payment on my Toyota Financial Services account. Up until I paid my XX/XX/XXXX lease payment, everything was fine. My account showed I have XXXX more payment of XXXX left on my lease and I owed XXXX balance in XX/XX/XXXX.
When I went to pay my last payment of XXXX in XX/XX/XXXX, however, my account vanished. The website says I do n't have an account with XXXX.
Next I received a horrifying bill of {$3300.00} from XXXX, claiming that as an Early Termination Statement. They charge XXXX times of what my last month payment because I " voluntarily early terminated '' the lease.
I called the Toyota Financial Services, they refused to either make adjustment or let me contact with whoever responsible to make adjustment except trying to throw me to a collection agent.
I went to the dealership, they are willing to help but they say they can not make adjustment so they need the financial service to tell them what they need to do to help us. So I called XXXX XXXX again asking what they need the dealership to do to prove that I never early terminate the lease and the dealership instructed me to keep paying the lease monthly as usual then I will be done.XXXX Services again refused to provide any information except throw me to a collection agent.
I hope to get in touch with Toyota Financial Services so they could provide me the correct bill that I could pay. I am not responsible for a {$3300.00} early termination bill.
|
| 05/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
I experienced identity theft and notified XXXX XXXX, XXXX, XXXX, XXXX and Toyota. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. XXXX XXXX XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with XXXX police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And Toyota was paid in full and apparently that payment went to a different payment address and it took Toyota three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/XXXX - {$84.00} XXXX XXXX XXXX XX/XX/XXXX - {$18.00} XXXX XXXX XXXX These amounts are from an account that was closed and no longer exists after a fraud attempt from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX
XXXX has been contacted several times about this company, yet they have no taken down the page, done anything about the dispute or prevented letters from being sent. The number ( XXXX ) XXXX is NOT even an active number. There is no other active service number or email to call about this matter and they have not given me validation that the debt was unresolved.
XX/XX/XXXXXXXX my work email ( XXXX ) was exposed to the dark web last used from an IP address in XXXX Oregon from the same location where the headquarters for returns to XXXX is located. The email was sent a receipt for three items purchase through the app " XXXX ''.
XX/XX/XXXX An unauthorized inquiry was made for XXXX line of credit.
XX/XX/XXXX An unauthorized attempt was made for a line of credit for " XXXX XXXX '' XX/XX/XXXX Work email XXXX was found several times under the dark web for an EXPOSED email and password for " XXXX '' and " XXXX ''.
There are 3 accounts still listed on this credit report that have been CLOSED for one year or more through XXXX XXXX XXXX. They have been settled and are still appearing on the consumer credit report.
There is also a line of credit through TOYOTA MOTOR. This is supposed to be written off as a loss as the car was totaled on XX/XX/XXXX. It was settled through the car and medical insurance and written off as a loss!!
On XX/XX/XXXX a AI generated call was made to XXXXXXXX XXXX using my personal email and information to hack into my email and XXXX XXXX! A charge made by XXXX XXXX XXXX for {$14.00} was cancelled. XXXX then sent an email to my personal XXXX account asking for me to leave a better review of their item from an item I returned in XXXX of XXXX that I was never refunded for!! A subsequent XXXX XXXX account and debit card were created and the account ending in XXXX was closed on XX/XX/XXXX!!
|
| 12/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Starting balance for XXXX XXXX vehicle was {$32000.00}. According to the Toyota sale contract, my interest rate is 6.99 %. XXXX was the first month I needed to make a payment in the amount of {$540.00} with {$320.00} going into principal payment and remaining into interest. I made two ( 2 ) additional principal-only payments in the amount of {$4900.00}. Payments for these two principal payments of {$4900.00} were posted on XXXX and XXXX. Toyota financial incorrectly added an interest fee on XXXX for the amount of {$5.00} and an additional interest fee for the 2nd payment on XXXX in the amount of {$4.00}. I had to call both times to have them correct the mistake of the interest charges which the entire dollar amount should have been towards the " principles only payment '' as I explained when I made the payments over the phone.
According to a billing dept rep that I spoke to at Toyota financial, I should only be charged {$3.00} daily for interest.
Base off my calculation, my current balance should be {$22000.00} not including the {$3.00} daily interest charge.
My account history statement shows a starting balance of {$32000.00} on XX/XX/XXXX. I don't understand how my current balance is now {$22000.00} as of XX/XX/XXXX. If the daily interest fee of {$3.00} is applied daily, the total cost should not have went up too {$22000.00}, the calculations do not match.
I have tried contacting toyota dealership for an explanation multiples times and have been unsuccessful.
I requested an amortization fee schedule to justify what hidden fees toyota is charging me and to explain the daily interest daily fee but have been unsuccessful in obtaining the document to break down the charges. The 3 times I requested the amortization fee schedule charges, they provided me with a cover letter only, not giving me a breakdown on what fees they are charging me for.
It seems like they are overcharging me with hidden fees and no one is able to justify these charges at Toyota financial.
Can someone please help me out.
thank you, XXXX XXXX XXXX
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| 03/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
|
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Web |
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We have a fixed rate auto loan with XXXX XXXX. We pay extra on the loan most months and noticed that the amount due on the bill fluctuates each month which should not be possible given that the loan terms are fixed. ( Background : My career and XXXX XXXX are both in finance ).
I called XXXX XXXX today and spoke to employee ID # XXXX. I described the problem and was forced to listen to a recording about how additional funds were not applied to principle unless one were to jump through a bunch of hoops after each payment to get the additional funds applied to principle. What they do instead is apply the additional payment to future payments.
By doing this they are overcharging me in interest as the additional payments are not impacting the outstanding principal balance they are intended for. The outstanding principal balance is the input in the calculation made each month when payment is made to derive how much of the payment goes to interest with the remainder going to principle ( as per any standard amortization schedule ).
This practice is dishonest if not illegal. Why would anyone decide to give the lender money in advance if it has no impact on the total interest paid over the life of the loan? Literally they are taking this money as if I were now lending them cash interest free or if I am being paid interested on my advanced payments, they are creating a potential tax liability for me that isnt getting accounted for when I pay income tax.
I asked the kid on the other line to tell me where on the loan documents I could find this unconventional and possibly illegal practice defined. He could only point me to the bill and didn't seem to realize that the bill was not an addendum to the contract or even on the same legal level. Finally, he asked " How can I help you? '' as if it wasn't clear what I was requesting to happen. The call was ended unresolved.
Later after reading the loan documents I found where credits were applied in reverse order and it suggests that interest is also paid ( see attached documentation ).
|
| 08/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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XX/XX/XXXX, I requested Toyota XXXX to remove or expunge from my credit report after dealing with a legitimate payment dispute that took over 2 years and 2 of your collection agencies to resolve. My account should have not been finalized in collection in that I paid my lease off in full, 13 months ahead of the term. This bad collection mark is not a fair representation of my credit worthiness but an error on the part of Toyota. In short, I did not get the final statement until 15 months after the lease was paid off, XX/XX/XXXX. This final statement started the dispute with the demand for the additional months payment plus the disposition charge. Shortly after the final bill, I started to get collection notices from 2 agencies, XXXX XXXX XXXX then XXXX. According to your records, as reported by the collection agencies, I was charged for an additional month indicating I kept the car a month after the lease expired which was clearly not the case. I provided the collection agency the lessee odometer disclosure statement that verified when the car was dropped off, which was XX/XX/XXXX ( 13 months early ), along with the final payoff check for {$6300.00} ( an amount provided by Toyota to finalize the lease ). It was finally determined, I only owed {$350.00} for the disposition charge, which I kept telling the collection agencies I was willing to pay. All of the back and forth took more than a year, which was clearly a waste of time and effort for only {$350.00} and a bad record on my credit history. I could have easily paid {$350.00}, at the same time I turned the car in, but was aware of it until I receive a statement more than a year later. But their insistence to get more money from me just prolonged the time of the dispute. Therefore, I am asking for your professional attention to review all communication and documentation over the 2 year disputed period to give me some favor to remove this bad mark off my credit report as soon as possible. It is the only blemish on my perfect credit payment history.
Thanks in advance.
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| 10/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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Toyota finances. After I paid three cars never a late payment well that's not true maybe one time. The XXXX before Coronavirus quarantine I had spoken to a lady that said she was going to give me a retroactive I think that's what it's called an application for me to fill up I was behind one month for some reason no money was coming in work-wise obviously there was a pandemic. They send me a letter and I have proof of all this that I did not get approved for a {$900.00} loan {$900.00} loan so I wouldn't lose my car because I decided to pay those {$900.00} in rent it was either rent or my car and I went without eating. Did they exactly the day of the pandemic we all got into quarantine my car was full of so many things clothing massage table but yeah I heard of repossessions I didn't think I was going to get repossessed because I was trying to work the problem. But no that same day my car gets repossessed and then what there's no work there's nobody in the offices there's no communication with Toyota finances forever they get back to me in XXXX telling me my car and everything and it was sold and that I owe {$10000.00} ruining my credit even more because now I have XXXX points in my credit and I could not get a loan and I could not do my XXXX And I can't rent a house and I can't get any credit cards and all I owe in credit was like {$1500.00} all right so I had a credit card that I didn't pay because my boyfriend ran it off. Not enough to go bankrupt not enough to ruin me for life I'm XXXX now I go days without eating and I have no door opening because everything is at XXXX XXXX so yes tell me Toyota didn't know there was a pandemic coming and they wanted to have make sure that their cars were in their bills were paid off and make sure that nobody XXXX them over. I love that car I love the car before that and I love the car that I had before that and guess what now I can't even own a car because they should actually give me a free car for what they did to me they I never been so poor and so hungry that car was my job
|
| 09/16/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem extending the lease
|
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Web |
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I originally called Toyota Financial Services on XX/XX/XXXX to discuss lease end options since I was not comfortable test driving new cars or visiting showrooms in the prime of the pandemic. I decided on that same phone call to extend my lease for six ( 6 ) months, through XX/XX/XXXX. During the phone call, I asked what actions I would need to take to renew the lease and after telling the representative that all previous payments were made through auto-pay ( I have always had my XXXX accounts on auto-pay ) the representative said there was nothing for me to do other than renew my vehicle tabs.
Fast forward to XX/XX/XXXX, I received a voicemail from Toyota Financial Services with a request to call them back. Up to this point, I had not received any communication ( email, XXXX customer portal, etc. ) about any concerns with my account. Nor did I ever receive notice that my auto-pay was being or had been removed from my account. The delinquency ( which was XXXX error ) was reported to the credit bureaus before I was given a chance to rectify TOYOTAs error. I never received a letter or email stating my account was over due. Once I was made aware of the issue, I immediately paid the amount in full. The delinquency was reported to the credit bureaus before I was given notice. More concerning is that my auto-pay was cancelled without my knowledge and that the XXXX XXXX Representative advised me that there were no actions to take upon extending my lease by 6 months.
The lack of communication and inability to now get ahold of the Toyota Financial XXXX XXXX team is unacceptable. Toyota Financial only allows you to speak to a frontline representative about your concerns, they do not allow you to speak directly to someone who can resolve credit reporting issues/discrepancies. You have to mail a letter or send a fax, and then wait for a mailed response. When dealing with an issue as sensitive and critical as your personal credit, this is inexcusable. Toyota Financial Services has taken no accountability for multiple missteps.
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| 03/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
Servicemember |
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When I originally financed a XXXX Mazda CX-5 my interest rate was lower because of XXXX XXXX XXXX XXXX. I traded in the XXXX Mazda CX-5 for a XXXX Mazda CX-5 in XX/XX/XXXX. Mazda Financial stated because I was currently on XXXX XXXX XXXX XXXX, at the time of my trade I didn't qualify for a lower interest rate under SCRA and had to come off my current orders and be place back on XXXX XXXX XXXX before they could lower my interest rate. My XXXX XXXX XXXX XXXX, at the time of financing the XXXX Mazda CX-5 was for six months, starting XX/XX/XXXX, and ending XX/XX/XXXX. Once those orders ended, I received new orders for a year that started on XX/XX/XXXX, and currently serving on XXXX XXXX XXXX until XX/XX/XXXX. I reached out to Mazda financial on several occasions and sent my current orders but was told I still didn't qualify to have my interest rate lowered. All my payments were current, but I was denied the lower interest rate under SCRA. This caused a financial hardship, and I filed XXXX XXXX XXXX in XX/XX/XXXX. I reached out to keep my payment with Mazda financial current but due to the XXXX they refused to accept any payment until my XXXX was XXXX on XX/XX/XXXX. I spoke with Mazda Financial, on XX/XX/XXXX, and they stated that because of my XXXX I do not qualify for a lower interest rate under SCRA. I asked why I didn't qualify for SCRA when I received new XXXX XXXX XXXX before filing XXXX but was told I was on XXXX XXXX prior to financing the XXXX Mazda CX-5 even though the orders ended, and I was placed on new XXXX XXXX XXXX. Mazda Finacial couldn't tell me why I didn't qualify for a lower interest rate back in XX/XX/XXXX even though I sent my XXXX XXXX XXXX in several times. Mazda Finacial has stated I could make one payment and have the two lates payment put on the back of my loan to make me current but now stating I do not qualify for that and need to make all payments immediately. I would like Mazda Financial to lower my interest rate and apply to my loan dating back to went I originally was place on XXXX XXXX.
|
| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
I have disputed this TOYOTA MOTOR CREDIT and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for XXXX as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account status is wrong and should be correct. Now, I want you to remove this misinformation on my file TOYOTA MTR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/25/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Hello My Name is XXXX XXXX, I bought a used car XXXX XXXX on XX/XX/XXXX from a XXXX dealer called XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, IL XXXX.
I checked the car ( XXXX XXXX ) outside the dealer and it had lot of issues and tried to return it by the first month but the dealer convinced me that they will do a huge discount on it, thats why my loan started after 6 months since I bought it as compliment from the dealer to me, but later on I was behind for one time and the car was broken, I fixed it and paid more money so I was late gain in my payment one more time but not consecutive, I went back to their web site as I used to pay the payment that I missed I could n't find the car account on the website, I called them they said they want to take the car because they are doubting my ability to pay and they will put it into auction. I called them again and again to take the money for it and every time they say ok we will tell you how much exactly since we don ; t have the full payment on it because other dep. involved in it since I 'm paying for another one from the same dealer and have no issues with it.
later on I was out using it and I could n't find it, they towed it without my notice at a private area XXXX in XXXX XXXX, and moved it to the auction without my consent and sold it for pennies, I was owing XXXX on it since the dealer scammed me and did n't lower the price a penny, now I do n't know how after they sold it without even calling me or send me any mail or email I still owe them $ XXXX.
I found them made a charges on my credit file while they did n't contact me by any mean, I have been trying to call the creditor that on my credit report file but they have a wrong phone number for a summer camping resort! I called the dealer that this is wrong and I 'm welling to delete it and pay installments but unfortunately every time I call the dealer they transfer me and they hang up on me.
creditor data as on my credit file from credit wise ( screen shot ) to prove is attached by wrong number
|
| 05/18/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
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I traded in my XXXX XXXX XXXX to XXXX XXXX last XX/XX/2018 at XXXX XXXX dealer It will take 3months left only for maturity of lease of old car and We had an agreement that i will only trade in if i wont pay the balance of that car or i will wait til it matures So the dealer promised me that they will take care of everything including return of old car and balance payment to get sale. They even called financial to know how much is the balance .I believed them because its not the first time i did trade in and never had problem in the other car company. But after few months, I received a call from toyota financial that they sold car to auction and they want me to pay the balance. I tried to contact them many times to find out what happen but everytime i try to know whats going on they immediately transfer me to collection agency. I asked personally the dealer if they pay the balance They said yes and they cant help me too to solve my problem. Its too depressing for me because i felt that after the sale they neglected me as a customer. And this financial already reported to credit which affected my chance of loan for my kids in college They have no conscience While checking mails i found a bill from toyota that dealer paid the balance and i only have to pay 1month of balance Please try to analyze what this financial did to me They sold the car without letting me know whats going on Want me to pay balance of auction and they send me one last month bills of balance on XX/XX/XXXX after they sold the car They are too unfair for an honest innocent customer like me They are too quick to report to credit which really affected my credit report If you will check all my debt I never pay late for my bills but they still report late and report as bad debt collection I tried to contact financial that im willing to pay the last month bill but they never listen to me that i was not aware what happened They still want me to pay the auction balance Its a nightmare for me and my family and my friend to get car from toyota again
|
| 09/27/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
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I leased a XXXX XXXX XXXX. My lease matured in XXXX XXXX, so before the maturity date I contacted Lexus Financial Services and asked for 6 months extension. The rep took down my request and told me I should be notified shortly weather my extension was granted. I called a few days later and the customer service told that he could not see it but if I saw that a payment for the next month was available that meant that the extension was granted. I logged in into my LFS account and a payment for the month of XXXX was due. I made the payment and was under the impression that the lease extension was granted. The next payment notification came in XXXX so I paid it as well. A few days after the XXXX payment at XXXX XXXX in the morning a tow truck with two beasts gets inside my property and tows away my car. I get confused thinking it is a theft. I tried to get my stuff from the car to make sure it was not a theft, one of the beasts blocked me and they took off. I called the police department and was advised that it could be the financial services. I got doubtful because I knew I had made the payments. I called LFS they apologized and told me that the extension was never granted. I called another time just to pose a question weather they made a mistake or they really acted in compliance with the California laws. I asked them if the lease is past the maturity date and the extension is not granted are they supposed to accept further payments, and their answer was NO. A month after the incident they sent me a a letter thanking me that I returned the vehicle to XXXXXXXX XXXX which I did not and that the vehicle had excess mileage/and wear as defined by my lease agreement or I had some unpaid charges, or both. The the statement reads I owe them {$2400.00}. I called them again and told them that my vehicle had excess mileage but not in excess of XXXX miles which I paid in the two extra payments that I made after the maturity date. They had no answer but to insist that the amount was due and that it need to be paid off.
|
| 04/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
XX/XX/XXXX, I attempted to make additional payments of {$190.00} and {$64.00}. The XXXX system was unable to supposedly unable to process because of software problems. I assumed the payments had been canceled. Low and behold, the payments were processed and deducted from my bank accounts. I called a XXXX and explained the situation. She advised that payments would be credited to my account via ACH just as they were originally charged. Well, this was a lie. I called an spoke to another agent who advised that this was not their procedure and that a check was mailed on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received said check. I called again and spoke to a 3rd agent. Her response was that it would take 10-15 day to receive via USPS. Seriously? I recently mailed a letter to XXXX that was received within ( 3 ) days.
Is the XXXX check going around the world or being delivered via XXXX XXXX? After receiving the message that the payments weren't going to be processed, I applied this money toward other bills. I am now having to used credit cards to pay for groceries and other personal items. I explained this to Agent # 3. Her response was they could cancel the check and apply the funds back toward the account. She said they couldn't cancel the check and process another because it was not withing their time parameters.
I told her they should cancel and either XXXX or XXXX me a replacement. This was not an option and if so, I would have to supply them with account numbers and billing information. Really? They inconvenience me and expect me to make payment? As a goodwill gesture, they should bear the cost of expediting a replacement check. So now I am supposed to wait for the original check to be delivered ( whenever that might be ).
This is not the first time I have problems with XXXX FS. But, it will be the last as I am going to trade the XXXX for another brand vehicle. 3 purchases from XXXX and this is the treatment I receive. Unacceptable, but I am at their mercy, even if they are incompetent.
|
| 05/16/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
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In XX/XX/XXXX I signed a new auto lease with XXXX XXXX/Toyota Financial, I had a bank checking account with XXXX used to make payments. In XX/XX/XXXX I had identity theft with XXXX XXXX, XXXX XXXX XXXX and USPS Mail system whereas my accounts were hacked, my mail were stolen and used to steal the credit cards. All accounts used to make online payments were decline and unable to be used after the identity theft.
I have mailed the credit bureaus and banks with a copy of 2 identity theft police report : XX/XX/XXXX ; Second police report XX/XX/XXXX ; A stalking police report, XX/XX/XXXX ; As per part of the Victim Compensation Program of the State of Illinois I received a letter that states the prohibitions of any late payments not to be listed on the credit report as part of the Victim Compensation Act Program, any theft account open as a result of the identity theft/mail theft to be removed from the credit report ; In ordinance to avoid additional damages to the victims of crime in the State of Illinois, Federal laws enforce the forgiveness of late payment as per part of the crime that has occur and therefore no late penalties, late fees should be listed or reported to the credit bureau for the entire year of such. The consumer was also a victim of identity theft and robbery at the place of work at XXXX XXXX XXXX ( State of Maryland ) in XX/XX/XXXX, a purse was stolen from the consumer 's work office station containing a wallet, cash, XXXX XXXX XXXX Credit Card ( account closed and removed from the credit report ) social security card, driver 's License ; I had to close all account and depend on mail in money order to make payments to this account in order to keep up-to-date. I am a paid subscriber of the credit bureaus XXXX, XXXX, and XXXX whereas my credit it is currently locked and monitored ; A FTC Identity Theft was also provided to the credit reporting agencies, USPS Mail Inspector , drive 's license and utility bill along with all police reports were mailed to all credit bureaus agencies.
|
| 10/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I purchased a vehicle 3 years ago. As of recently I've made every payment on time. About a year ago I went through a separation from my children 's mother. For custody reasons she has gone out of her way to destroy my credit and career, in order to win custody of our children. She has cost me 2 jobs, by showing up and harassing me. I have evidence of this. She has opened 3 accounts in my name. If have no problem paying these if I could maintain a job. My vehicle was intentionally damaged. Sugar was poured into the gas tank. It caused over {$2000.00} in damage. She disputed 3 payments made through an account that she had used to pay with. She was listed as on the vehicle account as a driver, and on the auto insurance, which she also disputed 2 payments. After which she reported to the auto finance company the location of my vehicle and said to repo it. Then bragged about lying and what she had done one social media. I've since made the repairs using what saved money I have. I'm having troubles catching the vehicle up in order to use it as transportation to an from work. I'm a XXXX XXXX, and can make money with or with out a job. It's just she to the personal attacks from this individual I'm currently in a circle of dept that has locked my ability to grasp how and what to do to overcome it. I need advise or help. Recently I made {$800.00} in payments to get the vehicle under 90 days past due. Toyota told me they would give me options after I did that, and vehicle would be taken out of repo status. They denyed my request to move the past due amount to the back of the dept like they agreed. Then sent a repo agent to claim the vehicle. I denyed then the vehicle. And will continue to do so. I've worked hard to buy, keep, maintain, and repair my vehicle. I'm still behind exactly what was disputed. I'm only weeks from fully financially collapsing and losing my home and everything. I've exhausted all my resources to stay afloat. This is my first attempt to ask for help. I need options. Please help.
|
| 03/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American |
|
Re : Toyota Corolla - XXXX -VIN : XXXX. I sincerely believe that Im a victim of a yo-yo and/or spot delivery scam perpetrated by Toyota Financial Services ( TFS ) and XXXX XXXX Toyota, XXXX, TX on or about XX/XX/2015. Additionally, TFS, in collusion with XXXX XXXX sales personnel and finance department, misrepresented the facts during the car-buying and loan-signing process. I was told that TFS was requiring that I purchase an extended warranty, disability, and gap insurance. Although I indicated that I did not want the extended warranty or the disability or gap insurance, the finance officer stated that Toyota Financial Services would not finance the loan without these add-ons. During the loan-signing process, I stated that the monthly auto payment of {$650.00} would be a major financial challenge for me. Because my trade-in had been sold and of my fear of being without transportation and having little-to-no knowledge of contract law, I reluctantly and under great duress signed the deal to purchase the XXXX Corolla. I'm presently under the care of a XXXX ( XXXX XXXX XXXX, MD of XXXX Hospital ) because this matter has caused me great XXXX and thoughts of XXXX. Additionally, I've received no support, financial or contractual solution from TFS despite several phone calls, emails and faxes complaining about this matter.
I would like for TFS to immediately cease any planned repossession of my auto until this matter can be resolved. And I would like for TFS to do a very thorough and complete audit of my loan documents that are currently in the hands of XXXX XXXX Toyota of XXXX.
I am seeking immediate relief and would like all parties involved ( myself, Toyota Financial Services, Toyota Motor Corporation and XXXX XXXX Toyota ), and all those who have a fiduciary interest in this matter, to provide such relief that will be beneficial to all. It is my desire to resolve this matter without the need to involve the courts, Texas Department of Motor Vehicles, the FTC, the press, social media, etc
|
| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I want to provide proof to Toyota Financial Services that there was no late payment made on my XXXX XXXX XXXX account # XXXX. I have already opened a case for which I received a response but, unfortunately, whomever reviewed the case missed the mistake made when XXXX posted my payment in XXXX of XXXX. XXXX sent an itemized list of my payments and when I reviewed this list, it became clear to me where the mistake was made and how it threw off the proper recording of payments between XX/XX/XXXX and XX/XX/XXXX. I have included a copy of my payment report, here. If you go through this report from the beginning, XXXX payment at a time, you will see that the XX/XX/XXXX payment ( the payment that is reported as being late ) was, in fact, paid and posted to the account XXXX days before the due date of XX/XX/XXXX. The mistake that throws everything off is in XX/XX/XXXX when the XX/XX/XXXX payment was assessed but WAS NOT MARKED FOR XX/XX/XXXX. Instead, the XX/XX/XXXX payment, once posted, was marked as the XX/XX/XXXX payment. As a result, all the ensuing payments were marked XXXX month off. When I traded my car in for a new model in XX/XX/XXXX, I was told not to make my XX/XX/XXXX payment, however, XXXX was calling me that they hadnt received the XX/XX/XXXX payment so I made the XX/XX/XXXX payment anyway on XX/XX/XXXX ( well within the 30 day grace period ). Unfortunately, because of the mistake a year earlier, XXXX thought that the XX/XX/XXXX payment was for XX/XX/XXXX ( because all the payments from XX/XX/XXXX were mismarked XXXX month behind ) when that XX/XX/XXXX payment was actually for XX/XX/XXXX. That last payment on XX/XX/XXXX was even refunded by XXXX because it was considered an extra payment after my new lease. NOTE XXXX : I need this corrected on my XXXX XXXX as soon as possible as I am trying to buy a home right now and this has damaged my ability to do so by unjustly lowering my XXXX XXXX. NOTE XXXX : I don't authorize Toyota Financial Services to run a XXXX XXXX on my XXXX XXXX again
|
| 06/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
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XX/XX/XXXX, purchased a lease from Toyota Motor credit. XX/XX/XXXX My final lease payment was pulled from checking account and posted to my Toyota acct. i notified Toyota Motor credit that I was currently waiting on a new vehicle from Toyota, to return my lease. My new vehicle arrived XX/XX/XXXX. XXXX XXXX XXXX, in XXXX XXXX purchased the lease from me, paying off Toyota motor credit the remaining owed ( {$31000.00} ) from the payoff received from Toyota Motor credit, that day. Sometime in between those dates- Toyota credit, somehow reversed my XX/XX/XXXX payment from my account and applied it somewhere else, that I dont know if. I received a called from Toyota credit, XX/XX/XXXX telling me my account is XXXX days past due and I now owe XXXX and XX/XX/XXXX payments. The XX/XX/XXXX payment, was not returned to me nor applied to my account. I made numerous calls ti TFS to get this corrects and was told, the accounting department was working on it. They could see the payment was reversed sometime at the end of XXXX but not applied back to my account. In the meantime, While TFS is telling me Im XXXX days past due, the representative told me they did receive the entire payoff amount of {$31000.00} from XXXX XXXX on XX/XX/XXXX. Fast forward to today, XX/XX/XXXX, XXXX I get a notification from XXXX ( I monitor my credit ) that as of today, Toyota Motor credit reported my account 30 days past due. This false report, hit my credit and my husbands credit hard, knocking out score down XXXX points. I called TFS the customer service rep and supervisor told me they cant see that my account was reported past due. They can see my account was corrected on XX/XX/XXXX where they reversed my My XXXX pymt and now reapplied it and they could see the loan was paid in full, on XX/XX/XXXX. Ive disputed this false credit reporting with Toyota Motor Credit, XXXX and filed complaints. My credit and my husband credit, has been greatly impacted, negatively due to Toyota Motor Credit, reporting incorrect information.
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| 06/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I purchased a XXXX from a XXXX of XXXX, CA on sunday, XX/XX/XXXX It was late at night and my bank was already closed so I was unable to get a check to write to them. I was told that I would be getting a XXXX XXXX XXXXXXXX Loan and shown XXXX XXXX XXXXXXXX paperwork and told that if I paid it off within the first 30 days I would not be charged interest.
I attempted to go to XXXX XXXXXXXX XXXX on XX/XX/XXXX to pay off in full and the when the bank was unable to find the loan I called XXXX of XXXX to ask who held the loan. I was informed that XXXX XXXX XXXX ( a division of Toyota Motor Credit Corporation TMCC is the authorized attorney-in-fact and servicer for XXXX XXXX XXXX. ) held the loan when I asked for the loan number I was told that XXXX of XXXX had just mailed in the paperwork that day and there was no loan number associated with my account since XXXX XXXX had not had time to receive and process the paperwork. It was suggested that I contact them next week to get a loan number. When I contacted XXXX XXXX XX/XX/XXXX to pay the payoff amount has already increased by {$78.00}.
I do not understand why I am being charged interest when I was told it was literally not possible to pay off my loan on XX/XX/XXXX when I called XXXX of XXXX.
How is it legal for a company to accrue interest when they do not give the consumer a way to pay off the loan?
I made a full payment to the loan on XX/XX/XXXX and received an email from XXXX XXXX stating that the payment was received. Then on XX/XX/XXXXXXXX XXXX emailed me at XXXX saying that the payment was rejected despite the fact that I had the funds in my bank account. I called in on XX/XX/XXXX to reattempt payment and was told the account was closed and that I would have to wait for them to reopen it before I could pay it. Again they are accruing interest while not providing me a way to pay. I have called their customer service multiple times today but they are not able to immediately reopen my account and I have to wait to next week to pay.
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| 09/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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On XX/XX/XXXX I purchased a new XXXX XXXX XXXX. The financing was done through Toyota Motor Credit Corporation. The original balance was {$28000.00}. ( 1 ) As an XXXX XXXX service member with the XXXX XXXX from XXXX to present, I have had two PCS moves since purchasing this vehicle. This includes an assignment in XXXX from XXXX to XXXX. ( 2 ) As a result of my XXXX beautiful children being born and PCS moves, my expenses were much higher than anticipated and I had trouble paying the car loan. We still have the vehicle in our possession. ( 3 ) Several months ago, my wife called Toyota and tried to re-establish a payment plan on this vehicle. The representative at Toyota said we could send a payment ( s ) but there is no guarantee that Toyota would accept the payment ( s ). ( 4 ) A few weeks ago, I met with military financial counselors who made me aware of a {$21.00} XXXX settlement on overcharges to certain minority buyers from XXXX to XXXX. I am a minority buyer and was never notified of this matter, although I was also stationed in XXXX during the deadline. I question whether I qualify for benefits from this settlement since I am a minority. ( 5 ) As of today, XXXX XXXX, XXXX, there is a {$9100.00} " charge-off '' reported with the credit reporting bureaus. ( 6 ) Today, our military financial counselor, and I called Toyota Motor Credit at XXXX and spoke with representative XXXX around XXXX XXXX Central time. We asked about establishing a payment plan and she told us that she is not able to establish a payment plan as Toyota will be placing this account with a business partner. When I asked " who '' the business partner will be, she said it could be one of several. She said that " business partner '' will contact me for payment options and that it could take up to 30 days. ( 7 ) This is now the second time we have not been able to establish a payment plan. I'm concerned about my credit and reputation as I have not been able to establish a payment plan or reduced lump sum settlement.
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| 08/07/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I forgot to make a payment on my XXXX XXXX XXXX for {$330.00} in the month of XX/XX/XXXX. A Toyota agent called me on XX/XX/XXXX and informed me of this and on the phone I scheduled a payment with the representative, the agent waived the late fee as well. The following days I checked my bank account, the payment pulled successfully on XX/XX/XXXX and I received an email from Toyota saying that the payment was posted to my account, I was now all caught up on payments. I then made another payment on XX/XX/XXXX for the amount of {$330.00}, this was to pay for the month of XXXX. XXXX I receive a statement in the mail saying that I owe two payments, one for the month of XXXX and XXXX for the month of XXXX. When I called Toyota they claim they never got my payment on XX/XX/XXXX for my XXXX XXXX.
I reached out to them multiple times, I followed their protocol of faxing over my bank statement showing that the payment was pulled and never returned to me and I even had them notate in my account that the I did indeed fax over the bank statements to both numbers given to me. I had let the representative know that the fax was showing up on my end as no answer and requested some form of receipt for the fax to ensure it was sent but they told me there was no way to issue me a receipt but its rare that they dont get faxes. I paid my XXXX payment and then I called Toyota again on Monday XX/XX/XXXX to see if they updated my account as I sent the faxes on XX/XX/XXXX around XXXX. The representative let me know that the finance department was waiting to receive all faxes ( from XX/XX/XXXX ) and this agent said he would call me back the next day with an update, nobody ever called me back. They have never updated my account to reflect the payment or refund me and nobody seems to have an answer for me but I just got my XXXX statement and it shows that I still owe my XXXX payment and there is now a late fee. I have reached out and nobody seems to be able to mark my account as paid or re issue me a refund.
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| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX Charge account with account XXXX XXXX opened on XX/XX/2017 and a balance of {$0.00}.
I previously disputed this account, stating : ''I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I'm afraid I have to disagree with the results of your investigation.
Please mail me proof of your investigation and the negative payment status for this account, or delete the negative information in this account. Your company is in clear violation of the law.
Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term ''consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) the report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUDED in my Consumer report!
Late payment is a transactional history. My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report not included in the consumer reports!
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
You have ten calendar days to update my Payment history and delete all late payments. Failure to respond satisfactorily with the deletion of the above Late Payments will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Noncompliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n
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| 12/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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This is a notice of direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file - Acct # XXXX.
The date of last activity, payment history, and status* do not align across all bureaus. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this notice includes identification of the specific information being disputed : XXXX, XXXX, and XXXX reporting for Acct # XXXX Date opened : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Amount past due : XXXX : {$1800.00} XXXX : {$10000.00} XXXX : {$10000.00} Date of 1st delinquency : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Last Payment made : XXXX not reported XXXX XX/XX/XXXX XXXX XX/XX/XXXX Reposession : XXXX Not reported XXXX XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX *****PLEASE SEE ATTACHMENT WITH FULL LIST OF LATE PAYMENT DISCREPANCIES FROM XX/XX/XXXX THRU XX/XX/XXXX********* also attached are the credit reports pulled from XXXX, XXXX and XXXX that show the discrepancies that i'm referring to as proof Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.
Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.
XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
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| 01/07/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I would like to file a formal complaint against Toyota Financials for mishandling consumer information and also for illegal business practices.
On XXXX/XXXX/XXXX, I applied to lease a XXXX Toyota XXXX XXXX at priority toyota of springfield. On XXXX/XXXX/XXXX, the application was denied by toyota financial services ( Please see attached ). When I received the denial letter, I went to the dealership to return the vehicle. This happened the day after I received the letter. Dealership refused to accept the vehicle and threatened to tow the car at my expense. Dealer printed new temporary vehicle tags that was set to expire a month from XXXX/XXXX/XXXX.
On XXXX/XXXX/XXXX, I called the bank to see if I could make a payment on the vehicle since the next payment was due on XXXX/XXXX/XXXX. Toyota financials told me that they did not have account number so I could not make a payment on the car. They told me talk to the dealership. I went to dealership to return the car since there was no financing for the car. Dealership again refused to take the car back. This time the Manager XXXX XXXX told me that he will call the towing company himself to tow the vehicle at my expense.
During this time from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, both priority toyota and toyota financials kept checking my credit reports. They checked the credit report at least XXXX times on different dates for the same application.
On XXXX/XXXX/XXXX, I received a call from toyota financials telling me that my account is past due and that I should pay {$610.00} by XXXX/XXXX/XXXX or they will take legal action. I paid the {$610.00} to toyota financials on XXXX/XXXX/XXXX to avoid my credit being ruined.
On XXXX/XXXX/XXXX, toyota financials reported my account as 30 days past due to the credit bureaus which resulted in a XXXX point drop to my credit scores. Please see attached files.
I am appealing to the XXXX XXXX XXXX to look into this matter to see if anything can be done to help resolve this issue.
Thank you.
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| 06/16/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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Funding at Toyota Financial Services in XXXX, XXXX. We are in charge of reviewing the lease agreements and contracts that come in from XXXX customers who buy or lease a vehicle. Within the State of XXXX, consumers are given a trade in sales tax credit for their prior owned or leased trades. XX/XX/2015 Toyota got word that the WI tax rules had changed but did not update their systems. When calculating the taxes, myself and a few others noticed that XXXX dealerships, XXXX XXXX XXXX, XXXX of XXXX and XXXX of XXXX had their customer 's taxes coming in at lower amounts. Upon further review, we discovered that it was because those dealers had updated their systems to reflect the new tax laws.
This means that a new tax calculation worksheet needs to be created.
It was, however was only used for those XXXX dealers. The rest of the dealers use the old one.
This did not sit well with me and I provided examples to management who admitted that there was disparate treatment due to the fact that if you purchase or lease from any other dealer, you would be paying more per month in monthly sales taxes than if you were to pay at XXXX of these XXXX dealers. It is now a year and a half later and the dealers have not been instructed to update their systems and I have constantly been told that more information is coming. I am told we will be discussing this soon.
In the meantime deals are being booked everyday under management 's eye knowing that there is disparate treatment being done in the State of XXXX. You have tax XXXX worksheets being done and if you are unlucky enough to buy from another dealer, you may be paying more per month in sales taxes.
I am no longer employed by the company however, just as I did when I was employed, I knew this was wrong and I brought it to their attention.
Now that I am free from speaking out against them per policy, this is to help all the people in WI know that us other small people are on their side and we do try. Corporate America just does not care.
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| 06/02/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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OnXX/XX/XXXX, our XXXX XXXX XXXX was in an accident and later deemed to be a total loss. At the time of the accident, we had completed all required lease payments, on time, and were intending to buy out our lease. After the vehicle was deemed a total loss, our insurance company took over resolving the pay off for the value of the vehicle.
On XX/XX/XXXXToyota Financial Services issued us the attached letter, indicating in the second to last bullet that should anything additional be owed, beyond the insurance settlement, we would be sent a bill and given 30 days to pay. This was the last communication we received from XXXX and according to verification by two phone representatives at Toyota Financial Services on XX/XX/XXXX, nothing further was mailed to us.
At no time were we provided the statement of balance, nor given 30 days to make payment, should there have been a balance. On XX/XX/XXXX, I received notice from a credit monitoring company that the account was marked as closed, charged off, bad debt, and transferred to a collection agency. Upon contacting TFS, I was informed this was true, that the debt was transferred to a collection agency.
We subsequently received information from now three different collection agencies and have provided the notification and our responses below. None of the first two collection agencies ever responded to our notification we provided back in writing.
In XX/XX/XXXX, my husband contacted the XXXX XXXX XXXX and filed a complaint. In speaking with a representative from Toyota, he was told that there was nothing that could be done and that a letter had been sent back on XX/XX/XXXX. We received a copy of that letter in the mail recently. At no time during any of the communication with Toyota or any of the creditors, prior to XX/XX/XXXX, had we received this letter. It was not published to our account nor had we received it in the mail in XX/XX/XXXX.
From the start of our lease on XX/XX/XXXX, we never missed a payment or paid late.
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| 01/15/2019 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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To Whom It May Concern, On XX/XX/19 I received a letter from XXXX XXXX XXXX, a collection agency in XXXX, FL, on behalf of Toytoa Motor Credit. The notice was for a balance for {$980.00} for an unknown to me at the time services/fee/charge. I reached out to XXXX on XX/XX/19 to validate the debt and make the necessary arrangements to have this taken care of. I found out that this was the deductible balance owed on a leased vehicle through Toyota to which I was a co-signer for a XXXX XXXX as the primary account holder. XXXX and I do not live together, nor communicate so at the time I had no idea this balance was even owed. I never once received a call or letter from Toyota stating that the balance was due and if not paid the account would be forwarded to collections and listed as a charge-off on my credit report. Had it been made aware of the debt I would have seen to it that it was taken care of by XXXX and/or paid the balance off myself to protect my credit.
On Saturday XX/XX/19 late evening I received a notification that Toyota had listed the account to the credit bureau as a charge off / collections account negatively impacting my credit score. I called XXXX on XX/XX/19 to find out what as going on and they indicated that this was coming directly from Toyota. After calling Toyota to dispute this listing the CSR was not helpful, quite rude, and I got nowhere. The line I was told over and over again was " we are contractually obligated not to speak to you about this account ''. Even though they are the ones who are reporting this to the credit bureau. I'm writing to you today in hopes that this will create some buzz and ultimately get Toyota to remove this from my credit report as the debt was never validated and now they are screwing up my score.
I would like to make it very clear that XXXX XXXX has been great to work with. My issue is only with Toyota Motor Credit Corp!
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX
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| 08/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I recently received a XXXX from Toyota. I am trying to figure out what this is in regards to. I spoke with my tax advisor and he said to call the number on the XXXX. I did this but the woman on the phone was not able to provide me too much information. She said this was for money I owed for a car I had owned. I was a little confused. I do not believe I had owed Toyota any money. I have had Toyotas in the past but i have had loans and paid them as agreed and paid them off. When I asked my tax advisor he said there would have to be some identifiable event that would have caused this XXXX to be issued. On the phone there is no explanation of the event but i was to the account was charged off XX/XX/XXXX But I havent dealt with Toyota in a few years since I paid off my XXXX. Could you please provide me with some additional information as I really dont understand this and it is causing me issues in filing my taxes with the IRS? I guess I need to understand what this is for, how much it is, ( the woman on the phone at Toyota had a different amount than what was on my XXXX ). Why am I receiving this now in XXXX? ( my tax advisor said there would be some required identifiable event, what event occurred? ) How have you come up with this balance? ( again the woman on the phone said I owed over {$7000.00} ). I have not received any notices about owing Toyota money. My credit report does not show me owing Toyota any money. This is quite confusing. The XXXX was mailed to an address I havent lived at in over 15 years. Can you please provide some additional information about this, it is currently causing me to have my tax returns on extension, delaying a large refund that I am entitled to. I am pretty upset to be honest as this does not seem to be a good way to conduct business, it is distressing that even on the XXXX paperwork I was given a phone number and the woman said she didnt have any information. Please respond in a timely manner as I need to file my taxes and figure this out.
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| 01/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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My Name : XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, New York XXXX Phone : ( XXXX ) XXXX Social Security Number : XXXX Toyota Motor Corporation Credit Company Account Number XXXX The late payment reported by Toyota Motor Credit Corporation on my credit reports are from 7 years ago in the year 2009.
According to the Fair Credit Reporting Act ( FCRA ) U.S. Code Title 15 Chapter 41 Subchapter III 1681c ( Requirements relating to information contained in consumer reports ) this item must be removed from my credit report.
XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX U.S. Code XXXX ( c ) RUNNING OF REPORTING PERIOD ( XXXX ) IN GENERAL The 7-year period referred to in paragraphs ( XXXX ) and ( XXXX ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX I am requesting this item be removed to correct the information on my credit report.
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| 03/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I got my Toyota XXXX XXXX last XXXX, maybe around XXXX, at XXXX TOYOTA in XXXX, CA and I have submitted a loan request to Toyota. The manager said I was not approved, so he told me I can apply at XXXX XXXX, so I did. After some time, I got both statements from Toyota and XXXX XXXX. I went back to them to asked which one I should pay because of course, I only got 1 car so why should I pay 2 payments? They told me to keep the XXXX XXXX and that they are going to close it. I don't know why but I was still getting some statements that says I owe them {$110.00} for the interest but of course I am not going to pay that amount because it's not my fault that they made a mistake. Why would I pay that? I ignored it for how many months in XXXX because I trusted that they are going to close it anyways.
Fast forward, I got tired for getting those statements so I told them to close the account but what happened instead, was that my credit report has changed. Suddenly, my {$110.00} balance became more that {$18000.00} and I had delinquent account, and that I owe them {$3000.00} or so. My XXXX credit card was closed due to this fraudulent report that appeared on my credit report. I was angry and so I sent them a letter that if they won't change it, I'm going to sue them in court. They said they were going to change it. I went ahead and also contacted experian to correct this mistake.
Fast forward to today, XXXX XXXX, I found out that the report says that it was ACCURATE, and Toyota confirmed that those were not mistake even though they knew it was fraudulent. So that's why I am reporting them now. I even bought a package for oil change back then which I didn't use in fear that they might sabotage my car and I might get into an accident since I no longer trusted them because of what they did to me. Please help me correct this mistake that they did to my credit report. I hope you investigate this business. THEY ARE FRAUD AND SCAMMER. THAT'S ALL I CAN SAY. THEY DON'T HAVE ANY SHAME.
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| 10/10/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Servicemember |
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On XX/XX/XXXX, an erroneous property tax balance of {$520.00} was applied to my vehicle lease account with Toyota Financial Services. After several calls to have it corrected, it was not corrected ; and was reflected again on the final statement of the account on XX/XX/XXXX. On XX/XX/XXXX, I was advised by a representative to make an over-payment of the erroneous property tax balance of {$520.00}, which was made over the phone ; to avoid an inaccurate 30-day late payment flag on my credit report. Furthermore, I was informed I would receive a refund for the over-payment.
I received a letter, dated XX/XX/XXXX, to remit payment of {$870.00} for property tax accrued based on Connecticuts Tax assessment date of XX/XX/XXXX. However, the balance of {$870.00} is based on the full year of XXXX, and needs to be adjusted to the pro-rated amount based on the plate cancellation date of XX/XX/XXXX ( The vehicle was sold on XX/XX/XXXX ). Connecticut property taxes are pro-rated by day, as confirmed by my local tax assessors office.
In response to the letter, I certified mailed the required property tax adjustment documents to the return address of the " remit payment '' letter ; the vehicle purchase agreement, plate cancellation receipt, and the over-payment confirmation made on XX/XX/XXXX. In addition, I included the pro-rated calculation of the property taxes owed. Because the over-payment was more than the pro-rated amount owed, I am due a refund of {$110.00}.
I recently received two additional letters dated XX/XX/XXXX, disregarding my letter and denying my over-payment stating " our records indicate we have not received payment from you. '' The erroneous property tax balance was never corrected, and I have still not received my refund for the difference between my over-payment and the pro-rated amount owed ; because Toyota Financial Services won't request the property tax adjustment from the local tax assessor, as required by them as the owner of the leased vehicle.
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| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In 2018, after a wrongful termination, I remained in contact with Toyota Credit in an effort to keep my car. As I began to fell behind, it was determined by Toyota reposession was the only option. The representative explained the process and informed me the car woud go to auction and then I would receive a notification letter if there is an outstanding balance. After having the car detailed, I met the reposession gentleman, handed the keys and that would be the last interaction with Toyota.
After 4 years of silence I received notification from XXXX XXXX stating I owed {$9400.00} and how would I like to take care of the balance. That is the amount on my experian credit report. I never received a deficiency balance notification after the auctionn of the vehicle. On my credit report, it states the original balance was {$14000.00} and the lease was for 40 months. I disputed the amount owed through experian. I made 23 months of payments at $ XXXX which equals {$11000.00}. If the original amount was correct, then my outstanding balance should be {$2900.00}. Also I questioned the deficiency balance since a notification of an updated balance after auction was never received.
I reached out to XXXX and informed them of my dispute due to the errors on my credit report. I also requested a verification of debt letter from them which as of yet has not been received.
I received notification from XXXX today regarding the dispute. The information provided was the original amount of the debt is correct. Then the amount owed is incorrect. Also I do not know if the balance was updated post auction. I was paying {$490.00} /mo on a 40 month lease that comes to {$19000.00}. A {$5400.00} difference than what is reported.
Their contact number on my credit report is not provided so I am unable to call them. I need some help getting this matter resolved. After being homeless, I am concentrating on my credit and getting my life restored. I appreciate any and all help. Thank you.
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| 01/15/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Taking out the loan or lease
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Web |
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I got into a collision with my brand new 2 months XXXX XXXX. My XXXX XXXX insurance called the car being totaled so they were getting information with XXXX XXXX for the payoff amount. Since it was only 2 months old, I understood that the car was upside down, so I would need to come up with some money to settle the whole thing, which was also what XXXX XXXX Claim adjuster said to me as well. I thought since I was getting another Toyota, I could negotiate that part when I get the new car. However, a few days later, my Claim adjuster came back and said good new, Toyota accepted their pay off amount and I was actually going to get a little money back even after XXXX XXXX taking my deductible. I was happy, signed the paper work with XXXX XXXX, got the check and I went and leased another Toyota Prius, because I needed a car. Almost 1 month later, I received a letter from Toyota Finance saying that I owe them money because the settlement was not enough to pay off my lease. And they were going to charge off that amount and report to the credit reporting agencies. I talked to XXXX XXXX, and they gave me the letter that Toyota Finance accepting the settlement. XXXX XXXX said that Toyota should not go after me for the difference, since they already settled the account and released the title. I talked to Toyota Finance, but they still demanded the money or they would report me. I knew about the difference, and was going to negotiate it with Toyota when I was going to get the XXXX Prius. But since they told XXXX XXXX that they accepted it, and XXXX XXXX even thought the whole thing was closed, and wrote me a check, I did not negotiate that part of the difference when I leased a new car. What Toyota did, accepting first and went after me later, took away my chance of negotiating, which was really unfair. Now the fact that they are demanding the difference in full with no opportunity for me to ask for a discount or payment plan is really predatory practice. Please help.
|
| 12/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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RE : XXXX XXXX Thank you for your last response and extention of time until XX/XX/XXXX.
One last point of clarification, can you please comment on the legality of transfering negative equity from one party ( single owner ) to an entirely another party ( single owner )?
{$13000.00} which you claim needs to be paid in full by XXXX Car Purchase price {$35000.00} You claim the vehicle was sold for {$30000.00}, how much was the XXXX XXXX sold for that was received for this purchase?
You received {$2000.00} cash for this buy contract for which you breached Difference of $ XXXX {$2000.00} = {$3000.00} Negitive equity recorded was {$12000.00} which should not be reported on my credit report and actually should be recored to the owner of the debt. I can not purchase debt, this would not be a legal purchase contract, and youve now since cancelled the contract.
The XXXX XXXX in a 3rd party name ( other than myself ) was sold for a profit by your company.
Would you now return the original vehicle ( XXXX XXXX ) involved in this purchase to its buyer which was not me? Since the XXXX XXXX was voluntarily surrendered under the understanding the Chapter XXXX agreement would be honored, we would have asked for the vehicle to be returned and hold the position it was sold prematurely and prior to the outcome of the chapter XXXX. There should be consideration of these other factors involved.
We had every intention of using a vehicle as we are a 2 vehicle family and this brought us down to 1 vehicle. We subsequenly purchased another XXXX to replace this vehicle and have even purchased another XXXX since then with both accounts in good standing with one vehicle paid off entirely and another with on-time payments and have records showing this intention.
Please let me know your stance on the final debt you believe should be reported on my credit as I have included the original breached contract and can included additional documentation as necessary.
Thank you.
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| 03/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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From the onset the purchase with Toyota Financial Services, we were given bad service. We were invited to purchase a vehicle through their Bankruptcy Program for people who just filed. We were offered a a few vehicles that were not worth the amount money that they were asking for. We were also told that we were denied credit by all other lenders except for Toyota Financial Services, unfortunately, we received a few weeks later from XXXX XXXX stating that we were approved but we did not respond. So currently, after struggling with payments but attempting to pay them, I was finally able to pay in full an amount tom bring my account current. i made a payment on the TFS website and received the message that the payment was received. My husband called Toyota to confirm a few days later and was told that the we were all set and our next payment is due at the end of the month. On XXXX XXXX, 2016, I called Toyota because I noticed that called and was informed that they did not see the payment and it did not post and is still due. My husband was offered to pay our usual monthly amount ( about {$400.00} XXXX, but my husband insisted that they get to bottom of why the payment was not made. The manager was put on the phone and we were met with aggression and disrespect. She treated us as if we were playing a game and not trying to fix out account issue. So we hung up and called the bank who Toyota insists is the cause of this issue. When we returned the call to Toyota to get more information, we were placed on the repossession list and I was informed that it was effectively immediately. We requested for XXXX to XXXX hours to figure this problem out and fix it, but they refused and we are now losing our car when I clearly tried to make a payment. Their customer service, both at XXXX Toyota in XXXX and on the telephone at Toyota Financial Services, has been by some, aggressive, confrontational, and not a good representative of what a good car service should be.
|
| 09/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XXXX XXXX, XXXX a due date change was conducted with Toyota Financial Services for my monthly car payments for my XXXX XXXX XXXX. It was changed from the XXXX of every month to the XXXX of every month. My monthly payments are {$450.00}. I have never been late on any of these payments and my contract gives me a 15 day grace period where no late fees or interest charges will be held against me. I sometimes pay the full amount on the XXXX or XXXX day, or I 'll split the payment in half and pay half on the XXXX and half on the XXXX or whatever date lands on 15 days. Ever since my due date change I started getting calls from Toyota Financial Services about being late or my payments not being received. Each time I would stay on the phone for an hour ( being bounced around ) explaining what my contract says and how my due date was changed. Each time this information was always confirmed and the call was always ended with an apology. I get these same phone calls at least twice a month. I then checked my credit report and saw that Toyota Financial Services reported a 30 day late marker to my credit report for the month of XXXX and XXXX. This greatly affected my credit score. When I called and asked them about it they admitted that they never updated my due date change in their system, which caused every payment to show up late. They once again apologized and said they would send a letter to all 3 credit bureaus on their behalf. The late marker for XXXX and XXXX was removed, but then I received ANOTHER 30 day late marker on my report for XXXXI called them on XXXX XXXX, XXXX to get this resolved and was once again bounced around on the phone for over a hour, just to hear a manager tell me " I honestly ca n't give you an answer as to why this is happening. '' This whole experience has been dreadful. Credit is everything and a company should n't have the right to keep reporting false negative marks. Especially when they ca n't even give you a reason why.
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| 01/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I purchased a vehicle from a dealership ( XXXX XXXX Auto Mall outside XXXX Ohio ) at the end of XXXX. They sent a payoff check to Toyota financial services in the amount of XXXX. The first check they sent ( XXXX ), XXXX stated they didnt receive and requested the dealership stop payment and send a new one. So they did. The second check ( XXXX ) was cashed on XX/XX/XXXX. I have a photo copy of the cashed check, both front and back to show where it was endorsed, as well as the bank statement from the dealership showing it cleared their account. The dealership stated the check is part of an 8.5x11 piece of paper where the check is perforated and the customers name and account number are in the bottom half of the page. I started receiving late notices in early XXXX and contacted XXXX to tell them the check had been sent. They stated the check they attempted to cash ( XXXX ) had insufficient funds. Which is impossible because as I mentioned, I have proof it was cashed and cleared the bank. For 6 weeks now XXXX has been denying receiving payment. In turn, this has now hit my credit report as a delinquent account as well as my fathers as he was a co-signer. I was told on XX/XX/XXXX day by a customer service rep named XXXX that they had in fact found the check and determined that they cashed it but didnt know whose account to apply it to. So instead of calling the dealership to confirm what account this payment should have been applied to, they cashed it, took the money and went on with her day. I have now been waiting a week and a half for it to be applied to my account and for it to be settled. I will then have to dispute this with creditors and HOPE my credit can recover. XXXX has been incredibly unhelpful during this process and I personally think this is borderline fraud. They are taking money for themselves and not applying it to accounts appropriately. They should have DENIED the check if it didnt have proper touting/account information on it.
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| 05/19/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I returned my XXXX lease in XXXX XXXX and was told by the dealership, XXXX XXXX XXXX of XXXX XXXX , that the disposition fee would be waived because my grand daughter was leasing a car from their dealership in the same transaction. I received a bill two weeks after ( XXXX XXXX ) leasing the car to pay the disposition fee. I called XXXX XXXX as well as XXXX XXXX XXXX to dispute this charge and was told by the customer service rep that the fee would be waived. I did not receive another bill, phone call, or other contact from XXXX again. In XXXX XXXX I received a letter from a collections agency that I owed the disposition fee amount. I promptly contacted XXXX XXXX and explained the situation to them. I specifically told them to review their recorded phone call line to confirm that I was told the fee would be waived. The rep said he would and he would have a supervisor call me back. I was never called back. I have called XXXX XXXX to resolve this account on : XXXX / XXXX / XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX I never received any response back as I was told I would.The collections agency collecting on behalf of XXXX XXXX is unwilling to check with XXXX for the recorded phone call in which I am told the disposition fee would be waived. Based on the fact that I did not receive a bill from XXXX between XXXX XXXX XXXX , and that XXXX XXXX is unwilling to review the recorded line, I strongly believe their billing and collections practices are unethical, illegal, and overall shady. To tell a customer their fee is going to be waived and to never contact them again until sending their account to a collections agency an entire year later points to more concerning issues regarding possible fraud, exploitation, deliberate deceit, and extortion.
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the car accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from Toyota Financial Services, XXXX XXXX, XXXX XXXX, and XXXX.
I am highly disappointed that Toyota Financial Services failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. XXXX XXXX XXXX XXXX XXXXr/Claims Resolution Representative, XXXX XXXX , informed me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress.
Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had 5 missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident.
The back and neck soreness that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for 70 % leaning our way which I believed if I was there it would've been 100 %.
I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution.
Sincerely, XXXX XXXX
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| 10/24/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
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In 2009 I bought a new Scion XD from a Toyota dealership in XXXX, CA. I ended up paying cash for this vehicle, but the dealership never remove the financing options from my contract. Thus, when the title was created it was sent to Toyota Motor Credit Corporation. When Toyota Motor Credit Corp. realized they did not have a lean against my car and received my title by mistake, they mailed it back to the same dealership I purchased the car from without notifying me of the mistake or making any corrections with the DMV. In the seven years I owned the car, I never received any letters in the mail or a phone call or e-mails about needing to make any corrections either. Recently my car was involved in a XXXX. I was XXXX. My vehicle was totaled and while trying to settle with XXXX I was informed that I still had a lean against my car by Toyota Motor Credit Corp. I was then told that I would need to correct this issue first before I could receive any money for my totaled car. I am a struggling XXXX who works almost six days a week with XXXX and correcting this mistake took me over four days of driving to the dealership, a visit to the DMV, waiting for a loan release form to come in the mail, and paying shipping XXXX fees which the dealership did not want to pay ( even though this was totally their mistake. ) The dealership is now saying my original contract has disappeared since it has been so long, providing no real proof that I did or did not pay cash in the first place. Yet the Toyota XXXX dealership did call Toyota Motor Credit Corp and confirmed there was no lean on the car. The Toyota dealer/Toyota Motor Credit Corp. had no remorse of any kind for the inconvenience, hassle, and possible damage to my credit over all these years. In fact, I was told at the Toyota XXXX dealership that this happens all the time! I do n't think this is fair and/or right considering all I did was give them over XXXX and be a loyal customer.
Thank you, XXXX XXXX
|
| 11/24/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I signed a lease contract for $ XXXX on a XXXX XXXX XXXX which matures on XX/XX/XXXX. Midway through the lease contract, my payment suddenly changed. I called Toyota Financial Services on multiple occasions and no one could explain to me the reason for the increase. The monthly bill is not itemized, nor did I receive any written correspondence that there was a change in the contract terms. After multiple phone calls, I stated to TFS that I refused to pay the increase and would continue making payments as originally contracted. Since the lease is about to mature on XX/XX/XXXX I reviewed my account because I decided I would like to extend the lease while I determine the best transportation option for my growing family. I am a working XXXX and a XXXX and I depend on my vehicle. I always pay my bills on time. Upon contacting Toyota Financial Services on XX/XX/XXXX I was told that I was ineligible to extend the lease, and that my account had a past due amount of {$89.00}. I was told this past due amount disqualifies me from extending my lease. I again asked for an explanation for why the payment had changed and this time was told it was due to a change in sales tax. I was not notified of a change in sales tax nor does the monthly statement reflect any changes in tax. Additionally TFS could not explain what tax rate was being used to calculate the payment and when it changed. My understanding is this " past due '' amount has been reported negatively against my credit report. I am outraged that Toyota can not answer my questions or provide documentation to support a change in payment, tarnished my credit, and unfairly restricted my options at lease end. I was old I could contact the credit dispute department at TFS by U.S. mail and my lease would still mature on the planned date. This unfair and deceptive practice by Toyota needs to be investigated and this company needs to be held accountable for violating the terms of my lease contract.
|
| 08/04/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
I got divorced in XXXX, my wife then two months before went to the dealership and sign my name to a lease of a XXXX XXXX XXXX. The payment was XXXX XXXXper month. So after we divorced she dropped the lease in my lap. She said she didnt have the money to pay for it. So I took it back to the dealer, and was told I could return it but the payments and the other fees I still have to pay. Sales and finance said that it was my signature on the lease and it was my responsibility. They then told me that since I had to still pay for lease, they can put me in a lease for with the same as the truck to replace it payment wise. I agreed thinking I was just paying for the new lease in place of the old lease. After about 5months I get two bills from TFS saying I still owe on the truck and the car lease. They added the reminder of lease of the truck to my car lease. I struggled to pay the {$790.00} as I retired from the Military the same month XX/XX/XXXX. I attempted to get payment lowered, TFS told me no because of my now credit score after the divorce. I was always a two payments behind because of due date they wouldnt change. I get threatened with repossession of the car every month. Its about 8months and the day I had to had the last current month payment in, I had to send it by XXXX XXXX. That night they repossessed my car. After the fact that I brought it current. I tried getting my car back, and was denied. Two weeks later they sold it at a auction. The amount that it was sold for wasnt and still hasnt been disclosed to me, and TFS reported to credit unions that I still owe them $ XXXX. I also asked them about the Solider and Sailor Act, and was shut down. Im a retiree on a fix pension after divorce, and on the hook for a payment on a prior lease that was add to a newer lease I didnt sign for. Now my ex-wife credit score is 800+ do to her paid debts off. So if thats the case her credit was attached to mine, but my credit file never changed
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The XXXX and XXXX credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected.
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
|
| 04/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XX/XX/XXXX I financed my used car through Lexus Financial Services. As you can see in the letter attached, dated XX/XX/XXXX, Lexus Financial Services confirmed payoff of loan and stated the following in regards to my title, " At this time, we have not yet received the Certificate of Title or lien from the vehicle titling agency where the application was filed. Once we receive the document ( s ), we will forward it to you ''. Of note, I also paid Lexus of XXXX, where I purchased my car, to coordinate the registration and transfer of my title, registration and license fees have not been provided.
Now, 8 weeks later, I have not received the promised documentation from Lexus Financial Services and they are unable or unwilling to tell me the location and status of my title.
Lexus of XXXX 's staff informed me on XX/XX/XXXX that they paid Maryland 's DMV for my vehicle 's registration., I followed up, in person, with the State of Maryland DMV on XX/XX/XXXX to confirm this, and was told that the Department had not received payment nor other documentation for the registration from Lexus.
On XX/XX/XXXX, I received a second notice ( see attachment ) from my current lien holder, the XXXX XXXX XXXX XXXX, notifying me that they have not received the Certificate of Title. Furthermore, the XXXX XXXX XXXX XXXX staff notified me via telephone that I am at " risk of defaulting '' on the loan, because they have not received the title certificate.
I also called Lexus Financial Services, most recently on XX/XX/XXXX and they confirmed that this title was sent to me, but as of XX/XX/XXXX I have not received it.
So, neither my current lien holder, the XXXX XXXX XXXX XXXX, nor the State of Maryland, where my vehicle is currently registered have received the vehicle title from Lexus of XXXX or from Lexus Financial Sevices ( this after waiting two months and making multiple requests ).
Please help me secure my Title information.
Thank you.
|
| 03/01/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
My lease on my XXXX XXXX XXXX expired on XX/XX/XXXX. A week before this, I was talking with a representative of Prime XXXX XXXX that was sending me car options to buy since I would be trading in my vehicle. I informed the representative that I didnt see any cars on their lot I was interested in and would be continuing my search at another dealership. During the conversation, we talked about my car mileage and how it was over XXXX below my lease agreement. The representative then informed I could use the equity my leased vehicle had accumulated and I would be able to put towards a new car for me. We scheduled an appointment for XX/XX/XXXX, to talk through this option and view some cars available for purchase. When arriving to the dealership, I test drove XXXX different cars, and wanted to continue a conversation on a XXXX. At this point, my husband and I were told we would not be receiving any equity from the leased vehicle because there was an open manufacturer recall without a remedy. We were told by the representative that if they gave us any money for the XXXX, they would suffer a loss because of the recall. This was the first we were hearing about any open recalls on the leased vehicle. This seemed to me as a bait and switch tactic which was very deceptive to get me into the dealership. The dealership would have known about the recall before I went in and should have never offered any equity if it was not an option for me. In addition to this, a recall on the leased vehicle with no fix should not have anything to do with equity from not driving the car. Again, very deceptive and would be the the responsibility of the manufacturers XXXX XXXX XXXX. I have tried to rectify this situation with Toyota Financial Services, who agreed with me, and they encouraged XXXX to work with me. XXXX never did. A complaint was filed against XXXX with Toyota Financial Services, but I still believe my rights as a consumer have been violated.
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Toyota Motor Credit Corporation ( TMCC ) and its affiliate, Toyota Financial Services ( TFS ), is claiming it is owed a past due balance of {$4400.00} by the account holder. However, per TMCC and its affiliate, TFS ' XX/XX/XXXX XXXX report with the Securities and Exchange Commission ( SEC ), page XXXX Secured Notes and Loans Payable section, it conspicuously states that, " We, ( being TMCC and its affiliate, TFS ), securitize finance receivables and beneficial interests in investments in operating leases ( Securitized Assets ) using a variety of structures. Our securitization transactions involve the transfer of Securitized Assets to bankruptcy-remote special purpose entities. These bankruptcy-remote entities are used to ensure that the Securitized Assets are isolated from the claims of creditors of TMCC and that the cash flows from these assets are available solely for the benefit of the investors in these asset-backed securities. '' It appears that the two applications submitted to purchase/lease two automobiles from the XXXX Toyota dealership in XXXX, New Jersey in XXXX XXXX XXXX TMCC and its affiliate TFS, purchased the commercial/chattel paper ( applications ), collateralized them, then transferred and converted the commercial/chattel paper ( applications ) into tradable securities to be sold and traded in the open and/or private sector markets to which I have received no benefit. Regardless of what TMCC, TFS and their affiliates claim, withholding access to my securities is securities fraud, in which I am entitled just compensation to. TMCC, TFS and their affiliates knowingly and willfully operated in dishonor, unjustly enriching themselves with unclean hands. Behaving in such manner are severe violations of federal law. If we are unable to reach a settlement agreement within XXXX XXXX XXXX XXXX days, I will have no other option than to hold them accountable for their actions to the full extent of the law.
|
| 11/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
My complaint is with Toyota Financial Services ( TFS ) for erroneously withdrawing {$510.00} on XX/XX/2019 from my XXXX XXXX checking account. I used to have an auto loan with TFS, which was paid off last month on XX/XX/2019. During the term of the loan, the monthly payment of {$51000.00} was withdrawn by TFS from my said checking account, called autopay. After the loan was paid off, TFS sent me a letter of satisfaction of the loan ( attached ), stating among other things, that the online bill payment or autopay will be cancelled and a California DMV ownership title to the car will be sent to me.
I have received the California DMV ownership title on XX/XX/2019 ( proof of full payment of the loan ) and TFS confirmed that the autopay would now end.
However, as mentioned above, the autopay did not end and TFS continued withdrawing {$510.00} from my bank account. Because of this withdrawal, my checking account on XX/XX/2019 was overdrawn and caused a negative balance of {$230.00} ( attached ). As a result, I incurred the following several fees and charges by my various financial institutions : 1 ) an overdraft fee of {$33.00} by XXXX XXXX ( attached ) 2 ) non-sufficient funds fees of {$74.00} ( 2 x {$37.00} ) for two returned checks that were not paid because of the overdraft 3 ) a late fee of {$28.00} on a credit card account which was not paid on time because of the overdraft 4 ) interest charges for late payment on credit card accounts ( awaiting statements ) I called up TFS about this issue but they asked me to ask XXXX XXXX to reverse the {$510.00} and the overdraft fee of {$33.00} and to collect from TFS. XXXX XXXX refused to reverse the charges because they did not cause the error, it was caused by TFS and XXXX XXXX said that they might have a problem collecting from TFS.
Address of TFS and my account number with them are in the attached documents.
Thank you for your attention and cooperation.
|
| 09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Toyota Financial Services gave me an extension on my loan due to Covid. I also changed my billing date from the XX/XX/XXXXof the month to the XXXX of the month around the same time. This extension was reflected in my bill. The bill continued to be {$0.00} every month, with {$0.00} in late payments and interest. This continued into XXXX, when I thought my bill would be due. I called XXXX several times to discuss. I was told that due to my date change and due to the extension, that I would receive an extra month as it was reflected in my bill that a payment came in during the extension ... although I can not make heads or tails out of their accounting. Regardless, I have copies of all my bills that reflect {$0.00} due and {$0.00} in arrears. My XXXX bill came with the normal balance of my car payment. I made the payment on time. I was also notified by XX/XX/XXXXthat XXXX put a marker on my credit and it took XXXX points off my near perfect ( XXXX ) credit rating that I have proudly spent my life building with on time payment on all my accounts. XXXX has acknowledged their mistake to me and last month told me they would dispute the credit reduction and fix the problem for me. I just receive a new bill for XXXX, telling me I owed them over {$1600.00} in current billing and arrears. I called XXXX again and was told they refuse to remove the marker on my credit, that yes they were wrong, but I should have known I owed them money even though their bills reflected that I didn't. This was an entirely different conversation than the previous one I had. So XXXX had internal billing issues, which I questioned in phone calls, was told to just pay my bill when it comes due, which I DID, they ruined my credit rating and refuse to fix it now. I have copies of all their bills and they say that I should have paid money that I didn't know I owed and had no way of finding out what I owed because their bills didn't reflect that.
|
| 12/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
Servicemember |
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XXXX applied for financing for a new vehicle. We were told we were approved yo which I verified more than once with approving bank. We were told the interest rate, agreed on down payment, agreed on trade in amount.
I asked them for manufacturer discount for being XXXX veteran and was told no.
The dealership used high pressure tactics and told us deal was only good through XXXX. I explained that my wife is a XXXX XXXX and had to work but could come to dealership XXXX. We were again pressured to go to dealership by XXXX. We went to dealership XXXX. We signed a contract, paid our cash down payment, left our trade in and drove new car home. 5 days later the dealership called and frantically told us that we needed to return the car. They didnt say a word about returning our down payment or trade in. They said either return the car or finance through the manufacturer at a much higher interest rate. The dealer did not disclose the buy rate or other banks that would finance us. The only option was to finance through manufacturer at much higher rate and we were told this had to be done immediately. We felt enormous pressure to sign new contact out of fear of losing new car, losing down payment, losing trade in. To us, the dealership did a classic Yo Yo finance scam. They completely took advantage of me and wife knowing that we have good income and knowing we were getting car for our daughter. Now our monthly payment is considerably higher and the amount paid through end of loan is much more. They also tried to sell an extended warranty which we refused but as we were walking out of finance office we were told car has lifetime powertrain warranty if we brought car in for annual inspection. High pressure, deceptive tactics, Yo Yo scam. Told by sales manager to refinance it if we didnt like loan terms with manufacturer. Shameful behavior. Finance guy is very dishonest and should not be working in a position of trust.
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| 01/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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I traded my XXXX XXXX XXXX lease in back in XX/XX/XXXX. My lease was traded in early, XXXX bought my lease out in the amount of XXXX which was the buy out amount. Im now a customer with XXXX and now leasing a XXXX XXXX XXXX.
I received a bill from Toyota for the XXXX XXXX that I no longer have as of XX/XX/XXXX. I called Toyota Financial speaking to a rep who confirmed the reason I was sent a bill is because an odometer statement was not received. In addition they could not process the check until this item had been received. I was told to contact the dealer to send this info via fax.
I call my dealer speaking to my salesman I told him about the situation and said that Toyota is calling for the odometer statement. He said he never sent one of these before and couldnt believe that Toyota was asking for this. He said that he would discuss with his boss and get back to me. This was fine I later received a text of the invoice that said the car was bought out by XXXX. My salesman called me to let me know he text me the invoice I confirmed receiving it.
I then called Toyota the second time speaking to a new rep, I explained the entire conversation from the beginning and was told that I needed an odometer statement. I said that XXXX never sent a odometer statement in the past. The rep said in order to close the account that the statement was needed.
I did my part by turning in my plates and going to the dmv etc Ive got all my receipts. So now Im caught in the middle and frustrated because XXXX will not send the odometer statement I guess to protect me or them from fees? I dont want this on my credit as Im trying to clean up my credit now. I really need help in this matter as you can see its really ridiculous Id be stuck in the middle of something that should have been taken care of from the beginning. Im not the owner of the car XXXX is I feel like any invoice concerning the XXXX should go to them not me!
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| 01/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I previously submitted a complaint to the CFPB about this company without any remedy as the company closed the complaint before they addressed my concerns ( attached to this complaint ). So here I am once again, the consumer submitting a complaint on my own behalf with first-hand experience of the transaction. Toyota Motor Credit Corporation financed the deal for the truck that I purchased on XX/XX/2019 from XXXX XXXX XXXX in XXXX, Arizona. Toyota Motor Credit Corporation ( sponsor ) received the contract ( or receivable ), which they call a retail installment sales contract or note, and took the contract/receivable and transferred the contract/receivable to Toyota Auto Finance Receivables LLC XXXX XXXX XXXX XXXX After Toyota Auto Finance Receivables LLC took possession of the contract/receivable, it then went to Toyota Auto Receivables XXXX Owner Trust ( issuing entity ). Given that XXXX XXXX XXXX XXXX is responsible for " assigning, granting, transferring, pledging, mortgaging and conveying the Trust Estate pursuant to, and on the terms and conditions described in, the indenture ( the Indenture ) between the Issuing Entity and XXXX XXXX XXXX XXXX as indenture trustee ( in such capacity, the Indenture Trustee ) and to holding, managing and distributing to the holders of the Certificate ( the Certificateholders ) pursuant to the terms of the Sale and Servicing Agreement any portion of the Trust Estate released from the lien of the Indenture. '' This information is public knowledge and is located in the attached document that is filed with the SEC. This shows and is primie facie evidence that the contract/retail installment sales contract/note was accepted for value fulfilled the obligation that creditor alleges I owe. It would be an inequitable transaction for me to provide value in terms of the contract while also paying monthly payments to the creditor. I feel that I have been injured for this reason.
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| 02/02/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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In XX/XX/XXXX, I purchased a new vehicle through my XXXX company with a lease through XXXX XXXX via XXXX XXXX. After 3 months of owning the vehicle, the vehicle started having electrical problems with the dash and video components going blue or cutting off completely. We had the vehicle serviced and reviewed over a 5 month period continuing to make payments. After a XXXX Corporate Technician was flown in to review the vehicle problems, he was able to duplicate the problem and said the vehicle is not able to be repaired because the vehicle could not withstand a software update. Therefore, XXXX XXXX sends me a letter stating they are reviewing my vehicle for the Lemon Law in the state of Alabama. After receiving the letter and the vehicle is not able to be repaired and could be a hazard based on the electrical issue, I stopped making payments to XXXX XXXX because the vehicle is unsafe and not operating in a manner I am comfortable to put my family in. Because I stopped making payments, XXXX XXXX starting calling me and asking for an explanation why I was not making payments. Each week over a 6 week period they would call at least once or twice a week asking for payment and I would tell them the problem and they would tell me okay but someone else is going to call soon to ask again for payment and an explanation. Each time I would give the explanation and have the person calling to review the notes and they would say the same thing. This week Of XX/XX/XXXX, I received a XXXX Update on my credit score stating my score had dropped due to an outstanding payment over 30 days with XXXX XXXX. I feel as if XXXX XXXX and Corporation are being unfair about me making payments on a car that is unsafe to drive and can not be repaired. I feel as if they bullied me into trying to make me make payments on a vehicle they can not repair and could be a hazard to my family driving it. I will upload all files for review.
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| 01/05/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Problems when you are unable to pay
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Web |
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On XX/XX/XXXX my lease for my XX/XX/XXXX XXXX is completed. I am going through personal health issues with XXXX, my husband and I thought that the best thing right now is to keep the SUV and fiance the remaining balance. I will be XXXX % honest that some payments were late, but I never had any repocession and I always caught up. This was do to me being ill. Not because we did not want to pay. On Toyota 's side and what they reported to credit agency 's is inaccurate. I tried XXXX times to straighten out with Toyota and dealership. Neither helped. I then have been contacted by both the dealership and Toyota of my expiring lease and what my next step is. I emailed the dealer telling them what my current situation was pertaining to car and health. Because Toyota destroyed my credit - I had to get a co-signer. I had the proper co-signer, more then sufficient income XXXX {$1500.00} a week via spouse ) and that I would be able to put a down payment. Toyota refused. They caused the issue by not reporting properly or every time I faxed ALL their XXXX logs from my credit union magically never got. I have been called a deadbeat by a XXXX XXXX XXXX agent - then Toyota paid ME {$100.00} in good will via claim filed through CFPB. The dealership promised I would get approved no worries. Now not the case and have ignored me since. I have been approved through XXXX other dealership ( XXXX and XXXX ). Now I am in a position health wise I have been given XXXX months to a year to which Toyota was informed. Still did not matter. I have tried XXXX times to correct situation. Now I will be with out a car. This all transpired over XXXX - when I really should have devoted my time to my XXXX children and spouse. I attached texts from dealership saying " Do not worry it will get handled ) .... The new fiance XXXX I am dealing with his very assitant has and is having same issues with Toyota. I have texts from that as well.
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| 01/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Account number XXXX ; XXXX XXXX XXXX XXXX - repossessed without notification Background I XXXX XXXX XXXX - bought a car in XXXX from XXXX XXXX texas for XXXX approximately and had an automatic XXXX $ payment set up in my bank to go and for unknown reasons the bank automatic payment stopped on XXXX.We have not checked it and with XXXX $ balance left out when I was in XXXX XXXX Lousianna I came to found on XX/XX/XXXX i could not find the car parked in my location and found it was repossesd for failure to payment.
Payment made XX/XX/XXXX XXXX~ for 4 month due and XXXX repo charges I am in good credit rating and XXXX XXXX requested me to get the car on a loan for their credit department benefits when I bought it in XXXX, otherwise I would not have gotten it on credit at all Issue Called XXXX TFS Toyota - they said they did not have to inform me that I am behind on my vehicle 's payment and that they can repo if I do not pay and a decision was made to repo on XX/XX/XXXX with NO phone or email or letter communication and they mentioned my phones were listed as do not call list despite we get calls from toyota to get extended warranty - we listed as do not call list for tele-marketing and we kept getting them regularly anyway.
Please do the needful for this type of action in regards to making sure companies like this will not rashly take decision without informing consumers, hold hands with third party teams to make few extra money in repossession charges and to destroy the credit rating of consumers particularly minority despite knowing the minority is a XXXX in good standing in the community and credibility with good credit ( they have checked my credit monthly from XX/XX/XXXX as i pulled reports after the fact ) - even if they were on donot call list the do not call list is for marketing not for do not call when you are dying or going to take away the vehicle Please do the needful XXXX XXXX XXXX
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| 08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I appreciate the response to my inquiry. However, I disagree with multiple components of the response. I was never, at any point, contacted by Toyota to address any concerns for potentially late payments and/or credit markers. Each and every time I requested a deferment. Your records will show that I did request a deferment for other months, correct? Then please ask yourselves why would I have failed to do so for other months when I knew this would prevent a credit marker? I feel as though this reporting is unjust. I have dealt with Toyota on multiple occasions and the most recent accounts ( one was just under my wifes name ) never once had a negative payment. However, there were times when we neared one and never once received a call of any sort from Toyota. I also never received correspondence via mail but if I did, it would have been too late. These late payments are adversely affecting my credit score but I no longer have documentation to support otherwise given that it was 5 years ago. Instead, Im forced to rely on what I feel is faulty reporting and an attempt to cover the tracks of Toyota by insinuating that attempts were made to help me. I am very familiar with the process, as evident in deferments that were granted for other months but were documented properly, so why would I not have done that for other months? I also always paid and my account was closed in good standing. I had other payments that were recently corrected via Toyota on this account ( XXXX payments not yet due for removal ) so I know that mistakes were made previously leading me to believe that these are in fact inaccuracies. I request a reconsideration. If call logs can not be produced, then essentially it is my word vs theirs and given that theyve already shown to make mistakes, I will assume that I am correct. I didnt always have the most stellar payment history, but I KNOW I made these payments on time.
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| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Dear CFPB, I recently received a copy of my (, XXXX, XXXX XXXX, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; XXXX, XXXX, XXXX, They reported my account as LATE in the month of XX/XX/2023 - XXXX XXXX XXXX XXXX Names of the accounts : - - TOYOTA MOTOR CREDIT Account numbers : - XXXX Your company is in violation of the FCRA and XXXX Compliance and reporting violation.
15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( 3 ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2023 you reported transactions from Toyota Motor Credit, Account Number XXXX my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report!
The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of XXXX Compliance!
Provide me with a XXXX Compliance disclosure on reporting transactions to a consumer reporting agency.
I need the transactions reported as Late Payment on XX/XX/2023 DELETE it from my consumer reports effective immediately.
Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time.
Further more 15 USC 1666b ( a ) ( A ) Time to make a payments - a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
I need the above transactions deleted from my consumer reports!
Best Regards XXXX XXXX
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| 05/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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In XXXX of XXXX my wife and i found out that the XXXX XXXX had a engine in the vehicle that didnt belong.We found that the dealership or the previous owner had somehow placed either an XXXX or XXXX XXXX XXXX XXXX into the XXXX XXXX XXXX.The vehicle in which my wife and i had purchased in XXXX.When we brought too the manager attention at the XXXX location.Was told too go too the XXXX location XXXX XXXX was the contact person that we meet with.My wife and i were told not too worry and that they XXXX XXXX was going too take care of us.Also pay of the remaining balance.Then instructed us too follow them too the financial Dept.All was paperless in which no numbers were displayed also the gentleman in the financial office stated that we didnt have too worry.About repairs of any engine nor electrical free of charge.All we need too do is just drive and change the tires when needed.That we were covered 5 years on the engine and 3 years on electrical components my wife and I received a flash drive of what was completed.The XXXX XXXX placed us into a XXXX XXXX XXXX and charge us XXXXOn XXXX XXXX contacted XXXX XXXX XXXX XXXX and was told that we were charge XXXX roll over amount from a previous loan that my wife and i were told that they were going too take full responsibility for.Observed the dealership contacted our previous bank and paid off the faulty vehicle.Also XXXX XXXX placed over XXXX warranty amounts on top of additional XXXX XXXX XXXX my wife and i were told on XXXX XXXX was about XXXX or XXXX.Never did they mentioned that they were going too add on XXXX or lie directly too us just too complete a sale.We know for certain that we never agreed in paying double amount for any vehicle also they copy signatures and added too documents that they wanted.They planned for this the entire time also stated that we somehow agreed on what they did we would like justice thanks blessings.
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| 11/08/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I had a lease through Lexus Financial Services ( LFS ) for a XXXX XXXX XXXX ( payments on that vehicle were made via auto-pay ). This past XXXX, I returned the XXXX vehicle and then got a new lease on a XXXX model, also financed through LFS.
In XXXX, I made my final payment to LFS for the XXXX XXXX ( via autopay ). Also, in XXXX, my dealership ( XXXX XXXX XXXX of XXXX XXXX ) made my first payment to LFS for the XXXX XXXX. At that point, I now had only the XXXX vehicle -- NOT the XXXX vehicle.
In XXXX, I was sent a bill from LFS for XXXX for my XXXX XXXX ( which I expected to receive ). However, they ALSO took an automatic payment for the XXXX vehicle ( XXXX ) which I no longer had. This should not have happened.
When I called LFS, promptly, to advise them of this, they apologized for the error and told me they would either send me a check for the XXXX or they would credit my XXXX account for the XXXX. No big deal -- all was fine, as far as I was concerned. I opted to have them credit the XXXX account for XXXX. As for the remaining XXXX balance on the XXXX account ( XXXX minus XXXX ), they said that, since the amount was negligible, they would simply tack on that small balance to the next month 's bill. ( FYI, I did, the next month, make a payment reflecting an additional XXXX ).
Unfortunately, to date, my XXXX account has still not been credited for XXXX, despite the fact that they have retained the XXXX that they never should have taken to begin with.
I have called literally dozens of times to get this corrected -- as has my dealership -- but NOTHING seems to get fixed. They 'll tell me it 's fixed, but when I later check the account, it has n't been fixed. This week, I received YET ANOTHER bill demanding a double payment. When I call, they threaten to send me to collections. I feel like they are trying to extort money out of me and I do n't know what to do anymore.
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| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I went to purchase a car at XXXX XXXX XXXX Texas under my companys name. I asked them specifically if XXXX XXXX was going to report the lease to my personal credit report they told me NO. The Financial Manager stated he call Mazda Financial Services and they confirm that with me as a Personal Guarantor.it would not show on my credit. I Lease this car in my business name and with me as the personal Guarantor. I got to the finance office and the Finance ManageXXXX XXXX tried to get over on me. I told him that I didnt want certain products and when I went to sign the paperwork everything I said I didnt want was in the paperwork. If I didnt catch that he wouldve added things in leases that I didnt even want. Now he has to reprint all the paperwork and Im in the office for two hours. It took XXXX a month to submit the final paperwork to the bank and my temporary plates exited because he took so long. I got pulled over by the cops for expire tags on my car because of XXXX negligence. On top of that he was asking me questions about signing business paperwork and stated he didnt know too much about it because he doesnt do business deals often. First of all you are a Financial Manager, why are you asking the client for help and knowledge about sign paperwork? Now this lease is showing on my credit report and XXXX cant close on my house because I was specifically told this car will not be reported to my personal credit report. This account shouldnt be reported to my personal report based off the information i was given. XXXX XXXX should not be reporting this car on my personal credit. On my personal credit report it shows as individual. This should not be on my credit report because this car is in my business name. Dealing with XXXX XXXX and The dealership has to be the worse experience I have ever had. They are definitely fraud. I will stick with luxury banks and dealerships only.
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| 04/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I reviewed my credit report and there are several items, that aren't correct. I have a inquiry from XXXX XXXX, dated XX/XX/XXXX. This is not my inquiry, I did not apply for any account with XXXX, nor did I authorize them to pull, my credit.
Toyota Motor credit, has a 30 day late payment, showing on my credit file, for XX/XX/XXXX. I set up a automatic payment draft, but I was doing some other credit payments, over the phone and I decided to call Toyota Motor Credit on my XXXX payment and I submitted a phone payment. I realized that I still had a auto draft payment, coming out of my account and this would cause a issue, with some addition payments, that were due, later in the month. So I called Toyota Motor Credit two days later and cancel the auto payment, for the second payment, and the customer service rep. Assured me the payment was canceled and would not be processed. I am not sure if their computer system or the rep did the cancellation. But, both the payment, I made, over the phone and the auto payment, was cancelled, in error and Toyota, placed a 30 day late on my credit file. I have spoken with them, several times and they show, both payments being made, in their system. But, refuse to remove the 30 day late, because I authorized, the cancellation of one payment and they cancelled both payments, on their end of the transaction.
XXXX issued by XXXX XXXX. I have a XXXX balance and haven't used the card in sometime.My last payment, showing on the credit file is XX/XX/XXXX ( this XXXX out the account, as there wasn't any other charges, made to the account ) .I made the payment, on the XX/XX/XXXX. But, my credit report shows a late payment for the month of XX/XX/XXXX? If I made the last payment on XX/XX/XXXX and it XXXX out the balance. How can I be late on the payment, for the month of XX/XX/XXXX. This is a error and I would like it removed off of my credit file.
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| 04/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I am submitting a claim against the Toyota-Lexus Financial Service, a lease agreement originated from a dealership in XXXX XXXX, California. In XX/XX/XXXX, I have discovered a fraudulent discrepancy on my credit report while purchasing my automobile. I immediately filed a police report in my resident state of Nevada. However, in XX/XX/XXXX, I was notified by my Security Manger regarding my clearance due to a few discrepancies on my credit report. These discrepancies happened at the same time frame when my fraudulent case with Toyota-Lexus Financial Services. I then called each creditors and requested the Debt verification and they were unable to provide any proof and then removed or taken care of. On XXXX XX/XX/XXXX, I contacted the collection agency ( XXXX ) and spoke to a supervisor, XXXX XXXX, to request Verification of debt from the original creditor.
On XXXX XX/XX/XXXX, according to the call from XXXX XXXX, XXXX representative, XXXX insisted that it was not fraud because the company has a copy of my driver license on its record. I contradicted what XXXX insisted by highlighting critical facts : my non-residence history in California, ( 2 ) third partys picking up the vehicle at the dealer-shop, and ( 3 ) the suspicious persons possible accessibilities to get my personal information. As of today, I still have not received any requested documents ( i.e. promissory note or a copy of my driver license that they claimed to have ) or updates from the Toyota- Financial Lexus Financial or dealership.
I gave them ample time to provide me with verification of debt, however, as of today, I have not received anything from them. This has been hindering my security clearance and I need to resolve this case as soon as possible. I am reaching out to you to help resolve this matter as I have exhausted my resource. I am attaching a copy of my police report filed in XX/XX/XXXX.
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| 12/22/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
Servicemember |
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Briefly, on XXXX XXXX XXXX, my spouse and I went to XXXX XXXX in XXXX Nevada to purchased a new vehicle. We heard from previous customers that XXXX XXXX has a Lifetime warranty on certain vehicles. We found a XXXX XXXX XXXX so we purchased it. The finance person asked if we wanted an extended warranty which confused us. Instead of arguing, we just said yes to the extended warranty. We put no money down and signed our contract! The next day, XXXX XXXX called us stating that we were not approved for the vehicle loan. XXXX XXXX also stated to return the vehicle or we need to put {$4000.00} down on the vehicle. On XXXX XXXX XXXX, we went back to XXXX XXXX and put {$4000.00} toward the vehicle and signed a new contract. Then, on XXXX XXXX XXXX, we received a letter and a warranty book from XXXX XXXX. The warranty book reflects the following ; multiple complimentary servicing, a complimentary tire for life coupon along with a Lifetime of Ownership Warranty. After that, we were very confused and felt that XXXX XXXX charged us an extra {$1900.00} for an extended warranty when they did in fact have a lifetime warranty! We then contact XXXX XXXX office and notified them. We contacted XXXX XXXX and XXXX said that XXXX XXXX does not offer Lifetime warranty. I notified XXXX that XXXX XXXX, there other company does in fact offer a lifetime warranty. I also stated that per Nevada law, if something is in writing, the business must honor what 's in writing! As of today, we have had issues with our vehicle and XXXX XXXX does not want to honor the Lifetime of Ownership warranty that they gave to all there customers. We feel that this is misleading and possibly criminal! The XXXX XXXX must be held accountable for their dealership actions which must be addressed! Please review our attached complaint along with the documentation provided which goes more in detail regarding this complaint.
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| 01/31/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I leased a XXXX Toyota Corolla from Toyota Financial Services. When the lease was close to ending in XX/XX/XXXX, I traded in my XXXX Corolla for a XXXX model. I made 2 payments to TFS ( XX/XX/XXXX and XX/XX/XXXX ) that were to be payments toward my new lease. Instead, they were credited to an excessive wear charge ( which I will argue later in this note ) and I was assessed a late fee. Even with the money being credited to the excessive wear charge, there was still a refund due to me that has not been sent or credited to my lease payments as of XX/XX/XXXX. TFS did credit the late fee back to my account. In XXXX I received about 5 phone calls a day, including calls to my work phone, from TFS demanding payment of a bill I did not owe. The only way to stop the phone calls was to make an additional payment. Customer services representatives continued to claim they never received the XXXX payment. One rep. insisted I did n't know what an e-check was and told me that it was a paper check sent by the bank. She said it must have been lost by the USPS.
I had my credit union trace the payment and they confirmed that Toyota received and accepted the payment. On XX/XX/XXXX Toyota finally found the payment they had received on XX/XX/XXXX. They said they would credit my XXXX lease but then called back today ( XX/XX/XXXX ) to say that I still owed more money on the excess wear ( which they had previously said was paid in full in XXXX ) and that they were retaining some of the promised refund toward what was still owed.
As for the excessive wear charges, these include a {$300.00} charge for a remote/keyless entry fob and 2nd car key. The car never had a keyless remote fob. I had previously reported to the Toyota dealer that the 2nd key they gave me never worked for my car. So, I only ever received 1 key for the car and I gave the key back to them when I turned the XXXX model.
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| 04/05/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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XXXX XXXX, toyota dealership in XXXX was where i leased my toyota van. when i. returned the van, the manager went over the van with me wide open and checked everything and it went well. the manager never asked or disclosed anything about any accidents. we then went inside to do another lease but ended up with a purchase because of too many complications. at that point i did not complain because i thought i was getting a better deal since it was a purchased transaction ; however, i went home disappointed because i was really determined and adamant in just leasing a van for my business. after a couple of months, i heard from toyota and they were charging me approximately {$3400.00} for repairs and damages. according to them they found out after thoroughly checking the leased van that i had gotten into an accident and they claimed the repairs were not up to " their standards ''. i then asked them why they had n't inquired at the time of the return and inspection about any problems and concern because if it had been disclosed under that condition, i would have purchased and kept the van as the accident was only superficial damage and not the engine. i did not pay what they were demanding because it was unfair, and also because i had already paid for the repairs when the accident happened. they should have disclosed their position and informed me about it while we were going through the physical inspection.of the van. i tried to reason with them and eventually even hired an attorney to deal with them, but they would not change their position at all. they then reported the claim to the XXXX ( XXXX ) major credit reporting services ... and my nightmare began. i was unable to follow up with XXXX XXXX and the personnel involved because the dealership closed. to date, toyota still refuses to remove the negative report even though it was first posted in 2007. please help.
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| 04/30/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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In XX/XX/XXXX, the lease was ending on my XXXX XXXX XXXX XXXX After looking at the options with XXXX XXXX in XXXX XXXX, CA, I decided to purchase a XXXX XXXX XXXX.
XXXX XXXX purchased my lease ( i.e. bought the car ) and sold me a new car. There was no mention of any other fees and I believe I was clear when I agreed to buy the car that this was the price and there were no other fees.
About a month later in XX/XX/XXXX I got a bill in the mail for {$190.00} from XXXX. The bill did no indicate what the amount was for. Upon investigation, there was a scrape on the car that XXXX decided was a {$190.00} cost to myself. There was no math given and I only found out the details of the bill upon calling to investigate. More importantly, I closed the deal on the lot and then get this bill a month later saying that the deal on the lot was not the deal, there's actually this other bill that was never discussed.
Getting a bill after turning over my lease and purchasing a new car is shady and unethical. Yes there is a contract that says I am responsible for excessive wear and tear, but the point is that XXXX XXXX purchased my car on the lot that day and then slipped this bill to me in retrospect and it was never discussed. I was never told there would be additional costs to turning over this lease on the lot.
Additonally - this XXXX XXXX has a key, not a fob, that has to physically be put into the car and can be locked in the car, which I did not know until I got the car home. I didn't even think that this was an option on a XXXX vehicle that I had to ask about. I certainly was not made aware of it by the salesman who gets paid per deal that he closes and is only concerned with closing the deal, no matter what.
I have paid this {$190.00} so that my credit will not be destroyed, but it is a shady, unethical poor business practice and I will never buy another XXXX.
|
| 03/06/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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My Toyota financial payments are made through EFT transaction. On XX/XX/2017 XXXX deducted the wrong amount from my bank account. My correct payment amount is {$380.00}, but Toyota deducted {$310.00} which is an incorrect amount. I was not aware of this until my credit monitoring service notified me on XX/XX/2017 that I had a derogatory mark on my credit report. After investigating I learned that Toyota Financial had reported my XX/XX/XXXX payment 30 days late. After checking my bank statements for the prior three months I noticed that the XX/XX/2017 payment amount that was deducted from my account was not the correct amount. I logged onto my Toyota Financial account and saw that I had an outstanding balance of {$63.00} and a late charge of {$3.00}. Next, I called Toyota Financial and spoke to a customer service representative. I explained what happened as best as I could, but the CSR had a heavy accent. I could not understand her well and she could not understand me - she repeatedly asked me the same questions over and over and could not understand my answers. In the end she told me there was nothing she could do and that I would have to dispute the matter with the XXXX credit reporting agencies. This error on Toyota 's part has cost me XXXX points on my credit score. That 's exactly how much lower my score is now. I spent several hours on the phone this morning with the XXXX credit reporting agencies : XXXX, XXXX, XXXX and XXXX. XXXX told me they would remove the error immediately. XXXX told me they would file a complaint against Toyota Financial and review the dispute and rule on it within 30 days. XXXX and XXXX told me they would review the dispute and rule on it within 30 days. This error has caused an undue amount of hardship. I want Toyota Financial to correct my credit report with all of the agencies they report to and refund the late charge to me.
|
| 12/05/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
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Web |
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I leased a XXXX XXXX in XXXX and in XXXX of XXXX it was totaled. I was told when I went to lease a XXXX XXXX, that my GAP insurance did not cover the difference between the value and balance on my XXXX XXXX lease. I was told I could " roll in this {$3000.00} difference '' to my new lease. My car payment went up SIGNIFICANTLY as a result, to XXXX XXXX. At the time I thought this was both deceptive and misleading. So, the dealership sells me GAP insurance, and my insurance company gives me a fair amount for the totaled vehicle, but now the dealership that clearly overcharged me for a vehicle ( in the height of XXXX ) says it won't cover the entire lease balance? So, you get to overcharge for a car, sell the insurance, knowing the fair amount paid out by the insurance company will not cover the lease balance, and will be owed by the consumer. Then tell them you are rolling it into a new lease.
I am surprised this is still happening with the class action lawsuit in place...
When I went to buy out the car at the end of lease, suddenly I owe this {$3000.00} still and need to " put it down '' to purchase the car and will STILL have a $ XXXX car payment. No one would explain why this GAP insurance did not do what they claimed it would do when I was pressured into buying it. Furthermore, no one admitted to telling me the that the {$3000.00} difference was indeed rolled into the lease. When pressed, the story changed, and they claimed XXXX " wrote it off '' but I still needed to pay this to THEM in order to receive financing to buy the car. I said I needed time to find/transfer this {$3000.00} and they repossessed the car. Now they want the over-mileage charges, plus the {$3000.00} I owe from the deceptive GAP insurance issue and they are negatively reporting me to the Credit Bureaus. My XXXX XXXX from the same dealership, will be my last XXXX I ever purchase.
|
| 02/07/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
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Web |
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|
Toyota Financial Services erroneously ( perhaps fraudulently ) issued both my wife and me IRS XXXX XXXX claiming excess wear and tear on leased vehicles. These were issued erroneously because, for a debt discharge to occur, the amount of the obligation owed must not be open to any real dispute as to whether or not it 's actually owed. These are and always have been vigorously disputed and never documented.
Additional pertinent facts : 1. These charges were repeatedly disputed under the Texas Fair Debt Collection Practices Act. We were never provided any photographs or repair bills supporting their claim.
2. Toyota periodically reassigned our accounts to different collection agencies. Each time we asserted our rights under the TFDCPA they ceased collection activity without providing the requested documentation.
3. Toyota 's own website includes numerous examples of excess wear and tear, none of which were on our vehicles. ( My wife and I are XXXX+ year old XXXX 's and these are XXXX Toyota Camrys. We are not exactly hard on cars. ) 4. The dealership inspected and accepted our vehicles upon return. The charges were " surprise bills '' that came later, with no opportunity to further inspect or effect repairs on our own.
5. Finally and perhaps most importantly, this is internally generated revenue to Toyota. They choose an amount, and once the vehicle is beyond the customer 's control, send the bill. They simply have not documented that they incurred any actual repair cost. Debt discharge can only exist if, and to the extent that, the lender has taken an actual cash loss.
In summary, these XXXX forms were issued for losses that can not be documented. In talking with several of the collection agencies assigned to these accounts, it appears that Toyota regularly tacks on these additional charges as yield enhancers and this is a common practice for them.
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have 2 vehicles from XXXX XXXX XXXX XXXX XXXX leases ended XXXX XXXX I extended as due to Pandemic, XXXX. XXXX had inventory issues ; most dealers had long waits for electric/hybrids 2. I am an XXXX XXXX XXXX XXXX worker and I had less time to deal with dealers In 2023 XXXX, further lease extensions stopped, and TFS asked me to hand in the vehicle.
Several issues caused confusion.
1. My automatic payments were recalculated and no longer possible through website XXXX 2. Despite me making several attempts and payments over the phone, I could not keep track of which vehicle payment was made and which was not- ( 2 monthly payments for two cars ) 3. I asked XXXX for support, made phone payments, and tried to set up automated payments from the Online TFS account, but each attempt got canceled.
4. The verification process from XXXX required written letters and signatures, which hampered the process- 5. These automated payments were canceled without my knowledge- I am still unsure if this was because of issues with account verification or if this was a new lease-end policy that auto-payments could not be set up online.
6. XXXX XXXX account is glitchy and it is tough to tell which account I am working on /Billing statements digitally do not appear ( digital PNG file attached ) Late Payment/Credit Bureau report- XXXX XX/XX/2023, I found out that despite my regular payments and attempts to pay at XXXX, one of my two costs did not get paid, and I was charged a late fee and I was reported to the Credit Bureau.
This was odd 1. Had made regular payments to XXXX through XXXX online account and got confirmation emails I paid -however, one of the two accounts or both stopped payment without notification as the paper-signed contract was not in.
2. I was constantly talking with XXXX and making payments on one of two vehicles but billing was erratic through XXXX
|
| 08/05/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
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Web |
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I am writing to complaint against an unfair practice and significantly high lease-end wear-and-tear charge on the lease return especially when I wasn't provided an opportunity to get pre-inspection performed. Usually all customers get a pre-inspection prior to lease return, but citing closures due to Covid, I wasn't given this opportunity, and later received an invoice for the issues I could have fixed if pre-inspection was performed. I returned the leased vehicle on XX/XX/2020. Prior to returning the vehicle I called Toyota Financial Services ( TFS ) twice and asked for the pre-inspection options since the provider " AutoVIN '' wasn't taking any requests citing Covid pandemic. On both occasions, I didn't get any assistance by TFS nor by the dealership, I was just affirmed that I'll be fine and be taken care-off after the vehicle is returned. I even asked about things I should fix prior to returning, but I was not provided a comprehensive guide/list that I should fix, rather I was left on my own to figure it out. I even visited the dealership but to no avail. Later, I received an invoice with a charge, to replace the windshield, of about {$400.00} when I could have got it replaced myself, if I was made aware, for less than half of that cost. I tried to talk with a representative and they only reduced this charge to {$300.00}, but this is not helpful since an average quote to fix a windshield from the marketplace is still less than half of this charge. The representative kept blaming me to not have the windshield replaced prior to returning and didn't acknowledge the fact that Toyota failed to perform pre-inspection and tell me what they expected to have fixed or replaced. I have even filed a complaint with FTC, report number XXXX, and also tried to contact Toyota on XXXX but didn't get a resolution. I'll appreciate any assistance I can get from CFBP.
|
| 12/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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On Monday, XX/XX/2018 I went into XXXX XXXX in XXXX XXXX to purchase a XXXX XXXX. Before going to the dealer I had already gotten approved for a car loan with XXXX XXXX XXXX for 60 months at 2.64 % for $ XXXX. After finalizing the price on the car and trade-in with XXXX XXXX and XXXX XXXX I was provided a credit application from the dealership through Toyota. I declined as I informed them from the beginning that I had already obtained financing through XXXX. They came back a few minutes later with the application claiming that I had to fill-it out as they legally needed to collect that information, but assured me my credit wouldn't be run ( I was still financing through XXXX ). This morning ( XXXX XXXX ) I received an alert from a credit monitoring service that two hard inquiries had been processed with XXXX XXXX and XXXX XXXX XXXX through XXXX. I called XXXX XXXX spoke to XXXX who put me in touch with XXXX ( one of the finance guys ), I told XXXX how I upset I was, he told me XXXX had entered the inquiries, I told him to have XXXX XXXX call me. In the meantime I emailed the GM, XXXX XXXX outlining what took place and I've received no response as of yet. XXXX XXXX then called me back shortly thereafter and told me he was doing me a favor trying to get me a better rate. I informed him that he wasn't doing me a favor and that he had no right to run my credit. He told me that it didn't hurt my credit, which is factually inaccurate based upon my conversation with XXXX at XXXX this morning. XXXX at the end claimed ignorance claiming he just got here and did his job. XXXX XXXX and every person I dealt with their used fraudulent inducement to get me to fill-out that application knowing all along that they were going to run my credit and try to gain the financing business. My credit has been damaged due to this fraud and they need to make restitution.
|
| 09/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
|
|
On XX/XX/2021, I paid off the remaining balance on my XXXX XXXX. I then received a letter via US postal service dated XX/XX/2021, a scanned copy of which I have uploaded. The letterhead reads Toyota Financial Services.
Per this letter, I am due a refund in the amount of {$140.00} for gap coverage per the sales contract and that a refund check would be mailed to me.
Several weeks passed. No check.
On XX/XX/2021, I called the toll-free number on the letter for Toyota Financial Services XXXX At this time, I was simply trying to get an estimate on when the check would be mailed to me. Because the hold time was excessive ( more than an hour ), I used the automated feature to save my place in line. No one ever called me back.
I then called a different number for Toyota ( XXXX ). The representative there told me he spoke to Toyota Financial Services who spoke to XXXX XXXX XXXX ( which apparently administers dealerships in the south ) who told him the {$140.00} had been sent to the dealership where I purchased the car : XXXXXXXX XXXX XXXXXXXX.
According to this representative, XXXX XXXX told him to tell me to call the dealership to have them send me the funds.
I then called the dealership. The receptionist took my name and phone number and promised that someone would investigate the matter and call me back XX/XX/2021, during the afternoon.
I never received a phone call. I called the dealership again. The receptionist suggested I call back XX/XX/2021, and talk to someone in accounting. I fail to see the utility in doing this after no one called me back on XX/XX/2021.
Everyone involved here seems to be passing the buck. Further, I was promised a check would be mailed to me. The letter makes no mention about the funds being sent to the dealership and that I would have to work with XXXXXXXX XXXX XXXXXXXX to get the refund I am entitled to.
|
| 03/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
This is about Toyota Financial Services.
I sold a car to a Toyota dealership. I had a remaining balance in an auto loan with Toyota Financial Services ( TFS ). The dealership paid off to TFS right away, but hasn't paid a remaining amount of money to me yet after 2.5 months. The problem is TFS released the lien to California DMV without checking the dealership has paid me.
This might be a general issue with auto financial institutions that customers don't have a way to be saved in the case a dealership ( or a buyer ) refused to pay and a financial institution released a lien to DMV. I can see financial institutions wouldn't care beyond what they are supposed to get paid. But, this puts customers at an unfair situation that they don't have a way to enforce payment from the dealership ( or the buyer ).
Events - XX/XX/XXXX : Sold a car ( XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX, XXXX, CA. The dealership ( buyer ) to pay off {$6600.00} to TFS and pay {$6900.00} to me ( seller ).
- XX/XX/XXXX : TFS released the lien to CA DMV.
- XX/XX/XXXX : 2 months passed. I contacted the dealership to the status. They claim TFS hadn't released the title of the vehicle. ( I haven't checked with TFS if this claim is true. ) - XX/XX/XXXX, and XX/XX/XXXX : I kept contacting the dealership. They kept saying they will check but no status update.
Either of two happened : ( 1 ) TFS received a full payoff money, but hasn't released the title to the Toyota Dealership.
( 2 ) TFS released the title to the Toyota Dealership, but the dealership holds the money with no legitimate reason.
The point of this complaint is about ( 2 ). If ( 2 ) happens, there doesn't seem to have a way to control the bad behavior of a dealership. What I suggest is for financial institutions make sure the promised money actually transferred to the customers ( like in buying a house ).
|
| 02/25/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In XX/XX/2016 I traded in a XXXX Toyota Prius for a new XXXX Prius at an APR of 1.9 %. My payments were approximately $ XXXX/month. Today I looked on line at my account. Toyota 's system was down today but there was information available that I had not seen before. There was a schedule that showed my payment broken down by 1-payment, 2-principle, 3-interest. The interest was {$43.00} per month for the payments that I have made. This does not calculate to 1.9 %. This is not seen in the restarted Toyota webpage. I looked at my contract and there is a statement saying that I am paying " simple '' interest. This is defined in the small print. What I discovered was that there is an amortization schedule that shows what the quoted APR of 1.9 % is if the loan is carried out to the end of the 60 months. Most of the interest is front loaded just like a home mortgage. This is not disclosed at the time of sale and no amortization schedule is offered at the sale. In fact the only amortization schedule is a sample one on their webpage. I am concerned that this is a way that Toyota is causing people to unknowingly become underwater on their account when they go to sell/trade in their cars before the end of the contract, especially in the first 3 years of the contract when the actual percentage of the financing can be as high as 10 %. Toyota does not say that the 1.9 % APR is calculated over the lifetime of the loan, not as is implied as a yearly APR. Incidentally XXXX discloses on all their monthly statements the amount of money going towards principle and interest. Toyota does not. These types of loans require disclosure of an amortization schedule at the time of home purchasing and the automobile companies should be held to the same standards. Unfortunately I do not have screen captures of the Toyota webpage when it was not functioning correctly.
|
| 06/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In XXXX of XXXX I requested a one month emergency deferment from Toyota Financial services, for XXXX XXXX payment. I explained to the representative that in XXXX of XXXX, I was seriously injured in a car accident, and could submit documentation to verify my claims. I was informed even tough I had been granted prior request for the year of XXXX, due to it being an medical emergency the requested would be granted. I was told my next payment would be due in XXXX of XXXX, which was paid, but the payment was applied to XXXX payment. I have contacted Toyota Financial Services several times, and have been placed on hold for over 1 hour & 45 minutes several times. Each time I speak with someone I have been told I had exceeded the amount of deferments for the year. This was explained to the representative when I spoke with her in XXXX that I was granted prior deferments for the year, and I was told it would not be a problem because this was a medical emergency. Here it is I'm literally struggling to maintain daily life functions from a auto accident, and XXXX continues to destroy my credit each month with 30 day late payments. It is clear that XXXX still has bad business practices, even after settling a class action lawsuit for charging people of XXXX higher interest rates. Unfortunately for me I happened to be one of the purchasers that was charged higher rate due to the XXXX of my skin and was compensated in a class action suit by U.S D.O.J. Now my credit is being destroyed for an agreement that was issued by Toyota Financial Services, and not kept. XXXX customer service department are inadequately trained, and no customer should be on hold for over an hour. The list of complaints could go on for the lack of quality customer service Toyota Financial Services provides, and their choice of PLACING CERTAIN PEOPLE IN DIFFERENT FINANCIAL CLASS.
|
| 02/21/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Around the middle of XX/XX/XXXX I acquired a vehicle in a consumer credit transaction through XXXX XXXX Mazda and Mazda Financial Services ( also Toyota Motor Credit Corporation ). I asked quite a few questions about my rights as a consumer but I was basically told they do not exist. I never received full disclosure among other things such as no documents to rescind the contract nor the fact that I had the ability. Furthermore, the documents actually say there is " no cooling off period '' which violates rescission in federal law, and as such I was never told I have 3 years to do so.
Around XX/XX/XXXX I mailed by certified mail, a debt validation letter to Mazda Financial/Toyota Motor Credit ( attached ). They responded on XX/XX/XXXX that the debt validation letter was a " fraudulent form of payment '' and threatened legal and physical actions against my property.
On XX/XX/XXXX they then sent a cease and desist of their own volition saying the would " cease all communications regarding the account ''. They lied, and sent another bill the next month ( attached ).
AFTER THE 30 DAY WINDOW FOR VALIDATION I NEVER SO MUCH AS RECEIVED A WORD REGARDING IT. I EVEN CALLED, THEY LIED SAID THEY SENT IT, AND SENT ANOTHER ONE THAT DAY PER MY REQUEST ( late XXXX ). I NEVER RECEIVED THAT ONE EITHER. They continued to attempt to collect the " debt '' during the validation period/dispute and continue to do so.
They were also " assigned '' the " debt '' which was never properly disclosed to me either, nor did i receive any consideration for my signature. Assignment is for Creditors in bankruptcy, and Debt collectors and creditors must be the same person as well.
Mazda continues to collect a debt illegally, continues to violate their own cease and desist, and can not and has not validated the debt they claim I owe after more than 30 days.
|
| 03/04/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/2017 my wife and I went to look into purchasing a XXXX XXXX XXXX at the XXXX dealership in XXXX. The sales man showed us a white XXXX XXXX XXXX. We listened to the sales man and after negotiations back and forth he came up with an out the door price of {$30000.00}. We agreed to that price as the agreed upon price. He showed us this amount on a white piece of paper that he kept and did not give us a copy of, we didn't even get a chance to see the interest rate since we just got a chance to glance at it. At the moment, we didn't think much of it. We were okay with the XXXX price. When we went into the office to sign paper work the lady who did the paperwork said that her printer was not working fast enough and that she would just show us the paperwork on the computer and that I sign on the electronic pad. On the final paperwork it said that the agreed upon value is {$31000.00}. My wife told her that the amount on the paperwork was wrong and she said it was not because they would just write down that we gave a down payment of XXXX. My wife said that it was not true. She said that it was just a good deal that they had to put a value there but that we were just going to have to pay XXXX dollars in cash and not what it said in the paperwork. I was confused but she said to just sign and that we were still going to get a good deal. We thought this was true at the moment but after having someone else look at the paperwork and learning more about leases we learned that the XXXX XXXX XXXX XXXX is engaged in illegal practices in order to generate higher revenues. They changed the numbers around so that the capitalized cost of the vehicle would be higher and that our monthly payment would be higher as well. They also kept the paper that gave us the quoted amount and didn't disclose the interest rate to us. This is discrimination.
|
| 02/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Your company refuses to take accountability for the errors in your online system as well as your customer service reps and for that reason my credit has suffered tremendously. I got into a wreck and totaled my car on XX/XX/2018. My insurance paid off the account in XX/XX/XXXX, there was a minuscule balance showing on the account for {$5.00} for the next 2 months and I called to verify this was correct and get the account resolved. I was told a different amount ( {$64.00} ) not showing on the online account and they mentioned taking it from my account, I agreed to have it taken out, upon logging in to your online system I noticed the same balance of {$5.00} and 2 weeks later after not seeing it being taken out, I called and they told me there was a late payment of {$64.00}. I never would have known about this balance if it wasn't for my due diligence. I never received an email notification, letter, phone call, NOTHING about the remaining balance. My only reference was the online account, which clearly showed a balance of {$5.00}. I wrote a letter disputing this as I was never, ever late on a payment, even paying early at times on the account for the past 3 years. This error has caused a huge sore on my credit report, I am in the middle of buying my first home and this affects me and hurts me tremendously. I wont be able to purchase my home if this erroneous late payment is not removed. I called your customer service line and was told there was nothing they could do, and an " automated letter '' was sent by your credit dispute department ( which has no direct phone line or supervisor to speak directly to ). I am angry, hurt and extremely disappointed in your company for your lack of research and accountability. I was a loyal customer for 3 years and your mistake will cost me my home that me and my XXXX boys worked so hard for.
|
| 04/11/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
XXXX. ( d/b/a XXXX ) advertised a specific XXXX VIN # XXXX for {$33000.00} with XXXX miles, white exterior and auto transmission. I went to the dealership and agreed to purchase the vehicle for the advertised price and the dealer agreed to give me {$9000.00} as a credit for a trade-in of my XXXX. I owned my XXXX in full and I did not have a loan outstanding on it. I executed the documents to finance the vehicle. There was much confusion and I was asked to sign all the finance papers quickly with little time to review them and the entire time the finance officer kept his palm on the top half of the papers and asked me to sign the bottom of the page so that the only number that I saw when I signed the documents was {$36000.00} ( which seemed roughly correct when I calculated the {$2800.00} service contract added to the {$33000.00} purchase price ). After a few days, I realized that the dealership had changed the purchase price from the advertised price of {$33000.00} to {$42000.00} ( {$8700.00} more than I agreed to ). I called and went back to the dealership on 2 ocassions. I spoke to the manager XXXX and the finance officer. The finance officer tried to convince me that the calculations were correct and the manager XXXX stated that he could not figure out how they came to the amount.
I called Toyota Financial Services ( lender ) and they called the dealership and as a result XXXX called me and let me know that Toyota had contacted the dealership. XXXX invited me to come in and speak to him. When I did, XXXX simple could not assist me because he could n't figure it out. The lender has informed me that their review indicates that the trade-in {$9000.00} was a " wash '' and they referred me back to the dealer. The lender should have seen that I was not given the {$9000.00} credit. The lender refuses to make the adjustment.
|
| 09/15/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I was previously a lease holder through Toyota Financial Services for a XXXX XXXX XXXX XXXX and turned in the vehicle off lease for a XXXX XXXX XXXX XXXX in XX/XX/XXXX. I began receiving calls from a debt collector at XXXX XXXX in approximately late XX/XX/XXXXstating that I owed $ 400+ dollars from my XX/XX/XXXXlease relating to a missing key when the car was turned in off lease. The address he had on file, as provided by Toyota, was the incorrect address despite me being a current account holder with Toyota for the XXXX XXXX XXXX and receiving bills each month to my correct address. I provided my current address ( not knowing who he was ) to receive a copy of the bill. I was told this was sent on XX/XX/XXXXbut this was not received at my home. I received 2 additional calls from XXXX XXXX. He then suggested I consider speaking with Toyota Financial Services. I called the number at Toyota FS provided by XXXX XXXX and was told by XXXX XXXX in recovery at Toyota FS that she could provide me no information on my account and that I had to speak with the debt collector at XXXX XXXX and Toyota would not send me the bill. I requested to speak with a supervisor at Toyota FS and was told a supervisor was not able to speak with me. I offered to provide a call back number and was told they do n't make outbound calls. I then offered to wait on hold and was told they do not allow people to wait on hold. So, I am now at a point where I am being called repeatedly by a debt collector, have no way to validate this money is indeed owed through the receipt of a bill and Toyota Financial Services sent me to a debt collector due to not having appropriate records for this amount claimed owed for a missing key when they do have my address for the car I pay monthly for that I traded the old vehicle ( with the supposed missing key ) in for.
|
| 09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I can not wait to return this vehicle and never deal with toyota financial again This is the second time in 3 months they have inaccurately reported a late payment on my credit report. The first time was in XXXX when they did not put through my COVID relief on my account and put a 30 day late on my report they fixed that and now once my relief was up there was an extra {$73.00} bill on my account they could not tell me where the bill came from as I had paid up my previous bill and 2 payments were moved to the end of my lease due to covid. I spoke to 3 representatives pertaining this matter the first one stated she could not figure out where the bill came from and she was going to request an investigation into my account. The second representative who called me while I was working stated he could not see any notes or proof of an investigation and would look into the matter and call me back after XXXX and he yet again could not understand where the bill came from when I was reviewing my statements with him. Finally on XX/XX/2020 the last representative called me and she yet again could not properly explain the bill kept telling me it was a good thing that due to me always overpaying on my bill in previous bills that I only owed {$73.00} for a bill in XXXX that made no sense but to avoid you hitting my credit I just paid it and wanted to be done with it and she stated she was sending a full print out to explain what she meant which I have not yet received. Then he we are on XX/XX/2020 and you yet again dinged my credit with this nonsense. I do not ever want a XXXX or toyota due to this bank, you have lowered my credit score. I am a front line working nurse who seeking covid relief instead all I you have caused me is financial hardship and two separate occasions. Please remove this off all three credit bureaus
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| 08/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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My primary complaint is the non-payment of the mony that was supposed to be fefunded to me in regards to my paying-off my vehicle loan with Toyota Financials ( TF ) here in AZ, telephone : XXXX through XXXX XXXX ( tel # : XXXX XXXX " XXXX ''.
My loan account # with TF : XXXX | XXXX XXXX. Transaction History file attached.
My successful call to the above # was on XX/XX/XXXX, where I was assured through the phone that I will be receiving any refund due to me resulting from this loan-payoff transaction including the automatic deduction TF debited from my bank after they already receive the loan-payoff check from XXXX XXXX.
The customer representative I spoke to from TF was named XXXX who gave me the reference # for this call as follows : XXXX. XXXX assured me that I will be receiving by mail any overpayment amount made to TF or I will be getting a call from their office if more clarifications are made with any other issues about my claim.
I have been calling and leaving messages with TF 's phone # above and until now I have not heard back from them nor received any snail-mail sent to me from TF.
The amount credited to my loan-payoff with Toyata Financial was {$20000.00} out of the supposedly {$21000.00} that XXXX XXXX sent the check to Toyota Financial that amount of which was charged to my current loan for the same car.
Hoping that I could find resolution in this regard from your good office. I have other issues too that I want to share in another complaint surrounding the 'sneaky " process of my getting this car loan that I thought I was getting from XXXX XXXX XXXX that I thought was only being administratively processed by XXXX XXXX Toyota that made me lose some extended manufacturer 's warranties that I thought I was getting when I took this loan thru XXXX XXXX Toyota XXXX
Thank You, XXXX
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| 01/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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A REVIEW OF THE PROBLEM : I successfully set-up an account with Mazda Financial Services to auto-deduct monthly payments after purchasing my vehicle in XXXX, XXXX. However, since successfully setting-up the MFS account, I have been locked out of it. While I do not believe this is a nefarious attempt to keep a customer from accessing the MFS portal, I can not be certain, and as a consumer, believe I have the right to access my online account, should I desire to do so. I have talked at length twice with MFS representatives ( all very kind by the way and legitimately eager to help me ) on XX/XX/XXXX, and XX/XX/XXXX. However, no one has reached out since XXXX, and no additional options have been made available, other than those outlined below, which have all failed.
I mentioned in my correspondence that I would send my next communication to record my issue with both the CFPB and the FCC XX/XX/XXXX. They will receive a detailed letter, along with my call records and all issues as outlined in my first and second letters. While MFS has not ignored my issue, theres been no resolution and I feel that the problem has been underappreciated by MFS.
I have : Verified with MFS that my email address is correct in the Mazda Financial Services system ( sent email address ).
Tested various browsers XXXX XXXX, XXXX, XXXX XXXX.
Tried BOTH XXXX and XXXX XXXX ( and all browsers, other than XXXX for XXXX XXXX to resubmit, then check email for verification codes.
Contacted customer service twice each escalated to a higher level with no results.
Followed instructions to login for NEW verification codes they expire for each new session.
Checked for the verification email directly in XXXX XXXX with no results no email ever arrives.
Checked ALL SPAM filters, plus email programs I use in personal mobile devices, and desktop.
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| 05/21/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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In XXXX of XXXX I returned my car that I leased through XXXX XXXX XXXX/Toyota Financial. It was a 3 year lease that I enjoyed all aspects of, for the most part. I leased a XXXX XXXX XXXX that had two key fobs with the car. I returned the car to the dealership with 1 key on a day in XXXX. A few days later ( within the week ) I returned the 2nd key to the same dealership. The dealership did not provide a receipt for the 2nd key that was returned. I paid the balance that I owed for the lease end charges in total as soon as the bill was sent to me. I did not pay for the missing key charge as I thought there may have been an admin timing issue with the key. So I left with a balance thinking it would be cleared when the key was accounted for. I did not hear from Toyota Financial Services until many months after I paid the balance. They contacted me recently over the phone about a charge outstanding on my account for a key fob. I believed this was all resolved back in XXXX of XXXX when I paid the balance and months after I returned the 2nd key.
1 ) They call me daily about collecting this fee.
2 ) They ask me to reach out to the dealership to clear this up. They work with the dealer, and I have reached out to the dealer on multiple occasions with no response or answer on the phone.
3 ) They call my elderly father about this as well and threaten to send him to collections. 4 ) When I XXXX the price of this key fob it is as low as {$8.00}, they are charging me over {$100.00}.
5 ) The dealership did not provide me a receipt and Toyota financial did not reach out to me until many months after the payment and key return.
6 ) They only call me by ( 800 ) number and do not leave a voice message regarding the crux of the issue.
7 ) When I do answer it takes a minute for the caller to be actually connected to me.
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| 07/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I've been having some issues with my car payment due to having back XXXX in XX/XX/XXXX and ended up losing my job over this. I had always stayed in contact with XXXX financial and always answered their calls. Also when they had called I had answered and they would hang up and call my dad who was co signer on the loan and tell him I didn't answer the call, which in fact I have records of this as well all calls. My farther relay the message and the next few times I had talked to them they try to say it was their end that their phones were messed up. There had been a few attempts that on a phone call i had voluntarily did a reposition of the car and the agent said oh no don't do that we are here to work with you. It wasn't once I had told them this because of being on XXXX and not getting much a month and they were well aware of how much I made being on this and at least XXXX less then what I was making from when I had a job they still refuse to pick up my vehicle as I asked them to do. After many months of struggling to make ends meet and just paying two payments I was still 2 months behind today XX/XX/XXXX they came to repo my vehicle and I given the key to them and was nice to the repo person. I feel that they took advantage of me knowing my XXXX and hardships that I've been dealing with that they put me in this mess as I offer 3 times to come pick up my vehicle. Now yes they did help me on some defer payments but also messed up the last two as one agent told me one thing and another would tell me another. So to me I feel that they took advantage of my hardship as well as my XXXX and wouldn't refinance the vehicle for me or help with losing the payments or even take the car back. Now I have requested to have all phone records pulled and all documents copied to see how they could do this to me.
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| 10/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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Toyota Financial Services. We leased a XXXX XXXX. When the lease was ending we got the pay-off and it was for XX/XX/XXXX. We paid it off ( which Toyota states we received your payment of {$11000.00} on XX/XX/XXXX ) and figured that was that. However, in XXXX we found out they were marking our account delinquent which made no sense as they had our {$11000.00} since XX/XX/XXXX. Even charged us some kind of tax we paid in full AFTER we paid off the car. XXXX - Toyota Account Manager XXXX reached out to me from XXXX and said there was some paperwork we had to sign to get the title. I asked if our credit would be cleared up once completed and we were told yes. However, they never cleared it up and are refusing to still clean it up. We were NEVER late, in fact, they owed us a refund after it was all said and done. They owed US money.
XXXX has not reviewed the verifiable information that Toyota had our money in hand. If there was an issue... Toyota should have sent us back OUR money and that would have alerted us there was an issue. They did not give us back OUR money NOR did they inform us of any issues. As soon as we were aware there was an issue XX/XX/XXXX ( Friday ) we returned the paperwork XX/XX/XXXX ( Monday ). There were no late payments. XXXX- when I spoke with her - assured me once they paperwork was filled out - our credit would be corrected. We asked multiple times ( through their " Secure Messages that are no longer " accessible '' nor can you see any YOU send ) about them fixing our credit and that XXXX assured us they would fix this. On top of that they had to pay us monies BACK ( over {$300.00} ) and probably actually owe us more. I wonder if it was legal for them to charge us additional amounts AFTER they took our {$11000.00} that we *also* paid for some kind of tax on the car.
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| 06/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I am writing to submit a complaint about unfair credit practices by Toyota Financial Services ( TFS ). I have tried XXXX times, unsuccessfully, to resolve the matter with TFS and am submitting this complaint.
TFS has filed derogatory and incorrect information on my credit report XXXX. TFS claims that my payment history is " XXXX, XXXX and XXXX, '' whatever that means. I *think* they are saying I had late payments, but even asking for clarification on what that means was met with resistance from TFS. In fact, when I questioned the meaning of that phrase, they took it to mean that I was acknowledging it was correct ( see the XXXX set of correspondence to understand what I mean ).
The payment history TFS placed on my credit file is incorrect. TFS never XXXX sent me a letter stating my account was late. TFS made absolutely no attempt to cure any debt with me, until XX/XX/XXXX 2014 when I finally received notice from a collection agency that there was a due amount. When I contacted TFS, they removed the collection and accepted payment. They never, EVER, contacted me to inform me there was any late payment. ALL payment to this account was made under the terms of agreement with TFS and with XXXX persons on the loan.
To summarize : TFS made XXXX attempt to notify me of any payment XXXX XXXX ) due. To claim now that there were late payments is simply incorrect and now they are damaging me credit. I have maintained a perfect credit rating my entire adult life ( almost XXXX years ) and am baffled as to why TFS is trying to XXXX over.
I am attaching all correspondence between myself and TFS.
I request that TFS remove all derogatory information on my credit report/profile. I was never late with payments and am being treated with disrespect.
Best, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX
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| 09/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX, I, XXXX XXXX, sent a letter to Toyota Financial Services in regards to an account opened through a consumer transaction on XX/XX/XXXX for a XXXX XXXX XXXX. In my affidavit letter I let Toyota Financial Services know that I was aware of the multiple Truth In Lending violations that were done against my principle, XXXX XXXX XXXX and this affidavit was not rebutted. I requested that Toyota Financial Services cease and desist all communications through all mediums with ANY third party, send a complete audit trail ( transactions summary, ledger, accounting, and file ) so that I can assess the validity of this alleged debt, grant my title lien free, do not attempt to collect, do not furnish any negative activity to reporting agencies, do not seize or attempt to seize any property in my possession, return by check all payments including downpayment, finance charge, amount financed, and violation fees, return original signed agreement, and XXXX out the balance on this account. None of these request were honored. On XX/XX/XXXX, the XXXX XXXX XXXX was repossessed by XXXX XXXXXXXX XXXX XXXXXXXX XXXX sent by Toyota Financial Services. On XX/XX/XXXX Toyota Motor Credit reported negatively on my account. In response to my correspondence, Toyota Financial Services admitted to not being a debt collector as defined under the Fair Debt Collection Practices Act. This is in violation to the Fair Debt Collection Practices Act which states that " the term debt collector does not include an officer or employee of a creditor or someone who is affiliated with the creditor by common ownership or corporate control. '' Toyota Financial Services is collecting a debt from my principle, XXXX XXXX XXXX. Toyota Financial Services also declined my request to release the lien or issue a free and clear title.
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| 08/13/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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The Toyota Financial Services ( " TFS '' ) account existed due to a two-year lease of a XXXX XXXX XXXX. The lease ran from XX/XX/XXXX to XX/XX/XXXXand the car was returned promptly at the end of the lease term in XX/XX/XXXX. In XX/XX/XXXX I was notified via mail that I had a balance of {$880.00} owed to TFS for a Disposition Fee and Excessive Wear and Use Fee.
At the time I spoke with a TFS representative regarding the Excessive Wear fees and contested some of those charges. Per our conversation it was agreed that a portion of those fees ( precisely {$440.00} ) would be waived, as they were not reflective of true wear and tear on the vehicle in question. As a result I paid {$430.00} on a check dated XX/XX/XXXX. Per TFSs representative instruction the note section of the check unequivocally states, " Amount Paid in Full Following Contestation. '' TFSs representative assured me this wording would indicate the excess charges had been reduced and I had no further balance. This check was cashed and I was informed the account was closed.
I was surprised to receive a notice of an outstanding amount of {$440.00} that has been sent to collections ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). I have spoken with a TFS representative ( XXXX, Agent ID : XXXX ) who referred me to XXXX XXXX XXXX ( XXXX ) for further information. I refuse to call in order to discuss any debt as my previous conversation led to this matter in the first place and I prefer to conduct all dealings in writing as proof of what has transpired.
The only amount that I would be willing to settle on is zero dollars ( {$0.00} ). My attempts to resolve this matter in writing has led to an offer to settle for {$350.00}. This is outrageous since I was already assured that my previous payment of {$430.00} would fully settle the matter.
|
| 09/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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THIS IS MY SECOND COMPLAINT AGAINST TOYOTA FINANCIAL. The response received on the first complaint DID NOT address the issue, and they are not taking responsibility. Because of this, they have placed my family in a HUGE financial bind. I am due with baby in three months and need this resolved before then so that my husband can get a job. I had/have attached a copy of the backup I have from TFS proving they are at fault. I have XXXX additional letters that are the same. They are stating they have no records of these.
ORIGINAL POST : My husband and I had an auto loan with Toyota Financial Services since 2010. It has since been paid in full as of this year. Our credit history with them has been nothing less of perfection up until the last few months of the loan. There were several attempts on our end to make payments electronically as we had been for years. We received letters from Toyota Financial ( XXXX of them ) apologizing for not being able to process our payments, even though funds were available. Due to this technical issue, our account became delinquent and recorded at 90 days late. Toyota Financial was able to remove XXXX, but pointed us to the direction of their credit repair department ( whom you can not speak with and can only submit letters to ) Out of desperation, we wrote to them and apologized for the issue, though not being our fault at all, and requested they remove the negative information as my husband is unable to obtain a qualifying job position due to his credit report ( only negative info is from XXXX ) We have been dealing with this for over 3 months now with no resolve. Now, my family is dealing with the financial burdens of my husband being unable to secure a job due to this issue. We have a 17 month old daughter with another on the way expected in 4 months time.
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| 05/19/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
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Web |
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Over 1 year after purchasing my leased Toyota vehicle, Toyota Financial Service is demanding payment for past personal property/excise taxes. Toyota Financial Services sent me 3 separate bills with no invoice, breakdown or justification for the amounts, only boiler plate verbiage that offers no reasonable explanation as to how they came up with the amount they claim I owe. They are demanding {$97.00}, {$98.00} and {$190.00} totaling {$380.00} and have threatened to forward to a Collection Agency. I called Toyota Financial Services to understand how they came up with each dollar amount, especially after I purchased my leased vehicle and terminated the lease in XX/XX/2022. Toyota informed me that they could not give me a justification or breakdown of each bill and that I would need to research that on my own. After complaining about the amount I owed, they suddenly demanded payment of an additional {$640.00}, again without any justification. I have not received a letter or bill for the additional {$640.00}, yet they are demanding payment for an amount I have never been notified or been given any type of notice. Again, threatening to forward to a Collection Agency regarding a bill Ive never received. Because I had the audacity to question their billing methods and reasoning behind their threatening letter, my bill now is supposedly {$1000.00}. Again, without any explanation or even a bill or notice, Toyota Financial Services is an enormous corporation that has the power to bully and extort its customers and ruin their credit history without due diligence or offering any reasonable explanation for their demands. This behavior is unconscionable and is tantamount to blackmail. Again, this feels like corporate extortion from a massive global company preying on its ( formerly loyal ) customers.
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| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX Toyota financial service XXXX XXXX XXXX, XXXX, Az XXXX To whom it may concern : I have been with the company since XXXX XXXX i have had 3 accounts with you guys all in good standing during that time, I have enjoyed our experience with Toyota financial service, greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on the above reference account before covid-19 i was an exceptional customer, hopefully the Carest Act, also i have experience a death in my immediate family I would like to reconsider removing the negative payment history from my credit report .At the time of the late payment my hours were cut short so I went from working XXXX unexpectedly. This is not to justify why the payments were late, but rather show that the late payments are not a good indicator of my actual credit worthiness. I hope the XXXX XXXX XXXX is willing to work with us on erasing these marks from my credit report.
I have been a very happy customer in the past. I hope to continue a long relationship with Toyota financial service with today 's industry being so competitive. I know how important it is to keep a good relationship.I highly recommend it to all my friends. I look forward to your reply.
Thank you in advance.
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.
15 usc 1681 section 604 A section2 : It also stated that consumer reporting agency can not furnish account without my writing instructions 15 usc 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 11/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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I bought a car from XXXX XXXX on XX/XX/2019. I added a warranty to the purchase. I told them I wanted to finance with XXXX XXXX XXXX. They said they worked with them and I could refinance later. Their finance rate is 5.99 %. XXXX XXXX XXXX 's rate is 3.69 %.
The next day I called and cancelled my warranties. There were two:1. ) Service contract for {$2300.00} and 2. ) Wheel and tire warranty {$990.00}. Total of {$3300.00}.
Then I called XXXX XXXX XXXX to refinance and they said I needed to wait for my title.
My title arrived in late XXXX So now I have waited nearly two months, while paying 5.99 % on {$3300.00} that I don't owe.
I checked my balance owing to Toyota Financial and they had not credited my account for the warranty. I called the finance manager at XXXX XXXX. I did not get a return phone call. I sent an email. No response.
Several days later I got a notice in the mail saying that the {$2300.00} had been credited, but not the {$990.00}. They said it generally takes about 2 months to credit an account, So I still couldn't refinance. I called again. I wrote 3 emails. I was told it was taken care of. I called Toyota Financial. They had not received the request from XXXX XXXX. So now I need to wait another 2 months.They said I would see the credit at the END of my loan. They are trying to get me to finance {$3200.00} for 7 years at 5.99 % THAT I DON'T OWE.
In the meantime, I am paying 5.99 % interest to Toyota on {$3300.00} that should have been credited. And I have a lock on a 3.69 % interest rate at XXXX XXXX XXXX that will expire soon. If I have to reapply to XXXX for a car loan, I will end up with the new and likely higher interest rate for 6 or 7 years because Toyota won't refund my money, something that should take fewer than 5 minutes to accomplish.
|
| 03/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
Older American, Servicemember |
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I leased a vehicle commencing in XXXX. I decided to buy the vehicle. Following my request for a payoff balance, on XX/XX/XXXX, I received a letter from XXXX regarding estimated fees and taxes for buying the vehicle outright. Later in XX/XX/XXXX, I sent XXXX a check in the amount of {$45000.00}, the exact amount that XXXX had indicated was required to complete the purchase. Shortly thereafter, XXXX sent me a billing statement of {$1600.00} due on XX/XX/XXXX. On XX/XX/XXXX, XXXX sent a letter stating that my payment of {$45000.00} was returned since Wisconsin Toyota Financial was not able to direct sell to consumers. In the meantime, another bill in the amount of {$1600.00} was sent to me. XXXX basically sat on my payment for 30 days and as a result, Toyota Financial Services reported to the credit bureaus that my payments were delinquent. Since I had already tendered payment for the vehicle to the address I had been given for payments, I was not delinquent. Nonetheless, my credit rating was being improperly decreased. In XXXX and XXXX of XXXX, I received letters from XXXX XXXX regarding receipt and confirmation of two electronic bill payments of {$830.00} each. In XX/XX/XXXX, I sent a letter to XXXX Financial Service regarding their account misinformation. I also sent multiple letters to Transunion regarding the account misinformation. On XX/XX/XXXX, XXXX sent a letter to me indicating that XXXX records are being correctly reported. I hired an attorney in XX/XX/XXXX who wrote a letter to Toyota Financial Services Lease which requested that the account be corrected to show that it was not delinquent in XXXX, payment having been tendered for the full purchase price of the vehicle. On XX/XX/XXXX, XXXX responded that they believe their records were correct, which is false.
|
| 08/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
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The company is XXXX, we bought a car back in XXXX of 2016, we were lied to by the local company in regards to the 0 % APR and they were supposed to pay sales tax but did not. With that said, they made an agreement with us to delay our first payment to XXXX XXXX ... apparently they did not share that info with the corporate office, however. SO they reported us late in XXXX after we made a payment arrangement that THEY told us the dates to do in order to not be past 30 days. So we did exactly that. Yet, we still got hit on the reporting to bureaus. I called MULTIPLE times to have this corrected, asked for conversation recording, even the girl who made the arrangement vowed for us that her and her supervisor told us what dates to make payment on. Yet, no changes were reported on our behalf-this was when I also found out that they showed our 1st payment being XXXX NOT XXXX ... it was at that point I faxed over letter showing what we were told. This year, in XXXX I called again about the XXXX thing to try and get it fixed again. The rep told me an extension agreement for XXXX and XXXX would bring everything back to correction. So I had already made a pymt in XXXX so that applied for XXXX, extension agreement made up for XXXX, I made 2 pymts in XXXX that covered for XXXX. This was all by direction of XXXX and letters from them directly. However, we get another alert saying they reported us 30 days AGAIN for XXXX.
I have argued, called, faxed, emailed, disputed and mailed everything ... and they STILL won't fix it by reporting it correctly to the bureaus. I was not 30 days late in either month and I simply want it reported correctly. It is effecting me personally, my family and our future!! It is simply wrong on so many levels. I need someone to step in and help me, please.
|
| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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On XX/XX/2022 I was in a car accident that wasnt my fault. I immediately contacted Toyota financial services the next day and told them what happened. Me and the insurance reached out to Toyota about the accident. During the process Toyota repeatedly told me to not make a payment on the account because the car was going to be deemed a total loss. Fast forward nearly two months Im hit with a late payment mark to my credit accounts. Ive been building my credit for a year and a half now. I had a XXXX credit score and never missed a payment on anything before this incident with Toyota. My score went down XXXX point despite faxing and emailing countless paper work and documents to Toyota proving that the car was deemed a total loss by XXXX XXXX nearly a month before Toyotas false missed payment claim. Ive never missed a payment with Toyota ever. XXXX and I have evidence of Toyota cashing the total loss check and not updated my account information to closed despite receiving countless documents to close the account. Toyota recently close the account last week as of XX/XX/2022 but are reporting they closed the account as of XXXX, XX/XX/XXXX. They are falsely reporting information to the credit bureaus. Ive been stressed out trying to both email and fax them the documents they were claiming they didnt received through all of XXXX and even early XXXX. I just want the credit mark to be taken off my account. Its not fair that Im being penalized for a late payment when Toyota associates told me not make a payment on the account because the car was going to be deemed a total loss. I have countless paper work and documents proving the car was issued a total loss by XXXX XXXX a month prior to their false late payment claim. This has been one the most stressful process of my life.
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| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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I've requested a Validation Of Debt under 15 USC 1692g and a request for Disclosures from Lexus Financial Services and Toyota Motor Credit due to the wrongful actions described in the letter, In fear that the wrong company and/or entity was benefiting from my intellectual property so i sent certified mail of Validation Of Debt Request, Tracking Number : XXXX which was received XX/XX/2023. As soon as it was received there was a post on my credit According to the FDCPA They CANT Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt OR Communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such.
As they have done both and posted the debt without specifying the debt as disputed while sending me a letter stating they will stop all further collections of the debt and on the other hand, posting on my credit.
It's been well over a month and I have not received any Validation Of Debt So i called the credit bureaus XXXX, XXXX, and XXXX asking for them to remove the account which they are refusing to and my guess is because they don't have the power to do so. I asked them how are they able to post without validation and they said only require confirmation from the " creditor '' and it's up to them to send It to me, when i explained they are not sending it they told me to contact you guys. I've already sent cfpb the validation of debt letter around the same time I sent it so they'd have record of it and now I am trying to get it removed since the alleged " creditor '' and/or " debt collector '' wont provide none of the information required in 15 USC 1692g XXXX
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| 12/28/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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On XXXX XX/XX/2021 I made the payment of a car which I have a lease with the Toyota financial entity for {$33000.00} but when checking the car credit it was with a settlement of {$25000.00} not including taxes until day XXXX XXXX I contacted toyota financial by phone and they told me that to buy the car I must send some documents with my signature and some information in a letter that they sent me by post to my surprise they sent me the letter with the wrong information three times.
To receive each letter, he had to wait 24 to 48 hours, that is, it took about 12 to 15 business days waiting for the corrected letter. the corrected letter was never sent. I spoke with maybe XXXX people therefore I asked my bank for a refund of my full money. Toyota advisers tell me that it was best to send a certified check with the letters, finally, I sent the letters, some corrected and others not, together with the check for a total value of {$27000.00}, which was the total including taxes to make the total payment of the debt.
The shipment was made at a certified USPS post office on XX/XX/2021 and was delivered on XX/XX/2021 now Toyota financial does not want to credit me the value of the settlement, according to what they received on XX/XX/2021 In addition, they are charging me a balance of around {$7900.00} It is important to clarify that I also spoke with an advisor who told me that I spoke with the supervisor who gave her the approval because I correctly carried out each of the steps but then the last advisor told me that he was not correct and continues to collect the balance I mentioned earlier. I can state that I am declaring under penalty of pejury of the laws of the United States that the following is true and I can send proof of each one of the things that I declare.
|
| 10/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On and off again ; From the first XXXX of the Year of XXXX to My new account t as of XX/XX/XXXX ; TOYOTA FINANCIAL SERVICES ; have been, I REPEAT AND I APOLOGIZE FOR MY TEXT LANGUAGE BUT THIS IS HOW FAR THEY HAD MAKE ME ANGRY ON HOW TO RESOLVE PAYMENT PROCESSING ISSUES ON THEIR SYSTEM ; I HAD THE WORST XXXX DISGUSTING TIMES WITH THIS HORRIBLE XXXX COMPANY AS IF I NEVER CALL THEM OR CURRENTLY HAVE PAST DUE AMOUNT DUE TO THEM NOT EVEN ATTEMPTING TO TAKE MY XXXX MONEY FROM MY XXXX BANK ACCOUNT IF I NEVER CALL AND HAD TO TALK TO OVER XXXX SUPERVISORS AND MANAGERS TO RESOLVE THIS ISSUE ; I WAS UNABLE TO GET ANY FOLLOW UP ON ANY COMPLAINTS FOR THEM TO MAKE SURE THERE WILL BE NO MORE ISSUE WITH THE PAYMENT ; ALL I SEE WAS AN ATTEMPT FOR THIS COMPANY TO REJECT ALL MY PAYMENT AFFECT MY CREDIT WITH BOMBARD THREATS AND CALL AS WELL AS NOW A POTENTIAL LAWSUIT WAIT FOR ME SINCE THEY ARE CURRENTLY REFUSING TO TAKE MY MONEY IN THE LONG RUN BUT IM STILL OWE THE LOAN ; THATS NOT FAIR AND I WONDERING WHY I HAD THIS PROBLEM WITH ALL PAYMENT ; I EVEN REQUESTED THEM TO REVIEW THEIR PHONE LOGS AFTER CLAIMS THEY WERE GOING TO DO AN INVESTIGATION ON MY ACCOUNTS ; I DONT KNOW IF THEYR ARE TRYING TO BE RASICT OR NOT BUT PLEASE GET TO THEM TO FIX THIS ISSUE AS I ALREADY HAD A THREEWAY CALL BETWEEN THEM AND BANK SEVERAL TIEM TO ADDRESS THIS ISSUE AND THIS IS STILL A XXXX PROBLEM THAT SHOWS THAT THEY ARE LEGALLY ATTEMPTING TO DAMAGE MY FINANCIAL FUTURE AND SECURITY ; PLEASE RE-READ THIS AS THIS IS MY CURRENTY STATE OF MIND WITH THIS COMPANY DUE TO THIS UNRESOLVED UNRESOLVED XXXX BELIEVABLE ISSUE IS STILL CAUSING ME PROBLEMS I ACTUALLY HAD THEM EMAIL MY COMPLAINT THIS TIME AS THEY LOST ALL DOCUMENTATION I REQUESTED WHEN I ASKED EACH REPRESENTATIVE TO REVIEW THE ACCOUNT TO ADDRESS MY ISSUES.
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| 10/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have had numerous things put on my credit in past years such as Texas attorney general for XXXX children that arent mine. Auto loans and credit accounts that were not mine either in the past. The credit agencies had the year wrong on my birthdate up til last year which they changed for me. This past Saturday I checked my XXXX XXXX app I was looking to trade in my vehicle for a new one. I was pre approved with my credit above 640 Saturday morning XX/XX/2021. When I went to purchase I told sales person I was pre approved with a few companies the dealership contacted the banks and now they wont give me credit. My credit fell almost 200 points in 2 hours? The reporting company Toyota MTR Im not sure who that is since they told me it was Toyota financial well they show an XXXX and XXXX paid but hadnt paid XXXX yet due on the XXXX. I am 6 days late and credit fell almost 200 points. Also when I purchase the vehicle I have now when I signed the contract what I signed isnt what I was getting for finance rate its much higher so I wanted to get out of that vehicle and start a new contract with new vehicle. The fraud now on my credit I cant do anything. Someone is manipulating my credit as they please and it also shows 41 hard inquiries that I didnt make I get pre approved and have only used my credit a couple times ever. No judgements dont have bankruptcy nothing. My drivers license was stolen about 2 months ago which I reported to XXXX county sheriff dept. also my XXXX XXXX app shows now that my credit dropped 16 days ago thats not true it dropped on Saturday the XX/XX/XXXX. Also have a collections that was removed and now has reappeared that is not mine. Thats over XXXX dollars. I hope this is enough information. My email is XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX
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| 05/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
1. In XX/XX/XXXXmy then wife jointly financed aXX/XX/XXXX Toyota RAV 4 with TFS account number XXXX.
2. Her and I were divorced in XX/XX/XXXX. As ordered in the divorce decree she was awarded theXX/XX/XXXX RAV 4. The divorce decree states that she ( the Defendant ) shall assume, pay, defend, indemnify, and hold the Plaintiff ( me ) harmless from the following obligations : para 3. Toyota Financial Services Loan number ending in XXXX which is secured by the XX/XX/XXXXToyota RAV 4.
The additional orders section of our decree required both parties in the divorce to transfer titles for property divided by the decree to the party granted the interest. In the case of the RAV 4, my ex spouse, the defendant, failed to execute the transfer of the title and loan of the RAV 4 to her and to remove me from title and loan. This section also requires private parties to accept this decree as proof of transfer of the title and interest. In this case theXX/XX/XXXX RAV 4.
3. Sometime between XX/XX/XXXXandXX/XX/XXXX, she became delinquent on the loan and there is now a mark on my credit file that identifies me as being 30-59 days late on a payment for that loan in XX/XX/XXXX. My credit files from XXXX and XXXX both have a red X on this loans payment history for XX/XX/XXXXand state : Worst payment status : 30-59 Days Late Times 30/60/90 days late : 1/0/0 Closed :XX/XX/XXXX 4. I am requesting that Toyota Financial Services remove the derogatory comment/mark from my credit files, and correct my file with all credit agencies based on the fact that she was in violation of a legal court order stated in the divorce decree to pay and hold me harmless from the financial obligation tied to the XX/XX/XXXX RAV 4. She failed to comply with that order resulting in me being harmed.
|
| 09/22/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
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Web |
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This is the last and final time I try to remedy this situation, or I would like to take legal action in civil court for defamation of character. creditor is in noncompliance with the FDCPA & FCRA By continuing to report false, inaccurate, unverifiable Items on my credit report creditor has not responded to my last five letters but states a response was sent. through my CFPB complaint they sent copy their response which are clearly inaccurate and incorrect. I have never received any response because creditor has inaccurate billing address on file. If any Investigation took place it is clearly inaccurate, how can you verify invalidate in item that does not match my state identification card. the fair credit reporting act states creditor must be able to provide original copies of contract bear in my wet signature, creditor states copy of contract were sent and that is a lie. Creditor sent all copies in there CFPB response and no such copies appear in the response given. No consumer contract with my wet signature was provided as the creditor stated, nor is billing address balance CORRECT OR CONNECTED TO ME, payment history is incorrect AND IN ACCURATE ON ALL CRA 'S. XXXX HAS A PERFECT PAYMENT HISTORY AND AT THE SAME TIME XXXX IS REPORTING A COLLECTION WHILE XXXX AND ZERO KNOWLEDGE OF THIS ACCOUNT.This creditor also states I made a recent payment of {$6.00}, false and against the law. If any payment was made, then Please provide copies of transaction statement that clearly shows I made a {$6.00} payment. if this negative reporting continues on my report, I am going to take legal suit against Toyota and the cfpb for allowing this to continue. Creditor is reporting incorrect accounts to addresses I DO NOT LIVE AT NOR IS THE ADDRESS ON MY STATE ISSUED ID.
|
| 02/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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Web |
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I XXXX XXXX and my wife bought a XXXX XXXX, he the dealer XXXX XXXX XXXX XXXX and we had a bad situation with some legal things which violated our rights as a consumer.
We sent the application online and thus receive some of the discounts and specials, and the interest of the promotion, Then we had an appointment with the seller to buy the car, which we did in about two days.
The offer was about XXXX to XXXX dollars a month and an initial payment of {$3000.00} dollars, and the financing on behalf of my wife, after we went to the dealer they told us that they had to have, more income, which then XXXX XXXX was added Then they said we had to put XXXX dollars, which we paid, when they came with the approval, they gave us a 13 % interest paying {$980.00} dollars a month to 84 months, so I XXXX XXXX asked to speak with Toyota Finance and the manager He refused and said that I could not talk to the bank, I told him that because, as a consumer, I have the right to talk to the bank and fight that interest ... because the manager said no and I could not talk to Toyota Finance.
I asked him to do a lease and they told me that they could not, and thus have a lower paid, and they refused.
They did NOT give me the promotions and interest they currently have on the dealer 's website at 2.9 % APR for 72 months. They did not give me, they did not give me the XXXX XXXX XXXX Cash Offer of {$750.00} cash back.
I think they did everything wrong here, just we pay {$980.00} to 13 % and for 84 months, it is an abuse of the manager and the toyota. In addition to behavior the unethical manager on some occasion.
I want a lower interest as the promotion says, and the cash back offer of {$750.00}. And I ask for a contract review to be restructured with a new term.
|
| 02/19/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
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Web |
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For some unknown reason, Toyota Financial services canceled my online payment account. They were never able to explain why, but admitted it was their fault. I had been making online payments for years, but suddenly, I could n't, and was told that I could not reopen the account. This was in XX/XX/2016. One agent told me I could pay over the phone, using XXXX XXXX. I did. The same happened for XX/XX/XXXX : I paid over the phone. In XX/XX/XXXX, I took the time to try to get to the bottom of the problem because it was inconvenient. I was told I had XXXX accounts. I spoke to many representatives, often being on hold for long periods of time, only to be disconnected and have to tell this rather involved account all over.
I found out that the payments I made over the phone had disappeared, and no one could tell me what happened. They informed me that I would have to go to my bank and get a merchant report to show that the money was indeed taken out, something my credit union never heard of. I spent countless hours on the phone and running around. I was told that because it was their fault, it had not been reported to a credit agency. I found out yesterday that it had. Even though they finally sent letters saying it was resolved, it has not been. Just yesterday, I was told that my account was past due again. It was n't and had not been.
I was harassed on my job and tried to clear it up, but soon after that lengthy call, another representative called me at work to tell me my car was about to be repossessed. Each time that a representative could see from the account that I was indeed telling the truth, I was told that it had not been reported to a credit agency, but that was a lie. I have all of my receipts that demonstrate when the payments were made.
|
| 05/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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On XX/XX/XXXX a loan was obtained from Toyota Financial Services for a XXXX Toyota XXXX XXXX. On XX/XX/XXXX, a notice of acceptance, along with the XXXX XXXX XXXX XXXX for final settlement and discharge of the debt in the amount of {$46000.00} was sent to Toyota Financial Services Attn : loan department, Registered Mail with return receipt.There was no response from the company. On XX/XX/XXXX, a notice of default and opportunity to cure was mailed to Toyota Financial Services attn : loan Department and got delayed by the USPS. On XX/XX/XXXX, copies of the first ( 1st ) and second ( 2nd ) mailings was sent to the CEO of Toyota Motors XXXX XXXX and copies of the same mailings was sent to Toyota Financial Services attn : loan department. With no response. On XX/XX/XXXX, another notice of Fault and Opportunity to Cure was sent to the CEO of Toyota Motors XXXX XXXX. No response. On XX/XX/XXXX, another notice of Fault and Opportunity to Cure was sent to Toyota Financial Services, attn : Loan Department. No response. On XX/XX/XXXX a notice of Default was sent to Toyota Financial Services. No response. Toyota Financial Services along with CEO of Toyota Motors XXXX XXXX have accepted my Instrument, never returned it and using it to trade. I have obtained the CUSIP NO : from the account. I signed the original contract, without recourse. Toyota Financial Services, along with the CEO of Toyota Motors XXXX XXXX have not sent the Title to the XXXX Toyota XXXX Runner, they have not set the record straight with DMV, they have not settled this account, they have not discharged this debt and sent me the notification of the settled account. Toyota Financial Services have sent a delinquent report to the Credit Bureau harming my Credit Report and Credit Score.
|
| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Older American, Servicemember |
|
I financed a car with Toyota finance for {$28000.00}, All payments were made on time. Car had XXXX XXXX XXXX and Toyota finance was co-insured on the policy. Car was totalled on XX/XX/XXXX. XXXX XXXX advised Toyota that the insurance was in force and Toyota sent the case to their total loss unit. Because of Covid-19 all of the toyota and XXXX XXXX people were working from home or part time and it took a few months for XXXX XXXX to issue payoff check to Toyota. On XX/XX/XXXX XXXX XXXX filed a chapter XXXX business bankruptcy. On the filing lawyers for toyota immediately file a proof of claim even though Toyota had already agreed to have loan paid by XXXX XXXX as a total loss. In XX/XX/XXXX the Toyota remaining balance was paid in full by XXXX XXXX. In XX/XX/XXXX Toyota withdrew their claim. The bankruptcy was voluntarily dismissed-no creditors claims were discharged. the Credit report continues to show " involved in Bankruptcy '' even though bankruptcy was dismissed without any order of relief or adjudication. 15 USCS sec 1681c bars disclosure of a bankruptcy case except from date of entry of order of relief or adjudication. the Toyota XXXX, XXXX XXXX report is false in that it claims the " account included in a chapter XXXX consumer bankruptcy. " This is a false statement for 2 reasons ( 1 ) before the bankruptcy XXXX XXXX had already agreed to pay Toyota the claim as a total loss, which was legal and binding because Toyota was an additional insured and therefore a direct beneficiary of the State farm insurance, and ( 2 ) no report of a bankruptcy case is allowed that is dismissed because there is no start date possible for the ten year reporting period because dismissal means you can not have either an order of relief or an adjudication.
|
| 11/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
As it is VERY clear to see, ALL of my accounts are in good standing, paid off/never late, paid in full etc etc and then theres this vehicle that has been on here that I havent known what to do with. Every time I call Toyota Motor Credit, they are rude, unhelpful, and ask for the social security of the accountholder. Since it isnt me, they treat it like XXXX XXXX. So how am I supposed to even know whats going on when they wont comply? I own, operate and pay for ONE vehicle. I have NEVER lived at the address associated with the creditors account -- which states on my credit it was reported by them -- and I am sick of seeing this information on my credit. I dont care how it gets removed it just needs to or they need to be more open about their communication with me. Ive called multiple times with no resolution because theyve simply made it not their problem but what IS a problem is having this under my name and on my credit. And because I dont have the right social security number, there is no information I have been given, which has led me to dispute. Do you all need bank statements, my XXXX file,.?? What is it? I cant even protect myself because Im given no option?! This is literally outrageous and Im very close to suing them. If its mine and certified then why can I make no changes, be removed, get access to the account when I call to start, any of those things?? Is this car parked outside my house? Do I have even a copy of a key? Have I ever driven this vehicle or made any payments on it?? When it makes sense I cant say anything, but this is making ZERO. The answer to every question here is no and Im not standing for that.
I dont pay late, in fact I pay early. I dont have ANY other accounts that are suffering, so how is this adding up?
|
| 10/27/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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I leased a vehicle from Toyota in XXXX. In XXXX the vehicle was shot while sitting in my driveway. The damage was small, but I filed a police report and opened a claim with my insurance company. In XXXX, I was told by the XXXX registered lease turn-in inspector that the damage was too slight to qualify as excess wear & tear, but I kept the insurance claim open just in case. I turned in my lease, fully paid, in XXXX. In later XXXX I received a bill from Toyota for excess wear & tear due to damage from the gunshot. I called Toyota and my insurance company. I was assured by my insurance company that they would take care of it, and Toyota was well aware that I was not responsible for the payment. However, in XXXX I received a collections letter threatening litigation on behalf of Toyota for the same bill. I wrote the collections company a letter and immediately contacted an agent at my insurance company. I was told they were still working to resolve the claim, and they apologized that I had been contacted by a collections company. I eventually had to conduct a three-way call between my insurance company and the collections company in order to authorize the collections company on behalf of Toyota settle the matter with my insurance company. After it was resolved I spoke to Toyota and was assured that this would not have any impact on my credit, and Toyota apologized for placing the bill in collections in the first place. Nearly 2 years later while applying for a loan I discovered that I had a Toyota account reported to the credit bureaus as a collection, which lowered my credit score by over 100 points, and disqualified me from loans. This account never should have been marked as a collection, and never reported to the credit bureaus as such.
|
| 11/05/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
My lease with Toyota Financial Services was up so my husband and I decided to lease another vehicle with Toyota. My husband ONLY had filed for bankruptcy chapter XXXX but the lease was Not included in it. At the end we received a bill for over {$800.00} for excessive damage I knew theses charges could not be legitimate as this vehicle was barley used and we were way under the allowed amount of miles. I called them on XX/XX/19 to dispute the charges. The first person was telling me that she didnt see any bill and I didnt owe anything. I kept pushing and telling her to check with someone else because I had the bill in my hand. Then she hung up on me. I called again and spoke to someone else and he found the information and had the so called evidence reviewed. They dropped the charges down to {$150.00} and advised I would receive an updated bill in the mail within 5-7 business days. I waited and had not received the bill so again I called on XX/XX/19 and this time was told that they could not send me a bill because my husband had a bankruptcy on his account. I questioned them stating if that was he case why did they send me a $ 800+ bill in the 1st place. The agent tried to tell me they never sent me a bill. At that point I asked for a manager and I was placed on hold for over 30 minutes only for the agent to come back on the line to tell me there was no manager available. He insisted a manger would call me back. It is now XX/XX/XXXX and yet NO one has called me back. I just want to pay my final amount due but want the document showing the amount so that I can have a record of it. I have wasted over 3 hours on the phone for absolutely no resolution. I called again today XX/XX/XXXX and just keep getting transferred around and no resolution.
|
| 11/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX has been allowing Toyota financial to report false information on my report without a proper investigation for years. Toyota financial illegally repossessed my vehicle XX/XX/XXXX. I stopped paying XX/XX/XXXX after requesting verification of my balance. Which they would not supply to me. Toyota has falsely and knowingly reported information on my credit report for years. When I dispute Toyota will change a number ex XX/XX/XXXX 120 days late to 160 days late and XXXX says its valid. Toyota has opened and closed the account many time. Most recently changing it to closed XX/XX/XXXX dropping my score 40 pts. XXXX has always stated this a valid and verified according to the fair credit reporting act. This account has been closed for years. Toyota once reported to XXXX that I owed {$2300.00}, changed the date opened and that was validated by experian for months until I spoke to the attorney general in ma. I just want valid and verified information reported on my reported. I have tried to get answers about how my disputed information was verified without answers. This should be illegal but it seems as long as Toyota or whoever else just changes a number when info is disputed the credit agencies state its valid without any type of actual verification. This has been happening to me with Toyota and the CRAs for years. Do I really need to get a lawyer because these companies can report whatever they like while the CRAs verify whatever is reported without any type of information. This needs to stop and it needs to stop now. Im tired of being told false information about me is valid and theres nothing I can do about it. Now I cant dispute that my 10 year old account was closed 2 weeks ago because I already disputed and it was deemed valid.
|
| 05/07/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
Servicemember |
|
I 'm an XXXX. I purchased a brand new 2014 XXXX XXXX from a dealership on XXXX 2014. I did not know I was getting tricked into signing a contract for 73 months for a monthly payment of XXXX which Equals XXXX plus a down payment of XXXX that I had upfront during the purchase of the car which adds up to XXXX. My car is in excellent condition and only has about XXXX miles on it. The blue XXXX worth is XXXX and at the dealership the sticker price was XXXX. I have paid all my payments every month. I spoke to a finicial counseler and made it clear I was taken advantage of simply because I was a XXXX. The dealership even knew how much I made as an XXXX. I will be paying over XXXX when I 'm done paying this car. I have a family of XXXX that I need to support and this unfair and unjust. I did n't knew what I was going to pay over XXXX what the vehicle is worth. They never explained none of the APR % or how much I 'd end up losing and I fell really taken advantage off. I 've been XXXX for over 5 years, executed XXXX in order for businesses to sell their product in our great crountry. When I return home I get taken advantage of with no mercy. If this has been done to me I wonder how many other service and non service members they have gotten. I wish for my payment to be lower as well as the total of the vehicle. The dealers sales men never shared the information of the deal they made with the finiacial company that gave the loan nor explained why I had to pay XXXX for 73 months. I want to dispute this. This always happens simply because I am a XXXX member, and I live near a base so all these businesses set up and sell their products advertising " we do military finiance '' they reel us in like fishes. This is an outrage. Will you be able to help?
|
| 04/09/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a letter dated XX/XX/XXXX from XXXX. to collect a debt from Toyota Motor Credit on a XXXX. The XXXX account number ended in XXXX for client account number ending in XXXX. The payoff amount was {$10000.00} for a car that my ex-husband had retained in the divorce and had eventually been repossessed. This was a debt that I did owe because I was on the car loan as well.
I contacted XXXX and settled this debt on XX/XX/XXXX with XXXX at XXXX for {$6300.00}. I have the confirmation letter dated XX/XX/XXXX from XXXX. stating these terms and the letter dated XX/XX/XXXX from XXXX stating the debt had been released. It reads " As per your request, we wish to advise you that your account with the above referenced client has been satisfied. On behalf of TOYOTA MOTOR CREDIT and XXXX., thank you for satisfying your account as agreed. This is a communication from a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. '' Everything was good until I received a letter from XXXX . postage stamped XX/XX/XXXX and dated XX/XX/XXXX trying to collect on the remaining debt that had already been settled through SRA Associates , Inc . This letter is for XXXX # ending in XXXX on the same XXXX with an account balance of {$4000.00}. Now, if you are following along you would know that the beginning debt balance of {$10.00}, XXXX minus the settlement amount of {$6300.00} ( that Toyota settled with me through XXXX . and released me from the remainder of the debt ) equals {$4000.00}. Toyota has pushed my account out to ANOTHER agency to settle the remainder of a debt that they have ALREADY released me from. This is a violation of FDCPA. They are not allowed to collect on a debt that has already been settled.
|
| 09/19/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I was contacted via phone a few months ago by Toyota Financial Services and was told I owed over {$1000.00}, not including the usual monthly payment. When I asked what the additional money was for the representative was n't able to tell me, just that I had to pay the amount.
When I asked to speak with a manager he was n't able to get a manager for me. I asked if he could just email me the information since I already get all of my bills online anyways but he said the company does n't allow that.
I 've since been getting harassing calls to the point I 've had to block the numbers that Toyota uses because they do n't leave voicemail 's stating who they are or why they 're calling, apparently that 's also against their policies. So I will sometimes get 5+ calls a day from a random number that never leaves a voicemail.
I found out that the extra charge was for a personal property tax but I also found out that I 'm being charged an additional {$830.00} for a past due payment amount.
I sent the following to Toyota in an email asking for clarification but they refused to reply to my email.
" I have been making over the minimum payment to pay towards the " Personal Property Tax '' that I am being charged. My statement is now showing that I owe {$3000.00} and that my " PPT '' has gone from {$310.00} last statement to {$1300.00} this statement. Also, what are these monthly {$840.00} " past due payment amounts '' I 'm being charged? This month it is {$830.00} and last month it was {$860.00}, but the previous two months it was {$840.00}. Please email regarding this because I do not answer phone numbers I do n't recognize and I also require a record of all conversations between Toyota Financial Services and myself for legal purposes. ''
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this.
Toyota Financial Services XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this.
XXXX XXXX XXXXXXXX XX/XX/XXXX Looking to refinance but my credit was pulled without my permission. I went to pre approval and it didnt say it would give me a hard inquiry on my credit report..
XXXX XXXX XXXX ( Finance ) XX/XX/XXXX I dont not recognize this on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XXXX XXXX ( Finance ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
|
| 04/13/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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I leased a vehicle from PRIORITY TOYOTA in XXXX XXXX when I lived in that state in XX/XX/2015. When I originally got the vehicle they told me that my payment amount would be XXXX and some change. At that same time my ex leased a vehicle also and needed a cosigner and they had asked me to co sign on the loan for him. At that time I was only making about 28000 a year and somehow I was approved for 2 auto loans equaling out to over 50k? With that being said I remember the dealership acting kind of off about my income and I think they falsified my information. Anyways, I was making the payments on my vehicle and I decided to move back to XXXX where I am from because things did not work out with my ex and I. within 2 months my payment raised to XXXX and I was not notified about it at all. When they did that I had not found a job yet and so I got a little behind on payments but when I did finally find a job I went back to making the standard XXXX. payment because that's what I thought it was the whole time and now almost 2 years later I have been playing catch-up with them because they raised my payment, keep charging me fees, and there's some miscellaneous fees on there totaling over 300 dollars. Also, within this time my ex decided not to make payments on his vehicle so I now have that on my credit report as a charged off because of the whole situation. I have called TOYOTA FINANCIAL several times to try and resolve this and they were just rude and blew it off. I now have a XXXX month old baby and am a single mom and my car payment and me trying to catch up is just WAYYYY to much for me. So I am hoping with filing this complaint SOMETHING can get resolved because I feel like that dealership completely took advantage of a young girl.
|
| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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RE : Unauthorized Accounts/Inquires To Whom It May Concern : I recently reviewed my credit report and found unauthorized Accounts/Inquiries that are attached to this letter.
I disputed these accounts on XXXX they came off due to violations listed on the bottom of this page. I would like to see the same for XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card Services I have these three negative accounts on all three credit Bureaus. I've disputed an account from Toyota motor services & two accounts from XXXX XXXX
XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) I have inquiries from on my credit report that did NOT get my written instructions & I have the right to privacy and confidentiality under 15 USC 1681.
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account # XXXX ; has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
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| 03/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
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Web |
|
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I visited a Toyota car dealership in XXXX XXXX, XXXX called Toyota XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX ) on XX/XX/2022 and saw a XXXX XXXX I've contacted them again in about XXXX days and they told me the car I saw was already sold. They told me that if I want the car I'd have to come and make a deposit so I get the car in the next shipment.
So I've visited them again on XX/XX/2022 and paid a {$5000.00} deposit and signed couple of papers for the car. I've been told that the car would arrive XXXX XX/XX/XXXX ( " in XXXX days max '' was the exact words by the salesman ) the latest. I've followed up with them almost everyday until XX/XX/XXXX, the same answer I get was " it should be on the truck arriving today ''.
One thing I forgot to mention was that the VIN number put on the initial contract is different than the actual VIN number of the car I was supposed to get. When I said that to the salesman he said " Oh we will have to redo some paperwork to fix it don't worry ''! So I was sold a car that didn't even exist!
On XXXX XX/XX/2022. I went to them and told them I don't want the car since they have been so irresponsible with the paperwork and the promised delivery time. They told me OK and they took my debit card ( the same card I paid the {$5000.00} with ) to accounting office and then gave it back to me and told me your refund should be issued in around XXXX to XXXX business days.
Now I'm writing this on XX/XX/2022, little over a month from the day I was told that the refund will be issued, and still I haven't received my refund. I've contacted them thousands time and I always get ditched.
And to make things worse, I see a car loan with XXXX XXXXXXXX XXXX in my name for a car I didn't even purchase!
|
| 08/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My complaint is against Toyota Financial Services ( Toyota Motor Credits ).
I have submitted many disputes with XXXX to investigate Toyota who continues to report the wrong information fraudulently on my credit report.
1- this is a car loan with the first delinquency was in XXXX XXXXXXXX however Toyota keeps reporting this account every month as a charge off with different " 1st delinquency dates '' ( please see attached reports with Toyota showing XXXX XXXX and XX/XX/XXXX as 1st delinquency dates ). Toyota also shows that the last payment I made was in XX/XX/XXXX, but I was serving time in XXXX XXXX since XXXX and no payments were made at all in late XXXX and XXXX. Toyota reports the wrong dates in an attempt to keep the account on the credit report for as long as they could.
2- Toyota intentionally report their wrong phone numbers or no contact information at all on the credit reports so that no one can reach them. ( please see attachments showing that Toyota have 2 different phone numbers that are not valid and some reports they have no contact information at all or partial address ).
3- After many attempts trying to reach Toyota financials to discuss this issue, I was informed by Toyota that they do not own this account anymore and that now it's with a collection agency, but yet Toyota continues to claim that this is their account and continues to report my account fraudulently as charge off every month to XXXX XXXX
4- Toyota fraudulently placed a temp freeze on my credit report account so that it keeps this account on the credit report. ( please see attached file ).
4- XXXX relies on Toyota to update my account, but XXXX never investigated Toyota to make sure that Toyota is reporting the correct information.
|
| 01/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I disputed this account with Toyota on XX/XX/2019 via certified mail. In the dispute I called out under the provisions of FCRA 623 ( a ) ( 8 ) ( D ) - stating that the accuracy of the information that Toyota is reporting is inaccurate and does not align across all the 3 credit bureaus. I asked for an investigation and asked for EVIDENTIARY DOCUMENTATION that substantiates the information they are reporting to the credit bureaus on my file.
dated XX/XX/2019 I received a response from Toyota stating that the account was being reported correctly. clearly not even looking at the documents and proof that I have submitted with the dispute. Nor did they provide me with the documentation I requested showing that the info being reported in accurate or any documentation bearing my signature there are still multiple discrepancies being reported differently across the 3 credit bureaus ; including date account opened, date of 1st delinquency, date of last payment, repossession reporting and multiple late reportings that I have mentioned in the previous dispute. attached is the copy of my credit reports to prove again.
This is my last goodwill attempt to have this matter cleared up by Toyota. The item being reported is entirely inaccurate and incomplete and represents a serious matter in the way this company is reporting.
I am formally requesting again, ALL EVIDENTIARY DOCUMENTATION that proves what you are reporting on my credit file.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the FCRA, along with corresponding local state laws. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
|
| 03/16/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American, Servicemember |
|
I began calling the company several times in the weeks leading up to the end of the lease. I requested a payoff amount so that I could purchase the car outright. I was told that I would receive the information in the mail. It took at least 10 calls to get someone to give me even a ballpark figure to pay the car off. I finally could not wait any longer, as my lease was expiring at the end of XXXX, so I sent a check for around {$17000.00}, a figure I came to based on payments through the years. This meant that I paid over {$30000.00} total for a car whose value is around {$16000.00}. Yet the only thing I received was telephone calls from XXXX of XXXX telling me that, since I was a " loyal '' customer, I could turn the car in and get another leased car. This was not what I wanted. I never received any kind of receipt for the {$17000.00}, but the calls from XXXX of XXXX did stop at my request. Since then, I have called Toyota Financial and have been told that documentation for my payoff were sent to me, XXXX at the wrong address ) but were returned to them. They said it is against their policy to send them again, even though they have my correct address. It is the same address I have been using to pay them every month.
I NEED the documentation that the car was paid off in order to change the title from XXXX of XXXX being the owner of the car.
The last time I called, I talked to someone on XX/XX/XXXX, and told her to please send me the documentation that my car was paid off, the DMV was notified, and that all fees were paid in order for me to own the car. She did not speak enough English and the telephone connection was very bad, so she hung up before giving me any indication that the documentation would be sent to me.
|
| 05/31/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
for the past 2 years I constantly received phone calls from a company XXXX XXXX XXXX XXXX claiming I owe Toyota {$31000.00}.
I actually was/did have a dispute with Toyota about a loan which was only {$14000.00} as you can see it's reporting on my credit reports as a write-off ( I'm still busy disputing it with toyota, as it was a result of a accident and my insurance didn't pay the full about.
FACTS!
1 ) Toyota told me clearly they will not send it to collections, and it was very upsetting when they charged it off and they mailed me a XXXX.
2 ) Whatever the case, the amount in dispute was {$14000.00}, as you'll see from a copy of my credit reports I'll attach here.
however, this so called licensed debt collector called and harassed me that I owe toyota {$29000.00}, and told me on every phone call ( I wish I would of recorded it ) " WE WILL GET A JUDGEMENT AGAINST YOU AND MAKE SURE TO EMPTY ALL YOUR BANK ACCOUNTS!! '' the last 6 month I simply began ignoring them, which I was dealing myself with Toyota.
Yesterday I though I'm going to have a heart attach, I see a Debit of {$75000.00} out from my bank account. I called my bank and they told me it's from this firm XXXX XXXX XXXX XXXX which was the plaintiff for Toyota.
How can such a thing happen, and how can they get away with this!!
# 1 there's no judgement # 2 if there is a judgement, why am I not aware of it?
# 3 if there's a Jugdement why wasn't I served?
# 4 how in the world did they come up with {$75000.00}? I can buy 5 cards with that month. Even I defaulted on 5 cars it wouldn't be {$75000.00} WE MUST STOP THIS CORRUPTION!!
now XXXX put a hold on my entire bank account, and closed my 2 credit cards, because XXXX suspected it's fraud!!!
|
| 03/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Attempted to make a one time payment to XXXX ( Toyota financial ) on XX/XX/XXXX. Payment was due XX/XX/XXXX. Was notified on XX/XX/XXXX that payment had not processed due to app error and they were working on fixing it. Scheduled a payment to be processed on XX/XX/XXXX for both XXXX and XXXX so ensure my bank account would not be over drawn. XX/XX/XXXX was notified by my personal bank and XXXX XXXX that my account was delinquent with a 30 days past due and my credit score has dropped nearly XXXX points. I have contacted XXXX about this several times in attempt to fix the problem while acknowledging that I was 30 days past I wouldnt not have been late if it hadnt of been for the app problems. At least three representatives have said they are aware that the app is post dating payments made which in turn is causing lots of accounts to have the same issue I am having. I have worked so hard to get my credit to where it was and to be able to afford things like a XXXX dollar a month car payment. I have had nothing but problems with this company for the 13 months my husband and I have worked with them and I am extremely disappointed in how they handle customer complaints and the fact that they know they are having computer issues and are not notifying customers of these problems.
In both the app and XXXX website I am not able to see all of my transactions. There isnt a way to see dates payments were made or scheduled and its not possible to see receipts for my record.
As well as making sure when its requested to make a due date change its done in a reasonable time. I was charged month after month for late fees from XX/XX/XXXX until XX/XX/XXXX when a manager finally did the change her self for a 12 day date change.
|
| 09/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was not agreed to lease the car, I trade a XXXX paid in full to purchase a new car XXXX but after the next day the finance Agent stated that I have a low score car dealership ( without no prove of it ) and no bank qualified me for a loan therefore, I have to lease the car with their company such is Lexus/Toyota financial services. It's fraud, why? the car was pick up cross off the street in pre-owned XXXX XXXX at XXXX XXXX, XXXX Florida to damage me intentionally. And, i believe my score was great for paying two cars loan successfully with the same bank. Lexus financial service refused to charged Lexus for the car loan or refund me my expensive, Toyota wanted to be responsible of the loan. It's unfair because I have rights. Florida recognizes two separate theories of recovery for damage occurring as a result of misrepresentation. One basis of recovery is for intentional misrepresentation ( technically, fraud is intentional ) and the other is for negligent misrepresentation. In other words, under Florida law, a party may be liable for misrepresenting a material fact even if the misrepresentation was a mistake, instead of intentional. Florida also seems to recognize a legal theory for " false information negligently supplied for the guidance of others, '' although it is unclear whether it is a claim that is truly separate and distinct from negligent misrepresentation.
Under Florida Lemon Law Statutes. F.S.A. 686115. agreement is void and under Federal Trade Commission XXXX Fraudulent misrepresentation, it is a violation for Defendant or Defendant financial institution to tried to collect money or cause Plaintiff more damages in the credit report agencies to stop further credit availability. That will be a shame
|
| 02/25/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
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I leased a XXXX XXXX XXXX from XXXX of XXXX in XX/XX/XXXX. I purchased a Mechanical Protection Plan that provided {$5000.00} worth of insurance for damages to the car. I had called XXXX of XXXX and was told that this should be used at the end of the lease. My lease maturity date was XX/XX/XXXX. In XX/XX/XXXX, I realized that the expiration date to the insurance I had paid for over the past 3 years was expiring XXXX due to a mistake by XXXX of XXXX. Looking back through my paperwork, there were two items I signed for the insurance, one with the wrong expiration date, one with the right. They had messed up the initial form, but never sent the correct one to XXXX. Upon calling XXXX of XXXX in XX/XX/XXXX, they said that I should be okay as I had 60 days after the expiration date to make a claim and I would receive my final bill shortly after turning in the car. However, I had to call Toyota Financial Services multiple times starting in late XX/XX/XXXX and through late XX/XX/XXXX due to not receiving a bill. I finally received a bill today ( there is proof through the XXXX daily email my wife receives indicating what is delivered to our house daily that this was the first thing received from Toyota Financial in the month of XX/XX/XXXX or XX/XX/XXXX ). The due date was XX/XX/XXXX ( yesterday ) and upon calling they claimed that the bill was sent on XX/XX/XXXX and they won't extend my due date. However, I had called countless times in XX/XX/XXXX due to not receiving the initial bill they claimed was mailed to me and they confirmed this was in their notes. The letter I received was dated XX/XX/XXXX and they still refused to update the due date even though I had asked repeatedly for their help with not receiving a bill.
|
| 07/06/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
We purchased a Lexus in XX/XX/XXXX with XXXX miles allowed on a 2 year lease. XX/XX/XXXX, my family encountered a hardship which we realized that we would need to use the car more than anticipated. We walked into the Lexus dealership and spoke with a financial rep. We explained our situation and asked if it would be possible to purchase extra miles or negotiate the contract. The rep told us that it will be possible to purchase more milage and to continue driving the car. So we drove the car and are now at XXXX miles. I called Lexus financial and was advised that buying milage was not possible and that there is nothing they can do to help. I attempted to speak to a supervisor and was hung up on 3 times attempting to be transferred. The last rep stated that they have been having trouble with their phone lines and the last rep XXXX had notated that the line had hung up. I am still waiting for a supervisor to call back. I understand we had a contract but we would have never gone over our miles if we had known that buying milage was not an option. I keep telling Lexus that I want to buy another Lexus and would like them to work with us with the overage on the milage. All they say is that we do n't have the capability to negotiate anything. I cant believe how they treat their loyal customers. I really want to purchase another Lexus since my lease is up in XX/XX/XXXX but if were being lied to about our options and playing the he said she said game then i will never step foot into another Lexus dealership. This is fraud and misrepresentation. Please help us negotiate our overage, I am a XXXX and do not have the money to afford what has happened. I am willing to pay half and get this nightmare over with. Please help me.
|
| 07/11/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I financed a XXXX XXXX XXXX XXXX for my job back in XXXX. Within 6 or 8 months, I was struggling to keep up with my notes and insurance. The vehicle was in mine and my grandmother 's name, she co-signed for me to get the vehicle. When I could no longer keep up with my notes, me and my grandmother both went up to the dealership to return the vehicle. They informed me that by doing that, I will not owe anything on the vehicle. We all signed papers, I left my vehicle at the dealership, and it was forgotten. 6 months later, I had a different vehicle. When I tried to put insurance on it, I was told I had a flag on my license for not having insurance on the XXXX XXXX XXXX XXXX, the vehicle I turned in 6 months ago. I immediately went to the dealership to resolve my issue, and they informed me that they shred all of their documents and they had no proof that I even turned in the vehicle, and I no longer had the paper either. Turns out, they kept my car in their parking lot for months before turning it over to the finance company, and I had no idea. I was eventually able to get the manager of Toyota to hand write me a letter saying that I willingly surrendered the car on a specific date in order to have the flag removed from my license. Recently, in XX/XX/XXXX I disputed this account on my XX/XX/XXXX credit report. They were unable to provide documentation to XX/XX/XXXX, and the account was removed by that bureau. It remains on my XX/XX/XXXX and XX/XX/XXXX reports, and it is preventing me from being able to do anything with my credit. I can't be approved for a mortgage or a new car loan. I need this account removed from my other reports as quickly as possible. The account number is XXXX from Toyota Motor Credit Corp.
|
| 10/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I had purchased a vehicle with XXXX XXXX Toyota on XXXX XXXX. The sales agent was XXXX XXXX. I purchased the vehicle with a gold level vehicle service agreement where toyota would do a XXXX oil change and fix any engine and transmission problem with the vehicle like an insurance policy. I moved from XXXX to XXXX after doing XXXX oil change and contacted XXXX Toyota that I would need to cancel the service agreement because I no longer lived in XXXX. I was advised that I would need to send a signed letter agreeing to terminate the service. I went to the dealer ( XXXX XXXX Toyota ) and handed over the signed letter to XXXX XXXX XXXX. The sales rep told me that I will not be refunded the balance but any refund amount will be applied to the principle and there would be no changes to the monthly payment amount. The total refund was calculated to be {$2400.00} was told that it will be applied to principle balance on XXXX XXXX.
However, this refund was never applied to the original balance. I contacted Toyota on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX but this payment was never applied. I contacted XXXX Toyota and the dealer claimed that they never received the letter of cancellation and the policy was already expired and there will be no refund. I did n't pay rest of the balance which at the time was {$1900.00}.
I had no avenue to resolution. I re-contacted Toyota Financial on XXXX XXXX and they advised me that Dealer are independent to Toyota Financial and they are unable to contact the dealer on my behalf. I contacted XXXX Toyota again and they advised me that there is nothing they can do about this.
I ended up doing a settlement on this account because the refund from XXXX Toyota was never processed.
|
| 06/12/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I transferred my lease in XXXX XXXX from my name to another 3rd party. We finalized the paperwork on XXXX / XXXX / XXXX and mailed to XXXX XXXX XXXX , the guarantor on the lease. I received a letter from XXXX dated XXXX / XXXX / XXXX stating that I was financially clear of the vehicle. I then gave the car to the other party. I recently learned that they have been hitting my credit with derogatory marks for missing the XXXX payment, although I received the letter from the company saying I had no further financial obligation ( I have attached copies of the letter, lease transfer, and a copy of 1 of the 2 credit reports that indicate 30 days past due for XXXX ). I then tried to log in online to view my account, which I could not do, " no active account ''. When I called in, they could not see the vehicle had even ever been leased to me, nor could they see any delinquency on my account. When requesting a follow up and an inquiry through their call center on XXXX / XXXX / XXXX , they had no idea what I was talking about. I was told that they would only respond or investigate my claims if I wrote a letter, which I wrote yesterday, XXXX / XXXX / XXXX . This comes after 8 months. EIGHT months of them being difficult to answer or transfer the lease ... requiring countless emails, letters and phone calls to complete the transaction. The amount of extra payments I had to pay just in their reluctance to complete the process was outrageous. The only way I got that process handled is I wrote an email to their CEO Executive Office and someone there pushed it through. The amount of financial harm this company has caused me due to their own processes is ridiculous.
|
| 09/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Company ( Toyota Motor Credit Corp. ) refused to comply with administrative process letters. Failed to comply with federal, state, and trust regulations. Violated the consumer/beneficiary on numerous counts of fraud and identity theft. Legal action is now in pursuit, and their failure to produce the requested documentation is the reason for litigation. Company is hiding behind a color of law to which does not exist only to due ignorance and unfortunately this isn't that case at hand. The company ( Toyota Motor Credit Corp. ) legal attorneys/lawyers does not in fact represent you in the legal matter nor do they represent me the consumer/beneficiary in this matter. With that being said please do have your defense solid and credible for the record because all communications/telecommunications will be recored for the record due to legal matters. Frankly if the matter doesn't resolve in a financial remedy that's not worth taking to court there might be a chance for settlement matters. But for the time being please be noted that the company ( Toyota Motor Credit Corp. ) holds NO dual power of attorney over my legal fiction or anything regarding the matter at hand. Everything associated with my consumer report is private confidential information not to be traded or exchanged with no one or third parties. Please be advised that all matters are trust related so the trustee 's ( Toyota Motor Corp. & Lexus Financial Services ) at hand are at breach under trustee malfeasance and will be persecuted to the fullest extent of the law. The company ( Toyota Motor Credit Corp. ) failure to comply and or correct the matter will only include more assessed fee 's and penalties in the over all grand total of the fee schedule.
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Dear Sir/Madam, I am writing to dispute a late payment that has been reported on my XXXX and XXXX reports by Toyota Motor Credit XXXX The account was opened on XX/XX/2022, and I believe this to be an error.
I have never been late with any payment, and this is my first time experiencing such a problem. I am at a loss as to what to do, and I am seeking your assistance in rectifying this issue. I am confident that I have been timely in all my payments to Toyota Motor Credit, and I will do anything to prove it. I have been a responsible borrower, and I take my credit history seriously.
I understand that a good credit score is essential for financial stability and security, and I am committed to maintaining an excellent credit rating. I am aware that the Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccuracies in my credit reports. I am exercising this right to dispute the late payment reported by Toyota Motor Credit.
I am confident that I will be able to prove that this is a mistake, and I am requesting that the late payment be removed from my credit reports. In addition, I want to stress that I will need an advocate if this happens again. I will not allow my credit history to be affected by errors or inaccuracies, and I will fight for my rights under the law.
I am committed to being a responsible borrower, and I will not tolerate any action that might damage my credit rating. In conclusion, I respectfully request that you investigate this matter and remove the late payment from my credit reports. I am willing to provide any evidence or documentation necessary to prove that I was on time with my payments.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, XXXX ) credit report, and I noticed some late payments posted on my credit report : Toyota Motor Credit XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
|
| 03/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
My XXXX Prius was repossessed more than 6 weeks ago. I telephoned Toyota Financial Services ( TFS ) for guidance. I was told to wait for their letter. The letter came about a week later, and I read it. In accordance with that letter, I sent a check for the payoff amount ( {$2500.00} ). The check was sent " return receipt requested. '' I received the return receipt indicating that on XXXX XXXX, a TFS employee ( " XXXX ) in XXXX XXXX, Iowa signed for the check.
Nothing happened. I telephoned TFS at a their phone bank in Arizona, as directed in the letter, and inquired repeatedly about my vehicle. Each phone call requires anywhere from 22-42 minutes of waiting time. Each person who answered the phone could not tell me what the status of the check was or the status of the Prius. Indeed, I was advised that I had to find out what TFS in Iowa was doing with the check. ( I 'm in DC and not associated in any way with TFS. ) I telephoned a Toyota dealership near where I live ( XXXX Toyota in XXXX ), and asked for their assistance. I was told to send a cashier 's check and that was all that was needed.
Just before going to get a cashier 's check, I checked my bank account. The check sent to Iowa was finally processed. At the time the check was processed, three weeks had elapsed.
At this time, I can not get TFS to release the car. Indeed, I can not get anyone to tell me what the status is of my car. AND in the interim, I am told that the repossession company who took the car is charging me a daily fee plus towing fees, and other fees.
I am XXXX years old. I am relying on friends and neighbors while trying to get my Prus back. At this time, however, I have no belief that I will get my car back.
Please help.
|
| 10/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I, XXXX XXXX, entered into a consumer credit transaction with TOYOTA FINANCIAL SERVICES which the account number is XXXX went into default and the debt was sold to a 3rd party debt collector. At the time, I didn't have an understanding of the laws under the FDCPA, TILA, and FCRA. As a consumer under these federal statues I am protected. Under FCRA 15 USC 1681 ( a ) " Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have sent in multiple disputes to the 3 major " credit Bureaus '' ( XXXX XXXX, XXXX, and XXXX ) who congress has defined as a elaborate mechanism trying to get this situation resolved and this information removed and they response was ... ( see attached file ). In that letter you will see that i attempted to get this information removed and i quote " Our records reflect that you submitted the same dispute to us one or more times. '' TOYOTA FINANCE SERVICES said they investigated the situation but have not provided any proof of that investigation. I DEMAND that this information be removed IMMEDIATELY under 15 USC 1692e ( 8 ) " communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' I never gave TOYOTA FINANCIAL SERVICES or the elaborate mechanisms ( XXXX XXXX, XXXX, XXXX ) permission or consent to furnish this deceptive information on my consumer report.
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
It has come to our attention that TOYOTA MOTOR CREDIT has been demanded us to make payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.
|
| 01/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Hello Toyota Motor Credit Corp, This is XXXX XXXX and this is to inform Toyota Motor Credit Corp that they are reporting inaccurately and I will explain and supply supporting documents to support my claim and I will and am needing an urgent resolution to this issue as this issue has caused a bunch of stress on me! On XX/XX/2020 I received a call from a representative asking for payment in the amount of {$1800.00}. On XX/XX/2020 I made the payment which after the payment was satisfied I received an email from Toyota Motor Credit Corp as a confirmation that on XX/XX/2020 the payment in the amount of {$1800.00} was taken care of which brought the balance to {$0.00}. I logged in to my credit file and I saw that Toyota Credit Motor Corp is reporting XX/XX/2020 and XX/XX/2020 late which is not accurate. I made the payment on XX/XX/2020 I am not late. I even was given an email confirmation which I will attach along with this letter. This is an error on behalf of Toyota and this must be rectified and resolved because this invalid information that Toyota is reporting on my credit files ( XXXX, XXXX, XXXX, etc ) is inaccurate. I have proof I made payments on time. This must be resolved immediately please. Please reply ASAP. This needs an urgent resolution. I will also be reporting this concern to the CA Attorney Generals Office and with the CFPB along with mail a copy to the address that I was provided by XXXX ( agent ID FVPH ) which is TFS Credit Dispute Group XXXX. XXXX XXXX XXXX XXXX, IA XXXX. Please fix this issue and send me a letter confirming this has been fixed and resolved. Thank you in advance for all the help.
XXXX
|
| 05/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Hello, I am reaching out in regards to a " negligent charge '' on my Toyota Financial Account. When I went in to lease a XXXX XXXX XXXX, they had me sign a legal document stating what my payments would be for the 3 year lease. I guess over the course of that time, they raised the tax amount by {$2.00} and did not inform either by email, phone or text of these changes. I was set up on auto pay for the whole duration of this increase, and they never even reached out to me. It was only after 12 months of negligent payments ( which my actual payments were always on time and NEVER late ) that I had an extra charge of ~ {$25.00} dollars and my score dropped by 100 points. Up until then, I was working on my credit score because of past financial issues. I have been paying on time for almost all my bills for about 3 years, so seeing my score drop once again due to XXXX dollars was quite the devastating blow for me.
I tried to reach out the Toyota because this is directly their fault. They said they would be able to get it all cleared up for me since they realized it was, in fact, their fault. When I checked back with them, they deemed it a fair charge, even though it did not match the actual numbers given to me on a legal-binding contract. Now I am reaching out to you all, because I am honestly trying to buy a home. My credit score is so vital for that, and with my score dropping from XXXX to XXXX, I need to get this cleared up.
Thank you so much for listening, I really hope we can get this figured out. As I said, I really am trying my hardest to have the best credit score possible. If you need any more information at all, please feel free to reach out to me whenever.
Thank you again, XXXX
|
| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I took a look at my credit report and seen that Toyota MTR is reporting negative and inaccurate information about me. They have been reporting inacurate info against me and defaming me since around XX/XX/2021 on my credit report. I sent in letters and I didnt get a response. They never supplied any information to me to validate the debt or accuracy of their reporting. I do not agree with their actions. I have challenged the accuracy and integrity of the information. ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part
|
| 12/23/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Toyota Financial Services fail to validate an alleged debt of a car loan pursuant to FDCPA & FCRA after many attempts to resolve the situation in accordance to federal law.
On XXXX a letter was made stating that TFS received my request for validation and after their records were researched but not Validated, they determined the account being reported was consisted with their records.
On XXXX as evidenced by certified Mail Receipt # XXXX XXXX, Affidavit was sent Certified addressed to Toyota Financial Services ( TFS ) seeking to resolve the issue with remedy of {$300.00}.
On XXXX, XXXX XXXX was also sent certified letter requesting accountant sendFinCEN Form 101 " Suspicious Activity Report ' as evidenced by certified mail receipt XXXX.
A letter dated XXXX XXXX, was sent to my residence with threatening and intimidating language of taking my property to sale the debt which is in violation of 15USC 1692d without the debt being validated.
Further attempts were made through Notarial Protest On XXXX, XXXX XXXX was sent Notice of Breach as evidenced by Certified mail receipt # XXXX On XXXX, Notice of Protest and Opportunity to Cure as evidenced by Certified Mail # XXXX.
On XXXX around XXXX ; XXXX, TFS committed theft by sending an asset management company to take my property thus violating 15USC 1692d.
Afterwards from fear and intimidation, On onXXXX, TFS was sent Tender of payment by way of negotiable instrument for accord and Satisfaction in accordance with UCC with an Affidavit of Tender of payment as evidenced by Certified mail Receipt # XXXX.
As of today, XXXX, XXXX XXXX CFO of TFS has failed to respond thus committing dishonor through non-acceptance and or non-performance.
|
| 05/24/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I recently returned a lease to Lexus, which was financed through Lexus Financial Services. As part of the negotiation to return the lease and enter into a new lease, Lexus agreed to settle the remaining balance on my account. The account had a balance of {$1800.00}. Lexus applied a waiver for that amount to my account, which I can see is posted on XXXX/XXXX/2016 when reviewing the online account history. However, I recently received a notice from Lexus Financial Services indicating that I owed a balance of {$1800.00}. The notice was dated XXXX/XXXX/2016 and indicated that I needed to pay that balance in full on XXXX/XXXX/2016. I contacted Lexus Financial Services on XXXX/XXXX/2016 and was informed that my account had been placed with the XXXX. I spoke with a representative ( XXXX, ID # XXXX ) and he informed me that he did not see the transaction in that amount in the notes he was reviewing on the account ( which is separate from the accounting system ), and that my account still has a balance of {$1800.00}. He informed me that the waiver was not a payment on the account, and rather that the balance was moved to a closed XXXX number account. None of this had ever been explained to me when returning the lease, and when talking with the dealer they informed me that the balance would be settled in full. No one had ever explained that I would have a " closed account '' established for this balance and that the balance would be due immediately. I am concerned that this was a deceptive act on behalf of the dealer and Lexus Financial Services, and that they led me to believe that I had closed my account in full when in fact the balance was moved to a separate account without my knowledge.
|
| 10/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
I attempted to refinance my truck with Toyota financial group by getting a loan with my bank XXXX XXXX XXXX XXXX. After XXXX months of passing XXXX XXXX I start to receive phone calls multiple times a day from Toyota financial. I contact them find out that they never received a check so for XXXX months Ive been paying XXXX XXXX XXXX XXXX. I never received the returned check in the mail get a new check send it to them now its not enough, I get a new check send it to them and its not enough I tell them to cash it and Ill pay the difference like less than XXXX $ and they can send the title to my back and we are all good. They send the check back and now my loan is obviously in bad standing and my bank will not loan if your not in good standing and not my credit is ruined from all the attempts to get them Toyota financial group their check. I was at the bank getting the 10 day payout and recorded XXXX different prices in the same day so I sent them the most money requested just over XXXX $ and they never cashed it or sent the check back. My wife worried her vehicle that she uses to get to work was going to be towed had to purchase another vehicle. I want them to get their truck and dismiss the loan and any charges. They are easily the worst company I have ever dealt with nobody is in charge they use people overseas to accomplish local tasks that have no idea what they are doing it is a disgrace! How they rudely call you like Im the bad guy after dealing with them all summer it has been this way since we got the truck I cant believe they are in business at all. Places like this are criminal they only care about money and they wont even take it when you send it to them complete scam.
|
| 05/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Before Covid-19 Pandemic, my small business was running great and made my car payments very well. But since XXXX, my small business has been suffering and struggling. On XX/XX/2023, I submitted an online inquiry with a letter to XXXX XXXX XXXX, XXXX XXXX XXXX XXXXl Manager of XXXX XXXX about my financial hardship. I was searching for a program to help me out during this hardships moment. On XX/XX/2023, I received an email from Lexus Financial Services saying that my account is subject to review for repossession. On XX/XX/2023, I call XXXX and was talking with one of the representatives regarding my hardship situation. I was trying to ask them for help and to offer my car payment of {$200.00} a month for the next 6 months until my business picks up. They told me that they can not accept my offer. I told them if they can not help me with the lower payments that I am asking for. I would like to sell my car back to them and would like them to cut me a check on whatever the value of my car then they can take back the car. As of right now, according to XXXX XXXX XXXX, my car value is worth {$43000.00} and my outstanding balance is {$36000.00}. But they told me that they can not do that. For example : Just like a house, if your house has value, you can sell it and pay back the mortgage and other fees then whatever is left is ours to keep. I feel this is so unfair to me because while my business is struggling and I need this car to move around and especially since I have 4 children that keep getting sick and I need to take them to the XXXX XXXX XXXX XXXX XXXX
Please help me to find the best solutions for this issue. Thank you for your time and consideration.
Sincerely, XXXX XXXX XXXX
|
| 04/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I bought Lexus GS 350 car from a Lexus dealership in XXXX MD in XX/XX/XXXX. At the time of the purchase the dealership also sold me GAP insurance policy issued by Toyota Financial Services at a cost of around {$700.00}. This vehicle was involved in an accident on XXXX XXXX, XXXX and as a result it was declared a total loss. XXXX, the insurance company, paid {$40000.00}, a part of which was paid directly to XXXX Bank to settle the outstanding loan against the vehicle. Between XXXX XXXX and XXXX XXXX I wrote XXXX letters to " Toyota Financial Services XXXX XXXX XXXX, XXXX XXXX, IA XXXX '' to cancel the GAP policy and make a prorated refund because the vehicle is no longer in service. Each time they responded that since you have not furnished all the information, your claim can not be settled. This is wrong because they have been given all the information and documentation more than once. I am repeating all the information here for your ready reference : Toyota GAP Agreement Number XXXX VIN # XXXX XXXX Loan Amount {$51000.00} XXXX outstanding loan paid by XXXX {$17000.00} ( The rest was paid by me ) There is no other information needed by XXXX to settle my claim, yet they refuse to take any action.
It is my contention that the GAP policy sold to me by Toyota Financial Services was an act of Financial FRAUD. They had no intention of paying anything if the vehicle in question met with an accident. Toyota behavior is in stark contrast to XXXX which processed my claim within days of the accident. I want CFPB 's help in recovering the cost I paid for this GAP insurance coverage. Also I want the bureau to investigate Toyota for selling a fraudulent product to the consumers. Thanks.
|
| 10/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I sold my XXXX Toyota XXXX in XXXX of XXXX. The vehicle was paid off and I collected positive equity in the vehicle from the purchaser. I received a statement in my mail 3 weeks after the truck was sold. This statement was from Toyota Financial Services, saying the account was satisfied and the vehicle loan was paid off and my account was finalized. On XX/XX/XXXX an automatic payment was taken from my account without my permission. When I called Toyota Financial Services the representative informed me the automatic payments on my account have been turned back on and there would be another payment processed in XXXX. The representative had no authority to stop the automatic payments. So I spoke with his manager and she didnt have the authority either. So I spoke with her manager and she didnt have the authority as well. Their solution to me was to go into the Toyota Financial Services phone app and stop the payments through the app on the phone. However because the truck is paid off and the account has been satisfied I have a restricted account and certain features are removed. I have no ability to stop these future automatic payments through the app. I informed the representative who then told me through the app I should remove my banking information. When I went into the app to remove my banking information the message this is a restricted account you dont have the following permissions is shown. So I cant remove my banking information. So I had to request a refund from Toyota Financial Services and call my own bank to order a stop payment from Toyota Financial Services. However it has been a week and I still dont have the money that was wrongfully taken from my account.
|
| 04/01/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
On XXXX XXXX in the morning hours Tow truck of Toyota Financial Services XXXX XXXX XXXX XXXX XXXX XXXXnce at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California and Repo my 2020 Toyota XXXX with vin # XXXX License Plate # XXXX with California Expired plates of XX/XX/2020.
Toyota Financial Services didn't want to accommondate me on my financial hardship and my XXXX XXXX and reduce payments under {$480.00} a month.
As I respectfully can afford $ XXXX {$350.00} a month but not {$480.00}.
I even took vehicle to XXXX Toyota to trade vehicle but Toyota Administration didn't want to accept the XXXX XXXX XXXX XXXX of {$14000.00} now vehicle was taken from me and now I don't have no vehicle to attend my Lifetime XXXX appointments with my Dr.XXXX XXXX XXXX in XXXX, Ca.
Toyota Administration pulled my credit with Experian, without my consent on XXXX and now Repo the vehicle to destroy my credit.
Toyota Administration is in Retaliation and Discrimination because I filed many Federal Government complaints and I consulted with a Law Firm of XXXX XXXX Attorney and a letter was sent on my behalf.
This is a major Discrimination and Retaliation against me as a XXXXXXXX XXXX XXXX and XXXX Status.
I will file a Discrimination and Retaliation with XXXX Department of Justice on this issues.
Toyota Administration has placed me on collection of {$26000.00} as now they are going to sell the vehicle for less than {$14000.00} and place the remaining balance in collection with Debt Collector and notifying credit bureaus of Experian, Equifax and Transunion.
Toyota Administration doesn't support our US Military Veterans and our XXXX Citizens and Military Veterans.
With Honor And Respect Always.
|
| 08/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
In XX/XX/XXXX, I was approved for a vehicle ( XXXX XXXX XXXX ) at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TN XXXX ) through XXXX XXXX. The monthly payment was around {$640.00}. I provided the necessary documentation-2 current pay stubs, proof of residency ( lease and utility bill ), employment history ( 17 as a XXXX ), etc. I was there with my XXXX daughter and of course was complimented many times about her. I was told that my 1st payment would be around XX/XX/XXXX. In XX/XX/XXXX, I received a welcoming call from XXXX, that provided me with information about my upcoming payment. A few minutes after the call ended, XXXX called back to ask me if I was on XXXX leave ( I found this to be very odd that they knew that I had recently XXXX XXXX ). I said " yes '', and then we hung up. I never received the information about how to make a payment. A week later ( now a month of driving the vehicle has passed ) Toyota ( a lady named XXXX ) called to inform me that the loan was denied because I was on XXXX leave-despite the employment history and my current pay stubs. I wanted to know how XXXX knew that I was on leave. She was n't sure, but that I should n't worry and that Toyota would handle it. They " handled '' it by making hard credit inquiries without my permission- XXXX ( twice ), XXXX XXXX, Toyota Financial, and XXXX. In XXX, I sent a certified letter with a signature receipt asking them to remove the unauthorized inquiries within 30 days. Their response was for me to return the vehicle. The signature on the receipt was on XXXX XXXX and the 5 inquiries are still on my credit report, my score has lowered, and I am still without a vehicle. I need your assistance in this mattter.
|
| 03/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
I bought a vehicle from XXXX XXXX in XXXX va. This dealership was very unprofessional and illegitimate in their business. After being confused about my contract, I went to the dealership for help, and once they caught on to the fact I was asking for to much information. They were pawning me off to several different employees with various different titles, from the sales man XXXX, finance director XXXX, and general manager XXXX. After I was not giving all my documents and was told these documents were not kept in house and were telling I needed to come back another day or wait for a call. So I finally had another person provide me with all my documents they were trying to not release to me. I got out that they charged me for a package I never signed for and wanted, and the double charged me a {$990.00} freight fee. The general manager and salesman said they are allowed to do what they do, they can sell the call whatever price they want to. They can not redo my deal because apparently made multiple payments, and they can give me a credit but wont admit to adding to freight fees but they said they are allowed to sell a car however they want to. That my car was a hot car in demand, which it was not and sold it over sticker price. I believe if they so casual say things like this and act shady and hide your documents, this business should be looked into for fraud.
I have attached I link to all my documents I shared with my military attorney. a email from him advising legal action under the military lending act for fraudulent business and reference to a attorney handling a similar MLA case but hasnt heard word back. This attorney does work for the cfpb and name is XXXX XXXX
|
| 10/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have been leasing cars from Toyota Financial for the last ten years. I have never had any plate payments. Last XX/XX/2018, Toyota Financial inaccurately placed a 30 days late payment on my account when I had autopay, as well as I never received a notification, or a call that the payment was late!
When I found out around 25 days later as I was checking online to get a payoff information as my lease was coming to an end, I called Toyota financial to ask why there is a late payment and why there is a late fee on my account, when I have auto pay and I never received notification from them regarding late payment as they are obligated to do so per my online registration agreement, he replied from me not to worry as the payment is not more then 30 days late, and credited back my account the late fee. I advised him that I will make a double payment to take care of the late payment, witch I paid online right away.
I mailed a letter to Toyota Financial explaining what happened and that I don't have time to always check my online account as I am an XXXX XXXX, they refused to remove it witch is effecting my credit score by more then 50 points. Had they called my Phone number on file, or email me to inform me of a late payment as they are obligated to do so, this would have never happened.
They also have inaccurate information on my online account. When I sign in, they have a different first name witch doesn't belong to me. I advised them on many occasions and still they never corrected the issue, even as of this date, when I sign in to my online account, it shows a different name. This could be related to why the autopay was stopped.
Thank you for your time and assistance!
|
| 05/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XXXX XXXX XXXX I bought a brand new XXXX from a Toyota of XXXX XXXX XXXX through Toyota Finance Service ( TFS ). The car turned out of a brand new - it is UNWIND. So I returned the car on XXXX XXXX XXXX because the dealership did not tell me it is UNWIND car for some reason. The dealership told me I should get my money back within 2-3 weeks and told me not to pay my second payment. On XXXX XXXX, I got a phone call from Toyota Financial Service ( TFS ) about my payment. I explained to customer that the deal was cancelled and I should got my first payment back. On XXXX XXXX XXXX, I got another call from TFS, I explained to her again, then the phone call was forward to Customer Resolution (? ). XXXX XXXX told me she will report to Credit Report as Volunteer Surrender within 24/48 hrs. I have asked her to call the dealer to confirm the fact. She told me she does not have their address and phone number. I have to provide that to her. This info should be in the loan docs. I have to search and provide her that. She told me to get the proof that the car was previous owned. I told her I dont have this information because at the end of XXXX, the dealership asked me to sign DMV paper again because I have not received the license plate. He asked me to sign a paper that stating the car was previously owned because it is UNWIND. I told him no and he left the office more than 10 min. so I left the dealership and then email my salesman that I want to return the car because it is not new for my son. My family is very upset that they sold me previous owned car. I have requested XXXX XXXX to email me when she will put bad credit report on my report. As of now, I got nothing from TFS.
|
| 12/22/2016 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
Servicemember |
|
I traded my XXXX Toyota 4runner in on XXXX/XXXX/XXXX. The payoff check was cut on XXXX/XXXX/XXXX. My last statement shows that my next payment was due on XXXX/XXXX/XXXX. This check was clearly not 30 days past due which is what Toyota is reporting to the credit bureau. I contacted Toyota as soon as I realized that they had not posted the payment to my account. I was told this would not effect my credit report because they did in fact have the payment on time. I called the following 3 months and was told each time that my credit report would be fine as they did have the payment in hand. In XXXX I pulled my report and found they had reported a late payment. I mailed my dispute to the credit dispute research team who never contacted me back. When I called again to follow up I was told there was no one I could talk to, but they would send a note over letting them know that I had never received a letter regarding the investigation even though the investigation was closed and they had determined I was at fault. I have never in my life missed any payments and their representative had no further suggestions for me to be able to get this scar removed from my report. She simply said my payment was late and they were required to report it and that I need not go on and on about it. Given that the balance was paid in full on this account shortly after the " late '' payment I would think that a request to remove this late payment would be granted give then circumstances and evidence provided. I also contacted XXXX during the course of the confusion who also called Toyota and was told this would have no effect on my credit report. Shame on Toyota for your terrible customer service.
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| 03/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Older American, Servicemember |
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Reference Toyota Financial : Loan number XXXX question is, I have been paying extra on my car loan since we purchase the car in XXXX XXXX XXXX XXXX. The question I have is my payment is XXXX and my loan payment will be down to approximately XXXX because I have been paying around XXXX per month since about XXXX4 months ago. I talk to Toyota financial today XXXX XXXX/XXXX/XXXX ) and ask them the question of where does the extra money over and above what they credit the amount for example in XXXX they will credit XXXX out of a payment of XXXX and the answer is they carry that overpayment forward and I ask why do n't they apply some to the interest, and the CSR stated on we do n't have to so that leaves the question of why is n't the full amount applied and the interest payment credit because soon I will be in a plus stage of over payments on the car and evidently the extra ( my ) money is setting there accuring interest at Toyota Financial for every overpayment I am making. They also informed me that they could not take extra payments on interest, I would have to send them via mail to a XXXX, IA address because they handle the interest payment and I ask them for a print out of my payment history and they stated all we can do is mail a copy of the original loan agreement to me? The question remains, is the way they are doing there books correct or is it incorrect in terms of applying payment and interest, and letting the extra money set in there acct until eventually there will be enough accumulated to pay off the car ahead of time? Please advise and if you have any questions and do n't understand please email me at XXXXXXXXXXXX or call me and leave a message. Thanks.
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| 04/20/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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My monthly payment of {$300.00} for my lease was on XX/XX/21 with a XXXX day window to make a payment - I have never made a late payment to XXXX and have always been a loyal customer to them. At the time, my XXXX goXXXX XXXX with XXXX and I was responsible to care for XXXX and our XXXX. A few days later I got XXXX myself and was very XXXX. Not long after that, my XXXX got it too. We went to my XXXX house to have some help and to be taken care of and at the time, unbeknownst to us, XXXX had sent a letter to our apartment saying our payment was almost due. On day XXXX I received a call from XXXX saying my payment is over XXXX days due ; while I was still on the phone with the rep. I made the payment. Meaning on day XXXX the payment was made and received by XXXX.
Despite my families XXXX of the XXXX, XXXX immediately reported me to all credit bureaus and DROPPEDMY SCORE XXXX POINTS! This could not have come at a worse time as we are on the market for a house and a good credit score is vital. After calling them numerous times to sort this out with me, they repeatedly refused to help me. I called to ask to speak with the manager and was told all managers were in a meeting and I would get a call back. I never did. I was yelled at over the phone and received awful customer service. I normally wouldn't take the time out of my day to submit a formal complaint, but I had to make an exception for this. Every representative I spoke to was robotic an unpleasant over the phone. They offered no help and no explanation other than " we have to report you and we can not help ''. I am ashamed to be leasing from XXXX and do not plan on being a customer of theirs in the future.
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| 01/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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Please note, Toyota Financial Services is the brand name of Toyota Motor Corporation.
In XX/XX/XXXX, I agreed with Toyota Financial Services to extend my lease on a month to month basis for a maximum of 6 months.
I made my last monthly payment on XX/XX/XXXX in full amount of {$160.00}. This payment would give me the right to use the car until XX/XX/XXXX.
On XX/XX/XXXX, I turned the car into the dealership to end my lease. On XX/XX/XXXX, Toyota Financial Services sent me a letter acknowledging that my car had been returned. As a result, they should have sent me a final bill for the lease termination amount less any credits for being under mileage.
On XX/XX/XXXX Toyota Financial Services proceeded to bill me another {$160.00} assuming I still had possession of the car. This is in despite that the dealership bought the car from Toyota Financial Services after I had turned the lease in.
On XX/XX/XXXX in a phone call with Toyota Financial Services, they assured me that it was a mistake, my account would be closed, nothing would be reported to the credit reporting agencies, and they would send me the bill for the termination fee.
On XX/XX/XXXX, I received notice from a credit monitoring service that Toyota Financial Services has been flagged as delinquent by XXXX. Toyota Motor Credit Corporation has reported me to a collections agency.
On XX/XX/XXXX, Toyota Financial Services sent me a letter with my transaction history. The second to last transaction is titled, " Lease Termination Reversal '' and Toyota Financial Services is attempting to bill me for a car that was returned to them on XX/XX/XXXX that they then subsequently sold to the dealership for resale.
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| 11/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had a loan with XXXX XXXX that is now paid in full. The amount was roughly XXXX. In XXXX of XXXX, due to covid-19, I was granted 4 extensions. After granting me the extensions, XXXX continued to send me statements monthly. These statements, which I will provide, showed me what was owed for that particular month. I also could view these online. When I received my XXXX statement, the first one with a balance owed following the extensions, it showed that I owed XXXX with a due date of XX/XX/2020. I paid this XX/XX/2020. Following this payment, I was bombarded with statements and the amounts owed grew. I immediately contacted XXXX and was told that I owed this money and there was nothing they could do. I told them my monthly statements did not reflect this. I contacted them daily and was able to get them to correct the balance a bit but, they did not want to truly cooperate. I paid them 3 times in XXXX and the balance was paid in full in XXXX. I sent certified mail to XXXX to ask them to remove negative remarks from my credit report. I have filed disputes repeatedly. I am hoping if someone can look at these statements and see what I am talking about. I have never been 30 days late with them! This is their mistake and they need to rectify this. This has been extremely stressful and is going to cost me at least {$3000.00} in finance charges because of my current score with them reporting a late payment. I will pursue this further. They have also changed the late dates a few times on my credit report. First it was XXXX, then XXXX and finally XXXX. The first statement reflecting an amount past due does not even correspond correctly with the previous statements.
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| 07/14/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was listed as co-signer for a business lease. During the lease all payments were made on time. At the end of the lease, the business asked Toyota Financial to extend the least another 6 months and remove me ( cosigner ) from the lease. Toyota extended the lease, but did not notify me of the lease extension nor did they remove me as the co-signer. Lease payments were not made by company on time during this period, but it was during COVID, so they were not performing any collections activity during this time. Per the lease contract, section 42, Toyota was supposed to send me notices of delinquency so I could correct the delinquency and make payments. They failed to contact me or send any delinquency notices to my address that they had on file. The only notice they sent during the past due period was a general COVID-19 notice about the resuming of general collections activity. There was no notice that the account was delinquent or active. The other notice I received was on XX/XX/XXXX and I immediately called and was told that the account was current and there was no late reporting. The lease ended in XXXX of XXXX but they did not report the account late until XXXX of XXXX, 9 months after the last payment. I have disputed with Toyota, but they do not have someone that I can speak with directly. Their team can only take my request and then send it to their credit reporting team. They have only come back as " payments were late '' but not acknowledging that I was never given the chance to correct the delinquencies as the co-signer and they do not acknowledge that they did not abide by the contract terms by failing to send me ( co-signer ) deliquency notices.
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| 06/06/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XX/XX/XXXX I received a letter from Toyota Financial Services ( TFS ) s tating that they paid, on behalf of me, {$110.00} to XXXX XXXX , Virginia for personal property taxes for th e 1st half of XX/XX/XXXX ( XX/XX/XXXX - XX/XX/XXXX ) . My car lease was terminated with them XX/XX/XXXX so the prorated amount per the county was only {$72.00} for the year. The county verbally confirmed that, due to the " Secrecy of In formation Act '' t hey were unwilling/unable to provide me a copy of the bill or information as to whether or not the account had been overpaid and a refund issued to TFS. They stated as the Lessee I am technically not on the account and thus this information could not be released to me. I explained this to TFS on XXXX when I called in and they indicated that they had no record of this and that if a refund was to be made to them it would take them upwards of 6 months to refund it back to me. I have experienced this inaction on their behalf before when they mistakenly double charged me personal property taxes for the year of XXXX . It took them 6 months to resolve the issue before and that was with an excessive amount of action on my end as the consumer. They were very courteous in the past but now that I am no longer an active customer to them I simply owe them money and are unwilling to look into this further for me. I fear I will not see this {$41.00} again as they have nothing holding them to customer satisfaction at this point, and the county is unable or unwilling to assist me. In my opinion, with a potential 6 month waiting period interest should be tacked on to the money they owe me.
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| 08/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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My husband and myself have a joint auto loan with Toyota Financial Services. In the process of trying to get a home loan, we found out that Toyota reported us 30 days late in XX/XX/XXXX andXX/XX/XXXX. I tried to resolve over the phone with Toyota, however there is no possible way to speak to a person in the credit reporting department. You have to communicate by letter only. Several months later I finally received a letter back confirming that they had researched and corrected the negative credit markers, yet their correction letter to us mentioned the wrong month ( XX/XX/XXXX). Still to this day they can not send me a letter to confirm that they corrected the month of XX/XX/XXXX, like I have asked.
I thought this was resolved, because there is no longer a negative marker on my credit or my husband 's for the months they reported incorrectly, so I let it go thinking it was just a bad mistake on their part.
Then 2 weeks ago I found out that Toyota AGAIN has reported us 30 days late, this time it is for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our payments are due on the XX/XX/XXXX of each month, and again, all these payments are paid well before the 30 day marker, usually within 1-2 weeks after the due date. We NEVER past 30 days, yet Toyota continues to report us 30 days late and their excuse is that " the payment has not posted by the last day of the month. '' They " ding '' our credit on the last day of the month even though thirty days have not passed. They have done this to us 5 times in the last 24 months now.
This is ruining our credit, and it takes months to resolve!
This should be illegal to report someone at 10 or 15 days.
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| 07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XXXX and XXXX my credit reports, it shows inquries that are not mine, I have mailed disputes to XXXX and XXXX and XXXX and have contacted XXXX directly. Today i started to put locks on my credit and had to pay for it because I have got no where with this process. The item is showing as XXXX DATE OF XX/XX/XXXX. This is fraud. I have never applied for this.
I have sent 3 letters and have called with no further investigation done, have been told you cant dispute over the phone so i continue to mail the letters. Today i received an email from XXXX for this creditor stating that the receiced a letter but they are notifying me because they dont think i authorized this letter i then called and was told this is a automatic letter generated and was transferred to a rep to escalate this after i told them i have been disputing thes and its incorrect and fraud. This is my main concern.
I have also sent these letters to ALL 2 CREDIT AGENCIES- XXXX and XXXX on also the inquiries below, FRAUD AND NOT REMOVED for the following XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have sent these letters to XXXX on this below and they have no updaetd this fraud reporting on my credit report. : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, TX XXXX I have sent these letters to XXXX on this below and they have no updaetd this fraud reporting on my credit report.
XXXX XXXX XXXX showing several times on my credit report 3x on XXXX also called XXXX XXXX and they said this shouldve be showing SENT LETTERS TO XXXX FOR " FACTUAL DATA XX/XX/XXXX '' LISTED TWICE THIS IS FRAUD, I never applied for this.
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| 01/21/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Shopping for a loan or lease
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Web |
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When I went to the dealer, I signed for my credit check so they can see my credit and offer me a loan rate as they offer up to 0 % financing. The sales person told me that my credit score will give 8 % APR financing. I checked my credit score that night and it was already impacted for this credit check from Toyota. So I decided to continue and buy the car I found there. A couple of days later they have the car ready, I get the insurance and I was ready to sign for the car. When I was in the financial office, the person who attend me told me that my credit score was too low and they only way they can " help me '' to have the 8 % APR was if " I help them '' buying the extended warranty. It increased the final price for almost {$4000.00}. I told them I did n't want the extended warranties and all I want was the car and the 8 % finance initially offered. The person in charge of the financial office was pressuring me to get the extended warranty, as I refuse to take it he told me that the APR will be 9.44 %. As my credit score was already impacted and I 've spent many hours in this dealership I did n't want to go to other dealer, I decided to take the car and sign with the 9.44 %. I think that this sales tactics, pressure and confusing information is not correct. Why they offer and initial APR but do n't say that is subject to buy extra services that increase the final price of the vehicle. Also this person who I do n't remember his name at the moment, was very rude, unprofessional, and was acting like he was doing me a favor not treating me as a customer that is buying a car. He said " if you do n't like the way I do it, you can go to other place ''
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| 04/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I am filing a complaint with CFPB today regarding the Toyota Motor Credit/Toyota Financial and all of the revolving entities surrounding my auto loan separately, but they have all dropped the ball. I have had an auto loan with Toyota Financial for 3 years. Throughout the loan I have had a few medical issues that resulted in loss of hours at work. I have continuously asked Toyota Financial for assistance with lowering my payments after being denied refinancing assistance by my back XXXX XXXX back in 2021 when I first purchased my XXXX XXXX. I have been unable to get any assistance from the customer service representatives that work there and have been offered a call back from supervisors with no return call. I have requested a lower payment option or information of where to go on almost every call I have made which is at least once a month for 3 years when I make my payment 's. This absurdly high car payment is a financial strain but i continue to make payments. There is no reason that I should not be able to take advantage of a deferred payment option which i have been denied as well. I have been a customer for 3 years faithfully and am seeking any advice or assistance that will allow me not to totally ruin my credit as that is the road I am headed. I do not believe that there is nothing that can be done as far as assisting with a lower auto payment. I am not asking for a handout I don't mind paying, and I am only requesting a lower payment which will make my loan longer and that is ok. I have not been able to get my vehicle refinanced due to the slow payment or late payments that I have made so this is my last option. Thank you for listening.
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| 11/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I purchased a car because my XXXX XXXX engine blew up and the man who helped me finance the car wanted to be off the loan. I had finally got my credit score up since I am a survivor of XXXX and XXXX XXXX and was unable to finance previously. I let the dealership understand my position regarding this. It was very important to me to rebuild my credit and to make payments on time.
The Dealership told me the wrong information regarding when payments were due. I have gone to Toyota Finacial and they said they can do nothing that I will have to go to the dealership and work it out with them. I have gone to XXXX of XXXX, TX and tried to get assistance regarding this issue. Prior to payments being made I went to the dealership to find out when they were due. Nothing was given to me other than a .com for Toyota Financial. Nothing more, no papers of when payment was due and where to make the payments. I have called the dealership repeatedly and left messages for the director of Finance to please contact me back and fix this. I have gone to the dealership where I waited for 1.5 hours to speak to someone only to be sent home. This problem is not getting fixed.
Tomorrow I plan on going to the dealership to please get assistance to fix this problem. Because of their error it has affected my credit score dropping 122 points. I AM A SURVIVOR OF XXXX AND XXXX XXXX I am trying to rebuild my life and my credit this has not helped.
The reason why I agreed to this loan was because after 6 payments on time I would be able to go back to the dealership and my payments would go from {$350.00} to {$150.00} and the most of that payment will go to paying off the car.
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| 12/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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In XX/XX/2020 I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ). I completed the paperwork for this truck, which included financing through Toyota Financial Services ( TFS ). The truck was located at a different dealership and I was told that I could take ownership of the truck the next day. However, the other dealership sold my truck to someone else later the same evening as my purchase.
XXXX XXXX XXXX was eventually able to locate another truck with similar specifications and I purchased that truck the following week. Similar to the first truck, I used TFS to finance the purchase.
I refinanced my loan through XXXX XXXX XXXX XXXX ( XXXX ) once I received the first statement. However, following the refinancing I kept getting statements from TFS. Upon some research I determined that the dealership had never canceled the loan for the original truck that I did not take ownership of and I actually refinanced the loan for the truck that they sold to someone else.
I have been working with the dealership and TFS for about 4 months to try to resolve this issue. However, I now somehow have three loans through TFS for XXXX a XXXX XXXX in addition to the only valid loan through XXXX. I have spent hours on the phone with the dealership and TFS. TFS has hurt my credit rating by reported the loan as delinquent and put my security clearance at risk.
I feel that I have been too patient for them to correct their error. TFS has failed twice this week to follow-up as promised. Ultimately, I feel like I need to reach out for help now that their lack of effort to fix the situation is potentially threatening my career.
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| 04/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Fraudulent loan
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Web |
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To whom it may concern I am writing to dispute the accuracy of the information on my credit report. Specifically, I am concerned about the false verification of information that is negatively affecting my credit score.
According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), consumers have the right to dispute any inaccurate or incomplete information on their credit report with credit bureaus. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires credit bureaus to conduct a reasonable investigation into any disputed information and provide the consumer with a written report of the investigation 's results.
In my case, I have disputed the accuracy of certain information on my credit report, and the credit bureau has verified it as accurate without conducting a reasonable investigation. This is a clear violation of FCRA Section 611 ( a ) ( 5 ) ( A ), which states that credit bureaus must investigate all disputes, including those deemed frivolous.
Additionally, the credit bureau 's failure to investigate my dispute violates FCRA Section 611 ( a ) ( 6 ) ( B ), which requires credit bureaus to modify or delete any inaccurate or incomplete information within 30 days of receiving a dispute from a consumer.
Therefore, I request that the false verified information be deleted from my credit report immediately in accordance with FCRA Section 611 ( a ) ( 6 ) ( B ) and that the credit bureau conducts a reasonable investigation into my dispute in compliance with FCRA Section 611 ( a ) ( 5 ) ( A ).
Thank you for your attention to this matter. i was shot and robbed my id was apart while i was in XXXX my idenity was used
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| 05/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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I went with friends to purchase a car, it was a horrible experience on XX/XX/XXXX looked at car sticker price for used car was {$21000.00} at XXXX XXXX dealership in XXXX XXXX CA. I told them I had a schools first loan for {$29000.00} they said no problem, sold me car. They had me sign my name multiple times on enlarged digital screen saying this is for tires, this is for warranty this is for this and that never showing me what I was signing because it just showed signature line on desk screen, they kept ensuring me it would go though my union schools first. They printed paperwork and sealed it and handed it to me. I called schools first they told me my loan was denied because it was {$34000.00} for the used car which they told me was 135 % over XXXX XXXX book. I called dealership and they told me I can't return car, they will finance it through XXXX dealership, which is never what I wanted. My mom asked to see paperwork and told me how much it really cost, I tried to take back car they told me there is no cooling off period in California. I tried calling multiple times, my mom called multiple times we tried to take back car on XXXX XXXX they said we can't rewrite contract, they tried to change some things, it still came out and was still {$33000.00} they said I can leave car at dealership, no changes can be made. I am going to take it back to dealership and leave key and say it is a voluntary repossession or surrender. It has just been a horrible situation on how they take advantage of people. At this point I don't car if it hurts my XXXX credit or I go to court, I want to speak out how they have done this to me, they should be ashamed.
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| 08/17/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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I recently purchased a brand new XXXX XXXX XXXX on lease from XXXX of XXXX on XX/XX/19. After agreeing to the lease financing terms shown to us @$XX/XX/XXXX/pm for 36 months, and closing the deal, signing all the necessary paperwork, we drove out with the brand new car. Only after 4 days of the sale, their financing manager called me to say that they made a mistake in the money factor/interest rate, for hybrid, it is higher, and that changes my monthly lease payments to about @$XXXX/pm, an increase of $XXXX pm, ~ $XXXX higher than what we agreed in the paperwork. This is unacceptable from the XXXX Plus (or any XXXX dealership). I feel deceived and a victim of "bait and switch", an unethical and deceptive business practice followed by this dealership. We spent 5 hours at the dealership for this entire process on Saturday and 3 hours alone for the financing paperwork. Not even once during this entire time they figured out the incorrect money rates. Now four days later, they want me to agree to higher financing payment terms. It's been 3 days and still no resolution to it. Today I'm offered yet another terms @XX/XX/XXXX/pm, but this is not what I agreed to, and wouldn't have bought the new XX/XX/XXXX at this rate. I want the XXXX of XX/XX/XXXXto stop following this deceptive practice of fooling the customers with one rate when they buy the vehicle, only to change to a higher rate in the next few days. This is over and beyond the advertising frauds. This has to stop. It is not only unethical but also fraudulent. Its really shocking and painful experience of what I'm going through. I hope others can learn from it and avoid this dealership.
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| 10/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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Mazda Financial has repossessed my vehicle with no court orders. This vehicle is covered under SCRA and my XXXX XXXX bankruptcy. My first set of XXXX XXXX orders were from XX/XX/XXXX and it stated for 6 months only. I received new orders from XX/XX/XXXX to XX/XX/XXXX and still wasnt granted a lower interest rate. I have looked into the SCRA protections and it states Protection # 1 Servicemembers can reduce the interest rate on any pre-service loans to a maximum of 6 percent If you took out an automobile, home, or student loan or incurred credit card debt prior to becoming a servicemember ( also known as a pre-service obligation ), or if you took out such a loan jointly with your spouse, then you are entitled to have your interest rate reduced to a maximum of 6 percent per year. To receive this benefit you must notify your lender in writing and include a copy of your orders to XXXX XXXX XXXX or a letter from your commanding officer that shows the date you began XXXX XXXX XXXX
The rate reduction for pre-service obligations applies during the period of XXXX XXXX XXXX for most loans and, for mortgages, for an additional year after the end of XXXX XXXXXXXX XXXX When you make a proper request for an interest rate reduction under the SCRA, your lender must reduce your interest rate on pre-service obligations to 6 percent for the entire time you are serving on XXXX XXXX. Your lender cant add the amount of interest above XXXX percent back into the loan later on after you leave XXXX XXXX. You can request an interest rate reduction from your lender at any time while you are serving on XXXX XXXX and up to 180 days after release from XXXX XXXX.
|
| 07/09/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American, Servicemember |
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We received a loan to purchase a car through Toyota Financial Services.
- First payment was received by Toyota on XX/XX/XXXX - Shortly thereafter I called to have the payment date extended to the XXXX of each month. The gentleman I was speaking to said we had to sign a form. I told him we were leaving on XX/XX/XXXX and wold not be back until XX/XX/XXXX. He said he would either email it or fax it ( I do not remember which ).
- The required form did not arrive so several days later I called Toyota and a woman helped me said I did not need to sign a form and that she could change the date.
- XX/XX/XXXX we received a collection call from Toyota. when I spoke to the person told me not only did we have to sign a form must now pay Toyota {$28.00} or {$29.00} for Toyota to do their job and change our payment date ( first we have been told about this ). Basically I was told " too bad so sad you are now past due and we are not going to the right, ethical or moral thing and change the payment date retroactively.
- I then made several calls - all of which my phone dropped due to the bad reception.
- Finally I got through to someone who put me in touch with someone who said they could help - then my phone dropped the call again.
- When we returned home there was a form from Toyota for us to sign that was mailed after our departure date - of which they had been made aware..
- Long story short - I have made repeated calls but still can not get this straight. Each call the holding times have been from 8 to 20 min hold time and when I am put through to a supposed " Resolution Specialist '' one waits another 15 to 30 minutes to speak with them.
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| 02/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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The last week of XX/XX/XXXX I contacted XXXX XXXX XXXX about deferring XX/XX/XXXX lease payment to the end of the lease agreement due to financial difficulties at the time. I was granted the deferral, and I was told by customer service that as long as the deferral agreement was received back in time ( XX/XX/XXXX ) that I would not receive a 30 day marker on my account. To begin, I was told the deferral agreement could not be sent through an email, but needed to be mailed to me. They spelled my address incorrectly, so it was delayed in getting to my residence. However, when I finally received the agreement, I sent it to XXXX along with a check for {$32.00}. They received the agreement and check prior to XX/XX/XXXX, and the deferral went through. However, when I went to get a pre-approval letter to purchase a home, I found out that XXXX had placed a 30 day derogatory mark on my credit. This mark is causing damages by increasing the interest rate on a new home that we are interested in. I contacted XXXX, and they are refusing to remove the marker even though I was told I would not receive a 30 day marker and their misspelling of my address delayed the deferral agreement. We fully paid off our lease in XX/XX/XXXX ; we owe nothing, so there would have been no point in going through a deferral unless it prevented the delinquent marker on our credit. The customer service I have received through XXXX has been extremely poor, and I feel that I have been tricked by them. I have been a customer with them for ten years and have always been current on my account. If this does not get resolved ; they have lost a customer and I will seek damages.
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| 11/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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On Tuesday, XX/XX/XXXX during my routine car maintenance at the XXXX XXXX of XXXX, I had my car appraised for possible trade in by XXXX XXXX. The service tech that completed the appraisal alerted me that he had to reduce the amount of appraised value due to the XXXX XXXX indicating that the vehicle was involved in an accident in XXXX. I was never given the XXXX upon purchasing the Vehicle nor alerted that the car was in an accident. I had been into the dealer previously on XX/XX/XXXX for maintenance and appraisal through my sales rep XXXX and he did not bring this up at that time either. This was the first time that I was hearing of this, and it is very disturbing and appalling that the dealership and salesperson, XXXX XXXX, withheld this important information from me. This would have affected my purchasing decision when I got the car on XX/XX/XXXX. On XX/XX/XXXX I left a voicemail for XXXX regarding this matter, and I have yet to hear back from him, therefore I reached out to XXXX, the general manager to resolve this matter.
On XX/XX/XXXX XXXX reached out at XXXX XXXX. and at first offered to buy the car back for XXXX when I still owe XXXX. That would leave me with XXXX in equity out the door. I informed him that this would not be acceptable and restated what I asked for in my initial email to the dealership. My resolution would be my downpayment of XXXX dollars back as well as the XXXX worth of payments I made since acquiring the vehicle in XXXX. He stated that was not possible along with stating that he was unsure why the appraiser had put emphasis on the XXXX XXXX as well as the fact that my trade in was lower because of it.
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| 05/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX I received a response from XXXX XXXX but they have not resolved the issue. Below is my feedback : Please note, this is the first time I get a response in detail. I have constantly contacted your office about the {$920.00} and GAP insurance. I even reached out to the dealership and they explained it should have been covered by GAP.
The last time I contacted your customer service department was on XX/XX/XXXX and spoke with agent XXXX, he explained the same as I mentioned in my complaint. He even opened a new dispute and sent it for review to the department that handles credit reporting. He also provided me with GAP 's customer service number to dispute the {$920.00} amount, the number he gave me is XXXX XXXX XXXX. Please review your system for notes about this discussion.
However, based on your response, I now understand the information provided by your customer service department and total loss department has been incorrect, which resulted in the delay of the {$920.00} amount. Please put into consideration that my account with XXXX has always been in good standing, I have never defaulted in a payment.
At worst case, the {$920.00} payment was delayed by two months, why it is been reported as charge off rather than late payment??
I ask you to please review all my discussions with your customer service department and my several attempts to understand that last pending payment of {$920.00}.
Please note, this incorrect charge off in my credit is putting a halt in a car loan I am trying to obtain through your financial institution. I urge you to please look into this matter as soon as possible. Thank you for attention.
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| 09/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
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Web |
Servicemember |
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To whom it may concern, On XX/XX/XXXX, I went to Toyota of XXXX to get a diagnostic done on my vehicle. A sales manager brought up the idea of me selling my car to them and I was given a verbal offer of {$9000.00}. I let him know that I would shop around and make a decision. I returned to the dealership on XX/XX/XXXX and completed the appraisal to sell my car. At this time I was given a new amount of {$8000.00} to which I agreed to. I gave the dealership the vehicle, my keys, signed over my original title and received a receipt for the {$8000.00} appraisal. I was told to return on XX/XX/XXXX to retrieve the check for my vehicle. I filed a HSMV XXXX and surrendered my plates to the DMV.
I was called on XX/XX/XXXX, and advised that the price had now changed to {$7000.00}. At this point, I frustrated as I felt that I was being taken advantage of. I returned to the dealership and a sales supervisor by the name of XXXX advised me that the sales manager was trying to get over on me and he does this to women often. I assumed this process was complete but, nearly a month later I have not received my check for my vehicle. I would like for this to be resolved and my check issued immediately. This is not a mom and pop dealership. This is a corporate location and this entire ordeal is unprofessional and tasteless. I should be treated as any other customer and this is unacceptable and needs to be handled with urgency.
I have called the dealership numerous times to speak with the XXXX & customer relations manager and they are never available.
I will be sending an email to the CEO & board of directors about this poor experience.
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| 07/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
|
We were affected by the Pandemic ... A business venture we had projected as having promising possibilities was adversely impacted by the restrictions imposed by State Governments ... The Business was based on XXXX XXXX in the XXXX XXXX XXXX.
The Need for this XXXX / XXXX XXXX / XXXX XXXX is/was immense ... The potential Income from this XXXX XXXX XXXX career was intended to compliment our retirement benefits and provide additional career alternatives professionally! The Business never got off the ground and the Venture Capital, Educational Certification, Cost of Course Requirements, Licensing Cost, etc was spent with no realization of the eventual Pandemic experience ... We have had to restructure our Finances, contact Creditors, budget our Monthly Income against the Cost of Living! We leased a Vehicle at the end of 2019 when income and expenses for us monthly was convenient ... We had no idea what was looming Economically after the New Year ... In essence we have been able to manage our debts by corresponding with creditors and making payment arrangements that provides partial payments and eliminates hardships for us monthly! We have written to Toyota on several occasions asking for relief with basically no remedy ... Toyota 's response has been Lease Cancelation Notices, Money Demands that have been met at the cost to other Bills Monthly. Toyota has attack our Credit Report and Credit Rating relentlessly ... Their Customer Account Reps are totally unconcerned with anyone they service ... the Reps recite Corporate Policy on the Phone with No Recourse ; therefore, I have discontinued Phone contact ... It's Senseless!
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| 10/24/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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Toyota Financial has threatened me with collections despite my disputing their billing at the end of a lease. The car was turned in, the account was closed, and I was told I had fulfilled all contractual obligations. Then they sent me US Mail with additional bills and began calling my cell phone. I am XXXX and do not use voice telephones. A caretaker answered several times to tell them to send me email or a fax and they refused. She told them to stop calling and they refused. She asked for accessible contact information for them, and they refused. She requested they send their recording of the phone call to their general counsel for redress, and they refused. Additionally, I contacted them on XXXX chat and on XXXX and they refused to provide any documentation for their billing whatsoever, and also refused to give me accessible contact information. I was able to log into my old account and send an email once again disputing the amount and once again asking for accessible contact information. I received no response, and my ability to email them or read email on the portal was disabled.
Toyota Financial is in violation of Title II of the ADA, the FCRP, Section 508 of the Rehabilitation Act, and my civil rights. They refuse to provide any access to legally required dispute processes, or even contact information. I can interact with them via fax, email, online chat, secure email via login portal, etc., but still they refuse to provide any contact information whatsoever. Their threat to turn me over to collections and cause me financial damages with no ability for me to even use my legally mandated remedies is ridiculous.
|
| 01/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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I took out a car loan with Toyota Financial Services in XX/XX/XXXX, the payments of XXXX were due on the XXXX of every month. After starting the contract with them I asked for a due date change, and we agreed on the XXXX of every month. TFS sent me paperwork to sign and I signed and sent it back. At this point the new due date is the XXXX of every month. The first payment according to the new contract with the new due date is XX/XX/XXXX. I began making my payments according to the the new agreed upon due date, however TFS has not been reporting the payment according to the due date of the XXXX, which has cause multiple additional fees and a negative credit reporting. They are being unreasonable with resolving the matter This is the second time I am trying to resolve this issue. The mere fact that Toyota updated 5 of the late payments that they were negatively reporting since XX/XX/XXXXis evidence that they make mistakes and obviously over look them for approximately 5years. Also It was mentioned by TFS rep that the statements that were mailed out had the due date of the XXXX on them, I never received the statements from Toyota because they failed to update my address as requested as well as my last name. I also would like to bring it to your attention that my XX/XX/XXXX payment is being reported as 30 days late and it is also not accurate. You guys received the payment to close the account and cash it well before the payment could be deemed 30days late. I need for the inaccuracy of late reporting to be removed and acknowledge that I had a due date of the XXXX and that TFS made a mistake Im not updating the information.
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| 08/18/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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Web |
Older American, Servicemember |
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A copy of the letter sent to Lexus Financial is below : Lexus Financial Services XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : Account # XXXX XXXX To Whom It May Concern : I received telephone call from a gentlemen in regard to monthly payment. I reiterated to the gentlemen that the payments are being made via automated bill payment and that the XXXX/XXXX/2016 statement shows that the monthly payment due is {$480.00}. I know that my previous payments were {$680.00} and this is what we have paid in the past and the reduction of payment to {$480.00} is a welcome change. Please see attached statement received from your office. The gentleman argued and denied that there is such a statement sent, insinuating that I am lying, and that I offered to send it via email so that he can see what I am talking about but he refused to acknowledge and stated that you do not have an email for such purpose. I continue to get your nasty calls.
I find it incredulous for such a large company like you not to have an email for correspondence purposes even for just escalated issues. I offered that I am going to mail a copy for proof.
This predicament is of concern that a statement is sent out and your representative denies such existence. I therefore demand that you provide me a copy of my lease payment history and all the billing record you have in regard to this account. I also demand the explanation of such amount due fluctuations, and why your statement does not reflect your representatives collection view.
I am submitting a copy of this correspondence and request to the CFPB and request that you give this matter your immediate attention.
|
| 01/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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On XX/XX/2017 I bought a BRAND NEW XXXX XXXX from XXXX of XXXX for {$36000.00}. The Bill of Sale said the truck was " New '' and had VIN # XXXX.
I put 10 % down in cash and financed the remainder of this truck with Toyota Financial Services.
However, XXXX of XXXX did not provide me the truck on my Bill of Sale. They actually provided with a used and defective truck -- with over $ XXXX in body work and a complete engine replacement -- with the VIN # XXXX.
Over the course of the next 79 days XXXX of XXXX attempted to keep me in the dark all the while knowing that they had given me the wrong truck. Instead of trying to fix the problem by giving me the truck listed on my Bill of Sale, they attempted to do a " title swap '' which would have stuck me with the pre-owned and defective truck and not the truck I had purchased on paper.
XXXX of XXXX went to great lengths to keep me in the dark about the fact that they had actually given me a used and defective truck ( see attached complaint ). Nearly three ( 3 ) months later I received the correct truck but neither XXXX of XXXX nor Toyota Financial Services has helped me correct the financial situation.
Specifically, I should not be responsible for the car and insurance payments for the 79 days where I did not even possess the new truck as a result of their intent to defraud me. Additionally, the XXXX XXXX XXXX depreciated greatly over the course of those 79 days leading up to XXXX ( by {$6300.00} according to XXXX XXXX XXXX XXXX XXXX ) so the final purchase price would need to be adjusted for depreciation.
A full and complete complaint, with exhibits, is attached.
|
| 05/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is an official grievance against Toyota Motor Credit Corporation situated in XXXX XXXX XXXX XXXX Mail Code XXXX, XXXX, CA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting an flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of claim and in which they have not been able to present, per the FCRA. Regardless of my goals to resolve this unpleasant nightmare for a number of months now, Toyota Motor Credit Corporation has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business.
Below is the account I had Disputed earlier : TOYOTA MOTOR CREDIT CO, Account # XXXX, Date Opened XX/XX/2010. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates, but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon.
I am attaching the relevant document as proof and my small claims form ready to file a court case against them should they fail to comply
|
| 08/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
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My name is XXXX XXXX, and no third party is involved with submitting my complaint. On XXXX XXXX I entered into a consumer credit transaction with Toyota Financial Services when I filled out an application to use my right to extend credit. Since Toyota Financial Services operates under Truth in Lending, I was surprised to see that they required a " down payment '' from me per 15 US Code 1605 as it is illegal to mix consumer credit transactions and cash down. I have made payments without a late payment the last year. However, I was reviewing my contract and realized I have over paid my contract and that the contract has been paid in full. Per US Code 1605 the finance charge is the sum of ALL charges in any consumer credit transaction and I have paid well above the finance charge listed in my contract. I have talked to Toyota Financial Services customer service line multiple times to try to resolve this issue and they have hung up or failed to help. I have recorded these phone calls and many of their representatives have willfully and knowingly given me false and inaccurate information regarding the existence of their " required '' down payment and finance charge. Toyota Financial Services is now in violation of 15 USC 1611 and can be held criminally liable for willfully and knowingly giving me this false and inaccurate information and for failing to comply with any of the other requirements under TILA. Furthermore, they have caused me emotional turmoil and distress with repetitive phone calls on a balance I do not owe as well as reporting my late payments to all three credit reporting agencies ( XXXX, XXXX, XXXX ).
|
| 12/27/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
XX/XX/ I singed a contract for the lease of a XXXX XXXX XXXX. During this transaction, I fully disclosed I was XXXX XXXX military. I provided my military Common Access Card, and a copy of my LES which in turn I was given a {$500.00} military discount. Aside from my full disclosure, there are other options for financial institutions to utilize to determine if the borrower is in the XXXX XXXX. During this time, I was offered GAP Insurance for {$990.00} in the finance department. I agreed to this item without realizing this item is prohibited from being offered to XXXX XXXX military under the Military Lending Act ( MLA ). XXXX XX/XX/XXXX I had spoken with the base JAG and was informed since the financial institution did not follow the MLA the lease agreement was null and void. I followed by contacting Toyota Financial Services the same day to discuss the error. I stated the contract was null and void due to a failure on their part to abide by the MLA. I called on two separate occasions. The first person I spoke with only put in a SCRA request and said someone would call me back. I waited about an hour but called again and spoke with a gentleman. He told me that although the GAP is not allowed I have to remove it and resign the contract and if I do not resign the contract and hand in the car then it will be reported to the credit bureau as a " Voluntary Surrender '' and will negatively hit my credit. The problem is the current contract is not binding due to illegally selling me GAP insurance. Toyota Financial Services have threated negative action because of their failure rather than trying to rectify the situation.
|
| 10/03/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
In XXXX, we returned our lease vehicle to XXXX XXXX XXXX XXXX ( RI ) that was leased through Toyota Motor Credit Corporation ( TMCC ). A few months after turning in the vehicle and being told that because we were leasing another Toyota vehicle we would not be charged any wear/tear fees, we received an invoice for {$720.00} for wear/tear/tax and other miscellaneous receivables. We fought this invoice but ended up paying the {$720.00} through XXXX XXXX XXXX and that check was cashed on XX/XX/XXXX. A few weeks ago I was contacted by XXXX XXXX XXXX stating that I owed an outstanding balance of {$260.00}. I advised them that I had cleared up my balance with Toyota and requested a copy of the bill they claim I owe. I received a " Validation of Debt '' from XXXX XXXX with a letter from them stating the balance they claim I owe and a copy of the {$720.00} invoice ( that was already paid ). I spoke to representatives at both XXXX XXXX and TMCC and neither company could verify this amount in their systems, TMCC representative XXXX on XX/XX/XXXX stated he was unable to see this remaining balance in the system and the only amount he could see was the {$720.00} that was paid. I advised both companies that I would pay the invoice if they are able to provide me with an actual invoice outlining what the charges are for. I have requested XXXX XXXX to cease and desist contact with me and my relatives and will be sending a letter to TMCC demanding a letter stating that my account is paid in full and no future collection agencies will contact me, and to update my credit bureaus, if in fact this was reported to the credit bureaus.
|
| 08/19/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I have two issues. First being that Toyota Financial Services for Car Loans has changed when you are able to make a payment. For example, if your due date falls on the weekend, you are no longer able to schedule your loan payment on the weekend. The payment has to be scheduled at some point during Monday through Friday. Otherwise, you are considered late, if the payment is made after your due date AND past the " grace period '' that they allow. The primary and I were never notified of this change. I feel that the non-notification and the change are deceptive, unfair, and pose a huge FCRA risk as the customer can be reported past due to the CRAs because of the lack of awarness that TFS failed to provide for the payment scheduling change. The second issue that I have is I was in XXXX over the last 4 weeks and needed to make my XXXX XXXX car payment. When I clicked on " make a payment '' I would receive an error message or it would time out. I tried this over a course of 7 days and on different devices ( iphones & ipods ). I understand that I could have scheduled the payment before leaving but I assumed, in the XXXX century that we are in, TFS 's site would be capable of handling my request from over seas. However, I learned thats not the case. Yes, I could have called TFS but it costs an arm and a leg to call and there is a XXXX hour difference. I had to ask a friend in the US to login and make a payment on my behalf. I should n't have to do this. I also feel that this is misleading and deceptive. A way for TFS to charge a customer a late fee and report them potentially past due to the CRAs.
Sent from my iPhone
|
| 08/23/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Hello, I wrote XXXX this letter and they stated to me that there was nothing that they could have done to help me.
( Dear XXXX, I am writing to explain the late payment that was reported on my credit report in XXXXXXXX XXXX XXXX At the time, I experienced an unexpected financial hardship due to a family emergency, which required me to take time off from work and incur additional expenses.
Unfortunately, this situation made it impossible for me to make my payment on time. I was unable to secure additional funds through credit or loans, and my limited financial resources were focused on covering basic necessities and medical bills.
However, I have since regained my financial stability and have made consistent payments, keeping my balance up to date. I have taken steps to improve my financial situation, including seeking additional sources of income and creating a budget plan to manage my expenses effectively.
I understand the importance of maintaining a good credit score and take my financial responsibilities seriously. I hope that you can take this into consideration and remove the late payment from my credit report.
Thank you for your time and attention in this matter. If you require any further information, please do not hesitate to contact me at XXXX I appreciate your assistance in the removal of this 30 day late payment by XXXX in XXXX XXXX XXXX
Sincerely, XXXX XXXX ) They did not respond to me at all. I had to call the company for them to tell me that they will not remove the 30 day late report to the creditors. Please help me to remove the 30 day late mark on my credit report.
Thank you
|
| 04/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( collection name ). I find that strange since I don't recognize this account neither am I liable for it at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper verification of this alleged collection. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I begged the creditors to Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges However, this unvalidated negative account is still impacting me
|
| 07/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
On XX/XX/2023 I purchased a new XXXX at XXXX XXXX in XXXX Florida. I was told by the finance XXXX XXXX XXXX that my new car payment was {$680.00} a month. He also said the vehicle " came with warranty up to XXXX miles, GAP and scheduled maintenance all included '. We then proceeded to sign on a digital screen again repeating that my payment was {$680.00} with all those included benefits. At the end he hands me my document folded and packed into a medium sized orange envelope. Few days later at home I unpacked the documents to create a file and saw my copies of the contract. In it I saw a payment of {$870.00} dollars and an itemized description of all the " included benefits '' he described with dollar premiums on the contract. I was in shock and in research realized that those products were optional and i was never told. I immediately called XXXX XXXX and asked for an explanation and demanded that the deal be rescinded. His answer was that my reaction was typical and that I could trade out of the vehicle in 6 months. As a single mother I really feel that I was taken advantage of for trusting what I thought to be a reputable dealer. I have limited to no resources and can barely afford this. I would have never agreed to a payment of {$870.00}. I sincerely feel that as a woman I was taken advantage of in more than one way. I don't even have the means to afford legal counsel in order to assist in fixing what I think this is. This person is trying to get away with fraudulent and malicious intent. The dealer is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX Florida XXXX. Phone number is XXXX XXXX or XXXX
|
| 10/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
XX/XX/22 XXXX XXXX XXXX I received email from Toyota Financial Services with a verification code and instructions to call them at XXXX if I did not request the code. I called them and reached a rep who said they have no record of this. She submitted a request to have it looked into and transferred me to fraud dept. I was put on hold and i hung up after so long.
Called again, got another rep who was not friendly and tried to transfer me to Fraud dept but she disconnected the call in process.
Called again and asked for this to be escalated and to speak with manager and the request to do so was declined. Rep said she would put in request to IT department to have this looked into.
XXXX XXXX XXXX and spoke with rep. She contacted Toyota Finance and then provided me with same information that they did. Said she will submit request to have looked into.
I am frustrated that Toyota company sent me this verification code email and has no record of it and refused to connect me to a manager or to escalate.
For the record, this comes on the heels of my having a payoff request sent from Toyota Finance to my credit union ( yesterday ) as I am working to refinance this loan with the credit union. I contacted credit union to ask if they may have contacted Toyota to access my account and they responded saying that they did not and never would do so.
This protocol-based, merry-go-round lack of accountability is exactly why consumers have problems resolving identity theft issues. The companies themselves use protocols that are designed to get the case closed asap and not necessarily resolved for the consumer.
|
| 09/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have sent in my notice of rescission letter to XXXX on XX/XX/2022. In my letter, I stated multiple violations made in my contract and my right to rescind 3 years after consummation ( they did not send me 2 copies of my right to rescind ).
I received a letter from XXXX on XX/XX/2022 that says " As a validation of the disputed debt, we have enclosed a copy of the executed retail installment sale contract between yourself and XXXX ). This contract is sufficient under Texas Law to create a valid obligation from your part to XXXX and we will not rescind your contract ''.
First of all, I didn't dispute the debt. I am practicing my right to rescind my contract and XXXX is denying me that right. This is another attempt to put XXXX on notice the effects of rescission.
The effects of rescission 12 CFR 1026.23 ( d ) which states that the security interest in my contract becomes void, and I am not reliable for ANY amount ; INCLUDING the finance charge. I know that XXXX had 20 calendar days after my original notice, to return any money to me that has been given and take immediate action to reflect the termination of the security interest. In which you haven't done, according to the letter I received on XX/XX/2022.
I will be taking legal action. Attached is my Affidavit letter of truth, my cease and desist letter, and my original rescind letter. I have also printed out the codes you have violated according to federal law.
The affidavit will be notarized on paper ( the one sent through CFPB isn't signed ), everything will be sent via certified mail to your chief executive officer and XXXX of XXXX.
|
| 04/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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In XX/XX/XXXX, I was paid up on my Toyota Financial lease to XX/XX/XXXX, so I " shut off '' the automatic payments on their website. I went back into their system in XXXX to turn it back on but the system failed. I made the payment in XX/XX/XXXX when I saw the system didn't work to make my payment. I turned the auto payment on again in XXXX and it again didn't work. I made 3 payments in XXXX, along with speaking to an agent who confirmed there seemed to be technical issues and I would not have late payment markers. I close the account in XX/XX/XXXX as I bought a new vehicle. However, AFTER THE ACCOUNT WAS CLOSED, Toyota Financial added the late payment markers for two months onto my account. I again called Toyota who said that their payment system showed " odd '' automatic payment system entries from XXXX to XX/XX/XXXX. The customer service and retention reps agreed with me that there should not be late markers because the system did not appear to be operating correctly. However, the credit review team will not speak with me and will not change the late markers, which is impacting my credit as I try to refinance my home. I filed a complaint with XXXX XXXX as well, but was told that due to Covid-19, their review teams are not working and their website is not working either to follow up on my complaint. I am contesting that it was Toyota 's auto payment system that caused the two late payments in the Fall of XXXX, that Toyota told me at the time and during my complaint that these late markers should not have been applied, and Toyota retroactively added the markers only after I closed their account.
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| 09/21/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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Turned in my lease ( XX/XX/XXXX ) after a dealer incentive to buy a new car. I was told by the dealer there would be no additional lease charges. On XX/XX/XXXX received a bill from XXXX XXXX in the amount of {$1400.00}. They drafted another payment of {$720.00} and applied it against the balance. I was told the excessive charges were for a cracked windshield and 2nd key. I turned in both keys. I got no credit for tuning the car in approx 12,000 miles under the contract limit and was not told of any additional charges before buying the new car. The dealer did involved and I agreed to pay a final balance of {$340.00} to XXXX XXXX which they said would bring balance to XXXX and the dealer reimbursed me as well.
Now over a year later, I received another bill from XXXX for {$360.00}. I was told I was lucky this was n't turned over to collections and it would be if I did n't pay it. I was told the additional fee was added because I did n't buy a new car from XXXX. I told him I did buy a new car the day I dropped this one off. He said he did n't see where I purchased a new car. I told him to check with the dealer. He then asked if I financed the car with XXXX. I told him that I financed the new car with the bank chosen by the dealer which was XXXX XXXX XXXX. He said that explains it and they would have waived the fee had I financed with them. I did n't so I have to pay them the {$XXXX} over a year after turning in the car and paying the amount agreed in XX/XX/XXXX. He also said I should have read the contract more carefully as it allowed them to charge the additional fees whenever they want to.
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| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am showing 2 derogatory accounts on my credit that I have disputed in the past with all three credit bureaus. The only credit bureau that continues to report the accounts in question is XXXX. XXXX has blocked my report and refuses to report a score for no reason other than a previously reported identity theft to them. Also with the accounts that are in question both accounts have incorrect information the Toyota motor leasing was found not even to have my Social Security number these were a result of ID identity theft. When Toyota motor credit leasing was questioned they originally admitted that they had my social as ending in XXXX, ( I do not have the account number but it is included on page 23 of 36 on my credit report attached ) this is not my social and all of the information on the application was incorrect did not match me it was a result of identity theft. The next account coming from XXXX XXXX XXXX I have disputed on several occasions. XXXX XXXX XXXX continues to reseal this information to different debt collectors after they have been advised that this was a fraudulent account as a result of identity best. XXXX XXXX XXXX has been negligent in selling this information to now professional account services. I just disputed the same bill on multiple occasions from two other debt collectors that I had to dispute and have the same account removed for {$150.00}. This has been a burden and XXXX has been the only company to continue to violate the law by reporting these items even though I have supplied them on multiple occasions with disputes and police reports showing identity theft.
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| 01/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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In XX/XX/XXXX we purchased a XXXX XXXX fuel cell vehicle from our local dealership. The vehicle takes hydrogen fuel. During the purchasing process I inquired about availability of hydrogen fuel and was told ( quote ), " There are three stations in the area and two more will be opening by the end of XXXX. Getting hydrogen is not a problem. Its just like going to get regular gas in any other car ... '' ( end quote ).
Well, this is simply not true. I decided to track the three fueling stations in my area. In a one year period ( XX/XX/XXXX to XX/XX/XXXX ) the fueling stations have been down, for various reasons, for a total of 235 days! That's almost a full year of unavailability!
During this time I have only been able to use my XXXX, which is my only vehicle, a total of 8 months! That means it has been sitting in my garage, unable to use, for 4 months! And now, in XXXX of XXXX, all fueling stations have been down a total of 16 days. In just one month!
So, I have a car I can not drive but I am paying a car payment on.
I contacted XXXX on multiple occasions. They have offered to pay for a rental, but there are NO rentals available because the XXXX owners have rented all of them out. So, I have no transportation to get to a brand new job ( I was out of work for 6 months while still making my car payments ), no way of refueling my vehicle, and the only option is to get a rental and pay for it out of my own pocket ( which I can't do since I have been unemployed ).
Toyota Financial Services will not offer any payment relief, even though this is not my issue nor am I the cause of the problem.
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| 12/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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Beginning XX/XX/XXXX, XXXX XXXX XXXX engaged in a scheme securitization scheme. XXXX XXXX XXXX sold and transfer contract to Toyota Motor Credit Corporation, then sells the account to XXXX XXXX XXXX XXXX XXXX, who created the holding/issuing entity XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owner Trust securitizes and transfers the securities certificates back to XXXX XXXX XXXX XXXX XXXX XXXX who then sells the security certificates to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX then sells the certificates to investors while simultaneously collecting offering from investors. After the offering proceeds are collected by XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, aforesaid proceeds are then transferred to Toyota Motor Credit Corporation then transfers the funds the the trustee, XXXX XXXX XXXX XXXX.
Complaint Includes : Auto loan securitization and debt collection scheme Unjust Enrichment Violation of the Fair Credit Extension Uniformity Act Violation of Fair Debt Collection Practices Act Intentional and Negligent Infliction of Emotional Distress Racketeer Influenced and Corrupt Organizations Mail Fraud Request for Relief Complaint and requested documents were sent via Certified Mail to XXXX XXXX, XXXX XXXX on or about XX/XX/XXXX.
Pursuant the Freedom Act Audit Trail Calculation of Balance Accounting Records ( Private and Public ) Accounting request regarding list of collateral or statement of fact Notice of Billing Error Cease $ Desist Notice Requested documents have not been received as of XX/XX/XXXX.
Federal Lawsuit was filed containing all defendants on XX/XX/XXXX.
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| 09/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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Web |
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I traveled to XXXX, IL and went to XXXX XXXX of XXXX XXXX to look at a used vehicle. The price online was reasonable, I drove the vehicle, and decided to proceed with the purchase with the condition of obtaining pictures of the underneath of the car to ensure no damage or issues. The vehicle was currently being used a demo for their Operations Executive. The Sales Representative assured me that the pictures would be taken and while waiting we negotiated. The Sales Representative brought back a paper that included the advertised price plus additional substantial fees for lo-jack and a ceramic paint coating- all over {$5000.00}. I declined those add ons and was told they were already on the vehicle and I would have to pay for them. I advised the Sales Representative that these additional fees were not disclosed on their website and not legal. The Sales Representative said that all cars come with it and its non-negotiable. They advised they would work on price and would take pictures. I left and conducted follow-up and got the run around regarding the pictures. I was told by the Sales Manager that the Executive took the car home and after escalating was told the car was already sold with the other party buying the vehicle with all the add ons. This company used unethical sales tactics, pressure, and deceptive marketing. The least sophisticated consumer would be scammed into paying for these add on products without knowing they are not permitted. This company needs to be investigated or shut down. There are multiple reviews expressing the same concerns of mine. Something needs to be done.
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| 12/08/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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My husband and I have been Toyota owners for over 20 years. We lease our vehicles, and replace them every 3 years so I have had lots of interaction with Toyota. Most recently, we both upgraded to XXXX, and I elected to turn in my XX/XX/XXXX Toyota Prius after a year and a half into the 3 year lease. I am disappointed that I missed the single notice from Toyota ( Toyota sends ALOT of mail ) 4 months after I turned in the vehicle for an additional {$700.00} due, only to be referred to collections 21 days later. Additionally, my husband received his final bill on his lease for mileage within 30 days.
I called Toyota Financial Services and the manager indicated they are not able to help me.
I have called the collections company, XXXX XXXX 3 times, and left messages for 3 different people. Before XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, at XXXX.
I emailed Toyota Motor and they referred me back to Toyota Financial. I 've emailed Toyota Financial earlier today and am waiting to hear back.
I am VERY disappointed that A ) I am not able to find out what the charge is for ; B ) Toyota only sent one notice ; and C ) This company who Toyota has agreed to do business with has the ability to impact my credit wont return my calls.
I am so upset that I am trying to resolve this issue and I am not able to get anyone who can and will speak with me. I am very concerned about this impacting my credit and I have a hard time understanding after 18 months with this car, what the issue might be.
Finally, I am spending way too much time trying to resolve this issue which is beyond ridiculous.
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| 07/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have a car loan with TOYOTA MOTOR CREDIT ( XXXX XXXX ) and I was using their new FINACIAL app to pay the monthly installments. However, due to an error in their FINACIAL app, I was paying more than double the monthly installment to the extent that the due date on the paper statements, I received from the company, was three months from the statement date!! My XXXX credit report shows that the reported monthly installments by TOYOTA MOTOR CREDIT was XXXX on some months which means that the account was over paid!!
I contacted TOYOTA MOTOR CREDIT ( which also takes care of XXXX loans, like mine ) and they admitted that their FINACIAL app was not working properly and they waived the late fee on my account as I told them I had to stop using their app for payment until I avoid any over payments from my Bank account, during the course of such switch, a payment was not promptly sent!!.
The credit report history for my payment with TOYOTA is Crystal clear and shows the over payment on the account.
Now the payment is current without any over payment since I stopped using the app and started paying directly from my bank account.
I disputed the late payment with TOYOTA and they apologized of the false reporting of the late payment on the account without admitting to the error on their newly developed app.
I need my credit report to be cleared from this late payment as I explained the reason behind it earlier. Also, I have other revolving accounts on my credit report that are all have perfect status..
My credit was more than XXXX before reporting the late payment and it is now XXXX!!
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| 09/10/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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When I got a new lease of a new car from XXXX XXXX of XXXX in Spring of 2015, I was offered floor mats for a fee of {$100.00}. I declined. At the conclusion of my lease of a XXXX XXXX XXXX, I was presented with end of lease fees. Included in those fees were ( 4 ) {$35.00} charges, totaling {$140.00}, for missing floor mats.
I have tried repeatedly to address this with TFS ( Toyota Financial Services ), the dealership, and the Toyota Customer Experience Team. My case # with the Customer Experience team is XXXX. The agent I have worked the most closely with on this team, named XXXX, told me over the phone in XXXX that the dealership admitted to her that they did not include floor mats in my lease. The dealership has promised me ( in early XXXX ), and XXXX, in late XXXX, that they would pay the {$140.00} fee directly to TFS, since TFS is demanding payment, despite my not having received these floor mats at any point during the lease.
Despite their admission, and promises, the dealership has not remitted payment to TFS in the amount or {$140.00}, nor any amount. TFS claims the dealership contacted them on XX/XX/XXXX to do " research. '' The customer experience agent XXXX claims the dealership has promised to call her back to resolve TWICE, with no call actually made. I am getting nothing but the run around and lies from the dealership, and the Customer Experience team is no longer being helpful ( three times they have promised to follow up with me only to never call ). Of course I should not owe money for a product I never received, and Toyota needs to figure this out internally.
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| 10/10/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
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In XX/XX/XXXX, I leased a new XXXX XXXX, and i purchased GAP Coverage through Toyota Motor Credit Corp. In XX/XX/XXXX, the XXXX was totaled as a consequence of being struck by a truck on the XXXX XXXX. The truckers carrier, XXXX XXXX XXXX XXXX. XXXX, ( XXXX XXXX XXXX ), accepted full responsibility for the accident and negotiated a settlement with Toyota Financial Services - which Toyota accepted. I had nothing ot do with the negotiation. Toyota financial devised me that the settlement - $ XXXX didnt cover The amount due XXXX the lease and th at I still owed {$5200.00}. I submitted the claim to Toyota Motor Credit for GAP Coverage. IN XXXX XXXX, Toyota Motor Credit advised me that I had to submit a report justifying Toyota, s acceptance of {$30000.00} in settlement f the claim, This Request, though patently ridiculous, was nonetheless passed on to XXXX XXXX XXXX an d it then repeatedly sent to Toyota all the documents it had regarding the settlement. Toyota repeatedly said that. The reports were insufficient, but failed t address th e insufficiency, After a while, Toyota elected to stop trying t collect from its own subsidiary Nd then reported that I was a delinquent debtor under the lease and that it had referred the matter ot collections. When I protested this, it then reported that it had charged off the debt and thereby damaged my credit.
Its. Actions were vindictive, wrong and ignored my GAP Coverage fr hwic I had overpaid at the time I firs leased the vehicle. Thy have persisted in this stance sinceXXXX and ave refused t o properly secure payment from their own subsidiary.
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| 04/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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I purchased a car with my daughter from Toyota of XXXX on XXXX XXXX, 2016. Around a week after being approved i questioned the finance terms that were in our loan. The next thing i know they are trying to make me pay to be financed at a lower rate thru a different lender than i was already approved for. I declined the offer for several reasons but now 3 weeks later Toyota calls me saying that Toyota motor credit wont allow my original loan to be processed because I 've been offered a better deal. Fair lending laws wouldnt allow it so i had to sign the new contract. Even though we where not even informed about the terms of the new contract until the day that she called saying my loan wasnt approved. She claimed to have offered to lower the sale price of the car as well as lower the price for the warranties and extra coverages that were included in the car loan while we were talking in her office but she never mentioned any of this to me or my daughter when we sat on her office. All she mentioned was lowering the interest rate to 7.5 % upon approval which would save us {$40.00} a month to equal {$3000.00} over the whole term of our loan. The finance company has done nothing but mislead me at this point as well as attempt to charge me unnecessary amounts of money to get financed for a car. When the finance manager kept insisting that i sign the new agreement i began to feel threatend especially when the she said that she would send somebody to me to get the papers signed by me. Thats when i informed her that i was seeking legal advice. I have attached supporting documents. Please help
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| 05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
|
| 02/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
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Two Issues With Toyota Toyota Financial Services/Leasing with No Resolution To Date ( 3 years and counting ) 1 ) Toyota Financial Services/Leasing has in error posted 2 late pymts on my credit report XXXX & XX/XX/2019. In spkg to over 30 agents over the past 3 years, this is hurting my report. TFS/Leasing misapplied pymts to my taxes/ hov fees vs my lease pymt. According to the lease contract, I am required to have lease pymt on time to maintain pristine pymt record. I have done that. After spending hours on the phone... finally got to a rep that " researched the acct ' and found tht it is their error. They reversed the late fees on my acct and never reversed the 2 late pymts. Said tht I would have to go to the credit bureaus to dispute and they wld approve the deletions of the 2 lates. I have disputed over and over again to all 3 bureaus, and it is STILL not deleted. Im exhausted and feel completely taken advantage of.
2 ) With my lease, I have a hov pass in my car. When hov fined me for tolls I paid my hov tolls directly to hov va. Tolls posted directly to my lease account, as they post to your lease acct in the state of VA XXXX This is problematic by itself. I sent Lexus confirmation of my payment over and over again. I have spoken to over 20 agents on this alone. STILL they have not reflected my balance as {$0.00} for hov tolls ( and they have the receipts ). Lease is almost over and I dont want them to try and rob me by saying that I owe for tolls that I have paid. Help! This is my last resort for help on this account before having to secure an attorney... unnecessarily.
|
| 02/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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I bought a Toyota XXXX from XXXX XXXX dealership on XX/XX/2020. My dealer 's name is XXXX, he is the finance manager there. When I bought the car he lied to me about the process of buying a car from their dealership. He told me that I would have to just sign a few documents at the time of the purchase and that he'll forward the contract to my address by mail within a couple of days and if I have questions about it he told me to contact him. So he never told me about any optional service agreements other than the gap insurance. So I bought the car on XX/XX/2020. The contract documents never arrived at my address so I called him, emailed him so many times, but he never answered or replied. So I went to the dealership and got a copy for my self and that's when I learned about the optional service agreements. So again I called, texted and emailed him to remove the optional agreements that cost additional {$7000.00} on top of the car price. He never answered or replied to me. Every time I went to the dealership they would say he's on vacation or out or something. After visiting the dealership about 20 times other than calling, emailing and texting about a XXXX times. I finally found him at his office on XX/XX/2020. He agreed to remove the optional service agreements and he gave me a signed paper with a cancelation date. Eventhough it has been almost a year, the service agreements were never canceled. I'm paying additional {$7000.00} with interest for 60 months because he refused to cancel. Please I need help or I'll have to find a lawyer and sue the company and him for fraud.
|
| 08/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
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I have a car loan with Toyota Motor Credit Corporation.
ALL payments have been made electronically and on time for the last three years.
I paid two car payments - XX/XX/2021 and XX/XX/2021 before the payments were due. Specifically, I paid the XX/XX/2021 payment, which was due on XX/XX/2021 on XX/XX/2021, and I paid the XX/XX/2021 payment, which was due on XX/XX/2021 on XX/XX/2021.
In or around XX/XX/2021 I received a notice that my car loan was 30 days overdue and I paid another loan payment on XXXX XXXX, 2021. In total for the two months of XXXX and XX/XX/2021, I made three payments - BEFORE they were due. None of those three payments have been properly applied to my account and remain pending. Their electronic system acknowledged the payments - but indicated the payments were pending. Additionally, that system said that they were charging my account extra fees for late payments.
I called their loan service department to clear up the issues on XX/XX/2021 from my husband 's cell phone XXXX. I attempted to contact a customer service representative. Their system said that they would return my call and hold my place in line. I did not receive a call back. I called them again and the system indicated they were closed.
The system is not properly crediting my payments, and is incorrectly assessing late charges. It is not clear to me whether they are attempting to take possession of the vehicle - but any such movement would be illegal, and a breach of contract as I have paid in conformance with the contract. They have failed to timely respond to my communications.
|
| 06/08/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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Firstly, I was part of a class action lawsuit against Toyota Motor Credit handled by the CFPB. I was co-buyer with my daughter of a used car from XXXX XXXX XXXX in XXXX, NJ. I did not know that I was the primary buyer at the time because I read and signed all documents on a small electronic screen. They told my daughter that she needed a co-signer and that was what I thought. I was aware that should she fail to pay her note that I would be responsible. The problem with that is she was the only one receiving the billing documents. At some point I did receive the calls that she was behind and I did make effort to catch her up. Her car ended up being repossessed. Sometime after, I received a letter that if I wanted the car I would need to have the total balance for the car plus added fees necessary for repo. There was no way I could come up with the amount asked for in that amount of time.
Some time after, I received notice from the Superior Court of XXXX County to appear in court. I thought it was a scam at first, honestly because I did not receive a certified letter.
Also, had I gone into arbitration, I would have given up my right to be part of the class action law suit according to my contract with them that is stated on page five of their contract ( included on last page of attachments ). That contract also states should I be part of a class action lawsuit against them It would void that contract.
XXXX XXXX XXXX used unfair loan practices and Toyota Motor Credit is asking me to pay them. This repo is reflected on all three major credit reports as a collection.
|
| 11/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2021, I paid my monthly car payment to Lexus Financial Services via their app as I have every month - using the same bank account - as I always have. On XX/XX/2021, my credit monitoring services started alerting me to delinquent account from Lexus Financial Services. This one error plunged my credit score by in excess of 25 points on all three credit bureaus. I checked my bank account and no payment had been presented- and even if it had, my bank would have paid the overdraft. In addition, in the 20 days, Lexus Financial Services never alerted me - via phone call, text, email or even within the app - that the payment had failed due to the faulty app. This error caused my auto payment to be marked as delinquent when it was not. Lexus acknowledged that the error was theirs and that they had been having problems with the app. The customer service rep told me she sent a corrected credit market to the 3 credit bureaus to correct this problem. I explained that I needed this corrected immediately ( within 48 hours ) as I had applied for a mortgage, and had paid all my credit cards off to enhance my credit score, in preparation for my monthly update to my credit score on XX/XX/2021. I have checked incessantly and this error has not been corrected. In fact, a call to Lexus Financial Services indicated that I would have to write a letter - and send via regular mail -explaining the error to get it corrected. This is unconscionable. Please get this derogatory credit mark off my credit report as soon as possible - my mortgage and earnest money deposit are in jeopardy.
|
| 09/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
To All Concerned, I have been mistreated as a consumer in regard to the reporting of my car loan. I have been with Lexus Financial Services for years and have never missed a payment and I have never been late. In XXXX of 2022, I was recommended by a Lexus Financial Services representative to try their automated payments program, which would allow the payments to be extracted from my Business checking account via ACH. The initial payment for Toyotas automated payment program was done successfully on XXXX.
This led me to believe that All was set. Yet, Unbeknownst to me, the payments thereafter were not collected, seemingly due to systems or tech error on Lexus Financial Service 's end. Lexus Financial Services never informed me that I was late in making any payments, nor that payments were not being automatically debited from my account. As soon as I discovered this on my own, I made the payments immediately. However, we were already 2 payments in, resulting in Lexus Financial Services reporting me as late on my credit for their error.
I have pleaded with this company to remove the lates as they were apparently the result of a tech or systems issue or their administrative error in not properly handling my enrollment in their automatic payments program.
I have Never been late on my car note and I have certainly been an excellent customer at Lexus Financial Services. But this has caused me and my family great stress and financial hardship to be unjustly reported as late on our credit as a result of their own error.
Please help us, correct this horrible wrong!
|
| 02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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To whom may be concerned : Re. Loan number : # XXXX On XX/XX/2020 I called Lexus XXXX Customer Service Department because I notice that THEY report a 30 day late payment on my credit reports.
When I always make my payments on time. The agent told that XX/XX/XXXX payment was not received on time. I explain to her that I made a payment on XX/XX/XXXX approximately at XXXX using the lexus XXXX payment portal online. I added a new checking account ending in XXXX and then I proceed to submit the payment for XXXX.
Apparently that payment never go through their system, but I notice that on XXXX when I was trying to make the XX/XX/XXXX payment. Because on an error of their online portal system the payment never was receive and I get hurt my credit score going down 112 points.
Im really frustrated because I never have failed Lexus XXXX my payments. The agent just told me on the phone to write this letter disputing that the late payment was incorrectly reported. I demanded an investigation on their online system that date, I now that I submitted that payment.
Im courteously requesting to update my credit report to no late payments, because its currently hurting my score and is costing me a lot of money. Also because it wasnt my fault.
As today my account is up to date and current with them. I asked them sending a letter by fax on XX/XX/XXXX XXXX then I received and response that they are not going to investigate furthermore because they think that i missed a payment.
Thanks for your prompt attention to this important matter, XXXX XXXX XXXX Loan number : # XXXX
|
| 03/04/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I received a bill for excess wear and use related to the end of a lease for a XXXX XXXX. The bill was dated XX/XX/2018. Upon review of the inspection report, I discovered significant damage to the rear bumper of the vehicle. There was no damage to the vehicle when it was returned and exchanged for a new XXXX XXXX. The salesperson XXXX XXXX XXXX XXXX took photos of the car when it was returned. Upon receipt of the inspection report and the bill, I contacted both Toyota Financial Services and the dealership. Both promised a review of the file and that they would get the photos from the salesperson to confirm there was no damage to the vehicle when it was returned. I emphasized to both parties -- especially since they insisted that I was at fault for not getting a pre-inspection prior to returning the vehicle -- that I was not told of the opportunity for pre-inspection until *after* I had exchanged the vehicle. Toyota Financial Services promised a call back from the escalations desk in XXXX hours. No call was received. Eventually, I received a revised bill which indicated that they had removed {$100.00} for " excessive stains '' on the seats. The {$460.00} charge for the bumper remained. Eventually, after being unable to contact anyone at XXXX or the dealership to resolve the issue, I paid the requested amount to prevent further collection action. I then spoke with a representative on XX/XX/18 who indicated I had been misadvised as how to handle a dispute and that I needed to write a letter to Customer Service XXXX XXXX. I did as directed and XXXX never replied.
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| 08/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Im the cosigner on a XXXX XXXXXXXX XXXX XXXXI cosigned last XXXX and this company reported a payment over 30 days late. On numerous occassions i told them since i was the grantor of the loan for payments when not made by purchaser I was guaranteeing the monthly payment of XXXX. I wanted to be notified even if a day late plus receive monthly statements .They said no problem and would do it never received notice for any missing payments and i made one in XXXX when it gave me notice on credit monitoring. I made the paynent and told them to plesse notify me by phone text or mail. They send me emails about howvdo i like service but cant send me one when its late and they intentionality make sure im not notified and it goes in default. My credit score was over XXXX when i guranteed the payment. The two days yhey reported late i was hit for XXXX points. I dont get any statements and they intentionality made it late without notifying me. A payment was deferred in XXXX. The initial buyer who i cosigned for set up withdrawls from her bank account bi weekly and to apply it on the due date. They didnt do it by weekly they did it either 5 days before or after due date.as grantor of this loan to not be notified is fraud on there part for they forced it into being late without any notifications to me. They didnt deny my ability to pay wheni called to inquire. I cant Force the buyer to turn in if she cant afford but cant maje payments if im not made aware of delinquency. I dont ike there whole way XXXX Financial services handled this loan and the many problems we have had.
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| 09/28/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX of Mazda Financial Service on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX took cash from me. The finance charge is suppose to include insurance, but XXXX XXXX of Mazda Financial Services made me purchase my own insurance separately. XXXX XXXX willfully and knowingly failed to disclose vital information pertaining to the finance charge and also my right to rescind/request validation of the debt.
Mazda Financial Services has unlawfully collected 11 completed payments from me on behalf of this alleged debt. Mazda Financial Services has attempted to harass me via phone regarding this debt. Mazda Financial Services has abused my rights so be it pursuant to 15 U.S. Code 1692d. I have given Mazda Financial Services an opportunity of notice to settle these violations civilly and in accordance with federal law. Mazda Financial Services response was completely deceptive and misleading, following the willful neglect to validate the debt in a manner which is admissible pursuant to law as I requested validation of debt 15 U.S. Code 1692g. As the original creditor I DO NOT validate this debt nor consent to the now void contract therefore Mazda Financial Services must remove the debt and provide remedy for the damages sustained by their willful an knowing violation of my rights. 15 U.S. Code 1692k.
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| 11/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Toyota reported I made my XX/XX/2022 lease payment late, when I did not.
The problem began when I paid my lease payment of {$300.00} on XXXX XXXX and partial payment was applied to my property tax due in the amount of {$91.00} and the rest was processed towards my payment in the amount of {$200.00}.
Toyotas system applied my payment incorrectly and I have had this issue many times in the past with them. Because this payment was not processed correctly it effected all my upcoming payments made. Toyota needs to fix the way their system processes payments. I have had to call Toyota almost every month to fix this. This XXXX payment I did not follow up on and since I didn't call Toyota never fixed it. I shouldn't have to call each month to have my payment made correctly.
I called Toyota to discuss their system issue and was told to process a dispute via my credit agency and they were unable to fix this on their end because it was a mobile payment that was made?
I was also told in the past by Toyota that your payment should be processed before amounts are applied to your property tax, but this is not what is happening at all.
Toyota refuses to fix this problem on my report when I was not in error but they were. I should not be penalized by this on my credit report when this is an issue within their system.
If Toyota would take the time to look at my payment history they can see I make a {$300.00} every month on time.
I processed a couple disputes with my credit agencies and all of them Toyota is saying there is not issue, when there is.
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| 12/04/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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XXXX/Toyota Financial ( XXXX/TFS ) erroneously charged me for excess mileage. I had 2 lease accounts ( for 2 different cars of the same year and model ), and they mixed up the 2 contracts one had 12,000 mi. per yr. ; another had 10,000 mi. per yr.
As a result, the calculation for my mileage allotment on the one that should have had 12,000 mi. per yr. was way below the correct number. XXXX/TFS claimed I was only supposed to have 33,350 mi. when shouldve had 39,000 miles.
They charged me {$1900.00} which was due on XX/XX/XXXX.
I called XXXX/TFS on XX/XX/XXXX to help them realize their mistake. I spoke with a rep named XXXX ( XXXX ), who eventually saw the mistake and told me that she has escalated the issue. She also told me to call back in 7 to 10 business days to check on the status. I asked her if I should be worried about the due date ( XX/XX/XXXX ), to which she said no, because the issue has been escalated for correction.
I called back on XX/XX/XXXX. I was upset to find out that XXXX/TFS had assigned my account to a debt collection company called XXXX XXXX XXXX XXXX.
Not only did XXXX/TFS not correct their mistake, they even made it worse by saying that they can not help me clear the issue because its with the debt collector now!
Even my attempts to contact XXXX XXXX to clear my record have been futile. All Ive gotten from them are voicemails because the rep hasnt been available so far when I have called. That, and recently Ive been given the excuse that their system has been down for a couple of weeks, so no one else can help me.
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| 08/24/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
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Web |
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I am purchasing my leased vehicle from Toyota ( XXXX Toyota in XXXX, PA ). There is a credit union offering 1.99 % ( if credit is good, and mine is XXXX+ ). Toyota wanted to do the loan, so they promised via email that they would match the 1.99 % rate, conditional upon my credit being XXXX+. I trusted their written promise, and set up an appointment to do the loan a week later ( 3 days after my official lease-end date, which they said was fine ). At my appointment, they ran my credit 4 times, through XXXX different lending institutions, over a period of more than an hour. They had realized that they could not in fact match the 1.99 % rate, and they were rate shopping at my expense for over an hour, trying to cover up their lie. They did not tell me what was happening at any point during this time period. The used car manager approached me eventually, and admitted what had happened. He even told me flat-out that what they had done ( quoting me the 1.99 % ) was not legal. Now, I am 4 days past my lease-end date, have XXXX hard credit inquiries counting against my credit score, and have to start all over with the credit union. I 'm having XXXX next week, and am now under a lot of pressure to resolve this quickly. Hopefully I will still qualify for the 1.99 % with the credit union despite the excessive inquiries made by the dealership. This is the very scenario I was working hard to avoid, and now for the next 2 years, every time I apply for credit, I will be at risk of not getting the best rates available and of my credit score dropping further.
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| 03/08/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Toyota/ Toyota financial services/ Lexus fraudulently reported and sold a debt of a closed and fully paid off account resulting in undue stress and hardship. Lease was paid in full XX/XX/2020. Toyota showed unprofessional and unethical behavior by trying to charge me for fraudulent and untrue claims of poor vehicle condition upon lease return. They requested payment for " internal melted headlights '' and micro scratches. Of note Toyota held and paid a service contract on this vehicle because it was a XXXX vehicle and had strict service requirements. Despite being serviced by Toyota several times the headlights were never found to be a problem and were in perfect working order. Also of note the vehicle was returned in excellent mechanical and cosmetic order. I contested any and all claims for poor condition. Toyota did wave the requested fee for the headlights and stated theose were due to design flaw on the vehicle but refused to waive the fee for the " micro scratches ''. Of note lease law and contracts does allow expected wear and tear on a leased vehicle, it does not allow abuse to the vehicle or damage as the result of abuse. How a car can be driven for years and not have a micro scratch is not possible and also hints to likely very large and ongoing consumer scam by Toyota to defraud the consumer out of funds at the end of a lease. Toyota illegally and fraudulently reported and sold a paid off debt to XXXX XXXX XXXX XXXX XXXX. resulting in undue stress and hardship on me. I am sure Toyota has done this to others and it needs to stop.
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| 02/13/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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In XX/XX/XXXX, I entered into a new vehicle lease with Toyota Financial. At the same time, I was in the midst of moving XXXX XXXX XXXX XXXXXXXX. I have leased vehicles through Toyota Financial for the past 5 years. During this time, I have always had my payments scheduled to automatically withdraw from my checking account, and I have not once had a late payment. With my move XXXX XXXX XXXX XXXX, there was an additional tax added to my payment that I was unaware of. Having my payments automatically withdrawn each month, I trusted that everything was okay. Over the course of the past XXXX years of this current lease, I have spoken with Toyota representatives numerous times and was never informed that I had an outstanding balance. In XXXX of XXXX, I received a letter stating that I had an unpaid balance. After receiving this notice, I called Toyota and spoke with a representative who informed me that the amount due was the difference in amount from the monthly increase ( though, she was unable to tell me why there was an increase ). Having this brought to my attention, I promptly sent an electronic payment to cover the entire balance. To my great displeasure, this incident resulted in a negative mark on my credit reportstating that I had a 30 day late payment, when in fact, I have not been late with one payment. This negative mark destroyed my previously excellent credit score. I have spent hours talking to Toyota Financial representatives and writing to the company directly to dispute this mark on my credit and requesting to have it removed.
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On or around XX/XX/XXXX my wife and I applied for credit at Toyota of XXXX ( Texas ) with salesman named XXXX who we specifically told we only wanted our credit ran once. Instead XXXX ran both of our reports a total of fifteen times with fourteen different banks. All of these hard inquiries resulted in both of our credit scores plummeting and not being able to qualify for a vehicle loan anywhere for years.
On XX/XX/XXXX I decided to try once more with the same company because I really wanted a Toyota and unfortunately was given XXXX yet again as a salesman. I expressly told him very emphatically I only wanted my credit ran ONCE, but instead he ran it five times against my will further ruining my credit where I can no longer get a vehicle loan anywhere on favorable terms. I asked him and his general manager, XXXX XXXX to fix the problem but they refuse, even lying to me by saying all of the hard inquiries during a given period only count once, which I proved wrong by emailing them screenshots of my credit report clearly showing all twenty hard inquiries that were individually made by each bank they illegally submitted me to since XX/XX/XXXX. I have received no response from either of them. My credit is ruined because of their illegal and unauthorized actions which violate the Fair Credit Reporting Act. I would like justice to be served upon Toyota of XXXX, XXXX XXXX ( General Manager ) and XXXX ( salesman ) and all of the unauthorized illegal hard inquiries to be removed except for the ones that were legitimately allowed, which are two.
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| 10/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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Step 1 : Toyota Financial Services added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. Toyota has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit.
Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a letter to Toyota explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since Toyota 's negligence has greatly impacted by ability to currently obtain a mortgage ).
Step 3 : Toyota responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : Toyota Financial Services never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency.
I would like Toyota Financial Services to fix what was wrongly done.
Companies Involved : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, Toyota Financial Services.
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| 06/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
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Web |
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I filed for bankruptcy in XXXX of XXXX. The company called everyday pretending to be a federal agency saying my bank account had be breached, my social security had been stole, I had a warrant out for my arrest, through out my bankruptcy processing. They continued to make impersonating claims of this manner. In XX/XX/XXXX the auto-dialer that made the same call every day with a different number had an dial number 1 to speak to a federal agent. I pushed one and someone on the other end responded XXXX XXXX.
My mothers car recently got repossessed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX phone number ( XXXX ) XXXX She was in bankruptcy too and they would not let up through the bankruptcy and after.
They are still calling me. I still use my car but they are calling everyday with a new number and the same auto-dialer. I have filed complaints with the Federal Bureau of Investigations, Internet Crime complaint center because i thought it was a phishing scheme but they will not let up even though I have an automatic stay. They are a creditor and can not contact me for the purposes of repossession or any restitution of the loan that was vacated by the bankruptcy filling. When I communicated with Toyota Motor Credit Corp they seemed to be in complete agreement with the way their employee did business.
The latests call was XXXX at XXXX XXXX XXXX XXXX XXXX using phone number XXXX.
XXXX XXXX XXXX at phone XXXX XXXX XXXX XXXX at phone XXXX XXXX XXXX XXXX XXXX at phone XXXX.
the list is endless every day for almost two years.
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| 04/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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I bought a XXXX XXXX in XXXX financed with Toyota Financial Services also known as TFS. I called TFS on XX/XX/XXXX and inquired about the fastest way to pay off my loan and get my title, I was advised to submit payoff on www.toyotafinancial.com, I submitted my payment on XX/XX/XXXX of the amount of {$23000.00} directly on www.toyotafinancial.com, I received a confirming email on Monday XX/XX/XXXX from Toyota payment receipt, ( email attached for docs ) also the funds were withdrawn out of my account on XX/XX/XXXX ( bank activity attached ). today is XX/XX/XXXX and my account is still showing as the open balance of the payoff amount, I have contacted TFS on the XXXX and spoke to XXXX ID, XXXX, I was advised that Toyota haven't received my payment even though I have the confirmation email and my bank statement, I requested to talk to a manager and I was told there are no managers to talk to and to call on Thursday to get a status. frustrated I waited until Thursday but couldn't get through to customer service. I called today Friday the XXXX and spoke to XXXX Id XXXX, I was told that the account is still unpaid and I have to wait until next Thursday the XXXX to get states again a requested to speak with a manager and was told again there are no managers I can speak with, XXXX inform me that they see the payment on the Toyota 's site but can't apply it to the account, she also stated that she spoke to a resolution manager and there is nothing they can do for me at this time. I need help resolving this issue, I need to get my title.
|
| 05/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Older American |
|
XXXX aNd XXXX are again reporting that Toyota motor credit Corp. has listed my closed and paid in full account on a prior lease as .charged off as a bad debt. XXXX XXXX and XXXX are either culpable negligent in carrying this listing or are being intentionally vindictive. As for Toyota credit Corp, s actions, I can only describe it as intentionally deceitful.
And the timing could not be worse, given that I have applied for amortgage loan to finance my purchase of a condominium unit.
The companies knew I had earlier filed several complaints with the Ageny regardingthis verymissue. Most recently Toyota recogjnwedsized thaits listing was dead Wrong and its aggredd to correct it then and in the future. Toyota had known that the difference in the lease tit claimed 1 had been, in fact, paid XXXX by its own policy of gap coveragethat I had purfhaased at the onset of thee Lease. Toyota isudcuts apoloygybto me, corrected its report to show that the account had been always paid on time and that in had fulfilled all my duties to it under the lease. Indeed, Toyota gave me a {$250.00} gift card to show its alleged regret.
Well this has again reared its ugkyhead, and this time Ill not be mollified by a {$250.00} gift card. I want justice!, Why has this very issu agin been the subject of the craven behavior oof toyota, with the the virtual assistance of XXXX and XXXX ''? wrondoers must be subject to a al fine, ...
We must pursue a full invrsstigstion I tot this matter and these three Wrongdoers must publicly acknowledge their misdeds.
|
| 06/21/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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Hi, I " Bought Out '' My lease from Toyota Finance about 2 months ago. Toyota then sent me a copy of my title, which had a section on the back filled out incorrectly ( The Agent that was filling this out, stamped the " tax '' section with an incorrect number, and then wrote over the number with the correct number ) When I took this to the NJ DMV, they rejected it because they claimed that no numbers can be scratched out or altered. They however stated that the Tax Stamp could be correctly reapplied to the front of the document and that a new Title was not required in this situation. I figured, " no worries, mistakes happen '' and sent this back to Toyota Financing informing them of what the DMV Manager stated, and specifically stated that Toyota Need Not send a new Title, but correct the mistake. Toyota however, completely ignored my message and shredded my title, ordering a new one from the DMV. This process has taken over 5 weeks and no communication has been made from Toyota as to when I can expect this new Title to get mailed to me or what the status is. When I call, they can not give me an update. XXXX XXXX ( The New Lender Who Bought the Loan ) is stating now that I am in violation of the terms of the loan agreement since the Title information has not been updated to reflect them as the new accountholder, and to update this ASAP. Toyota really dropped the ball on this one, and I am now requesting the CFPB step in and ensure that a new title was actually ordered by Toyota, and get an exact delivery date for this new Title.
|
| 06/27/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I leased a vehicle, it was CLEAR to me at the time of the lease that I would NOT owe a disposition fee, as I was a returning customer and also because it was NOT in my terms of the contract signed, years later, I returned the lease, rather than lease again. XX/XX/XXXX The salesman was not happy and told me as I was giving them the keys that this would be " feed ''. Rather aggressively. Obviously upset that I was taking a break from leasing a vehicle. I received a letter months later from a collection agency, NOT Toyota. XX/XX/XXXX Amount of {$530.00}. I paid XXXX for mileage owed and it cleared. ( note I never received a bill prior to collections from Toyota ) I wrote a letter disputing the disposition fee charge of {$350.00}.XX/XX/XXXX To Both to the creditor and the Collector. I went ahead and attempted to get verification that this is, in fact, a fee that is owed. NEVER received a response from anyone, received another bill XX/XX/XXXX for a settlement at a less amount from Toyota {$280.00}. NO > I am not going to settle and pay just to take it off my creidt because they are sending a bill. I sent another letter. XX/XX/XXXX questioning the settlement and amount due looking for proof etc. Again. no proof, no contact from Toyota. I sent this letter to both of them. Here it is XX/XX/XXXX and I received another letter from XXXX XXXX XXXX that I can settle at {$280.00} and offer payment plans. No verification. I called and left three messages and no response. I am now drafting a third letter and also submitting this complaint.
|
| 09/17/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
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Web |
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XX/XX/XXXX I called Toyota Financial Services to discuss my lease end options. At that time, I was told by a manager within the Customer Loyalty Team, that since I had XXXX Toyotas in a row, that my disposition fee at lease-end could be waived. I was told that all I had to do was call in to request this, after I received my final bill. Since that time ( see letter ), I have spoken to XXXX-XXXX people in various departments, had to explain my issue each time as I was blind transferred, have been hung up on, talked over, and interrupted. I have been told that if the fee waiver had been notated on the account then it could easily be adjusted, or that if only this was my XXXX Toyota - than they could waive my fee. I have even had my integrity questioned. Requests to speak to a Manager were denied, manager callbacks were promised and never occurred, and the one person who I spoke with that actually acknowledged themselves as a Manager provided the worst service of them all. I am only seeking Toyota Financial Services stand behind what one of their leaders told me would happen, and they waive my disposition fee. I have asked them to locate and review the call ( outbound call to me in XX/XX/XXXX ) and was told that not all calls are recorded. I was assured the fee could be waived, and now nobody wants to stand up and do the right thing. Had I known this, I may have decided to trade the vehicle in, as opposed to ground it - as a point of reference, the car was a XXXX mi lease with only XXXX miles on it, worth more than the residual.
|
| 04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I would like to file a complaint against Toyota Motor Company and XXXX XXXX. For several months I have been trying to get this issue resolved. Toyota refuses to speak to me and XXXX XXXX just keeps telling me that " Our client says the information is correct ''. Which is false.
I had a vehicle financed through Toyota that was deemed a total loss in 2020. My insurance ( XXXX ) paid them the FULL value of the vehicle and the remaining balance was covered by XXXX. Toyota alleges that the full balance was not covered by XXXX. So, I contacted XXXX myself and asked them why there would be any balance left over. They assured me that the full balance should have been covered and that there was no reason any balance would be remaining. EVEN if I had extensions on the account because these would have been COVERED DUE TO THE PANDEMIC.
Therefore, the balance Toyota is alleging I owe. I incorrect and it is thievery. Toyota in total has received well over the value of the vehicle and well over my original loan amount. At this point, they are being greedy and I wont allow it.
IN ADDITION, they are reporting this inaccurately to credit bureaus. They
are reporting this as a REPO which is again, FALSE. They are also reporting me as the only and sole owner of this account which is FALSE. My father, XXXX XXXX ( who is now deceased ) Was the account holder and I was a CO-SIGNER.
Lastly, they gave me TEN DAYS notice to pay this before reporting it to my credit as a bad debt.
I will take legal action if this is not resolved.
THANK YOU.
|
| 11/23/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Servicemember |
|
The original lease was created in the State of Louisiana on XX/XX/XXXX. According to the Recovery Dept. with Toyota Financial the current amount owed is {$23000.00}. My original car note was {$480.00} per month but after taking a medical sabbaticle my wages changed and a decision to hire me again after ACT 715 was not reversed in XX/XX/XXXX. Therefore, future jobs consisted of day labor work beginning from XX/XX/XXXX to XX/XX/XXXX. I also am a caretaker for an immediate family member who is the spouse of a veteran. She is included as a co-borrorwer too.
At the time the lease ended in XXXX I was making less money and working a day labor job with XXXX XXXX. XXXX insurance had terminated including all warranties in XX/XX/XXXX. I was not notified about this. I have tried to return the car without repairs and trade it in like is. I have not had luck with refinancing options either. The car is at a local mechanic shop waiting to be repaired. I had to cancel several Toyota Diagnostic Appointments due to cost to repair engine of {$3000.00} plus.
The recovery department with Toyota Financial accepted small payments but the dealership would not trade the vehicle due to its condition. After taking it to a local Toyota Shop it was too expensive to repair. I then began to contact banks about a cure for refinancing and taking out small loan for repair. I have had no luck due to credit hx from disasters and low paying jobs. Still seeking a cure the refinancing options and because at the time the lease matured my income was too low.
|
| 02/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
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|
Toyota Financial Service representatives are very rude when I was questioning the basic information regarding my loan, the confusing nature of their website, payment of the loan, and the misinformation their website and bills displayed to me said representatives hung up the phone and the call dropped at least four times over the past two weeks. Representatives mislead me to believe that the loan will be adjusted and misled me about the time it would take to adjust the loan. Originally said it would take two business days for the adjustment to mirror on their systems but after those two business days, it turned into four business days, and then it turned into six business days every time I called. They basically gave me false information regarding said information which other representatives backtracked, and said this would not be the case one week later, after calling multiple times during the week. The website contains a section for a remaining balance on the loan, but that is not the payoff amount that is just the remaining balance minus the interest, therefore misleading anyone paying off the loan to believe the payout amount is less than what it actually is, therefore, allowing interest to still be accrued, and a balance due to be owed. The website is basically displaying fraudulent information as the information is not true whatever remaining balances on the loan should be the actual remaining balance, not the remaining balance of the principal, but the remaining balance of the loan itself including the interest.
|
| 02/05/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
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I had the following account with XXXX XXXX XXXX for the last several years covering two cars. XXXX. Both of these cars were paid monthly using the autopay feature of the website. The lease on this car ( XXXX ) was extended by me over the phoen with XXXX. I was unaware at the time and was not told the monthly payment ( on the same ar was actually going up ) Either way that affected how the XXXX autopay system works as it was paying the old amount. The original payment was {$320.00} and the payment rose to {$340.00}. The autopay should have paid the entire payment which was due, not the old payment. That is highly unusual to set an autopay and the proper payment is not made.
I called and was told that I had to manually turn off the autopay to make the payment and turn it back on which I did. I was then out of the country for several weeks and was unaware of any issue. I came back and once notified, this was corrected immediately.. In order to do this I had to turn off the autopay to make the {$79.00} payment. After making that payment I turned on the autopay which had been on covering both of my accounts for several years. Any issue that happened was a technical issue on the website. I have documented that every single payment on both of my accounts was always paid on time and on autopay since the loans were opened.
I called the company on XX/XX/18 and they were unwilling to resolve this matter without me making a formal complaint. They have market my account delinquent which has a very negative impact on my credit.
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| 09/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I purchased XXXX Toyota Truck on XX/XX/XXXX. i finance my vehicle from Toyota Financial services. my regular monthly payment $ {$620.00}. I was paying my monthly payment regularly. I do have documents. I made a future payment with Toyota financial on XX/XX/XXXX. Toyota financial took XX/XX/XXXX payment and future payments until XX/XX/XXXX. They withdraw {$2500.00}. After they withdrew this amount i called customer service. they did not return excess amount of payment. They said they send check to me which they did not. After calling and discuss with my account they send me amount of {$620.00}. i deposit this check and this check returned. My bank charged to my account {$35.00} return deposit fee. Also I got called from Toyota financial service customer service, get humiliated by them. They told me that they will repossess my vehicle. I could not resolve my issues or get any help from them. I asked them please send me ledger of account and checks that they send me. they said they can not provide proof of check they send me. Additional of everything they made my credit rating low. This is a very bad practice. Their system shows wrong amount of mature date payments. For example ; your loan payment due date of XXXX of every month. if you made a payment on XXXX which next day of original payment date ; they will collect from your account future payment ( which not is not due ) together with current month payment without your knowledge. If you have any questions or proof of payment please do not hesitate to contact with me.
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| 04/02/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Fraudulent loan
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Web |
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To Whom It May Concern : I am writing to file a complaint against [ these companies ] for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( b ). I believe that this creditor or collection agency has engaged in unfair and deceptive practices in their attempts to collect a debt that I dispute.
As per 15 USC 1692g ( b ), I have the right to dispute any and all alleged debts and request validation of the same. I have done so in writing to this creditor or collection agency, but they have failed to provide me with any validation of the alleged debt. Despite my repeated requests for validation, they have continued to contact me and demand payment. also FCRA 611 ( a ) ( 1 ) ( b ).
Moreover, I have checked my credit report and found that the information provided by this creditor or collection agency does not match with the information provided by other credit bureaus. This has caused significant damage to my credit score and has made it difficult for me to obtain credit in the future.
I am hereby requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against this creditor or collection agency for their violations of the FDCPA. I am also requesting that the CFPB ensure that my credit report accurately reflects my credit history and that any negative information provided by this creditor or collection agency be removed.
Thank you for your attention to this matter. I look forward to hearing from you soon.
Sincerely,
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| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I have an auto loan with Toyota Financials since XX/XX/XXXX. In XX/XX/XXXX, they reported to the credit bureaus that my XX/XX/XXXX payment was 30 days late. As the result of that reporting, my credit score took a significant hit and disrupted my house refinancing. I have never been late with any payment, Toyota included. My XXXX and XX/XX/XXXX Toyota payments were deferred, so, after the deferment period ended in XXXX, I contacted the Toyota financials to made the payments for those deferred months and also to bring my account status from deferment to current. The Toyota financials representative assured me that everything is paid and my account is current. But, in XX/XX/XXXX, they reported me to credit bureaus for 30 days late for XXXX payment, which it supposed to be paid during my phone call with the Toyota Financials representative. I called Toyota Financials and I was told that they never took the XXXX payment and it was too late to withdrew the credit reporting.
Toyota Financials representative assured me during my previous phone call that everything is up to current, then how could I be late for their XXXX payment. Also, all my Toyota payments were autopaid. My XXXX and XXXX payment were paid without problems, how did they just missed the XXXX payment?
I contacted Toyota Financials and they refused to correct or withdrew their reporting. That is the reason I am filing this complain against Toyota Financials today. I have NEVER been late on any payments in my life. This time is certainly not my wrong doing.
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| 01/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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I have purchased tens of new cars in my life. In XX/XX/XXXX I purchased two new cars from Toyota. One with 0.0 percent interest, another with 1.9 percent interest. I paid both cars off. In XX/XX/XXXX I purchased traded those two cars in on two more, both with 1.9 percent interest. In XX/XX/XXXX, I wanted to trade in one of the XX/XX/XXXXcars on a XXXX XXXX.
Prior to going to the dealership, I applied for a vehicle loan on Toyota Financial Services web site. I was approved in about 30 seconds but the approval ( # XXXX ) did not disclose the terms to me.
When I went to the dealership and presented the certificate, the dealership made me a deal on the truck. I kept asking for the interest rate and it was never provided to me. No representative has ever called me back to this date. From my calculations given the payment and numbers provided me, the loan presented was about 15 % interest.
For this reason, I did not complete the sale. However, I have tried and tried to obtain the interest rate that I was approved by Toyota Financial Services. The dealership has not provided it to me, despite my request, and TFS refuses to provide me any information about the terms of my approval. My approval is still good but I have yet to be disclosed the terms of the approval and can not gauge my financial decisions otherwise.
TFS continues to maintain that they only handle post-sale financial accounts. This is incorrect. TFS, not the dealer, performed the inquiry into my credit and also approved the credit.
Please assist me.
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| 12/01/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I had a lease with Toyota Financial Services and purchased the vehicle after the lease was over. I purchased through another finance company in XXXX XXXX. In XXXX XXXX I received a tax bill from my city for approximately {$30.00} ( which covered the month of XXXX of year when I owned the vehicle ). I paid the tax bill and immeditaely called Toyota Financial Services to find out what I would owe to them for property tax. I was assured by the representative that my account was paid in full and I did not owe any taxes. I explained to the reporesentative that I should owe taxes for XXXX for the amount of time the vehicle was leased. She assured me that I would not owe any taxes. All a sudden a month ago I received a letter stating my account would be in collections if I did not pay the taxes owed. I called Toyota Financial and they advised it was for property taxes. I advised them i was told I owed no taxes and they said the information was incorrect. I asked for a copy of the tax bill because the amount they provided seemed too large to me. They advised I would have the bill within XXXX48 hours by email. It has been 2 weeks and I still have not received a copy of the actual bill from the county. I called again today and was told they were not sure why the request was not put in but they would put it in again today. She said they are backed up and would have it to me in 72 hours. I am afraid my account is going to be sent to collections and will affect my credit and they are not helping me prevent that from happening.
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| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.
Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$15000.00}.
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| 01/18/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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Toyota Financial sent me included a miscellaneous charge in the amount of {$630.00}. XXXX. They stated that XXXX County ( XXXX XXXX, Texas ) assessed a property tax and that they paid it and passed the amount to me for payment. I requested a detailed accounting of the bill, however Toyota stated that they could not give me any records because of " privacy issues ''. I was instructed to contact the XXXX County Tax Assessors Office. I did so. They informed me that the county assesses a tax on the entire fleet of the leasing company 's yearly rendition and that the Tax Code requires the owner ( Toyota ) to complete the Lessee 's Affidavit of Primarily Non Income Producing Vehicle Use ( Form XXXX ). Toyota now claims that they did not receive a notarized TX affidavit " by the required deadline ''. They do not indicate when the deadline was, who was supposed to file it, and what type of notarized TX affidavit was required in order to be exempt. Further they stated, " Therefore we are required to report the vehicle as business use and no refund will be issued by the county. '' It is my understanding that this tax applies to commercial vehicles only and DOES NOT apply to personal use vehicles. Toyota Financial states that I need to refer to my original lease and that I am liable for payment, even though there appears to be some sort of clerical error on either XXXX County or Toyota. It hardly seems appropriate that I would have to pay a tax on my personal car because it has been erroneously listed for commercial use.
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| 11/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My loan is with XXXX XXXX. I have continually made Principal Only Payments and they continually charge me interest on them. Just yesterday I made a {$2000.00}, the representative XXXX employee ID XXXX and I both are recorded saying Principal only and yet I look today and they have charged me {$180.00} interest charge. They have said for the past 2 weeks that they are fixing it because i want to pay it off, I've called back multiple times and nothing has been done. I've tried everything that they've told me to do such as sending in the payment separately ( which didn't work ), sending it to a completely different address that they told me ( still charged interest ), and have called in and the representative and myself being recorded saying principal only and yet I'm still being charged and have to call in, and them telling me it's been corrected but it hasn't. I just want it fixed because I just want to immediately pay it off, I continually tell them this and they say just wait for them to fix it, all the while charging me a daily interest fee. They now have charged me over {$1000.00} on principal only payments and also over charged me interest on monthly payments. Please help me! I just want to pay off my vehicle and for it to be fixed. Ill do anything for this to be resolved quickly. I don't want anyone else to go through this. They also sent me my recorded phone calls, it however was just a blank form ( Included ). I have more employee names and employee IDs of a few of the people of many that I spoke to.
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| 01/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I am writing to inform you of the illegal actions of Toyota Financial Services in reporting a Charge Off of an account included in a XXXX bankruptcy that was discharged by the courts in XXXX by a judge. I demand that Toyota Financial immediately alert ALL 3 credit bureaus to have this illegal account removed as required by federal law. Most troubling is that this illegal account was only recently reported in XX/XX/XXXX and has severely negatively affected my credit score. Toyota has fraudulently made it appear that this account was a 4 month term and is past due for XXXX with an owed balance that was closed in XXXX by a federal bankruptcy judge. Toyota Finance maliciously and fraudulently reported to the credit bureaus that I have a recent charge off and reported this debt as active as of XX/XX/XXXX which is included in my bankruptcy in XXXX and discharged in XXXX. They have caused my excellent credit score to fall 300 points from nearly 800 to junk credit. I feel that damages should also be paid for Toyotas fraudulent actions that have negatively affected my credit in violation of federal bankruptcy laws.
TOYOTA MOTOR CREDIT.
Negative Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Balance {$6500.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$24000.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX.
Status Updated XX/XX/XXXX Highest Balance {$0.00} Terms 4 Months On Record Until XX/XX/XXXX
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| 01/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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According to 15 USC 1666- 1666 J, The signer and cosigner / creator/ beneficiary are filing a billing error on the account listed in the attached documents. Mazda financial Services has treated me and the signer with extreme prejudice, and violated my rights as a consumer from the very beginning of the contract by not giving full disclosure on the terms and method of the creation of the commercial contract in question. Both the co signer and signers signatures were transmitted from what was really signed and a name that is not the name of either the signer or cosigner was placed underneath the contract that is a variation of either a deceased person or a fictions person. A offer according to UCC 3-603/3-311 was sent for accord and satisfaction with a conspicuous statement which stated in short, that upon redeeming the tender of payment the claim would be paid in full. Mazda Financial Services redeemed it, ( Documents are attached ). So After this Mazda Financial services sends a letter threatening the signer and cosigner to repossess the vehicle in question which has caused mental anguish, fear, and panic attacks for the signer and cosigner, which is illegal according to 15 USC 1692 ( d ), ( 2 ), 15 USC 1692 c, ( a ). This is only a few violations in short that Mazda Financial Services has done to violate our rights as a consumer with more violations to be addressed in the near future. Also all documents enclosed were also mailed to Mazda Financial services in addition to being attached to this complaint.
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| 08/08/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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We purchased our new vehicle from XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX our credit union sent a payoff of the vehicle to the dealership. On XX/XX/XXXX we received a statement from Toyota Financial Services indicating we still owed the $ XXXX. I called Toyota Financial Services on XX/XX/XXXX and they informed me they had n't received a payoff from the dealership. I immediately called the dealership and was told they would email the Finance Director who would take care of it. On XX/XX/XXXX I followed up and found nothing had been done. I spoke with the Finance Director who assured me the check would be sent to Toyota Financial Services. They sent me a copy of the check and the tracking number. The representative at Toyota Financial Services could not find the check with the information I provided and instructed me to fax a copy of the check and tracking information to the escalation department which I did. She also suggested that if I did n't want it to affect my credit I should make the payment of {$760.00} which I found totally ridiculous. I was just contacted by XXXX XXXX XXXX and was told that the check has not cleared and they are sending me proof that the check was signed for by someone at the company. Now I 'm having to jump through hoops to try to track down this payment and have been told there is nothing that can be done re. my credit and that I would just have to dispute any negative marks. This unacceptable and should not be tolerated especially when I 've done nothing wrong. Please help,
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| 08/21/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I am struggling with XXXX XXXX XXXX XXXX XXXX XXXX. They put me onto the lease monthly payment deferment program without my explicit permission. Since I opened a new lease account in XX/XX/XXXX, I have never been late to the monthly payment ( not even a single time ). I do not want to be a part of the deferment program. I do not ( and can not ) know what benefits XXXX receives from local/federal programs at this moment by putting their customers onto that deferment payment program ; however, I do not want to be on that deferment program. Since XXXX reported falsely my account status to the credit bureau I am now having a hard time getting a refinancing. Ive contacted XXXX regarding this very issue multiple times via calls/emails/XXXX Support teams, and they are not willing to correct their clear mistake putting my lease account onto the deferment program without my clear permission. This ill practice must be stopped. Again, I have never been late in making monthly payments and I did clearly ask XXXX to delist my account from the deferment program. XXXX has refused to correct their mistakes. They placed my lease account onto the deferment program in XX/XX/XXXX, and I contacted them in XX/XX/XXXX to fix that. I contacted them back in XXXX and again XXXX to correct it. It is still remained unchanged. I have spent more than 30 hours to resolve this issue with XXXX in a reasonable manner ; however, XXXX keeps repeating the same nonsense. It is a really frustrating and horrible time-consuming experience.
|
| 11/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I purchased a vehicle from XXXX XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. Toyota Finacial Service and XXXX XXXX XXXX. This should only show as one hard inquiry as Toyota and XXXX XXXX XXXX is the same company ( Toyota Financial Service does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, XXXX and/or the companies listed above that did the hard inquiries can correct this issue.
I also purchased another vehicle from XXXX of XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. Toyota Motor Credit and XXXX of XXXX XXXX. This should only show as one hard inquiry as Toyota and XXXX XXXX XXXX is the same company ( Toyota Motor Credit does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, XXXX and/or the companies listed above that did the hard inquiries can correct this issue.
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| 03/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : Toyota Motor Credit XXXX Your company is in clear violation of the Gramm-Leach Act I was not given the opportunity to opt out by law the XXXX XXXX XXXX was supposed to provide various notices and meet specific opt-out requirements which they have not Title V, Subtitle A of the Gramm-Leach-Bliley Act ( GLBA ) 1 governs the treatment of nonpublic personal information about consumers by financial institutions. Section 502 of the Subtitle, subject to certain exceptions, prohibits a financial institution from disclosing nonpublic personal information about a consumer to nonaffiliated third parties, unless ( i ) the institution satisfies various notice and opt-out requirements, and ( ii ) the consumer has not elected to opt out of the disclosure. Section 503 requires the institution to provide notice of its privacy policies and practices to its customers. Section 504 authorizes the issuance of regulations to implement these provisions. change the above late payments from my consumer report to the current this agency is in violation of the Gramm-Leach-Bliley Act Failure to respond satisfactorily with a change to payment status, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, Financial institutions found in violation face fines of {$100000.00} for each violation.
|
| 12/03/2015 |
Yes |
|
- Communication tactics
- Called outside of 8am-9pm
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Web |
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I was being called on my mobile number as early as XXXX after telling them numerous times to stop. I notified them verbally on at least XXXX occasions and the calls did not stop. They were making up to XXXX calls per day. I was told that it was an auto-dialer and they had no control over it.
After I retained an attorney to sue them, they escalated their efforts to keep me current on my auto loan payments and continued to make phone calls even after the attorney notified them. If I fell behind at all, they notified me of default. I have always made the payments, but have regularly been 30-60 days behind. In XXXX of 2015 they initiated a repossession. I was able to make full payment at that time but have since been late making subsequent payments. After I retained the attorney and he notified them of the law suit, they stopped calling me but continued to send statements by mail. On XXXX morning, my car was repossessed. I am behind XXXX payments. I was not notified by certified mail as required by law. The tow operator trespassed onto my property and pushed my vehicle into the street and then towed it away. The local police were not notified and the tow operator made quite a scene banging on my door multiple times at XXXX and pushing my car into the street in a quiet residential area on a holiday. The practices overall of this company are shameful. I understand that I was late on my payments, but has ALWAYS been late on my payments. Why this would make XXXX XXXX 2015 any different is beyond me.
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| 02/19/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have vehicle lease account with Toyota Financial Services that was properly paid for and closed on XX/XX/XXXX As I changed address after the account was closed, I did NOt receive any further communication from Toyota. But, I get a call from a credit collection agency, XXXX XXXX XXXX, onXX/XX/XXXX regarding a debt to Toyota. I requested a written notification, which they sent me on my new address. The bill was for : excessive wears and tears and a purported missing key for a total amount of {$700.00}. I contacted Toyota and disputed the missing key. Toyota told me the account was closed and that the additional debt was sold to the credit collection agency ; therefore I had to work it out with the collector. I contacted the collector over the phone and we agreed on the amount of {$490.00} to settle the debt. However, until now the original account is still appearing as " open '' with Toyota, with a debt of {$210.00}. I have been disputing that over the last 3 years, but XXXX keeps telling me that this is what Toyota reports to them. Each time I contacted Toyota at XXXX to request that they either : 1 ) report the account as " closed '' or 2 ) send me a bill in the mail with payment instructions. But, each time the department refused to do so nor will they provide the phone number of the department to contact. All, the tell me is to write to their collection department, which does NOT have a phone number! Worse, the phone number ( XXXX ) listed on the credit report does NOT belong to Toyota.
|
| 08/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX Payment was late, and was reported to credit agencies.
- I wrote to TSF about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not.
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to TFS letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to TSF I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite TFS saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment om XX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check TFS says I still owe money.
|
| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
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To Whom It May Concern, I am writing to you in connection with the corporate account XXXX associated with XXXX XXXX, for which I am listed as a contact or representative. I recently came to learn that there may be an understanding or implication that I am personally liable for this account. I would like to formally clarify the nature of my association with this account.
I wish to state unequivocally that at no point in time have I personally guaranteed or agreed to be personally liable for any debts, obligations, or responsibilities associated with this corporate account. Any agreement or contract made with XXXX XXXX should be entirely under its corporate entity and should not extend to its individual officers, directors, or employees in their personal capacity, unless explicitly agreed upon.
If there has been any oversight or misunderstanding in this matter, I kindly request that it be rectified immediately. I also request any documentation or evidence you might have that suggests personal liability on my part. If such documentation exists, please share it with me at the earliest so I can review and take necessary action. If no such documentation exists, please confirm in writing that there is no personal liability attached to me for the aforementioned account.
I value the business relationship XXXX XXXX has with Toyota Financial Services and hope to resolve this matter promptly and amicably. Your understanding and cooperation in this matter are highly appreciated.
Thank you
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| 01/24/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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We have 3-year auto loan through Mazda Financial services XXXX We had the account set up for recurring payment which processed successfully on XX/XX/21, XX/XX/21, and XX/XX/21.
In XXXX, my wife and I attempted to change the recurring payment account to our joint checking account. Mazda Financial Services allowed us to make the change, and we received an email on XX/XX/21 that our recurring payment was about to proceed.
Our complain is in regard to what happened next. Mazda Financial cancelled our recurring payment without notifying us. The account went unpaid until XX/XX/21 when we realized that they had not debited our account in XXXX, XXXX, and XXXX. The recurring payment had been cancelled and completely removed from our account. We immediately paid the full outstanding balance and setup the recurring payments once again.
Mazda reported our late payments to the credit agencies/companies and our credit score took a massive hit, to the point where our application for a home loan was denied. We had stellar credit scores before this happened. We were making a good-faith attempt to pay the monthly balance through auto-pay, so we believe this is extremely unfair given we were not notified of any issue.
When we called Mazda Financial Services they couldn't even tell us why exactly the payments had been cancelled, and couldn't tell us what account they had attempted to transfer the payments from. We have no way of knowing what caused the error/cancellation of our recurring payment.
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I spoke with XXXX with Agent ID at XXXXXXXX XXXX on XX/XX/XXXX. I contacted Toyota Financial today to go over my payment history. I asked from my first date of delinquency. I noticed that there are areas where there is no data.
Here is what I gathered from XXXX to the end of the loan. I already requested this in writing and it should be emailed to me in one to two business days.
XX/XX/XXXX {$440.00} reversed then I paid {$1100.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$560.00} XX/XX/XXXXXXXX XXXX {$50.00} XX/XX/XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$380.00} XX/XX/XXXX {$200.00} XX/XX/XXXXXXXX XXXX {$200.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$100.00XXXX XXXX XXXX {$370.00} ( XXXX extension requests ) XX/XX/XXXX {$130.00} XX/XX/XXXX {$100.00} ( 2 extension requests ) XX/XX/XXXX {$180.00} XX/XX/XXXX {$300.00} XX/XX/XXXXXXXX XXXX {$410.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXXXXXX XXXX {$450.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment ( extension request 2 months ) XX/XX/XXXX {$1100.00} XX/XX/XXXX ( requested 2 extensions ) XX/XX/XXXX {$280.00} XX/XX/XXXX {$560.00} XX/XX/XXXX {$560.00} XX/XX/XXXXXXXX XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$280.00} XX/XX/XXXXXXXX XXXX {$280.00} XX/XX/XXXXXXXX XXXX {$560.00} XX/XX/XXXXXXXX XXXX skipped but payment made for XXXX XX/XX/XXXX {$1000.00}
|
| 03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I had an auto loan with Toyota Financial Services. I was involved in a car accident of XX/XX/XXXX in which my vehicle was totaled. I did not have GAP insurance but a manager at Toyota Financial allowed me to make monthly payments until my balance was paid off. My balance was around {$3500.00} or so.
I made monthly payments around the same date as I always did prior to my accident, every month, between the XXXXt and XXXX of the month. Toyota Financial never expressed any concern regarding when I made my payments. On the last month, in XX/XX/XXXX, I paid off the balance on the account which was {$490.00} dollars. When I spoke to a rep at Toyota Financial, she had told me they closed the account so it wouldn't get charged anymore interest, but she was able to accept my payment anyway so I could pay off the account. Come to find out, that was actually a lie, and they had charged off the account for {$490.00} and sent it to a collection agency which I was not aware of and the rep had never told me that when it had already been charged off days prior to my phone call and payment. I had to find out for myself when I checked my credit report and saw what they were doing to my credit.
I called Toyota Financial, and demanded that they update my credit report and remove the charge off status, when I indeed paid off this account in full. And I have the receipt to prove it. Toyota refused to update the account, and they have not even updated the balance and it has been well over a month.
|
| 03/10/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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I had lease a vehicle from XXXX XXXX back in XX/XX/XXXX. I was a 24 months lease with monthly payments of {$640.00}. Lease was term was completed in XX/XX/XXXX. No missing payment or property taxes owed. Vehicle was returned almost XXXX miles under miles agreed. Vehicle was returned in great conditions. Today I received a letter from Toyota charging me a disposition fee of {$350.00} plus XXXX of sales taxes. When we got or returned the lease nothing of this nature was explain to us. We were not even given a copy of the lease agreement at the beginning of the lease. I when to de dealership today XX/XX/XXXX demanding an explanation from the sells man XXXX. He said to me the Toyota was charging me the fee because I no longer wanted to leased a vehicle from them. I find this observe and not legal. I going to be punish for not leasing another vehicle from them instead of being rewarded for completing the lease as was verbaly explained to me. I prepaid for milage and didn't use it. They made over {$700.00} of used milage and Im receiving a bill. When I returned the vehicle I ask Pitor is I owed anything else. He assure me I was all set. The nothing else was going to be charged and today when I asked him about the bill I received he did know what to come up with. I paid this company enough money already. Also I should not be penalize for not wanting to lease from them again. Please help me with this matter. These people made there leaving lying and taking advantage of consumer like me.
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| 06/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Shopping for a loan or lease
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Web |
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In XXXX 2013 I purchased a current year Toyota XXXX from Toyota and at the time of my vehicle purchase I also purchased the tire and oil maintenance plan with an extended warranty also. My tire & oil maintenance plan was to begin after I 've reached XXXX miles on my vehicle. For I was already covered for all of my maintenance work under Toyota 's Care plan up to XXXX miles. After reaching XXXX miles on my vehicle, I attempted to go to XXXX Toyota dealerships to have my car serviced under my prepaid maintenance plan. And I was told that I must return to the original dealership that sold me the vehicle in order to have my service covered for free. so I paid out of pocket for the maintenance service. So on my next service visit I went to my home dealership and that 's when I was told that the prepaid maintenance plan that I purchased expired at XXXX miles. I was very upset and disappointed to find out that I was a victim to fraud by the dealership and sold a maintenance plan in which I was already covered for by Toyota Care up to XXXX miles. After several attempts to resolve this issue with Toyota and XXXX Administrators in which I was asking them to reactivate my XXXX year plan starting from today and with my current miles, I did not receive any resolution. I was told there is nothing anyone can do to assist me. Now I am asking for the help of Consumer Financial to resolve this issue by activating my 2yr/ XXXX miles prepaid maintenance from today and with my current mileage.
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| 06/19/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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On XXXX XXXX XXXX I received a phone call from XXXX XXXX, demanding a payment of {$1000.00}. After my surprise I started asking questions, and I realized that this was a collection office, because they only identified themselves as XXXX XXXX. They said that they partner with Toyota. I have already file a complaint against XXXX. When I called Toyota right after I got off the phone with XXXX, I wanted to find out why I was never informed I have a balance.From customer service I got transferred to a different department. I was told that Toyota has no longer have access to the information I needed to hear. All questions should be addressed to XXXX. I explained that XXXX told me to contact them. After the initial call I contacted Toyota two times the same day and nobody could gave me an explanation. I asked to speak to a supervisor, somebody that could listen to me. I was told that the supervisor was going to say the same to contact XXXX. In other words I was denied to speak with a supervisor The last correspondent I received from Toyota was on XXXX XXXX XXXX. Will attached letter. On my third call to XXXX the same day I was told that it was a deductible from my car. insurance. On my first accident in XXXX, I have same model, same insurance coverage, with Toyota. The car was reported as a total loss, I did n't pay deductible because it was a total loss. In this case the car was a total loss too, I had the same insurance coverage but I have to pay deductible this time. Why?
|
| 05/16/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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|
Web |
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This duplicate case is in reference to complaint no. XXXX. The attached documents are XXXX credit reports pulled on XXXX XXXX, 2015 and XXXX XXXX, 2015.
The XXXX XXXX report shows a total balance of {$280.00} with an on time account, last paid in XX/XX/2015.In XXXX 2015, the new report shows the following inaccuracies that show the Company BACKTRACKING information.The last payment shown is in XXXX 2015 and the charge off is shown as disputed. I never disputed the charge with Toyota or any credit companies. I was working with the CFPB and can be quoted on an XX/XX/XXXX call with TFS as having said so. Also, how can an account in 15 days, go from on time status to charge off with no notice or communication to me? The XX/XX/XXXX bill was sent 15 days later and nearly five months after I returned the car to the dealership and reached out to them immediately, asking them for the balance due ( even though my XXXX 2015 credit report showed {$280.00} ). After months of TFS and the dealership telling me they are " trying to figure it out '' they finally sent me the bill on XXXX XXXX, while at the same time without notice put me into collections. I should have had enough time to cut them a check.
According to the Fair Credit Reporting Act, " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. '' I want this removed from my credit. After that is completed, I will pay off the total balance owed on the account.
|
| 09/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
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I made a payment on their website for my first auto payment on XX/XX/2017 for XXXX. The Toyota Financial Services website was specifically designed to not allow a principal payment in the payment area. The regularly scheduled payment was for {$260.00} and I had paid an extra {$200.00} toward the auto loan amount so as to reduce the amount of the payment term. The representative did state she would reclassify the amount of this first payment to both regular payment and principal for this instance. However the issue came up when I asked if I could make both a regular payment and principal payment on the same payment submission area of the website. The representative stated that in order to receive credit for the payment in the future that I would have to submit only regular payment amounts on the website. She further stated that to receive a principal payment I would need to write a separate check and send it regular US Mail to the address shown. I expressed my dismay at the answer to my question, but she stated that is only I way I could do this. I feel that this is unfair trade practices and that this finance company to allow for both payment types ( regular and extra Principal ) on their website to occur. I think it is egregious that we ca n't have a one stop payment website. I have a long term 84 month on my auto and I wish to reduce it by any means possible. It not good customer service to Not allow for extra payments to be made online at this company. Thank you.
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| 10/27/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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On XX/XX/XXXX I sent a cashier 's check for {$18000.00} and all the required documentation to payoff the lease I had for my Toyota XXXX. After a few weeks of waiting to receive my title, I called them and was told they had received but LOST the cashier 's check. I was told I would receive a letter from them with instructions. I then received a letter that said they received the cashier 's check but could not locate it so I needed to send them a new one.
The problem is that my bank will NOT put a stop payment on the cashier 's check for 90 days and I don't have another {$18000.00} to send them again. When I call them they tell me they will wait for the 90 days ( even though their letter clearly states they will only wait for 30 days ) and that no adverse action will be taken against me. However, I keep getting communications from them urging me to return the car, and when I call, the system tells me the call is intended to collect a debt, so in their system I'm obviously flagged as delinquent.
I am really worried they will ruin my credit ( or worse, that the car will be repossessed ) even though the call center people assure me they won't because they recognize their mistake. Ultimately, my assumption must be that this reporting is systematic and will eventually escalate actions against me.
I really need them to change their system so I'm no longer flagged as delinquent OR I need to have in writing a statement saying no adverse action will be taken against me.
|
| 01/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I applied online to get a 2 month extension for my car payment from Toyota Financial since I was unemployed due to Covid. I received an email to say I was not approved. I called and spoke to someone at Toyota after receiving that email regarding an extension for my payments for XXXX and XXXX it was approved. On my statements for XXXX and XXXX it shows {$0.00} due for XXXX and XXXX. I resumed payments for XXXX as agreed. Now Toyota says is trying to collect for XXXX and XXXX. I was reported to the credit bureau as late for XXXX and XXXX and they are trying to escalate recovery. I have called several times to ask to speak to a supervisor and they refuse to call me back. I am getting harassing calls from collectors and they are going to re-posess. They said that they can not go back and review the phone call because they dont have it on file anymore. They can not pull up the their own billing statement that they sent to me that shows amount due {$0.00} ( although I can pull it up on my online account ). I was told I could defer payment for 2 months, the statements reflected the XXXX due for those months. I have resumed payments for XXXX going forward. A supervisor refuses to call me back. They refuse to verify the statements that say XXXX was due for those 2 months. I am still unemployed due to Covid yet I have resumed payments since XXXX. I think it is deceptive and fraudulent to try to collect on something that I was told was deferred. Any assistance is appreciated.
|
| 04/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
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On XX/XX/2022, I purchased a vehicle from Toyota XXXX in XXXX, Tennessee on XXXX XXXX. My first payment was to be due on XX/XX/2022.
I submitted my first payment XX/XX/XXXX, a week early as I have been trying to improve my credit score. I received a notification saying the transaction was successful on the same day. I then get a message on XX/XX/XXXX, 2 days after the due date, that my payment did not go through and that my {$690.00} was returned to my account. I make another payment on XX/XX/XXXX, for the payment that was due on XXXX, and get another email that says my payment was successful. I get another message on XXXX, saying that my payment of {$690.00} was again returned to my account.
I call Toyota personally and tell them about the issue and they direct me to my bank saying it is on their side. My bank, XXXX, said that is false and if it was on my them, then ALL transactions would not be going through. This was an error on Toyota I choose to pay my note again as I am worried this may affect my credit score, I make another payment on XXXX and get the same message of my payment being returned on XXXX. My credit score then drops 83 points as I technically was late on my first payment by 30 days, which is not the case. Eventually, this stops happening and I never understood why it was happening in the first place, all I got from Toyota was that, " This should be good now. '' Please see attachments, I should not lose 83 points for Toyota 's negligence.
|
| 06/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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This complaint is against Lexus Financial who is financing my car loan. First lets start with the high interest rate I was given 14.9 % which later this high interest rate was part of a class action lawsuit. I paid this loan for six years in good standing and my credit report shows this ... I paid down to the last payment which was the maturity payment a big ballon payment deriving from high interest and deferred payment. Now thru this pandemic I was not given any special help due to the pandemic. I was furlough in XX/XX/XXXX and was laid off in XX/XX/XXXX due to the pandemic so I was told this maturity amount of {$4000.00} was due by XX/XX/XXXX. I was told I could pay this out and dont have to worry about paying all this off by the due date as long as I continue to pay every month. I was not told that each month I carry this balance this would be reported to the credit bureau and would affect my credit. I spoke to an executive in the CEO office and was told that the Rep I spoke to stated they would coach that individual because the representative fail to provide me with all the necessary information I needed that I could have had a different outcome. Now due to the negative reporting to my credit it has placed an unpreventable financial hardship during this pandemic. This egregious treatment from Lexus also violated my consumer rights under FCRA surrounding the accuracy and fairness of what is being reported to the consumer credit agencies by Lexus Financial.
|
| 03/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
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|
I write to complain against Toyota financial. They claim that I owe them the amount of {$6000.00} and has sent me to collections. I can not pay this amount. Instead, I write to request my {$2000.00} down payment be refunded.
In XXXX of XXXX, I obtained a loan for a XXXX XXXX XXXX, XXXX and made a {$2000.00} down payment to Toyota financial through XXXX XXXX located on XXXX XXXX XXXX XXXX PA XXXX.
The vehicle was defective ; it had a cracked windshield, broken view marrow engine was bad. The weekend I took it home the engine became dead, and the car refused to start. I immediately reported this to the XXXX car dealer and was told via phone and in person by the manager, that there was nothing they could do about it. Per my request, they could not repair the vehicle nor give me a replacement vehicle. My insurance company provided a tow truck and transported the vehicle back to XXXX 's lot. Meanwhile, my Lawyer ( XXXX XXXX ; phone number XXXX ) sends them correspondence which they refused to acknowledge.
In XXXX of XXXX, I received a letter from Toyota Financial informing me that the vehicle was voluntarily turned over and that they will sell to retrieve their money. I got in touch with the dispute team many times informing them of the setback. I provided my lawyer 's information to be contacted. They ignored my requests, send another decision letter that I owe {$6000.00}.
Kindly consider my formal complaint. I look forward to your assistance in the matter.
|
| 12/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
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When the lease agreement with Toyota Motor Co. ended XXXX XXXX, XXXX, I chose to purchase the XXXX XXXX XXXX, & TMC received payment from XXXX XXXX XXXX by or before the XXXX date. As of today ( XXXX/XXXX/XXXX ) Title for the vehicle, naming XXXX as lien holder, has not been received. As a result, when the registration expired in XXXX. I was unable to register the vehicle, so I am unable to drive my car. XXXX was, and is still, expecting to see the Title & has been co-operative, so far, while payments to them have been timely. Numerous contacts to TMC, beginning early XXXX, have been made, & each time I have followed the advice of the representative & in return, advised them of the pending registration end date. A lien release was sent to XXXX, KS XXXX XXXX. XXXX KS DMV has joined in contacting TMC regarding need for Title-not a lien release. I was informed on my last inquiry ( XXXX ) that the title had been sent to both the DMV in XXXX, KS & to me at the home address on XXXX XXXX. Neither I nor DMV have received the much needed Title. When I asked if TMC had overnighted the Title, I was told it went out in the regular mail. I also requested, during that same phone contact, a written explanation & apology from TMC-not received-no surprise! XXXX holiday may have caused some delay, but almost 2 weeks-unacceptable! When I phone TMC today, I will tell them I have filed this complaint in the hope that CFPB can get resolution to this frustrating & unnecessary delay.
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| 12/28/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I leased a XXXX Toyota XXXX through Toyota Financial Services in XXXX of 2021. The vehicle was then garaged in Washington. We then transferred the car to our home in Montana ( XXXX XXXX XXXX XXXX, XXXX, MT XXXX ), where is has always been garaged. I am a Texas resident. I licensed the truck in Texas as an out-of-state vehicle, which Texas allows. Texas did not require inspection because the truck was always to remain outside of Texas. I was instructed by Toyota to fill out Lessee 's Affidavit for Motor Vehicle Use Other Than Production of Income. I did so, had it notarized, uploaded an electronic copy into Toyota 's account system, and mailed in a copy to Toyota. Toyota then responded by sending me another copy of the Affidavit to fill out and return. At the bottom of their attached letter, it told me to call them if this vehicle was garaged out of state. I've tried twice now to do this AGAIN and their call wait times are in the hours. I hate to submit this complaint for this reason, but even if I did wait hours to speak to somebody about something I've addressed numerous times with them, the person I reach would not be able to assist me ( as I learned on previous calls ) and would have no clue what I was talking about. I wish you could nudge TFS to provide better customer service. I have had many, many vehicles from them and their customer service has been on a continuous downhill slide. I'm pretty sure this will be my last Toyota for this reason alone.
|
| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 06/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 11/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am currently attempting to purchase a home. Toyota financial services is creating an issue on my credit report by reporting that I was 30 days past due for the month of XXXX. To be considered 30 days past due you need to be late 30 days past the payment due date. The payment is due on the XXXX of each month. They received payment for previous month on XX/XX/XXXX, an attempt of payment was done on XX/XX/XXXX which was returned and repaid on XX/XX/XXXX. Since the payment is due on the XXXX of each month this payment would not be considered 30 days past due until XX/XX/XXXX. Why because the payment was due XX/XX/XXXX. I have attempted to contact Toyota several times and I keep getting the run around. The last person I spoke to with the resolution team stated that the credit reporting team states that the payment is considered 30 days past due because it was 30 days past the last payment. That makes absolutely no sense. What if one month I decided to pay the lease early on the XXXX and then the next month I decided to pay it on the actual day its due which is the XXXX then they would report to the credit agency as me being late? Thats ridiculous Ive never heard of such a thing. They are falsely reporting incorrect information and this preventing my mortgage from going forward. Conveniently their credit reporting team has no phone number to speak to so Im left with no resolution. I want to correct this with all three credit reporting agencies immediately.
|
| 07/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
1.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about.
2.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about.
3.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about.
4.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about.
5.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about.
6.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about or approve of.
7.Hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about.
8.Hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about.
9. hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about.
10.hard enquiry were made on my social security in day by XXXX XXXX XXXX XXXX XXXX to XXXX different credit company which i did not know about.
|
| 05/17/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I bought a car with my fianc in XXXX it was this first time I have ever co-signed with anyone. I am XXXX XXXX XXXX and then I was only XXXX. He set up automatic payment for his new XXXX XXXX and it didnt pull it out in XXXX and we found out there was a late payment by looking on our credit. We immediately paid the balance and late fees and the late payment remained on our credit file. It brought our score down a lot and we are just starting to build a life together. I sent several good will letter attempts to get them to remove the late payment as we have made all of our payments on time for the last XXXX years. We have perfect payment history on the XXXX XXXX and our XXXX XXXX except for the late payment on the XXXX. We take full responsibility and learned from our mistake quickly. I just challenged the late payment this year because my new fianc and I want to buy a house after our wedding this XX/XX/XXXX and its hurting our score a lot. We dont believe this late payment properly projects our credit worthiness and have been subjected to a very high mortgage rate as first time home buyers, not to mention in the most expensive city of XXXX XXXX XXXX Its extremely tough for us and Toyota Financial Services has done nothing to help despite our perfect payment history. I have read online people getting 3-5 late payments removed off their XXXX and theyre refusing to remove 1 from our perfect payment history of XXXX years. I feel this deserves a complaint.
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| 06/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks!
ACCOUNT NAME : TOYOTA MOTOR CREDIT, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX.
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # XXXX, DATE : XXXX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX.
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX.
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
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| 06/30/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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XXXX responded to my previously complaint # XXXX. I was desatisfied with their response. To say they are sorry for my negative experience that date is meaningless. That date I felt betrayed, disrespected, offended. And even worse when I check my credit and noticed that I have a negative report from Toyota. The company that that did not bother to inform one of their client that I have a balance, but yes you informed the credit burea and transfer my account to collection, your partner to be treated without respect to say the least. And you are expect me to contact the same people to make a payment plan? Shame on you. Do you have any idea the cost I paid that date? Have to leave my job because I was highly upset, I work with XXXX XXXX XXXX XXXX XXXX so I have to XXXX XXXX XXXX. I had to take a cab to go home, I could n't sleep that night so, I was unable to work the next day. So I did n't get pay for the time I did n't work, of course. All these events were unnecessary if you would have the time to call me, email me or send a Simple letter. I had made all my payments on time When I was your client, I should n't be treated the way I was, and punished with my credit. Do n't take this lightly I was a very good client of yours. Be truthful I did n't receive any call or you leave a message in my voicemail.. I think I should be the one compensated, for the damages in my credit, for the time I was no able to work, and specially for the XXXX XXXX I went thru.
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| 05/13/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Servicemember |
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Toyota Financial Service as aggressive and sneaky collection practices. The dial your phone utilizing numbers with area codes from XXXX, XXXX ( XXXX ) to various California numbers. Today, XXXX/XXXX/15, I was working from home and answered my phone since I though it was a relative calling from the XXXX area code only to find out that it was Toyota calling about my late monthly payment due. I informed the TFS representative that I was in the middle of a work call and would need to call back later to set up payment for later this week. The TFS rep stated she could not hang up since I knowingly answered my phone during my work time. I asked why and she was silent. Then I said : is this so you can document that I hung up on the call without setting up a payment today? The TFS rep said verbatim : " Exactly ''. I then demanded to speak with to her supervisor since this was rude and unaccommodating behavior since I clearly stated my intent to call back at a later time tonight or tomorrow to set up a payment. The supervisor, XXXX/ID # XXXX, reiterated their collection tactic and was continually aggressive about setting up a quick payment now. I begrudgingly set up the payment with the TFS supervisor that I planned to pay on XXXX/XXXX/15. While the were someone polite their collection practice was obnoxious and does n't respect boundaries. If I state that I will call back or they can call back at a better time, that option should be recognized and honored.
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| 10/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I bought a car and financed it through Toyota Financial Service. The financial term was for five-year, but I paid the car off within 2 years. Toyota stated that they sent me my car title, which they were not able to provide a tracking number for it. I waited 2 months and still did not receive my car title to register my car at another state. One of their customer representatives said they would help me obtain a duplicate title. However, when I called back they insisted for me to do it by myself. I had to pay for a title that was supposed to be sent to me after a paid-off. I contacted the state DMV and they indicated that Toyota did not request a title, and that the car was still under their lien. So Toyota had to send me a lien release after several contacts. In the end, they were not responsible for the title, and I had to drive back to the original registration state to request a duplicate. This process took way too long and had costed me money for a title that I deserved to receive at the end of my term. Toyota handled the situation very poorly, and their customer service representatives were not trained well and provided different solution every time. I would like for Toyota to pay me back the title fee incurred for having to do a duplicate title. This was because they could not send me the original title and blamed that responsibility on the postal service, when they did not even have a tracking for an important document they sent out.
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| 07/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.
1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX Account Number : XXXX This is not mine.
6. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
10. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
11. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
13. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine.
14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
17. Identity Theft XXXX Account Number : XXXX This is not mine.
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| 05/16/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XX/XX/19, I called Toyota Financial Services to bring my overdue account current. Although I had previously had a late fee waived, I requested it once more. The request was denied, which is understandable. I explained that I had attempted to sign up for auto-pay to avoid future derailments, but had not been able to properly complete the process. I'm writing this complain to bring to management 's attention to abhorrent way I was spoken to. The agent was so rude and condescending. I'm not going to type out my own pity story of why things have been a struggle lately. I feel that it's redundant -- everyone has a situation. What disturbed me was the agent 's accusatory tone, her rapid answers without listening, and her general demeanor over the phone. I want this complaint to be formal so that this agent can truly understand how she made me feel. I was made to feel so, so small. I immediately brought my account current, but was made to feel as if I had lied, as if I had committed a crime. Literally when all I called for was to make sure I paid what I owed. The agent 's ID id : # XXXX. I think she should be ashamed of herself. I hope management allows her to read this complaint. I hope she knows that she is the reason I will never be a Toyota customer again after this current lease is over. I do not ever want to be made to feel less than ever again. The shame she made me feel with her tone is not something I will quickly be able to forget.
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| 11/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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XX/XX/XXXX {$350.00} I received a outstating debt collection notice in XXXX of XXXX for the months of XXXX and XXXX on my Toyota XXXX for which I had made payment on my car note. I missed the XXXX payment after losing my job. Foreseeing a fraudulent repocession I contacted the local police showed them my payment receipts and debt collection slip. I was previously told by Toyota Financial that I didn't have to call for extensions the missed payment would just be added to the end of the payment schedule ending in XXXX. I had previously made two payments in one month on various occasions On XX/XX/XXXX I woke up after starting a new job and my car was missing. I immediately called the police who informed my that my car had been repoed and provided a repocession notice. I then on XX/XX/XXXX called toyota financial and was told that I had to pay either the remaining balance or over {$1000.00} to get my car back. I never received any other notices after the notice for the months that I made the payments. I received the fraud notice the same day I made a payment of {$400.00} ( my payment is {$350.00} ). I was also told that my car would be auctioned off by XX/XX/XXXX if I did not make the demanded payment. Leaving no time to get money to make any type of payment. I still have my payment receipts as well as the repo notice.
I have tried to Upload the Receipts and Repo Notice but have not been able to... I have video of me attempting to do so...
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| 02/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I trade in my Toyota Lease into XXXX XXXX XX/XX/17 i have the proof of the trade in, and the contract saying how much I will get for my lease. I paid my monthly payment for that lease XX/XX/XXXX, so after that statement close, I started to receiving my statements with no payments, so I contact Toyota Financial and they make me contact XXXX to get the check to pay off the lease, after to many proofs Toyota keep sending me late payments to me and the cosigner, I called them several times and they explained me that they need some papers, and i keep telling them that I was not the owner anymore.
Thanks for the XXXX 's seller I get the copy of the check of the pay off of that vehicle XX/XX/XXXX then they asked for another paycheck and XXXX sent too XX/XX/XXXX. I have the proof to who they was talking but they never end to bother me.
After 60 days or more I received one of the awful calls and then finally the lady told me that they had all the papers there but they never submitted on his companies, she apologize and close the loan.
After to many months I decided to buy another car and my surprise was they showed me how bad was my credit and my history with that lease ofcourse I tried to explain but doesn't matter because now its on my record something that I didn't supposed to be involved, and after 20 good payments on that car and building my credit. I want to be erase from my credit report or someone need to fix this problem.
Thanks
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| 08/13/2018 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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My automobile was part of my Bankrupty ( ChXXXX ) and was paid in full ( BK claim scheduled - {$26000.00} ; Claim asserted {$26000.00} ; Principal paid {$26000.00} ; Int. Paid {$3700.00} ; my case was completed on XX/XX/2017. I have the paperwork from the trustee confirming dates and payments to all creditors, showing paid in full ( including Toyota Motor Credit ). I am now trying to repair my credit and begin anew. Toyota Motor Credit was reporting me as late and again, it was all paid in my BK. They were calling me to collect payment and I explained the situation, they refuse to listen telling me and continue to tell me I owe them {$700.00}. I have uploaded my documents to them, via their website and have spoken to several representatives. I even referred them to my BK attorney and they have been useless in removing the debt that I DO NOT owe. I am at my wits end as they said if I don't pay, they will show as " charge off '' and it will affect my credit that I have been trying to rebuild after my divorce. My BK paperwork should be enough for them to see what I am explaining to them is accurate and release my title to me and remove the balance they state I owe - as again, it was paid in full ( per BK courts paperwork ). This whole process has been very frustrating and to top it off they started calling me everyday to collect - harassment. I finally told them to stop calling me and to contact my attorney or the BK courts. Please help!
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| 02/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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In XX/XX/XXXX, I looked at my credit report and noticed an account with Toyota Motor Credit did not look correctly reported. I started by writing to credit bureaus to investigate the matter but it always kept coming back verified.
After sending several letters to the credit bureaus and getting no where, I wrote directly to Toyota Motor Credit. My first certified letter was sent on XX/XX/XXXX. I did not receive a letter or any statement from Toyota Credit Motor. After no response, I wrote another certified letter on XX/XX/XXXX to Toyota Motor Credit. They still sent no information to me about this account.
I wrote back to the credit bureaus on XX/XX/XXXX to inform them that I have been reaching out Toyota Motor Credit and they have not sent me any information about this account and requested that it be removed. I received an update from XXXX stating that the account has been updated with updated information. After looking at the report, there was no information updated on it. I am not sure how the credit bureaus were able to get information from this company, but I have not received anything. For 3 consecutive months in XXXX, its reporting that this vehicle was repossessed each month. I am not sure how a vehicle is picked up for 3 consecutive months without any communication to the account holder.
I would really like your assistance with this account. At this point, I would like to have the account removed from my credit report.
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| 05/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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All people are the same. In XXXX, I purchased XXXX used cars The first down payment was XXXX, the Toyota loan, interest rate was 15.89, the monthly payment was XXXX, 72 months, and the full payment was XXXX, which was higher than the price of buying new cars. .. XX/XX/XXXX trailer This company dragged the car, I looked for two months, went to the trailer company twice, saw the car, but did not let me get my things back, my tools in the car, not On a fair loan, I bought a car and the dealer actually gave me a budget statement that deceived me as a contract and mailed the contract to my house within a few days. Does the Toyota creditor operate credit? Given that the maximum loan interest is 16, Toyota Credit gives me 15.89 interest, is it now a law to maintain a dealer like Fraud Robbers? To provide 2 to 5 interest rates for local residents, I read on the Internet every day and can see Fair loans, regardless of race, so I am a fair loan? The discrimination against me is that XXXX people do not speak English and English pays more than my credit. Credit companies fraudulent loans. As a result of future generations, I definitely Do not recognize such credit companies, for those who have a wealthy and poor value, laborers, how the labor force repays this unfair loan. Legal, legal, legal, all people in the world must abide by and believe, fair law, I beg you to have the rights and the law enforcement person to help me escape this dilemma.
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| 05/31/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Servicemember |
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I went into the Toyota dealership in XXXX, MS in XX/XX/XXXX, and purchased a XXXX XXXX XXXX, and initially, I bought the extended warranty on the vehicle. The extended warranty purchased totaled {$3800.00}. After thinking it over the following day, I told the finance manager that I did not want the extended warranty and to please remove it from my contract. I reached out multiple times and each time she told me the additional care ( {$3800.00} ) would be taken off the contract. Over the span of 6 months, I reached out and requested action on this issue because it wasn't showing up on Toyota Financial 's interface. On one occasion, I requested proof because I was starting to become skeptical of its existence, and like all the other times, I did not hear back about it. In XX/XX/XXXX, I sent one final message requesting action and she read the message but decided not to respond. Therefore, I found it reasonable to escalate it to her management team. Over the course of two weeks, I've called the general manager, general sales manager, sales manager, service manager, and dealer principal. I did not hear back from any of them on the matter. I've been paying interest at 3.79 % for {$3800.00} ( amortized ) since XXXX of XXXX and the team, specifically the financial manager, have in my opinion unethically dodging action to their benefit trying to take advantage of a young servicemember because they don't think I can do anything about it.
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| 02/10/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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Toyota FInancial botched my lease return and then dinged my credit, sent threatening letters and after many hours on the phone, and back and forth - including filing a previous complaint here on CFPB finally acknowledged the car had been returned on time and all lease payments made. They retracted that credit organizations to restore my credit.
They have decided to get 'even ' by sending a threatening letter demanding collection of excess wear and tear fees ( which were already deducted as part of my purchase of a new vehicle in price negotiations ) - instead of just billing me after the long drawn out process they sent it directly to debt collection!
1. The letter sent misstates the date the car was returned : I returned the car before the lease was over on XX/XX/XXXX not XX/XX/XXXX as stated on their debt collection letter.
2. There are disposition fees and taxes added - which are all superfluous and were never stated in our lease contract 3. The letter said to get a condition report of the vehicle to go to XXXX. XXXX said to contact the leasing organization. The interior of the car was in pristine condition when I turned it into the dealer. What happened to it between XX/XX/XXXX and XX/XX/XXXX I should not be responsible for.
4. My {$22000.00} new car has ended up costing {$32000.00} because of all the superfluous fees and the mishandling of the lease return - how can I make a budget with all this rip-off going on!
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| 02/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I purchased a new XXXX XXXX XXXX in XXXX, I put {$2000.00} down I Also trade in my car to tried to lower the principal amount, the Toyota dealership located at XXXX XXXX XXXX, XXXX XXXX VA XXXX offer me a loan with Toyota Motors at the time I did not know what my interest rate was, at the time of signing the loan documents I found out that my payments will be {$730.00} after making almost a year of monthly payments at a very hard interest rate I was not able to continue with the payments, I fall behind for 3 months and, soon after Toyota repossess my car. I got sick and I did not work for a few months so I could not make the monthly payment of the Toyota motor on time.
after they repossess the car they sold it, Toyota motor never disclose to me the amount the car was sold for. they told me that I now owed {$13000.00}. now that I have worked hard and have some savings, I called Toyota motors to request a settlement back on XX/XX/XXXX they told me they will escalate the issue and will get back to me in the next 30 to 60 days. today is XX/XX/XXXX and no one has called or mailed me a letter in response to my request. I'm willing to settle this account with the company but they keep on ignoring me, it is very frustrating while I'm trying to work with Toyota they keep reporting to all 3 bureaus of credit, they don't want to give me the opportunity of getting this situation address. this is been a very frustrating situation to me.
|
| 09/08/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
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|
Web |
Servicemember |
|
To whom it concern ( Toyota Financial Services ), these are all the documents that were received during my XXXX and while I was living overseas since XX/XX/XXXX-XX/XX/XXXX. While I was overseas there was a lawsuit against Toyota because there was no e-filing. I had returned the vehicle two months after purchasing dated XX/XX/XXXX, so XX/XX/XXXX or XX/XX/XXXX I had returned the vehicle. The vehicle was on lease to own terms. The Military XXXX I have provided are the XXXX that broke the lease, Toyota agreed there will be no charge upon release of the vehicle through my XXXX because Toyota supported the Military XXXX.
A year after purchase Toyota had sent a lawsuit document but I was still living overseas, therefore I had no recollection of what was going on. XXXX had TMCC at the time as their financial company and they had made a mistake. Toyota was making an offering ( a settlement ) in regards to faulty paperwork CASE NO. There was also a recall on my vehicle but I turned the vehicle in two months after purchase. There should not have been any charges or reporting to my credit upon Military XXXX. This has put a financial burden on my life as far as purchasing a home, a vehicle, and this has also negatively ( damaging ) affected my credit for the past 6 years due to false reporting to credit bureaus. I would like the entire account removed from my credit or I will get a lawyer for a settlement for pain and suffering.
V/R,
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| 11/28/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I submitted a Lease Payment Deferral Agreement with XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX ( not 30 days late at this point ) to defer XX/XX/XXXX payment. At that time I paid the deferral fee in the amount of {$120.00}. I requested for the Deferral documents to be emailed to expedite the process time to ensure that the agreement would be processed in a timely manner. I did not receive the document on XX/XX/XXXX, therefore I contacted XXXX on XX/XX/XXXX to receive the documentation needed, I was advised that the email was sent, it takes a few minutes to be received. I attempted again on XX/XX/XXXX to receive the documentation and I signed and returned the documentation by fax receiving a confirmation of receipt. I contacted XXXX early XX/XX/XXXX to see if the information was received and I was advised that the deferral was not processed at that point and I was advised to call back. I contacted LFS on XX/XX/XXXX to learned that the documentation was not received or processed, therefore I sent the documentation again. At this time the Hurricane Irma had made landfall in the Florida/Georgia and we were forced to evacuate. I learned a week later that the deferral was not processed until XX/XX/XXXX and a 30 day late payment was applied credit to our credit report. A dispute was sent to the dispute department and denied stating that the payment was already 30 days late which is incorrect. This account has never been 30 days late.
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| 01/28/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Credit denial
|
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Web |
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On or about XX/XX/2019 I submitted an application to Toyota Motor Credit to take over the lease of my cousins car. She had a XXXX and could XXXX XXXX XXXX. I was doing her family a big favor. My credit history, per all three bureaus is outstandingXXXX score.
By the beginning of XXXX when I had not heard from them I started calling. I called repeatedly, dozens of times and could get no response.
A letter was finally sent to me dated XXXX XXXX and first received in XXXX stating I was rejected for credit.
The only explanation was - Income insufficient for amount and term of credit requested.
This is not true. The amount was {$320.00} for 16 months, and well within what I could afford. ( per all the Credit bureaus ) I have been attempting since XXXX to get a more detailed reason for the denial. All I hear is " We are looking into this '' I believe per regulations at the least they have to tell me which credit bureau they used and the credit score they used.
My credit history is unblemished and this is totally unfair.
The customer service Resolution department has to communicate with their customers fairly and within a reasonable time frame.
Stonewalling customers is I suspect totally out of compliance with regulations.
I am entitled know the facts why I was rejected.
I have moved from the address on the application Former address- XXXX XXXX XXXX XXXX, XXXX, XXXX NY XXXX New address - XXXX XXXX XXXX, XXXX NY XXXX
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| 03/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
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Web |
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The last payment on my toyota vehicle loan was due XX/XX/2022. I had set up payments with XXXX XXXX XXXX to pay the loan on time every month. I never worried that the payments were late or unpaid because they were automatic. The payments were set up with my bank to go out on the XXXX of every month. I paid in good faith, monthly and assumed that all payments had been made in a timely manner. I was not aware that the last payment had been missed until it was too late. If I had been aware of the missed payment I would have, of course, paid it within the grace period as I had sufficient funds to pay. I was not making any attempt to avoid payment. However, Toyota 's attempts to contact me fell short of what I would have expected. I did not receive any written communication from Toyota. They told me they attempted to contact me by phone 3X. I will not answer my phone if I can not identify the phone number because of the large amount of spam calls I receive, and the first 2 callers did not leave a message ( thats their policy ). The third call made it through to me on XX/XX/2022, 4 days after the end of the grace period. When the agent informed me that the payment was late, I made the payment immediately. That was the last payment of the loan, and I was now PAID IN FULL. I had already been reported to the credit bureau before I even spoke with anyone from Toyota and Toyota did not inform me that I had been reported to same.
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| 07/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
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On XX/XX/XXXX XXXX XXXX XXXX and I, XXXX XXXX, purchased a XXXX XXXX XXXX XXXX XXXX VIN : XXXX from Toyota of XXXX. I made a down payment. We were financed for the vehicle through Toyota Financial Services.
On XX/XX/XXXX I caught XXXX engaging in XXXX with another person. The personal relationship dissolved or ended. I repossessed the vehicle.
On XX/XX/XXXX XXXX apologized and reconciled so I returned the vehicle to XXXX.
On XXXX the XXXX, XXXX XXXX continued engaging in the cheating, lying, and trickery to obtain the vehicle.
On XX/XX/XXXX XXXX did not pay the first payment {$370.00} and did not pay any money toward insurance coverage for the vehicle.
On XX/XX/XXXX I filed a Civil Plenary Complaint in XXXX Circuit Court 4. ( Attached ) On XX/XX/XXXX Court ordered XXXX removed from the vehicle and full ownership awarded to me. ( Attached ) The court determined that the debit obligation exceeds the market value of the vehicle.
On XX/XX/XXXX I put check # XXXX in the mail for the initial payment.
On XX/XX/XXXX I called Toyota Financial Services to remove XXXX from the Retail Sales Contract. They refused to remove XXXX from the contract. They said they can not remove XXXX from the contract nor abide by the courts order. They refused to refinance the vehicle in my name only so that I may get the vehicle Titled and plated in my name only. Toyota Financial Services are taking initial steps to repossess the vehicle.
|
| 03/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Hi Toyota Motor Credit ; I got into an accident with my XXXX and the Gap and insurance should be paying for his. I told you guys about this.
Im little confused after I review my credit report earlier. COVID19 and you still ruin your clients credit? Wasnt there a special accommodation set in place for this not to happen when I called? Listen, I was protected under Mr. Trump Cares Act and i've called you guys before to make proper accommodations because of the COVID19 pandemic.
Basically, I was reviewing my credit report and noticed a late payment reported on my credit report by your company. I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditors can not report payments as past due, and make proper accommodations to consumers.
Also, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and notice that you deducted the money out of my checking account on the month that you marked me late on my credit report.
|
| 07/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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I leased a XXXX Toyota Rav4. I had to pay my first lease payment when I leased the vehicle. Toyota Financial is stating they are reporting all payments to all major credit bureaus. When I got my annual credit report this year, I noticed my first car payment was not reported on my XXXX Credit Reporting Agency. In addition to my first car lease payment was not reported on my XXXX Credit Reporting Agency. I first attempted to repair the inaccuracies with Toyota Financial Services, who sent me a history report that shows a first payment was made of {$320.00}. In XX/XX/XXXX I disputed the inaccuracies with XXXX Credit Reporting Agency and with XXXX. I received my XXXX Credit Report dated XX/XX/XXXX. My first lease payment is still not reflecting on my credit file, which also makes it appear as if I owe Toyota Financial more than what I owe. I am due to turn the car in on XX/XX/XXXX. My last payment is XX/XX/XXXX. All I want is my fair credit reported correctly. I made a {$320.00} payment to Toyota Financial Services on XX/XX/XXXX, yet the payment is not being reflected on all major credit bureaus. XXXX placed a REMARK on my file stating DISP INVG COMP CONSUM DISAGRS. I requested a dispute, so that my first lease payment made on XX/XX/XXXX of {$320.00} would reflect correctly and accurately. Please investigate this matter thoroughly. This is an isolated incident, that may possibly constitute identity theft of some sort.
|
| 01/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
Servicemember |
|
I researched buying a new vehicle at a local XXXX dealership, XXXX XXXX in XXXX XXXX New Jersey. I found a vehicle I wanted, emailed their sales department and received an email laying out the financials of buying this vehicle. The most important detail was a {$7400.00} " upfront savings '' discount.
I went to the dealer, spoke with a sales person, picked the vehicle and sat down with sales person and sales manager to go through the financial details. The manager wrote down the information including the {$7400.00} " upfront savings ''.
I signed the contract and left with the vehicle. Upon further inspection of the contract, the financial detail page is behind a page that I signed and it did not have the {$7400.00} savings. I immediately phoned the original online sales representative who promised to look into it, I waited a week with no response. I emailed the representative and have not received a response back after another week.
I feel like I was knowingly deceived by the sales manager. I believe that this was a simple bait and switch situation and would like to receive the savings or return the vehicle.
I have not made a payment yet and am not due to until XXXX XXXX.
If I can not receive the savings or return the vehicle, I would ask that XXXX XXXX of XXXX XXXX be monitored for other shady sales tactics towards XXXX XXXX members.
Thank you in advance for your time and consideration.
XXXX XXXX XXXX XXXX
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| 05/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
On XXXX XXXX l made contact with Toyota Financial Services Administration and spoke with a representative in regards of cancellation on my Gap insurance and Extended Maintenance Service.
Toyota Financial Services representative stated that Gap insurance was cancelled, and he told me that l had to send him a fax on my Gap cancellation fax number XXXX.
I told rep, that I sill send the fax, but l opted to send my written cancellation by email to XXXX XXXX dealership Finance Manager Mr.XXXX and l did email him on my cancellation with vehicle vin number and recent mileage on Vehicle in mileage is XXXX.
Toyota Financial Services stated that they was charging me {$50.00} for Gap insurance cancellation and l was going to receive only {$900.00} instead of {$1000.00} in refund.
Also, l respectfully requested cancellation of Extended Maintenance Service with XXXX third party XXXX XXXX XXXX, their representative has told me on pre.recorded phone conversation that l had to contact XXXX California XXXX dealership Finance department to cancel the extended Maintenance Service on my vehicle.
I did made contact with Mr.XXXX in the Finance Department and he hasn't responded my email on my cancellations.
Extended Maintenance Service is {$1000.00} and there is another XXXX fee to cancel.
I sent emails to XXXX XXXX Customer Service Ms.XXXX XXXX and Customer Relations Director Ms.XXXX XXXX, and they have not responded.
|
| 05/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
Older American, Servicemember |
|
This is the letter that I wrote to Toyota Financial XX/XX/XXXX I am writing this letter in hopes of getting a better deal for what I am paying for. I have a XX/XX/XXXX Toyota XXXX. I first got the vehicle in XX/XX/XXXX. I have never missed a payment since having this car. I also had a XX/XX/XXXX Toyota XXXX XXXX before this car and the payment was over 500 dollars but I never missed a payment. I have been paying a very large large amount for the product that I have. My payments have been over 500 dollars a month on both cars ever since I got them. Why do I have to continue pay such a large amount? Is that fair? both of these are used cars. and this last one why do I have to keep paying for 84 months? I know that I did sign both contracts but I really thought that this was because of my credit issues and I did really need a car desperately. I did try to give the last car back but it was past the 3 day limit and they said that they would not take it back. Since I have been paying faithfully and have not missed a payment. I just want a better deal. By the way since when did 84 months of paying a car start. Can't say that I ever knew about this trap that Toyota put me in but I hope that they will have some empathy and cut me a new deal that is reasonable for what I have been paying for. thank you. my account number is XXXX. My name is XXXX XXXX. My address is XXXX XXXX XXXX in XXXX XXXX California. ( XXXX ) XXXX
|
| 01/11/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
Toyota lease on a XXXX XXXX XXXX, 2 years, 24,000 miles. Extended the lease for 6 months as of XX/XX/XXXX. Turned in the vehicle on XX/XX/XXXX, with 22,867 miles on the odometer. Car was in perfection condition. Received a bill from Toyota Financial Services dated XX/XX/XXXX, for {$970.00}, this includes the disposition fee of {$350.00}, a {$560.00} charge for a cargo cover, and a sales tax fee of {$57.00}. I was told that the disposition fee would be waved if I purchased/leased another Toyota within 30 days of returning my previous vehicle. I entered into negotiations on a new Toyota on XX/XX/XXXX, but the dealer did not have the car I wanted in stock, which I 'm waiting on. Toyota Financial says " Too late '' and I have to pay the {$350.00} disposition fee. The cargo cover charge far exceeds the actual cost to the consumer for a new cargo cover, listed at {$190.00}, on Toyota 's website, and genuine replacement cargo cover on XXXX for {$100.00}. I 've asked for a receipt for the cargo cover once they receive payment and at first they declined. I pushed them for a receipt and they said that they would look into whether or not they would provide me with one. I may be able to negotiate the disposition fee with the new dealership I 'm working with, or I may simply decide to buy a car from a different manufacturer especially since I believe Toyota has charged close to 3 times what the cargo cover actually costs.
|
| 08/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I have purchased 3 vehicles from XXXX/Toyota in the last seven years. I traded my first XXXX in for a new XXXX and bought an additional XXXX XXXX. I am in the process of building a custom home and needed to payoff the XXXX XXXX ( three years early ). I put every penny made into paying this car off early.
My payments were : XX/XX/XXXX {$9000.00} XX/XX/XXXX {$8100.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} I made the last payment on the XXXX XXXX on XX/XX/XXXX. I received a refund check of {$830.00} on XX/XX/XXXX. I thought it was an overpayment. I received a call a few weeks later saying that I missed the XX/XX/XXXX payment. I then realized that I accidently paid my XXXX XXXX ( # XXXX ) payment to the XXXX XXXX account. I now have a 30 days past due mark on my credit which is affecting my chances of closing on my house in two months. I understand that I made an honest mistake and that is why the money was sent back, I try to pay overage on all of my payments. I was planning on buying a XXXX XXXX after we closed on my house, but how can I give my business to a company that I was loyal to for so long and three cars later. I have spoken to three representatives at XXXX XXXX XXXX and the pretty much told me 10/10 times they will remove this mark from my credit because of the situation. I got a letter today stating that they will not remove it.
|
| 10/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
My first few regular car payments to Toyota Financial Services were fine, no issues. Then I made a regular monthly payment ( XX/XX/2023 ) plus a separate payment toward principal, which was an option on their website/payment portal. No issues. The following month ( XX/XX/2023 ), I scheduled both a regular monthly payment and a principal payment only to discover a week later that the payments I scheduled in advance were not applied on the date I selected. I also noticed their payment portal had changed slightly from its initial look, with easy to use features. Now their payment portal is not as intuitive and the option to pay toward principal has been removed. According to the XXXX, many customers are complaining about the terrible service they are receiving by phone with many complaints about the same complaint I am making and the reason I've chosen not to contact them directly. My blood is already boiling. This is shoddy treatment of their customers, not to mention a malicious attempt to handicap customers who want to pay their loan off early. In addition, they are not transparent about how much extra interest I have to pay them for " missing my regular payment '' in XX/XX/2023, the scheduled payment they inexplicably wiped off or did not take. I have been a Toyota customer for XXXX years. The deceitful shenanigans Toyota Financial Services employs to get the maximum buck out of their customers is criminal.
|
| 08/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I am a XXXX veteran. I was living in XXXX South Carolina for 1 year. Before moving to South Carolina I purchased a XXXX XXXX. The day I was purchasing the XXXX I explained I did not want my payments to be more than {$300.00}. I was feeling unwell that day and they took advantage of me and loaded the contract with packages I was not interested in and could not afford. I was shocked to learn my monthly payment was going to be {$740.00}. I did that for a while but could not afford it. Despite multiple phone calls did the dealership to rectify the situation I just decided to pay {$300.00} a month the loan. I never missed a payment except for when I was hospitalized due to falling and XXXX XXXX XXXX one month and the second month I got stung by a stingray. then hurricane came and we were ordered to evacuate that area. I still never missed a payment. I went to the local XXXX and took out money orders. one of them they said they never received which I strongly suspect fraud on their end. It's been a nightmare to fix this on my credit report. I no longer have this vehicle. That same month I might have been late on my mortgage payment by a day or so but I never not paid. I'm somebody that has paid everything on time and I pay more then the required amount. I've been waiting months to work on a refinance now that my XXXX paperwork has finally come through from VA. Please help get my credit score fixed so I can do refi
|
| 12/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
NOTICE TO CEASE AND DESIST To whom this may concern, On XX/XX/2022 a form of communication in an attempt to collect an alleged debt was mailed to me. I do not know who XXXX XXXX XXXX XXXX is, I certainly did not give my personal information to you and I did not consent to you communicating with me.
Pursuant to 15 USC 1692a ( 2 ) - The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
You are a debt collector and you are implying that I, a consumer, owes a debt. Trying to collect on an alleged debt in the amount of {$4000.00}. That is a violation of 15 USC 1692b ( 2 ) Pursuant to 15 USC 1692c ( c ) - I am refusing to pay this alleged debt and it is my wish that you cease any further communication in connection with this alleged debt, that includes communication with anyone, especially any consumer reporting agency.
Do not report anything on my consumer report, you do not have my consent.
Pursuant to 15 USC 1692c ( c ) ( 3 ) - As the original creditor, I am invoking my specified remedy, specified remedy includes the following ; -An apology for contacting me without my permission, including a notice that your further efforts are being terminated - A check in the amount of {$2000.00} addressed to me, the consumer for violating my consumer right to privacy by contacting me without my permission and for implying that I owe a debt
|
| 05/24/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2021 Toyota Financial Services received a check for a payoff of my lease. On XX/XX/2021 as seeing the account was still open and showing past due, I called Toyota Financial Services to inquire about the status of the payoff. I was told that Toyota was missing the odometer statement that was needed for payoff and once the odometer statement was received the account would be closed and paid off. On XX/XX/2021, I called Toyota Financial Services to check on the status of the account and odometer statement. I was advised the odometer statement was received and the account was heading towards being paid off and closed which would happen by XX/XX/2021. On XX/XX/2021, seeing the account was still opened and still being reflected as past due, I called and was advised the account was in the process of being closed and paid off yet again. On XX/XX/2021, I received a call from Toyota 's Collection Department stating the account was 29 days past due. I informed Toyota that they received a payoff dated XX/XX/2021 and the account wasn't past due, that Toyota needed to do their job and process the payoff.
Toyota has engaged in unfair and deceptive practices as not to process the pay off of the account. Toyota has financial harmed me by having this account reflect as past due and reporting a 30 day late payment to the credit bureau, which is factually incorrect. Toyota continues to cause financial harm to myself.
|
| 10/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " TOYOTA MOTOR CREDIT '' I do not recall authorizing or " someone is using my identity ''. I understand that " TOYOTA MOTOR CREDITY '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.
Inquiry date : XX/XX/2020 I sent a certified letter to TOYOTA MOTOR CREDIT on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested TOYOTA MOTOR CREDIT to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim.
TOYOTA MOTOR CREDIT - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " TOYOTA MOTOR CREDIT '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
|
| 09/14/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
In XX/XX/2020, I sold my lease vehicle ( From Toyota ) to XXXX. XXXX subsequently mailed a check to Toyota Financial Services ( XXXX XXXX, IA XXXX ) and Toyota received the check on XX/XX/XXXX ( per XXXX ). It has been more than two weeks since Toyota has received the check, which is greater than the payoff amount. Thus, once they process the check they are supposed to send me a refund. In the meantime, I have to pay the car 's monthly lease until they process the check.
During the week of XX/XX/2020 I contacted Toyota for a status update and was told that the check will be processed by Wednesday XX/XX/XXXX. On Monday, XX/XX/XXXX I called for a status update and was now told that the check will be processed during the week of XX/XX/XXXX. During all my calls, I was told to not make the lease payment that is due on XX/XX/XXXX ( I have call transcripts as evidence of this ).
Based on the constant delays, Toyota is trying to avoid processing the check for some unknown reason. I have been a Toyota Financial client for 4-5 years and it is ridiculous that Toyota Financial is lying to their long-term client about check processing dates. Theoretically, the week of XX/XX/XXXX can become the XXXX, then XXXX, and so on.
I am asking Toyota to process the check with all deliberate speed and then issue my check of {$220.00}, since the check they received from XXXX is larger than the outstanding lease by {$220.00}
|
| 07/06/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
XXXX I am in Dispute of - THE RESULTS OF YOUR INVESTIGATION -CREDIT FILE DATED : XXXX XXXX XXXX Confirmation # - XXXX / of RECEIVED : XX/XX/XXXX ( ENCLOSED ) XXXX - I am in Dispute of - THE RESULTS OF YOUR INVESTIGATON - CREDIT FILE DATED- XX/XX/XXXX - REPORT NUMBER- XXXX RECEIVED : XXXX XXXX, XXXX credit report prepared for - XXXX, XXXX XXXXYour report number is XXXX date : XX/XX/XXXX Credit Items LEXUS FINANCIAL SERVICESAccount Number : XXXX ... ... .Outcome : UpdatedTo Whom It May Concern - REINVESTIGATION RESULTS/ BILLING ERROR DISPUTEFirst and far most, PLEASE NOTE : Account 1 ) : Experian- LEXUS FINANCIAL SERVICES - Account XXXX is an inaccurate account XXXX This is the first inaccurate Noticeable point, I would like to imprecise. Next, Account 2 ) XXXX TOYOTA MOTOR XXXX XXXX Account XXXX is an inaccurate account. Therefore, this account is apparently a fraudulent account. Your re-investigation will determine, There is certainly more than XXXX creditor, for the same vehicle/ with the same- Vehicle Identification Numbers ( VINs ) - Vehicle Identification Numbers are unique codes given to each on-road vehicle in the United States XXXX From XX/XX/XXXX, each new car is given a standardized XXXX code, which includes a serial number. A XXXX lets you unlock vital information about the vehicle and its history. In addition, Locating VINs - You can find a XXXX on the car itself and on a variety of documents.
|
| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Toyota is reporting inaccurate information on my credit report that is causing severe financial UNFAIR and UNLAWFUL consequences to my financial future. My rights under the FCRA are in complete violation. I'm asking for immediate attention to this issue as my own efforts of disputing directly with Toyota and with all three credit bureaus has not worked for over 6 months.
For one of the two remarks Toyota has acknowledged the error in writing and I was told the late payment information would be removed from my report as TOYOTA acknowledged the late payment history was inaccurate. This has still not happened.
This account for was paid as agreed and closed on XX/XX/XXXX, and its reported as if the last delinquent payment date was in XX/XX/XXXX, almost 5 years after it was fully satisified.
While the second inaccurate reporting is even more damaging.
It lists the vehicle repossession occurred in XX/XX/XXXX, last payment occurred on XX/XX/XXXX, charged off in XX/XX/XXXX.
But it was posted as if the account was closed only on XX/XX/XXXX (? ), with a balance of {$6900.00} (? ) and from then, its been reporting me late every month since the charged off date. How can late payments continue to report YEARS after the account has been charged off?
These errors are keeping me from being able to obtain housing of any kind and is also impacting the ability of me as a father to help my daughter pay for college
|
| 03/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I have been in contact with the company on a regular basis due to numerous issues I have encountered while trying to make payments. I was blocked out of my online account and have yet to regain access to it. Every agent I speak to they guarantee it will be back up within 48 hours, but it never is. I was instructed to delete and reset the account and yet nothing.
XX/XX/2019 - Spoke with an agent who stated I would receive a phone call from IT to figure out the state of my account and no call was received.
XX/XX/2019 - Made a phone payment. According to TFS this payment was never processed. The payment goes through XXXX XXXX, and they recommended I contact my bank. The problem is, this payment never applied to my bank account but all bank information was taken and a confirmation email was sent.
XX/XX/2019 - Made another phone payment. Received an email confirmation.
XX/XX/2019 - Called in regards to my payment not posting. Agent stated the payment is still processing but on the TFS end the payment is posted on my account but not applied or processed. Problem is that I do not have access to any of this. Agent stated I need to make yet another payment in order to be brought to current but they can not guarantee when the payments will process and if I will be current. I have a problem with continuously handing out various confidential information and not knowing what is happening with my account.
|
| 06/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
So mi XXXX, someone called into XXXX bank and processed XXXX claims in XXXX days. I wen tto withdraw money from the ATM and both checking accounts were frozen. I spoke to the manager at the branch and he advised me that XXXX will no longer be doing business with me because of all the claims I filed. I advised the manager and XXXX phone claims dept I did not call in or authorize these claims and told them do not approve them and chase approved them anyways and the fraud people took the money out. I been going back and forth with the CEO, COO and Co President of XXXX and Toyota and I have received no assistance even when one of XXXX 's executives said they have no record of me calling in so if that's the case how did I call in XXXX claims? I asked Toyota to add the returned payments from last year to the end of my contract and I would pay them even though I shouldn't but I did that to try and keep my car from being taken from me. Toyota still took the car and said sorry for your financial hardship but you need to work that out with the back. XXXX reopened the investigation but has not returned a call or answered and email on how we can resolve this issue. I did not call in claims on my own car as this was my XXXX car with toyota. Someone stole my identity and took advantage of chase and toyota and now I am paying the price. I have all emails sent to toyota and XXXX proving I did not call these in.
|
| 07/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I leased a car from XXXX Toyota in XXXX. I was in an accident on Tuesday XX/XX/2019 and my car was totaled. I was 0 % at fault. Toyota was notified within a day of the accident and immediately closed my account. I personally contacted them to make them aware of the accident, too. Toyota was sure to let me know that I did not have any missed payments on the car. My insurance was handling the financial part of reimbursement to Toyota ( XXXX XXXX XXXX ). I was working with multiple people, but one woman 's name was XXXX XXXX. Her contact was XXXX. The claim was completed immediately after the accident. When I went to purchase a new vehicle, I found out that my credit score had dropped significantly. I looked and saw a delinquency charge from Toyota just 2 and a half weeks after the accident. I was never notified of this charge by Toyota, either by mail or phone. I called my bank and asked them what the charge was from, and they said that Toyota submitted a delinquency charge against me on XX/XX/XXXX, only about 3 weeks after the accident. I do know that Toyota received their check from my insurance company on XX/XX/XXXX paying entirely for the totaled lease vehicle. Toyota was no help at all in this matter - and sent me on a wild goose chase which costed me hours of my time. I now can not finance or lease a new car due to this drop in credit resulting from a wrongful delinquency charge by Toyota.
|
| 05/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I came to the dealership to purchase a new vehicle. I was greeted by XXXX XXXX XXXX, the sales consultant, there. After we sat down and discussed the terms to the new car purchase, he and the sales manager, XXXX XXXX, told me the price for the new XXXX Toyota Camry SE was {$19000.00}. With that price being agreed upon, I went in the room to discuss the finance with the financial manager, XXXX XXXX.
XXXX told me that because I did not qualify for a low interest loan, they would have to take away the {$2500.00} cash back offer by Toyota manufacturer so I can be qualified for the loan. That brought the total up to {$22000.00}. On top of that, he said because Toyota financial service will only guarantee me the loan if I purchase all of their warranties. At the end, the total came up to be {$31000.00} including tax and title fees. When finally drove the car home, I realized that the paperwork stated the car was a XXXX Toyota Camry SE but the car they did the paperwork on was a LE model, which cost less than the purchase price on the paperwork.
I contacted the dealership later trying to resolve my problem but XXXX, XXXX, and XXXX refused to work with me to resolve the situation. Even though they provided me with misleading information on the purchase price and the actual model of the car. XXXX also falsely told me that I need to purchase all of their warranties in order to qualify for the loan.
|
| 08/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I bought a Toyota XXXX. XXXX is a hydrogen car that Toyota sells with a discount, a state rebate, and a {$15000.00} fuel card.
This fuel card was characterized to me as having 150 fill-ups while the price of hydrogen went down. That was the way for Toyota to incent the car purchase and protect the buyer from high fuel expenses.
At the time, the card 's value was {$15000.00}, the price of hydrogen at the time was {$18.00} per Kilogram and the car 's tank had a capacity of XXXX Kilograms. So it was pretty close to XXXX tanks. They even claimed it could get close to XXXX miles of fuel.
Since I bought the car, the price of hydrogen has not gone down at all. In fact, it has more than doubled. There are XXXX people in the state of California on the same boat. The number of tanks the fuel card holds has gone down by half, the car 's value is intimately tied to the card, and Toyota does nothing to at least make folks whole. It's a double financial whammy. The card 's value is halved, and the car 's trade-in value also keeps going down. Toyota is the single larges customer of this fuel in the state of california and its actions have an impact on every other player in the market.
The real shame is that it's likely the hydrogen infrastructure will collapse, and the car be worthless. Yet, I still owe Toyota {$30000.00} for a car and a card whose purchasing value went down {$7500.00} in a year.
|
| 09/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On the day of XX/XX/2021 I signed a contract with XXXX XXXX XXXX. At the price of {$44000.00}. I was not provided with the type of notice of my rights to rescission under the Truth in Lending Act ( TILA ), 15 U.S.C 1601et Seq this is required by federal. Upon reviewing my contract, oblations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 12 CFR 1026.3 named XXXX in XXXX. Per the Congressional finding of XXXX as well as my due diligence, " It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able during the consummation of the contract XXXX XXXX did not disclose my right to rescind. Thus being the case, pursuant 15 USC 1635 I have the rights to rescind my initial consent to pursue the pervious terms. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the cash payment was only of benefit to you. 15 U.S code 1635 ( b ) ( F ) I ask that you return my Down payment of within 20 days of this notice by law. I understand that I no longer have the car but will like my down payment money returned to me.
You can contact me at XXXX or XXXX. I look forward to a speedy resolution to this matter.
Best regards, XXXX XXXX
|
| 07/25/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
TOYOTA MTR # Multiple lates retro reported which is erroneous and illegal. Before I pursue this matter using the legal system, I want the CFPB to resolve directly with Toyota. I can prove, by monthly bank statements, all payments on time. Attached is an example of my credit from XXXX XXXX reflecting before and after dispositions.
Almost a year after returning the vehicle Toyota Motor went back into my payments and reported one late payment for XX/XX/2016.
The following month they changed that XXXX reporting on the closed credit line as current and changed 3 years of history into 30/60/90 day lates.
It does not make sense how they allowed me to keep a car if I was always late.
I was able to retrieve most of my bank statements to show payments made on time. Some of the payments from early XXXX I was not able to obtain proof of them retro reporting. My bank account that I use to pay them from is closed and I have no access to prove their malpractice.
I am requesting help with this financial fraud. I would like them to either fix the retro late reporting and apologize or simply remove the credit line. They have prevented me from qualifying for a home for me and my children. I am a single mother of XXXX and they have caused me great grief and inconvenience. I don't know why they did what they did. Surely the law must have a way to protect consumers against such retro false reportings.
|
| 03/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX and XXXX credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of XXXX XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. Toyota Motor Credit responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. XXXX XXXX XXXX was the same in their refusal to delete even though the CA they sold the account to had deleted the negative information in XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?
|
| 09/20/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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I paid off a leased vehicle with Toyota Financial over 1 year ago. The tags on the vehicle expired in XX/XX/XXXX. I never received a title. I contacted Toyota Financial in XX/XX/XXXX to request a new title and was told that they had to request a replacement title from the Virginia DMV, and could take up to 60 days. 60 days passed of driving on expired tags and we still have not received a title. My husband called Toyota Financial and explained that we had not received the title. They stated they could overnight a lien release letter and we could take to the DMV to get the title printed. Upon taking that letter to the local DMV, my husband was given a replacement title for someone from Toyota Financial to complete. I called and was given a fax number to send the form to and it would be3 completed within a " few days ''. I told them that this was unacceptable and I needed a email address of who to send the form to be completed. He drove 30 minutes away to the DMV and I had to wait on and off hold with several employees and still was not given contact information to the person completing the form because that person " works in administration and does not talk to customers '' I requested and still would talk to someone in administration at Toyota Financial. It is XXXX, and I still do not have a title from a vehicle I paid off in XX/XX/XXXX. I need my title or I need my {$26000.00} refunded.
|
| 02/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
Thank you for reading this inquiry. I purchased the XXXX XXXX XXXX in XXXX of 2020 and the XXXX vehicle was listed as roughly {$37000.00}. At that time, the salesperson at the dealership added {$10000.00} of warranties onto my note. I fought for months to get the warranties removed and finally, the cost of the vehicle s down to the original price of {$35000.00}. I traded in a XXXX XXXX XXXX and it was valued at {$8000.00} and I did not receive the full value of the trade. I received almost {$2000.00} less than the trade value. Lastly, upon check-in on the value of the XXXX XXXX, the vehicle is only worth {$18000.00}. Not the {$35000.00} owned on the vehicle. I was charged double of what the vehicle is worth and can not refinance to lower my monthly out of pocket because the vehicle is not worth {$35000.00}. I am feeling like I made a huge mistake by purchasing this vehicle from XXXX, and as a consumer, I did not think I would be this taken advantage of. I am asking for someone to look into this purchase and please find leniency, to reduce the cost of the car. I like my XXXX, but I can not afford to pay double of what the car is worth.
Thank you XXXX XXXX XXXX Mileage : XXXX Miles VIN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XXXX of 2020, I entered into a deferment with Toyota Financial for several months due to the covid and losing employment. My deferment was ending in XXXX of 2020. I was turning the vehicle in as early lease termination since the lease would be up in a few months anyway I could no longer pay for it due to the impact of Covid. On XX/XX/XXXX I was admitted to the hospital for emergency XXXX. Which I provided documentation. On XX/XX/XXXX I became extremely ill and was hospitalized and tested positive for XXXX. I remained in the hospital until XX/XX/XXXX. I was still under XXXX due to a lingering XXXX and on and off again XXXX. ( documentation provided ). I called Toyota Financial immediately and told them I couldn't return my vehicle until I was released from quarantine. I was released on XX/XX/2020. I called Toyota and was told someone would call me back within 10 days. On XX/XX/XXXX I called them since no call was received. They told me to find a local dealer and return the vehicle. I returned the vehicle on XX/XX/XXXX ( documentation provided ). I told them I was concerned about the credit reporting. The supervisor told me she would make a note to the account and I could dispute it. Which I did, two times with Toyota financial and two times with all 3 bureaus No one removed the 30 days late. This is unfair and It was a result of a pandemic and being contagious with a serious virus.
|
| 02/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
i received the XXXX statement in XXXX saying i owe {$210.00}. my normal payment is XXXX but since i been paying over and above the amount i m ahead, so i proceed to pay XXXX which more than cover what the statement says i owe. ( is what i do normally-i never pay the bare amount to get by ), so then after paying the XXXX i was given a statement that says i still owe another XXXX within the same billing cycle. i called several representative. they read me the entire payment history and says i still owe, because i had several deferments. a deferment meaning it's put to the end of the loan. but nope. i owe it. and 2 representative proceed to tell me that TOYOTA FIANCIAL DOES NOT SEND OUT ACCUATE STATEMENTS and i should check online or call in to find out what is actually due each month. so basically toyota found a loop hole, sending out false monthly billing statements, and if not careful you can be charged a late fee or reported as late on your credit. i also escalated my call to XXXX who promise to call me back, that was 2 weeks ago. never called. so now i would like CFPB to step in. as i will monitor closely all the statement toyota sends out and report this as i am told statements sent out by Toyota Financial are not accuarate. this may the the start of a class action lawsuit. please help not just to get a response but help investigate toyota financial 's lending practice ... thank you
|
| 01/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
Bought a XXXX XXXX and went through Toyota Financial XXXX XXXX, XXXX. The pay off date was XXXX XXXX, XXXX. I told them that I usually pay off loans early and asked if there was a pre-payment penalty and they said no. I paid it off in total XXXX XXXX, XXXX. I called and asked when I would receive a refund since I was unable to reach them for a pay-off amount due to holidays and so just paid the full amount. The first time the lady actually said I did not " deserve '' a refund and the second said they prorated my bill. I received an amount for the total payoff for 5 years and paid it in total. I read through my contract and found a clause c. that states " How late payments or early payments change what you must pay. We base the Finance Charge ( FC ), Total of Payments ( ToP ), and Total Sale Price ( TSP ) shown on the assumption that you will make every payment on the day it is due. Your FC, ToP, and TSP will be more if you pay late and less if you pay early '' I went to the dealer once and they said they have nothing to do with Toyota Finance even though they are XXXX XXXX XXXX XXXX XXXX and I got the loan there. I went back a second time with all my paper work and they checked to see if I had any warranty that needed to be cancelled. But could not help. I have called twice more and been hung up on. Please help me. I have never had this happen before and have always received a refund.
|
| 01/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased and traded in a new vehicle from layered XXXX XXXX in XXXX Kansas at that time my trade-in had {$23000.00} left on the loan amount with Toyota financial group. XXXX XXXX did not fully play off the Toyota financial loan leaving a balance of {$250.00}. I was unaware that the new dealership did not completely pay off the loan for the trade-in vehicle they made a mistake during that transaction with paying off the loan to Toyota financial. I get a hit on my credit report from Toyota financial saying that my account was delinquent two months after the transaction with the new vehicles dealership had been completed. I have reached out to Toyota financial numerous times to no avail. I have spoken with the dealership that sold me the new vehicle and made the accounting error and they have offered to write a letter to Toyota financial to dispute the delinquency because it was the new vehicles issue and mistake. They will give me any documents we need to clear this up I have like I said Ive tried to talk to the Toyota financial to no help besides a address.I was never informed by Toyota financial that the loan was not completely paid off and did not know that I was responsible for an additional {$250.00} until I got a ding on my credit I blame the new dealership and I blame Toyota financial for not reaching out to me and not telling me that the complete loan was not taken care of.
|
| 06/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
Toyota has had an item on my credit report for longer than the allowed time. This account was opened in XXXX and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had XXXX cars with Toyota. After speaking with them and informing them that this account is inaccurately being reported as opened in XXXX when all the contracts state XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in XXXX and not XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a toyota account opened in XXXX and all my documents show XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with XXXX XXXX XXXX regarding this issue and was promised resolution but have yet to see it.
|
| 10/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My auto loan is through Toyota Financial Services. I wanted to pay the loan off early so I called TFS and spoke to a representative. I had increased what I thought was the final payment to equal the loan balance. The interest was zero percent so there were no penalties. I was assured that what I had done was correct. That payment was debited out of my checking account on XX/XX/2018, leaving a loan balance of XXXX. On XX/XX/2018, TFS took another {$500.00} out of my account. I called immediately and was assured the payment would be reversed and the {$500.00} would be returned to my account. After several days, I called again since nothing had been done. Once again, I received the same assurances and was told my account should be credited by Friday, XX/XX/2018. As of this morning, NOTHING had been done. I called again and was told, after a long 'on hold ' that a {$500.00} check would be sent. I told the rep I did not want a check, I want it returned to my account. Since my account is closed, that can't be done, even though two previous reps assured me it's what would be done. I asked the rep what would have happened if I didn't have surplus funds in my checking account, and their mistake would have caused NSF items. I got no answer. I also asked for overnight mail service, but was told that wouldn't be happening. I am totally dissatisfied with every person I spoke with, and with TFS.
|
| 04/08/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
I had XXXX auto loans with Toyota Motor Credit which were paid off in XXXX and XXXX. Since these dates they have appeared on my credit report as " pays as agreed ''. I have attached a copy of my report which details each month since these dates as marked XXXX and XXXX Then on XXXX, Toyota reported these account as Pays 31-60 days and 90-120 days even though they were paid off years ago. There was no reason to change the status of these account as I did not owe anything to Toyota and for the past nearly 6 years they have been reported as " pays as agrees ''. I wish Toyota to change the status back as had been reporting. I had previously disputed why these old account remained on my record, and then Toyota goes and puts old information on my record that has no meaning and relevance at this time. I have attached the XXXX pages from my XXXX Credit Report for XXXX which shows both accounts reported as " Pays as Agrees '' and the XXXX pages from XXXX, which the account status changed. And on XXXX report you can clearly see the many years after the accounts were paid, there was no negative reporting by Toyota Financial. It is very harmful to me that Toyota for no reason would ruin my credit record now, for payments nearly seven years ago, when in reality these accounts should not even still be on my credit report. Please have Toyota correct the status back to Pays as Agrees. Thank you.
|
| 06/26/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
We leased a XXXX XXXX from XXXX XXXX in XXXX, OH in the year XX/XX/XXXX. The Owner of the vehicle was my friend XXXX XXXX. I was the co signer. We leased the vehicle for XXXX total years and always made payments on time. The lease worked in a such a way that, We could pay the rest amount of approximately {$8100.00} at the lease end and own the vehicle. After the XXXX years however, XXXX XXXX and Toyota Motors together warned and requested us to drop the car off and the Customer representatives with XXXX confirmed with me that I would not owe them any money after I did so. We wanted to buy the car for the rest {$8100.00} in balance but they did not let us do so. After some time, XXXX let me finance another XXXX XXXX as a single Owner ( XX/XX/XXXX XXXX XXXX, Present Owner ), But reported a {$8100.00} balance to the credit report agencies as a debt I owed them for the earlier car I leased and returned.
Toyota financials and XXXX XXXX acted unethically in a malicious way treating their loyal customers by not letting us buy the car and reporting a balance I did not owe them. I emailed XXXX XXXX back in the day to own the car for remaining balance of {$8100.00} but they never replied as they intended to make more money from me and by also retaining the car. They did not try to help me out. I had so many problems because of losing the car and having a derogatory remarks on my credit.
|
| 06/08/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I am on my XXXX or XXXX lease with Lexus Financial. All previous leases have been paid on time flawlessly. And up until recently, my current lease has been paid on time.
In the last year with Covid, I went on XXXX and am paid only once a month.
And recently my husband had an emergency and could not work for 2.5 weeks and does not get paid when he doesn't work.
So for a few months, I have paid late, but still within the 30 days so not delinquent.
I called today at XXXX XXXX and spoke to a representative and then her manager to 1 ) get my due date changed to when I get paid, and 2 ) have my XXXX payment moved to the end of the lease.
The manager said that I have already had the 3 allotted deferrals for leases and 2 extra due to Covid and that there was nothing they could do.
After several leases and several years and several on time payments, this is how they treat their customers?!
Now my lease will be delinquent because I can not pay my XXXX payment until XX/XX/XXXX when my XXXX payment is already past due.
I will pay my XXXX payment on the XXXX along with the late fee however can not pay XXXX and XXXX!
I am livid! I don't even drive the car! I want to terminate my lease but they said that not only will I have to pay a early termination fee but also the entire value of the car!
Sorry I am rambling. I just know that this is no way to treat long time valued customers!
|
| 12/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On XX/XX/XXXX, I financed a XXXX Toyota XXXX XXXX with Toyota Financial Services Account number XXXX. This letter is being sent to you to make you aware that I am aware that my purchase for the XXXX Toyota XXXX XXXX was a credit transaction action and therefore should not have included a deposit of cash in any amount according to 15 United States Code 1605 ( Determination of Finance Charge ) A ( 6 ).
I would like to dispute this incident without filing suit and here are a list of remedies I would like receive for my consumer rights being violated : 1 ) Refund of my deposit in the amount of {$1500.00}.
2 ) Remedies in the amount of {$1000.00} for every year I've own the vehicle Purchased XXXXSold XXXX ( 15 U.S. Code 2310 Remedies in Consumer Disputes ) To resolve the problem, I would appreciate if your company would review my dispute and concerns in detail and take the necessary steps to understand my disbelief with your Finance Department who is aware I made a consumer credit transaction and should NOT have been required to include a cash deposit.
I look forward to your reply and a resolution to my problem and will wait until XX/XX/XXXX, before seeking help from my state consumer protection office or other assistance. Please contact me at the above address for any information you may need. To conclude I have include a copy of the original purchase contract for your review.
|
| 05/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
BACKGROUND INFORMATION : I took over a 3-year lease on a XXXX Toyota Corolla from my brother-in-law, who no longer needed the car due to his relocation for a PhD program. I agreed to carry out the remaining 10 months of the lease agreement. After paying Toyota the lease transfer fees, I noticed problems in my credit. My FICO credit score is good ( XXXX-XXXX ) -- this has remained generally constant. Nevertheless, I did notice irregularities in my credit report that are disconcerting to me. For instance, my place of employment lists his employer from XXXX state ( I live in XXXX ) and his date of birth appears on MY credit score. This scared me ; therefore, I wrote a letter to Toyota Financial Services requesting they fix the issue and explain how it could have happened and encouraging them to look into others ' lease transfers for such errors. I sent this letter XXXX XXXX, XXXX, and have not received any response in return. I was able to dispute the errors with XXXX, XXXX, and XXXX, and successfully ( I hope? ) have the errors corrected. Nevertheless, I am mostly infuriated that I NEVER received a response from Toyota in response to my problem. I even called Toyota expecting a call back, and they have ignored me at every step.
Please see copy of letter I sent out last month requesting an explanation and relief by rectifying errors with the major credit reporting agencies.
|
| 12/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I received a letter from Toyota Financial Services dated XX/XX/2018 where in the Crux of the letter states that it has not received any unspecified required documentation and that they are unable to process my claim.
On XX/XX/2018 I notified Toyota Financial Services of the total loss happening to a XXXX XXXX XXXX on several occasion I spoke with Representatives at Toyota Financial Services the dates are as follows XX/XX/XXXX XX/XX/XXXX XXXX the XXXX XXXX XXXX and multiple times throughout XXXX on XX/XX/2018 I was instructed regarding the claim number on XX/XX/2018 I spoke yet again with a Toyota Financial Services representative informing me everything 's received in that was needed except for the premium warranty monies from the cancellation and that money is must be refunded in order for The Gap to pay out to Toyota Financial Services I want to XXXX XXXX XXXX request a cancellation of the warranties I am in receipt of those warranties that have been canceled and for those two Toyota Financial Services I've never received any communication from Toyota except for today stating that they may not be able to process the claim I've caught on numerous occasions and also filed a complaint with the Department of Insurance as well and the United States Attorney General and the California Attorney General along with the XXXX XXXX XXXX Toyota is a crooked operation
|
| 06/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
On XX/XX/XXXX - I launched a dispute with XXXX regarding a late payment with Toyota Financial which occurred in XX/XX/XXXX at the time I contacted the company to change my payment due date from the XX/XX/XXXX to the XX/XX/XXXX earlier in the year which had not been changed by Toyota and still reflected the due date of the XX/XX/XXXX. I was late in payment for the month of XX/XX/XXXX/XX/XX/XXXX but requested the removal of the late payment via XXXX. After the investigation the one late payment was changed to reflect 3 late payments occurring in XX/XX/XXXX/ XX/XX/XXXX/ and XX/XX/XXXX. I disputed this new reflection with XXXX providing payment statement withdrawals, the letter dated XX/XX/XXXX asking for a change of due date to Toyota Financial, and a personal statement explaining the situation regarding the one late/none payment in XX/XX/XXXX/XX/XX/XXXX. After the investigation the results were the same/none changed. I then disputed the reporting directly with Toyota Financial on XX/XX/XXXX and received a letter XX/XX/XXXX stating that there reporting was accurate when it clearly was not.
I believe that Toyota Financial is unwilling to fix the credit reporting of my account as a form of retaliation for signing on to the XX/XX/XXXX-XX/XX/XXXX class action lawsuit earlier this year and would like to have a neutral party review the information to confirm or deny my claims.
|
| 05/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My car, XXXX XXXX XXXX is financed through Toyota Financial Services. My car was involved in an accident and was totaled. As a result my insurance paid its part and my gap coverage paid theirs. There was still a remaining balance due which was sent to me to be paid off. First I received a bill for {$670.00} then another bill came a day later with an updated balance of {$590.00}. I paid the the bill with the balance due of {$590.00} and sent in my check with the bill attached following the instruction on the bill. Now after looking at my credit report, Toyota Financial Services has made a derogatory mark on my credit report saying I still owe {$80.00} and the the amount has been charged off.
When I contacted Toyota Financial Services they're telling me they can't find my check or the bill they sent me of {$590.00}. They wanted me to send them a copy of the bill and canceled check. I told them I don't have a copy anymore because the instructions on the bill says to send it in with my check and that is what I did. I have not gotten a chance to send my cancel check because they did not instruct me on how to send it. I have talked to Toyota Financial 3 times. The first two times they said they were going to escalate and get to the bottom of it, but they never did. The last time I called, I asked to speak to a manager and they put me on hold forever that I had to hang up.
|
| 04/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I was in XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX to trade in my old truck for a new one, I had a language barrier with the finance person he said I can have the new truck with no money down, so he made the paperwork in the contract does not said how he got the down payment about 30 days later I received an statement of a credit card under my name given by XXXX , I never authorized that credit car and never spent any balance. so when I went to XXXX to ask them why they did that they took XXXX for down payment and never disclose that to me the Finance person refuse to talk to me.
I don't know what to do, I fell abuse, mislead it. and I am not making payments on that credit card to me is a fraud and abuse I need to solve this matter cause I am not agreed to any credit card. and I can not make any more payments other than the truck and on top of that the finance is very high Can you please help me so XXXX do not keep doing the same to others they are responsible to explain what they do with the clients. they can not hide down payment they are forcing customers to get what they wants not the consumers I am terrible disappointed at XXXX. I was told to talk to the media about this abuse, but I want to see if we can solve this issue and stop the waste of money and time I only speak XXXX can you have some one to talk to me in XXXX please XXXX Thank you XXXX XXXX
|
| 07/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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Toyota Financial Services is reporting a {$1400.00} on my XXXX Toyota Financial Service lease account. The account number is XXXX with Toyota Financial Services.
Toyota Financial Services has sold the balance to XXXX XXXX which is a debt collection agency. XXXX XXXX has reported a debt collection on my credit files with XXXX, XXXX & XXXX. The balance shows {$1400.00} I called Toyota Financial Services on XX/XX/XXXX and verified with XXXX ( representative ) that the account balance now shows a {$0.00} balance with Toyota Financial Services. The balance and collection activity has now transferred to XXXX XXXX.
However, Toyota Financial Services continues to report the {$1400.00} balance on the Toyota Financial Services lease account on my credit report with XXXX, XXXX, & XXXX.
Toyota Financial Services needs to update the balance to {$0.00} with XXXX, XXXX, XXXX since the debt has been transferred to XXXX XXXX.
Currently, this is an FCRA violation as Toyota Financial Services is now reporting an incorrect balance since the debt has been transferred to XXXX XXXX.
The balance should be updated to {$0.00} on the Toyota Financial Services lease account and should be updated on my credit report with XXXX, XXXX, and XXXX.
I have attached the Toyota Financial Services lease account, on how it's being reported to XXXX, XXXX, & XXXX with the incorrect balance.
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| 09/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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Bottom line : Toyota financial is reporting late payments to the credit bureaus on a loan that I've already paid off and has a XXXX balance.
Background : I took out an auto loan with Toyota Financial for {$27000.00}.
I paid off the entire balance so my account online was showing {$0.00} dollars. I spoke with an agent who said they would send me the title. A month later I received a letter in the mail saying I owed {$140.00}. I called because I was told my balance was paid off, and spoke to a manager who said there was nothing I could do about the charge and that it wasn't late yet, but that if I didn't pay it, it would reflect negatively on my credit report.
So, even though I did not believe I owed the money, and felt like the manager was using the leverage they had over me in a very unscrupulous and condescending way, I went ahead and paid it that same day to avoid the hassle.
The payment was processed and my account continues to show a XXXX balance. I received no letter in the mail and no email saying I owe anything further. I don't owe anything further, but I received a notice that my credit score had dropped. It has dropped twice from two reports made by Toyota Financial for late payments.
I have tried to resolve this complaint with Toyota Financial, but was just hung up on by the customer complaint department after I was transferred to them.
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| 04/09/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I CONTACTED TOYOTA FINANCIAL SERVICE AT XXXX TODAY ON XX/XX/2020. I REACHED A TOTAL OF THREE TOYOTA CALL AGENTS, TWO HUNG UP ON ME AND THE THIRD WAS ABLE TO FIND A MANAGER WHEN THE SECOND AGENT I CALLED STATED THE MANAGER WAS OUT OF THE OFFICE. MY REASON FOR CALLING TOYOTA FINANCES WAS TO SET UP A RE ACCURING PAYMENT OF {$390.00}. WHILE SEARCHING ONLINE ON THEIR WESITE I FOUND THAT SINCE I LAST SPOKE WITH TOYOTA FINANCIAL THEY NEVER CLEARED MY STATEMET OF {$700.00} SHOWING THAT I HAVE AN OUTSTANDING BALANCE. I OVER PAID IN FEBUARY TO COVER THE LATE CHARGES, WHICH TOYOTA ADMITED TO ME THAT THEY MADE A MISTAKE WITH WHAT DATE TO TAKE MONEY FROM MY ACCOUNT. BEFORE TOYOTA WAS CONTINUING TO ATTEMPT TO TAKE MONEY OUT OF MY ACCOUNT OF THE XXXX OF EVERY MONTH WHEN I POSTED ON THEIR SITE TO CHARGE ME ON THE XXXX. SO SINCE WHEN TOYOTA TRIED TO TAKE MONEY OUT, MY BANK DECLINED THEIR REQUEST AND NOW WITH TOYOTA IT STATES THAT I AM NOT TO BE TRUSTED TO PAY BY BANK WITH THEIR AUTOMATIC PAY. THIS IS SOMETHING THAT TOYOTA MADE THE PROBLEM A LOT BIGGER. NOW I CAN NOT PAY MY REMAINDING BALANCE AND TOYOTA IS GIVING ME THE RUN AROUND ON WHO TO SPEAK TO AND WHAT THEY CLAIM I CAN DO. I AM ALMOST DONE MAKING PAYMENTS ON MY VEHICLE AND SINCE MY AMOUNT HAS GONE DOWN THEY'VE MADE THINGS DIFFICULT FOR ME TO PAY. I HAVE STATEMENTS WHERE THEY CHARGED ME DOUBLE AND STIL SHOWING I OWE THEM.
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| 10/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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One of the cars which I leased was a total loss ( XX/XX/XXXX ), and my insurance company paid the lease holder off in XX/XX/XXXX. The balance due according to my lease holder was {$890.00}, which I received a letter in XX/XX/XXXX, I immediately paid the amount owed ( check # XXXX dated XX/XX/XXXX ) payable to the lease holders ' collection company. So the account was paid-in-full per the lease holder on XX/XX/XXXX that's the date they say they cashed the check. I show they cashed the check and it posted to my account on XX/XX/XXXX. Regardless, the Lease Holder reported an I-09 entry against my credit which means " Outstanding balance due/Collection Charge Off '', I feel this entry is incorrect and severely harms my credit rating as it does not rise above 700 FICO median score because of this inaccurate reporting. I have spoken to the Lease holders ' Loan department over 11 times ( XX/XX/XXXX through XX/XX/XXXX ), and have written their Credit Dispute Team in XXXX XXXX, Iowa twice. The first time ( XX/XX/XXXX ) they responded in 1 week ( XX/XX/XXXX ), with " that they have reported the credit incident correctly '' and the 2nd time I wrote them ( XX/XX/XXXX ), I still have not gotten a response. This has really gotten out-of-hand I need a resolution with the verbiage as defined, and with this false reporting and the I-09 remarks off my credit reporting record.
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| 10/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended.
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX. Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years of automatic payments, I did not check. There was absolutely no email, phone or written contact by XXXX.
XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help.
Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.
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| 03/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I was financed by Toyota financial services XXXX@22.9 % interest my credit score at the time was XXXX and so was my cosigner low XXXX 's. the terms of the loan were for 60 months, I asked for a simple interest loan. I was told if I paid early my money would apply towards the principal balance, that did not happen, all my payments were applied mainly to interest and a very small portion to principal. During the course of my loan I did take XXXX deferments with the understanding that they would be added to the end of my loan. So my maturity date would have been XX/XX/XXXX but it ended XX/XX/XXXX.
So each month I was paying a little more than the balance due to help prevent further interest charges, but I did not see any benefit during the life of my loan.
Every statement did not have any late fees or " other charges '' due on my statements, then I look at my final payment on XXXX/XXXX/16 for {$3900.00}, I was appalled. Where did those charges come from?
I inquired with Toyota Financial and they advised it was from my XXXX deferments, and interest during that time.
{$3900.00} in interest and fees? That is unfair, unreasonable, deceptive and predatory.
I have asked three times for my payment history and have not received it.
I took out a loan to pay my final payment of {$3900.00} because I did not want my account to charge off or to not receive my title.
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| 04/07/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American |
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I had a lease on a toyota XXXX and paid regularly until the lease was expired. I turned the car in. A few weeks later I received a bill for {$720.00} for over mileage. I paid the bill that day and did not hear another thing until last week when I received a notice from XXXX XXXX XXXX saying I had not paid the bill and failed to respond to previous requests. That was the first and only collection notice i received. After extensive investigation involving going to my bank, callint Toyota Financial Services, lexus Financial services, visiting both XXXX and XXXX dealerships, we finally figured out that I had, in fact, paid that bill but, since the lease had been terminated, there was no further account. Thus, the payment was applied to another lease on XXXX. But I was never told that nor was there any way for me to tell. Subsequently, I rolled that lease into another XXXX but was never told anything about the fact that the {$720.00} was applied to that down payment.
So, after several days, many calls and visits and much aggravation, I called the credit bureau back and paid the {$720.00} again, but extracted a promise that I would receive a letter stating that my credit was cleared and the bill was paid. Instead, I received another collection notice from XXXX XXXX XXXX for {$720.00}. Of course, they are not open during non business hours and I have a day job.
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| 03/20/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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Dear Consumer Finance Protection Bureau, I turned in a leased XXXX XXXX to XXXX XXXXXXXX a dealership in XXXX XXXX California and assigned the lease to XXXX XXXX on XXXX. I was told the old lease would be closed by XXXX.
Toyota Financial Services debited my checking account on XXXX for {$510.00} for the lease I had signed over to XXXX XXXX.
I was told on XXXX that Toyota Financial received a check from XXXX XXXX in the amount remaining on the lease, which would allow Toyota Financial to close out the lease. Unfortunately I have no evidence that the check was issued or received. Today it is XXXX and the lease is still open on my customer account dashboard with Toyota Financial Services, which told me that the paperwork has either not yet been received or nor been processed.
Today XXXX, my customer account dashboard with Toyota Financial Services shows me as past dueon my old XXXX lease, notwithstanding that I was debited for my XXXX payment on XXXX. I fear that the false information posted by Toyota Financial will affect my credit rating. I feel like I have been treated like a ping pong ball between the XXXX XXXX XXXX and Toyota Financial having contacted the former at least 10 times and the latter at least 4 times by phone and opened 4 support requests. Please help me get an adequate response from Toyota Financial Services. Thank you. XXXX XXXX
|
| 07/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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This is yet another complaint against Toyota Motor Credit ( TMC ) for my TMC account # XXXX ( Joint account and I am the primary account holder ). TMC keeps reporting this joint account to all XXXX CRAs as a CHARGE OFF when it IS NOT. TMC lost the payment I made back on XX/XX/2017 and it took them months to locate the payment and apply it to the correct account. And in the meantime TMC reports my account as a CHARGE-OFF and it is not. Me and my cosigner have been going through this issue since XX/XX/2017 to no avail. TMC removes the charge-off when I call or file a complaint, and the next month the charge-off marker is back on my credit report thus affecting my excellent credit standing by 90-95 points drop in score.
This is crazy and unacceptable. How much more time do I spend on this issue? How many complaints do I need to file to get this information corrected permanently? How is TMC going to reimburse me for my countless hours wasted on phone calls and being transferred from one TMC and credit bureau representative and department to another, being put on hold for hours, explaining everything all over again to tens of different representatives in different departments? How much longer ... ..??? Seems like they don't know what they are doing and how ... This is sickening, this is a violation of my FCRA consumer rights. Who is accountable for this?
|
| 08/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Hello, Mazda sold me a lemon car. And only compensated XXXX XXXX But ever since they keep retaliating against me by keep sending me letters saying if you ever be late again, we will repossess the car without any notice. I just made a payment even though Ive been out of work because of back injury but mazda still trying to repossess the car and keep sending me letters saying we will repossess. Ive already paid the half pf the loan but they still keep trying to take the car away, which the car is defective but who will compensate all of my payments that Ive made until now? I submitted a complaint to Colorado regulatory agency but they said they dont have the jurisdiction. Who can help me?
Mazda car that they sold me as new was a lemon and they refused to take any responsibility but only compensated XXXX $ for this defect and ever since they keep retaliating against me for it and even though I am making my payments, they still keep sending me letters every month, threatening me that they will repossess the car if I ever be late with my payments in the next 12 months.
In addition, they double charged me in XXXX by adding over XXXX $ To my balance, when my payments are supposed to be XXXX $ a month, plus, my loan contract says 62 months, but someone made manual changes to it and now it shows 63 months, when this car is supposed to be at 0 % interest.
|
| 01/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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Web |
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I got my XXXX car loan from XXXX XXXX and had a credit score of XXXX at the time. I was told by the manager that my credit score is extremely low and that only the financial institution of Toyota would give me a car loan. He told me that he made efforts for a low interest rate of 19.34 % which I still have up to know. I told him that was very high but he strike back saying I am only making a {$4000.00} deposit on a {$33000.00} car and that I would be able to lower my interest rate after one year. I later found out that ( lowering interest rate ) was a lie because when I called Toyota they directed me to other unknown loaners who ended up messing my credit score more without even lowering my interest rate XXXX cent.
A friend to mine who lives in California told me Toyota and other financial institutions and car dealers were found guilty of discriminatory car loans to XXXX XXXX and that I should get in touch with the Consumer Bureau. I am XXXX XXXX and I am not making an accusation about Toyota of racial discrimination, but I would like to find out when I was given my car on loan on XXXX XXXX for a XXXX Toyota Highlander, was a 19.35 % loan acceptable or discriminatory. I have so far ask a lot of drivers in the same situation but I find it curious that some people with worst credit than mine had better interest than me from different Toyota dealers.
|
| 10/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a 30-day late payment for XX/XX/XXXX on my XXXX XXXX XXXX car loan account.
On XX/XX/XXXX, I wrote a letter ( copy attached ) to XXXX XXXX services and sent it to the following address : TOYOTA FINANCIAL SERVICES ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XX/XX/XXXX I made several attempts to make a payment online and the Toyota/XXXX payment system was down. Also around XX/XX/XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or Toyota notifying me that the payment was due. I asked XXXX to remove the XX/XX/XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down.
On XX/XX/XXXX, XXXX XXXX Services responded with a generic letter ( copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is.
XXXX XXXX Services ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect my credit report.
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| 05/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
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Our XXXX XXXX XXXX XXXX XXXX ( VIN : XXXX ) got totaled due to a crash on XXXX. Our insurance company, XXXX XXXX made numerous requests to Toyota Financial Services to obtain the payoff with no results. We had to be involved too, to send letters and emails to Toyota Financial Services requesting the pay off. Due to unreasonable and deliberate delay by Toyota Financial Services, we had to make our monthly payment in amount of {$730.00}, as the due date of each monthly payment was by the second of each month. Finally, Toyota Financial Services decided to provide the LOG/ pay off on XXXX providing incorrect amount claiming that they have to charge the amount since the date of the accident, although confirmed that they have already received the payment from us on XXXX. Our current unpaid balance at this time is {$33000.00}. Their letter of guarantee states {$33000.00}. My balance right after the crash was {$33000.00}. Up to date they are unable to explain where this {$630.00} discrepancy comes from, as this is not even my monthly payment. We already informed Toyota Financial Services via facsimile and email and phone that they are in violation of California Code, Civil Code - XXXX XXXX. Claim number with Toyota Financial is XXXX. We hereby ask that you conduct an investigation against Toyota Financial Services for inappropriate and fraudulent conduct.
|
| 09/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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XX/XX/XXXX To : Toyota Credit Research Team, Account number : XXXX Ive been approved for two payment extensions for my XXXX Toyota XXXX beginning XX/XX/XXXX. Since then I have signed the agreement and mail it out to the address on the agreement Toyota Motor Credit XXXX. XXXX XXXX XXXX XXXX, IA XXXX. I Waited a week and contacted Toyota about the status of the extension since I didnt see it reflected on my Toyota account. A representative stated that they didnt receive the agreement that I mailed in so I refaxed the agreement again. Call again and another representative stated that the fax wasnt received and the extension had expired. They emailed me out a new extension agreement on XX/XX/XXXX. I continued to faxed the agreement several times to the number ( XXXX ) XXXX, Spoke to several representatives all of them gave me the same response, stating they never received the fax so I spoke to a supervisor and she advise me to fax it again and they would honor the last two extensions. Since then I have fax it total of 10 times it was costly and time consuming at best. This has cause severe damage to my credit rating and credit report. It has caused a string of late payments to my credit report. I am asking for those late payments to be adjusted due to the extensions that werent honored from XX/XX/XXXX the negative marks from XX/XX/XXXX on are incorrect
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| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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They reported late payments and didn't follow law accordingly 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, XXXX Stat. 2998. )
|
| 11/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American, Servicemember |
|
Two vehicles were boughtbandbi was the consigner on both of the vehicle loans with Toyota Financial Corporation. Both vehicles have been repossessed, despite the duration of the physical ownership of the vehicles, as well as multiple Toyota Financial account balance statements both in hard copy and digital format validating the other with respect to both of the vehicles having been either paid in full ( XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX ) The total amount paid is roughly {$120000.00} from XXXX XXXX or XXXX XXXX XXXXXXXX both to which bare NY name as an authorized user or owner. The XXXX is paid in full and The XXXX still owes {$7000.00} according to digital online statement. Whats disturbing is the fact that Toyota Financial Corporation has reported to XXXX the account containjg the XXXX totaling {$48000.00} was paid in full.
XXXX of XX/XX/2022.
Further more the XXXX XXXX XXXX was stolen and then taken in the stolen recovery and ownership turnover period and repossessed that as well and stated. " Because we have not paid our bill we owe the full debt of {$84.00}, XXXX immediately if we wanted to get the vehicle back on a new 5 year contract, 60ndays old. The amount paid in was {$20000.00} which gave me a one year of payment immediately.
Ironically still is the XXXX was financed because the XXXX was paid of and the bank validated that.
|
| 02/07/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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My lease ended XXXX/XXXX/17. On XXXX/XXXX/17, I talked to a Toyota Financial XXXX XXXX XXXX XXXX who gave me information about pay off amount and dealer information. She never talked about the month to month payment option after contract expired, she told me I could either return the car or get it financed. I told her I would come to the dealer to get it financed. Few day later, I received a statement date XXXX/XXXX/17 with a late payment. I tried to make payment via phone but automate payment was not available. On XXXX/XXXX/17, XXXX called me again. I informed her that I have spoken to my dealer and they were working on getting my car financed. I also asked her about the statement date XXXX/XXXX/17 because I was never informed about making payment after the lease expired and I never received the statement when the payment was due, I only received the statement when it was passed due. She said it was my fault for not knowing about that information and I should have contacted her first. When I explained to her that I never knew about this information until it was passed due, she rudely told me that I was making excuses and it was all my fault. I intended to continue to make payments until I get the car financed ; however, my account would not be passed due if all this information was provided to me formally. This treatment was unfair and deceptive.
|
| 04/09/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
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I filed a chapter XXXX bankruptcy in XXXX and it was fully discharged XX/XX/XXXX. I reassumed my lease with Toyota and have never missed or been late on a payment throughout the life of the loan. I have been completely iced out of my TFS account since XX/XX/XXXX ( when I filed ) and Im directed to call if I have questions about my account. Around XXXX I realized Toyota stopped reporting to my credit in XXXX so Ive made multiple calls to Toyota. They advised they didnt know my bk discharged so they couldnt report and to send them papers proving it, which I did the same day. Ive called multiple times since then and they still have my TFS account reporting the same way, one of the representatives I spoke with told me to dispute it through the credit bureaus to get the proper reporting. So I took that advice and disputed the reporting with the credit bureaus which has now resolved. Instead of Toyota updating the balance of the loan and reporting my timely payments, they simply reported the loan as paid in full on XX/XX/XXXX. Clearly not the case since Im still paying nearly $ XXXX.
Furthermore, Toyota financial will not provide me an accounting or statements showing the balance of the debt. So not only will they not appropriately report to the credit bureau but they will not provide me ( the creditor ) any information on the balance of the loan.
|
| 02/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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Toyota Financial has made it near impossible to make extra payments towards your principal balance. They used to allow me to make an additional principal payment without issue. For instance, if my monthly payment is {$370.00}, I would pay {$400.00} with {$27.00} being added towards the principal. They removed the ability online to make an additional payment towards the principal. There used to be an extra box on the payment page for additional principal payment. Now when I make extra payment, they just apply it towards the next month 's due payment not the principal balance. They are clearly doing this in order to charge more interest on the loan. It is extremely shady behavior. And when I try to call Toyota Financial, I can not get anyone on the line to discuss the matter. They have no email option to contact them either that I have been able to find. This change in policy towards extra principal payments, seems to have taken place over the last three months. Currently, I am unable to make payments using the website as I always had since I took out the loan in XXXXXXXX XXXX XXXX No reason has been given. I have tried calling Toyota several times to fix this issue and have not yet been able to get anyone on the phone. The app on my phone is also not currently allowing me to make payments. It says there is a biometrics error on their side.
|
| 01/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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Toyota Motor Credit or Toyota Motor Credit Leasing is reporting derogatory information to XXXX, XXXX and XXXX. The item does not belong to me and I have disputed this item ( s ) on at least two occasions, yet Toyota, XXXX, XXXX XXXX XXXX have failed to remove and or delete the derogatory information contained in my credit file. In addition, I have disputed the derogatory item ( s ) under The Fair Credit Reporting Act, specifically Section 609 FCRA, which requires Toyota to perform specific acts, including but not limited to producing the time and of the authorization to access my credit file, the actual credit file report and or copies of any and all contracts or agreements to referencing the alleged debt. Although duly noticed on at least two occasions, Toyota, XXXX, XXXX and XXXX have failed to comply with The Fair Credit Reporting Act, specifically Section 609 FCRA and the requirements thereof.
As of the submission of this complaint the derogatory item ( s ) pertaining to Toyota remain on my credit file, despite Toyota, XXXX, XXXX and XXXX being noticed to comply with Section 609 FCRA. All of the aforementioned entities remain in collusion to not provide the required information under Section 609 FCRA. In short, Toyota has providing nothing despite my notices a e demands and all are in violation of The Fair Credit Reporting Act.
|
| 08/06/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX, XXXX Office of Consumer Financial Protection Bureau Dear Sir or Madam, I am requesting that Toyota Motor Credit Corporation be reported into the category of companies that are using deceptive and unfair business practices against American People.
In XXXX XXXX, I contracted a car loan with Toyota Motor credit to purchase a car XXXX XXXX with XXXX # XXXX for a length of five years contract in XXXX XXXX XXXX XXXX, California.
In XXXX XXXX, when I lost my job due to the Economic recession, my car was repossessed after I missed a payment with a remaining balance of the amount of {$1500.00} to paid off my auto loan.
XXXX never responded to my inquiries to know how much my car was sold? What have they done with my belongings ( XXXX )?
After almost after 14 years, I am still paying thousands dollars of hoax interests to this group of XXXX Toyota Motor Credit and their corrupted collecting agency law office of XXXX.
I am asking to the CFPB to request from Toyota Credit Motor on my behalf, the legal copy of the document of the sale of my repossessed car ( XXXX XXXX with XXXX # XXXX ) with the amount that the car was sold in that year.
IF Toyota Credit Motor refuse to show this documents, then the CFPB must give order to Toyota Credit Motor to stop its deceptive collection business practices on my account.
Sincerely, XXXX,
|
| 06/28/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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On XXXX2021. After receiving mail from Toyota Financial Services with a statement balance, I sent Toyota Financial Services, requesting Validation of Debt pursuant to the Fair Debt Collection Practices Act on what was being reported to the Credit Reporting Agencies { Exhibit 1 } On XXXX2021 Toyota failed to respond in accordance with 15 USC 1692g ( b ) to produce any evidence which is a direct violation of Federal Law. { Exhibit 2 } Also, Toyota Financial Services ' written communication with a consumer didn't disclose that Toyota Financial Services was a debt collector attempting to collect a debt pursuant to 15 USC 1692e ( 11 ) In the same written response Toyota Financial Services stated false actions that didn't produce any evidence. Such actions from Toyota Financial Services was an attempt to lead to false belief that the alleged debt being reported to the Credit Reporting Agencies had been researched by their records they failed to produce. This is a violation of Federal Law pursuant to15 USC 1692j ( a ) Toyota Financial Services is also in direct violation with 15 USC 1692c ( a ) Communication in connection with a debt collection with their initial communication.
Today, XXXX2021, I'm sending Toyota Financial Services my Affidavit of Truth along with Cease and Desist and I invoked my right to specified remedy. ( SEE Attached )
|
| 03/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I submitted a due date change and spoke with several Reps to confirm this change was completed, but was still charged on the original due date. I requested a due date change online months ago. I called in XXXX when it hadn't been changed. They advised I didn't return the signed documentation. They advised they would resend the documentation and that I could upload it via the Support Center on their website. It was resent to me via email. We signed the paperwork and submitted as advised by an Agent. I received an email the next day stating the documentation was received and would be processed in 2-3 business days. I called on XX/XX/XXXX to make sure everything was good for XXXX 's upcoming payment. I was told they received everything and the change was approved. I asked why the website still showed the XXXX as the due date and was advised it just wasn't updated yet. On XX/XX/XXXX, I was still charged the payment amount. I called in today to inquire why and was advised that it had not been approved and no documentation was received. I was advised that submitting the documentation through the Support Center was incorrect even though this was advised by and Agent and confirmed by another. This agent refused to help or escalate the call after multiple requests. He stated I told you that wouldnt help and then routed me back to the main line.
|
| 06/14/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To : Consumer Financial Protection Bureau. This is to inform that I disagreed entirely with XXXX XXXX XXXX XXXX ( XXXX ) XXXX company 's answer because they stated that I received a letter from Toyota Financial Services dated XX/XX/XXXX saying there is a charge for missing key when I never received any letter.
My default was inadvertent and reasonable since I was never properly served and did not have knowledge of this action. Also in my effort to resolve this issue with Toyota Motor I went personally to the XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX, and returned the second XXXX XXXX car key and gave it to the Sales floor manager.
Also I contacted XXXX Toyotas dealer after returned the car key to be sure everything was OK and I spoke with another floor manager by name XXXX who was rude, and talking to me in very inappropriate manner refused to help me and I had to disconnect my conversation with this person.
I am not a happy customer at all and After I finished my current lease I am not leasing or buying anymore vehicles with Toyota Motors or XXXX XXXX ; and I am still disputing this charge on my name because is incorrect and not acceptable.
I am very concern about any negative mark on my personal credit report.
because they sound not be reasonable and careless. I appreciate any assistance on this matter. Thanks
|
| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Toyota Financial reported late payments to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) for periods where they were made aware that the signers employers were completely shutdown due to the covid national emergency. Toyota reported negatively for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I attempted to rectify this with Toyota and they refused. I also attempted ti rectify this with the all the credit agencies and they completely disregarded the CARES act along with my entire dispute.
This completely violates my rights under the CARES act : Congress acted by passing the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act or the Act ), billed in part as a comprehensive COVID-19 relief plan. Recognizing the importance of consumer credit reporting, the CARES Act included provisions which attempt to protect consumer credit if the consumer enters into an accommodation with a furnisher of consumer credit data. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by COVID-19 during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates.
|
| 04/04/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On XX/XX/2018, I visited XXXX XXXX XXXX to view new vehicles since my current lease was terming out in a few days. XXXX XXXX, salesman, assisted me on choosing the vehicle that I wanted. I agreed on the vehicle of my choice, so the process continued with the financial portion of the deal. I spoke to XXXX, who was the lease dept. As part of the agreement, the dealership would taken my previous lease and all fees associated with the expiring old lease. Once I agreed on a down payment and monthly payment, I signed the papers and took possession of the new vehicle. Two months passed and I received notification that XXXX XXXX XXXX was charging me over {$4900.00} on mileage overage and was due immediately. I called XXXX XXXX, and he advised me that there was nothing he could do. I called and met with the General Manager XXXX XXXX, and he reassured me that he would be able to help with the misunderstanding, that he would get back to me as soon as possible. Several weeks passed and and several emails later, he advised me that he was not able to assist me with the mileage overage. I told him that was not part of the deal that I made with his dealership and that I would like to return the car and have my down payment of {$2500.00} returned to me. He told me that was impossible since three months have passed and I am stuck with the vehicle.
|
| 10/29/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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In XX/XX/2019, I applied for toyota mobility refund for almost XXXX. I was supposed to have check by mid XX/XX/XXXX. I asked for XXXX payment to be deferred until I got check. Check never come. I called toyota XX/XX/XXXX and they told me they lost my paperwork and had me reapply. I did that XX/XX/XXXX. On XX/XX/XXXX, they sent me a case number. I then asked for XX/XX/XXXX to be deferred as I was still waiting for check. In meantime, toyota calls me 10 to 15 times a day harassing me for lease money and is ignorant when i call to find out about check. Today i get letter stating they are going to repossess my vehicle so my nephew calls and gives them debit card to cover XX/XX/XXXX payment. Instead of toyota using money for XX/XX/XXXX payment, instead they use it for late fees ( which are not owed as toyota agreed to defer XX/XX/XXXX and XX/XX/XXXX ) and deferment fees ( which are not owed as toyota agreed to add onto end of lease ). Toyota commited fraud with my nephew bank account, refuses to talk to us and hung up 3 times on XX/XX/XXXX. Now, they lie and state no money taken out of nephews account which is not true as nephew got instant notifications seconds after giving toyota bank info. I have reported this to nephew bank for fraud. Now toyota continue to harass me 10 to 15 times a day for money when in reality they owe me XXXX
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
After moving half way across country and changing my address with USPS, toyota decided to stop sending me bills completely, to either my previous or my current address.
They put a derogatory mark on my credit report while they NEVER sent out any bills, NEVER tried contacting me, NEVER emailed me about a late bill while constantly bombarding my email inbox with promotional emails.
Thes
e 2 payments were the last payments for the car, and since we didnt get any contact from toyota , we were expecting our title and lien since we thought we paid it off. Nothing. I have called them multiple times to remove this rem
ark on my report as i paid immediately after we realize toyotas error. This is their process error, yet they keep telling me our system says we called and sent mail, too bad. DID NOT GET ANYTHING, just DEFLECTIVE ANSWERS and EXCUSES.
Is this fair for the corporation to keep pinning their process problems and human errors on their consumer? We want physical bill for a reason so we can pay on time instead of relying on a system that have failed us before, and likely have failed a lot of toyota customers from what i have read.
During the phone call, they keep diverting responsibilities. They keep saying their documentation says otherwise, which is false.
I am also hoping that this isnt a XXXX discrimination thing.
|
| 08/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
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Was requested for 2 month deferment on loan for XX/XX/XXXX & XX/XX/XXXX loan payment. I advised that had scheduled date to return to work on XXXX 2016. Due to nature of restrictions to return to work, I was unable to work to this date. I received a call XX/XX/XXXX from a gentleman advising that extension was approved, and that an extension letter was sent out. I requested for a the letter to emailed or faxed to see the terms & conditions immediately & he stated not to worry about it was mailed out.. In addition, I requested for months to add XXXX insurance & change my payment due dates because my current situation which is only temporary .. My car has been repossessed as of XX/XX/XXXX, they revoked the 2month extension, now requesting {$2700.00}, which includes 4 months of a payment 0f {$490.00}, {$240.00} late fees & {$530.00} repossession fees, re-registration of my car & $ 35 day in storAge.. An car is mandatory where I reside, especially to get to doctors appointments & place of employment .. I need my extension to be restored, along with Late fees & this repossession fee as long I agree to cover the payments for XX/XX/XXXX & XX/XX/XXXX .. In addition to changing my payment dates to the XXXX of the month.. I can find a way to stay on top of my payments & do what I need to do to ensure I will no longer default on the Loan..
|
| 05/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Dear Sir/Madam, I am writing to dispute a billing error that occurred with Toyota Financial Services . In XX/XX/2023, I set up automatic bill payment for my Toyota car loan, but apparently, the setup was not correct. Unfortunately, I was not aware of this issue until recently because I have a separate account where I transfer the exact amount of money to cover all automatic payments. Therefore, I do not usually check my billing or bank statements on a regular basis when I have autopay set up.
I am disappointed to report that Toyota Financial Services did not contact me by email or phone to inform me that my payments had not been posted. When I contacted them, they explained that they could not help me, and I would have to dispute the issue with the credit bureau. However, I was able to open one of my statements for Toyota, called them, and made a payment to bring the account current.
I am writing to request that the credit bureau investigate this issue and correct any errors on my credit report. I believe that Toyota Financial Services should have had a process in place to contact me if there were any issues with my billing, especially since I had set up automatic bill payment.
I hope that you can help me resolve this issue quickly and satisfactorily. Thank you for your attention to this matter.
Sincerely, XXXX XXXX
|
| 06/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a new vehicle from XXXX XXXX XXXX of XXXX XXXX on X/XX/2017. The morning I went into the dealership, I had talked with the sales manager XXXX XXXX and asked that they have the financing paperwork ready ahead of time as I had limited time Saturday morning and was just coming in to sign paperwork and begin the loan process. Nothing was ready except for the car. The sales manager ushered me into the Finance Mgr 's office and he began the process asking me to sign on an electronic pad connected to his computer, all the while not letting me see what I was signing nor read any of the documents. When I left the dealership, the Finance Mgr XXXX XXXX, comes running out to the car with a copy of all the paperwork sealed up in an envelope. When I got home and had a chance to take my time and parce through it, they had added on every insurance, every extended warranty, every life insurance, gap protection, you name it! to the tune of an additional {$7000.00} or so! I immediately notified Toyota Motor Credit Corp, the Sales Mgr, the Finance Mgr, the general manager but not one person has contacted me except the Sales Mgr who sent me an email stating they do n't redo paperwork. I am not an attorney but this seems to fly in the face if Truth-In-Lending laws! You must be able to read what you are agreeing to before you sign it.
|
| 05/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
A few weeks ago I called a spoke to supervisor at XXXX about an ongoing issue with a account listed on credit report. I asked her how is it possible that account that has been closed since XX/XX/XXXX have different dates reflecting on my credit report. I informed her that I purchased my credit reports from MyFICO on two different occasions and dates. The first purchased reported dated XX/XX/XXXX had a close date of XX/XX/XXXX and the second purchased date of XX/XX/XXXX had a close date of XX/XX/XXXX.
When questioned about it she said that was the information that was transmitted or sent by Toyota. I asked her how is that possible that an account has three different " closed '' dates?
I also pointed out to her that account was sold to a outside collection agency and when I asked her if I could submit my own documentation to prove otherwise she said that XXXX would not accept it. I told her I had proof i.e.a bill from the outside collection agency with the Original Creditor and the balance that matched the balance from the original creditor and she still said XXXX would not accept it.
XXXX is denying me due process afforded to me under Federal Law by refusing to accept clear and cogent documentation pertaining to my dispute. I have pointed numerous discrepancies on my report and XXXX refuses to acknowledge or fix them.
|
| 07/30/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Older American |
|
I leased a XXXX, XXXX XXXX in XX/XX/2021. I traded in a leased Lexus XXXX. I signed XXXX 's paperwork authorizing them to finalize the trade-in, transfer the plates and take possession of the XXXX XXXX on or about XX/XX/2021.
Lexus refused to honor the transaction and contacted me numerous times for payments they said I owed. The amounts varied depending on who we called to resolve the issue. More than once they said they would call back with the information to explain the mystery charges and never did.
Finally they threatened sending the dispute to a collection agency if we did not pay them by XX/XX/2021.
The XXXX agent was very helpful and contacted Lexus numerous times. He was also given misinformation. Assurances of resolution were not honored. He told me, " that many XXXX agents were getting the same run around '' from Toyota/Lexus Financial. He was delayed for several months trying to get the Title to the car.
XXXX finally contacted us after debt collectors had contacted us and said the file was closed.
It is my opinion that Toyota/Lexus are resisting consumer movement to all Electric Vehicles. They have delayed selling their EVs here in the US market.
I can provide the name and cell number for the XXXX agent that experienced the title transfer delay and can verify the duplicitous assurances of resolution.
|
| 08/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
XXXX XXXX XXXX from the finance department of XXXX XXXX Toyota told me in an email on XX/XX/XXXX at XXXX XXXX that canceling the GAP and service contract " would not lower my payment. '' After asking XXXX XXXX on XX/XX/XXXX at XXXX XXXX by email for a cancellation, again on XX/XX/XXXX at XXXX XXXX by email, writing the Dealership 's General Manager on XX/XX/XXXX, waiting 8 weeks and then asking again on XX/XX/XXXX at XXXX XXXX ; the GAP and service contract amounts were refunded to Toyota Financial Services on XX/XX/XXXX. My online statement showed that my payment would be lower to {$190.00} on XX/XX/XXXX, but I have still been paying the full amount based on the information that XXXX XXXX XXXX from XXXX XXXX XXXX supplied. If XXXX XXXX is an authorized representative of Toyota Financial Services to advise customers of the amount of their loan payments, he is suppling confusing information, has an undisclosed financial conflict of interest and is acting beyond the scope of his role at the XXXX dealership. He could be motivated to do this as he financially benefits from the commissions on the GAP and service contracts. When he advised me to not cancel the GAP and service contracts in an email on XX/XX/XXXX at XXXX XXXX, he should have disclosed his financial benefit from these services or provided no advice at all.
|
| 12/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
XX/XX/XXXX I purchased a car for my son at XXXX XXXX. He is stationed in XXXX XXXX NC and flew into XXXX PA to pick up the car and drive back for his personal use in North Carolina, he was here a day. GAP insurance was purchased at the time of sale through Toyota Financial.
My son was in an accident XX/XX/XXXX and the car was deemed a total loss. The insurance company paid a total of XXXX, he had a XXXX deductible, there was a warranty refund of XXXX. The base vehicle value per the insurance company is XXXX after comparing it to comparables the car was devalued by XXXX. The car was a XXXX XXXX XXXX and the adjustments are wear and tear. After the adjustment, the cash value was XXXX.
Toyota 's GAP department is attempting to say I am responsible for the XXXX. I have reached out to my insurance company and they have confirmed this is not a charge taht should be passed on to me. I have reached out to Toyota 's Gap dept XX/XX/XXXX and was told they revised their brochure XX/XX/XXXX and no where in the brochure did it state the GAP will not cover vehicle depreciation. Every one knows as soon as you drive off the lot the car value lessens. There was no negative equity from another vehicle tagged on to the balance of this loan. Toyota is refusing to honor the terms of the GAP agreement and I need assistance with resolving.
|
| 04/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
During the period of my car note I needed a couple extensions. I tried very hard to keep up with everything because I live alone and support myself. I told that my loan with each extension would make my maturity date extended an extra month but what they did n't explain is how much interest they would charge me in a one time fee at the maturity date. I was making payments and after I checked the next day to make sure my payment was accepted, i had a random past due notice of {$2900.00} about a month ago and I called to ask about it and they explained it was for the Interest EACH DAY for each of the extensions i took during the period of the loan. I explained that I could n't possibly pay all that at once because yet again I am still a single person trying my best to pay all my bills and all they could tell me is that " well we were here when you needed the help, but that all has a cost involved '' I do n't believe it 's fair to charge this much knowing that the person asked for help for a reason in the first place. It was n't fully explained the actual cost that would be involved when taking an extension. I think they are taking advantage of people who are trying really hard to keep up with everything they need in life to survive and forcing them to pay a fee for being human. I would really like some help with this.
|
| 01/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
Car was purchased and salesman deceptively added on two packages saying they came with the car already. I have package that does not work. XXXX doesn't exist. I have tried to call and email them, even Toyota has tried to call them only to be sent to voicemail from two different phone numbers. The website they created to submit a claim only responds with an error 500 code. I don't even think they applied the XXXX to the car because unlike the product advertises " Our hydrophobic chemistries are specifically formulated for maximum stain protection on leather/vinyl surfaces as well as fabric/carpet ''. There was a water spot stain on my seat on the first day I received the car. Again, the stain was already in my seat and the dealer said I could contact XXXX to fix it. Its been over 2-3 weeks and all Toyota financial has done is say they will call me back and then never call. I just want my money back for this bogus package that wasn't even applied to the car and doesn't work. There was also an employee there who sent an inappropriate picture. At this point we have begun research on looking info auto fraud. If that is the only way that we can actually achieve a resolution for this situation, with this picture we probably can get the entire car paid off. Is that what you want Toyota, I'd love it for you to pay off my car.
|
| 08/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have been requesting that Toyota Financial Services provides me with a formal breakdown of the original contract, including the fees and why insurance and my down payment was not included within the financing as the law states as per USC 1605 " sum of all charges '' and # XXXX : states " premium or other charge ... or insurance protecting the creditor ... '' I was asking for them to verify that my loan was written correctly, but they never responded to any affidavits, dispute letters, or motions. I have tried for over a year now to confirm this contract is valid. Toyota has ignored all requests. They have now stolen my vehicle in which I only owe about $ XXXX on but stopped making payments when they refused to provide me with proof of a valid contract. They are going to sell my vehicle on XX/XX/23, and I need them to allow me to defend myself before a judge but they wont even let me do that. They are themselves finding me guilty without a judgement in place. I never wanted to not pay, I just wanted TFS to verify the contract/loan was correct. I have numerous written communications that are all notarized and certified/signed for mailed as proof of my attempts to get this information. I was always willing to make the payments once they verified the loan. I am still asking for verification, but they took my vehicle.
|
| 08/27/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Older American |
|
At the time I leased the car, I took out two insurance policies offered by Toyota Financing through the dealer XXXX XXXX. One was for maintenance and the other was titled " XXXX XXXX '' which was supposed to cover things like windshield chips, dirty carpets, dents in the car etc. Two weeks before the car was supposed to be turned in ( XX/XX/XXXX ), I went to the dealer to see what was covered by the insurance and what wasn't. They had me come back the following week ( XX/XX/XXXX ) to see " the guy '' an outside contractor, to inspect it. He read the insurance coverage and said I was good to go. I turned the car in the following week, XX/XX/XXXX. No I am getting calls from Toyota Financial saying that I owe {$850.00} for excessive wear and tear. I asked what it meant and they couldn't tell me. I went to the dealer and showed them my policy and asked them what it meant and they said " excessive wear and tear ''. No further explanation. I went to the XXXX site and the " excessive Wear and Tear Policy '' The only damage to the car was a chip in the windshield and a minor ding in the back bumper. These were pointed out to the " guy '' who looked at the policy and said it was " good to go ''.
Additionally, they never honored the maintenance policy saying every time I went that the service being done " wasn't covered ''.
|
| 01/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX Toyota Motor Credit sent a debt collection letter on XX/XX/XXXX that I have attached stating that I am to pay an amount owed debt of {$610.00} for the XXXX XXXX is XXXX that was declared and paid as a total loss by XXXX XX/XX/XXXX according to XXXX. I called XXXX XX/XX/XXXX to resolve issue with no avail as I received no solution to resolve incorrect debt. In previous complaint against XXXX XXXX XXXX Toyota Motor Credit for same XXXX Is XXXX that I have attached to this claim as proof, XXXX stated, " Our records reflect that the account was closed as of XX/XX/XXXX due to insurance loss, and the balance on the account is zero. We mailed a letter of guarantee to XXXX, dated XX/XX/XXXX, advising that the title or security interest to the vehicle would be released upon receipt of the settlement payment in the amount of {$49000.00}. Our records also reflect that we received the settlement payment on XX/XX/XXXX ''. As of XX/XX/XXXX this account should be paid and closed off my credit report. The letter XXXX sent XX/XX/XXXX looks to be of a refund that is instead owed to me in the amount of {$610.00} and an incorrect debt lexus is trying to collectXXXX XXXX is also in violation of lease agreement as the lease is covered by GAP coverage and as of today no GAP coverage has been applied to closed account.
|
| 03/27/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
I have been a toyaota customer since XXXX, recently I renewed my lease for a newer model as is my option. I recently discovered, that my credit report has XXXX hard inquiries on the same vehicle. Why would Toyota need to have XXXX inquiries that appear on all bureaus, I was approved and signed the papers on XXXX the date of the initial inquiry? I was not advised that an additional credit inquiry was being made. I authorized XXXX. TOYOTA MOTOR Inquiry XXXX XXXX, XXXX TOYOTA OF XXXX Inquiry XXXX XXXX, XXXX I have requested a correction and have not received a reply or response. In addtion I am the Co-Signer on a vehicle and I am not botified of any issue with the payment but my credit was noted 30 days late. I am of the impression that due diligence requires that I am to be notified so I can resolve prior to affecting my credit. This vehicle was a issue and a complaint was never responded to, the initial payment was said to be XXXX, after a reveiw additional service was added when this was discovered before the first payment they revised the contract and the new payment was XXXX. I have reuested a copy of the initial contract since this chanrge was not disclosed. Causing a lower model to be purchased to fit budget, when it was not a valid accurate amount. These XXXX transactions lowered my credit score XXXX points..
|
| 10/29/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I turned my XXXX XXXX XXXX into XXXX of XXXX on XXXX XXXX, 2016 in order to lease a new 2016 XXXX XXXX. The car that was turned in was in " as-new '' condition.
The dealership inspected the car, then agreed to take the XXXX XXXX with the agreement that they would pay all remaining charges on the Lease, in order to get me into the new car. That included paying off remaining payments and excess miles charges. I was never told how they would dispose of the car, but assumed they would sell it on their lot as a used vehicle.
Eight months later I received a bill from Toyota Financial for excess miles, damage to the car, and a bill for the remaining lease payments.
I have corresponded with Toyota Financial four times, as well as spoken to them on the phone, to clear this up but to no avail. They claim that the dealership never paid the excess miles, the remaining lease payments, and they turned in a damaged vehicle to them. They also claim they are unable to contact the dealership Since my dealings were only with employees of XXXX of XXXX, I contacted them to try to straighten this out at least three times in writing, and over the phone at least twice.
No one in the Toyota Organization at any level has done anything to attempt to resolve this. This is a fraudulent attempt to extort money from me that is not owed.
|
| 10/04/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
On XXXX XXXX, 2017, I received a call from a debt collection agency about an outstanding debt of about {$380.00} supposedly owed to Toyota Financial Services ( " TFS '' ). I had previously taken over a lease on a Toyota Corolla with TFS, but that lease ended over a year ago. This was the first I had heard about any such debt.
My complaint regarding TFS is two-fold : 1 ) To be contacted out of the blue by a debt collector about a debt ( a ) on a contract that ended over a year ago and ( b ) of which I never received any prior notification is, if not illegal, then at least incredibly frustrating.
I understand from TFS that they send out a single notification letter regarding outstanding debts. I did not receive this notification. Again, if this is not illegal, it is at the very least incredibly frustrating.
2 ) Now that the debt is with a debt collector, no-one at TFS will answer any questions or give any information about the account. Instead, they refer me to the debt collector, which in turn refers me back to TFS regarding why I did n't receive any prior notification.
Again, at the very least, this is incredibly frustrating, if not illegal.
I will not be doing business with TFS again. It seems stupid to lose a customer over a few XXXX dollars, which I would have paid promptly had I ever been notified.
|
| 04/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My issue is with Toyota Financial Services ( TFS ). In XX/XX/XXXX, I wanted to make a payment to principal on my loan. I attempted to do this on the TFS website where I make standard payments. The website does not allow for principal payments. I telephoned TFS and spoke with a customer service representative name XXXX. XXXX provided me with the TFS address for sending principal payments. XXXX also informed me that I could make a principal payment over the phone with a representative. On XX/XX/XXXX, I called TFS and made a principal payment by phone, and about a week later, I received a letter of confirmation from TFS for this payment.
This XX/XX/XXXX, I again called TFS to make a principal payment to my loan. This time, the representative told me they do not accept principal payments over the phone ; they only accept payments by mail. This was confirmed by a supervisor and I submitted a formal complaint about the matter.
In my opinion, this is a shady business tactic. TFS charges interest on a daily basis. Not allowing online or phone payments that can be processed in a timely manner, allows them to charge more interest to the consumer, in the time it takes for the consumer to hand write a check, place it in the mail, the parcel ships ( 2-3 days ), and while it sits on someone's desk waiting to be processed.
|
| 04/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
I recently opened an Auto Loan with Mazda Financial Services ( MFS ) for a new car. Shortly after opening the loan - XX/XX/21 - I received a Privacy Notice from MFS regarding my Privacy Rights and my right to limit the sharing of marketing information to their affiliates.
On XX/XX/21 I responded that I wanted to limit the sharing of my personal information for marketing purposes to MFS affiliates and non-affiliates. I requested a letter or email to confirm this change had been made.
On XX/XX/21 I called MFS Customer Services to inquire why I had not received the requested notice. The Customer Service agent informed me she saw the requested change had been made to my account. When I again requested a written confirmation of this change to my account I was told that MFS did not send confirmations of those changes.
I consider this a significant change which ensures I protected my privacy to the extent allowed by law. I do not know why a confirmation was not sent. If I had changed my financial contact information I am sure I would receive a written confirmation. I consider my privacy rights every bit as important. I am not satisfied when I can not receive a confirmation of changes I made in that area. It causes me to suspect a motive - not beneficial to my request - on the part of Mazda Financial Services.
|
| 05/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
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|
I used to live in XXXX. I leased Lexus car my payments used to {$490.00}, never missed a single payment. I then moved to XXXX, sale tax has increased by XXXX dollars. I did not receive any note or letter or notification asking me asking to pay XXXX dollars more a month. I continue to make payments for {$490.00} via automatic debit, Lexus continued to debit $ XXXX month.I XX/XX/2017 I was shocked that I was reported for late payment even though I always paid the XXXX via automatic debit, Lexus stated that I had to pay {$500.00} ie XXXX dollars more.It would have been easy for me to pay the XXXX had I known about it. Have never in my life missed a payment. I believe that this is unfair practice since any logical person can realize if I am paying {$490.00} i could have easy been able to pay the who {$500.00} had I known that this my about due .I never intended to delay in payment just dd not know. When I new form my credit report I immediately pain the deference, I beige is unfair to label my credit report with late payment where I clearly paid the money ( {$490.00} ) every month via automatic debit, for very brief time the amount was XXXX dollars short just because I did now. I contact Toyota /Lexus they wot even talk to me and refused to work with me on that. I disputed this but was unable to change this.
|
| 01/17/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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|
My car was n't impounded or abandoned. The day of XX/XX/2016 my car was totaled and the police officer told me that no body shop would take the car that I should have it towed to impound. So I had it towed to the XXXX XXXX XXXX impound at XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XX/XX/2016 I contacted Toyota customer service and reported the incident and the location of the car. I contact Toyota GAP and they told me the loss department would file for the GAP. I contacted the impound and they told me that since the Toyota is legal owner of the car and the car is totaled they going to contact the Toyota MTR Credit Corp at XXXX XXXX XXXX XXXX XXXX XXXX and try buy the car from them since is totaled and he said the will proved to Toyota by sending them picture of the car and the document the car is totaled. Late when I call the impound they said that the Toyota give them permission to buy the car from Toyota. I contacted toyotacustomer service and they transfer me to another department and he told me that the car was sold to the impound. That according to my GAP agreement ( does n't require insurance ) will pay off the car and what ever remaining balance is would be waived. Which is terms my lease and GAP agreement. She also asked for copy of the police report and I faxed and mailed a copy of it.
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.
Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).
Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$8300.00}.
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Toyota Financial Services continues to violate the law claiming that the information they are furnishing is 100 % accurate and complete, when in fact it is not the case. Again, caught in a lie, I have uploaded the document where they show the balance that is owed. The amount owed on their invoice shows XXXX but on my credit report with XXXX it shows {$9200.00}. Clearly, they are not reporting 100 % accurate information, and I demand that they remove the account immediately from my credit report. They continue to play around and justify their incorrect reporting, but it seems that recently toyota got caught misreporting and tarnishing people 's credit report with incorrect information, straight from the cfpb website.
https : //www.consumerfinance.gov/XXXX Specifically : Furnishing false data to consumer reporting companies : Toyota Motor Credit falsely reported customer accounts as delinquent for failure to make monthly account payments even though customers had already returned leased vehicles, and the company did not promptly correct the negative information it had sent to consumer reporting companies even though it knew it was wrong. Toyota Motor Credit also failed to maintain reasonable policies and procedures to ensure payment information it sent to consumer reporting companies was accurate.
|
| 02/25/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
After leasing a vehicle from Toyota, I traded the leased vehicle for another vehicle again purchased from Toyota. As part of the negotiations, the sales person agreed to handle all costs related to the return of the leased vehicle, and took ownership of the vehicle during the purchase process. I was promised that no further charges would be incurred from the leased vehicle, and had no control of the vehicle after it was traded in for the new vehicle. Almost a year after the purchase, I received a call from a debt collector for additional charges, for approximately {$400.00}, claiming to represent Toyota. After contacting the sales person regarding the agreement we had made, he claims that all charges were completed. He has washed his hands of the matter, suggesting I contact the debt collector. After no contact for nearly a year, suddenly Toyota Financial claims I owe them this debt, and has turned the matter over to a collection agency. I assume they are damaging my credit rating. I have completed my part in the purchase agreement, in fact overpaying for the vehicle I received, but the Toyota dealership and Toyota Financial are colluding to extort additional funds from me with threats to damage my credit rating as they hide behind a third party, who now also seems to claim rights to my property.
|
| 03/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a Toyota XXXX of XXXX. I was financed by Toyota Financial Services. I was induced to purchase the vehicle using Toyota Financial Services by the Dealership known as Passport Toyota in XXXX XXXX, MD. The car was ultimately repossessed. I was taken advantage as a consumer so I sought corrective action assistance from : Maryland Attorney General ( Consumer Division ), and XXXX XXXX, CEO Toyota XXXX XXXX ( I have included all of these documents with this complaint ). XX/XX/XXXX. I submitted a Settlement Eligibility Form to XXXX ( see document included with this complaint. Friday XXXX, XXXX, I received a Notice of Ineligibility from Toyota Motor Credit Corporation Settlement, Settlement Administration dated XX/XX/XXXX. Reading the documents I enclosed you will see I have been fighting the unfair loan I was provided by Toyota Financial Services. I overpaid for my vehicle and the interest I was charged was probably due to geographical location of this dealership. This dealership is located in a predominantly XXXX neighborhood and serves primarily person 's of XXXX. *At one time I even asked the Department of Justice to investigate this dealership and their discriminatory practice of selling cars and the financing to person 's of XXXX, disproportionally setting them up for repossession.
|
| 05/11/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I leased a car with Toyota Finacial Services. I turned the car in XXXX XXXX . I received a final bill for a lease turn in fee for XXXX . I paid the Bill on XX/XX/XXXX for the amount of XXXX . I heard nothing fromToyota until XXXX XXXX XXXX , when I received a collection Letter from XXXX XXXX XXXX XXXX . I contacted Toyota and they said they started an investigation. I contacted XXXX to ask for a copy of the cashed check. XXXX told Me Toyota ret urned payment on XXXX XXXX XXXX . I sent another Electronic payment to Toyota on XX/XX/XXXX . I called Toyota to verify payment where they forwarded me to XXXX XXXX XXXX on XX/XX/XXXX . XXXX XXXX XXXX tried to Verify Payment with Toyota Financial Services and they still claim no payment received. I have included XXXX files number XXXX joint account in which I share with my son XXXX XXXX . The 4th pa ge shows the electronic payment made to Toyota on XX/XX/XXXX . The second file is a message from XXXX that sho ws Toyota sent back payment. The third file is the payment made once again t o Toyota Finacial Services on XX/XX/XXXX . If you have any questions or need additional information please let me know. I have also disputed claim with XXXX XXXX XXXX by certified mail.
|
| 04/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I had a vehicle financed with Toyota Financial. I was offered a much better rate by another lender to refinance. They received the payoff and officially closed the loan on XX/XX/XXXX. I had a payment due on XX/XX/XXXX, and because I didn't want it to impact the refinance, I paid it ( {$430.00} ). Because it was after XXXX EST ( I'm MST ), it didn't post until XX/XX/XXXX. Within 4 days, I recieved the overpayment the refinance company paid, which amounted to roughly {$45.00}. I waited to recieve the overpayment I made with the final payment, but it did not come. On XX/XX/XXXX, I reached out to TFS ( they had shutdown email complaints on their site ). I was told that because the account was closed, the money was just sitting in limbo, and she made the request to have it released. On XX/XX/XXXX, I still had not recieved the overpayment and I called TFS. XXXX informed me the funds had still not been released, and no check had been sent. She made a request for it to be released and sent by XXXX. On XX/XX/XXXX, I called to see if the check and funds were released. I escalated the call to XXXX, a resolution specialist. The check had still not been released and she told me it may be 5 more business days to process plus transit time. At this point, I don't see ever getting my funds back from TFS.
|
| 12/20/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
I purchased a XXXX on XXXX XXXX, 2015. After signing all the papers, arriving at a monthly fee of {$360.00} for 5 years, I was called back because I was told that there had been a computer " glitch '' that day and they needed to " recalculate '' my numbers. I trusted them and signed new papers which now have me paying {$380.00} monthly.
I am a XXXX yr old woman and in retrospect realize that this was seen as an opportunity to take advantage of a senior citizen.
There is also a discrepancy between what I was originally told the total cost of the car would be at {$28000.00}. With the new calculations the total cost of the car is {$33000.00}. There is a notation on the original paper that the total cost of the car is {$30000.00}. I put down {$5000.00} in cash and {$5000.00} for my XXXX trade-in.
I have XXXX account numbers with XXXX XXXX, XXXX being based on the first bill for the originally agreed monthly payment of {$360.00}. ( Which I have attached with this letter ) .The second being for the new montly fee of {$380.00}.
I am ashamed that I did not take my son with me to negotiate the buying of a car. I did take a friend. When she thought the deal was done she walked away. I was embarrassed to call her back for either of the signings. I still have not told my son.
I am so ashamed.
|
| 05/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
|
XX/XX/23 Loan Maturity {$76.00} balance due XX/XX/23 Auto payment- {$360.00} Over payment- {$280.00} XX/XX/23 Auto payment- {$360.00} XX/XX/23 I attempted to stop this payment with my bank payment was already dispersed.
Over payment - {$360.00} XX/XX/23 Refund {$280.00} for XX/XX/23 auto payment Letter confirming loan is paid in full accompanied by Vehicle Title.
XX/XX/23 Letter from Toyota stating 'contract/loan has matured and TFS has received all contracted monthly installments ; however there is a balance of {$76.00} due on the account. Please forward {$76.00} to TFS. ' XX/XX/23 Stop payment- {$280.00} for XX/XX/23 auto payment refund Stop payment fee - {$15.00} bank fee Off shore customer service would not transfer my call to a supervisor, resolution specialist or bounce my call to the United States.
Did not receive a call back as promised from Resolution Department XX/XX/23 Faxed bank statements to Toyota XX/XX/23 Filed a complaint through XXXX ID XXXX.
XX/XX/23 Toyota complaint XXXX closed, not resolved.
Toyota Collections Department has called everyday wanting to collect {$76.00} past due.
Credit report received late payment notice.
XX/XX/23 Filed a Dispute through XXXX to Toyota Financial Services XX/XX/23 Account balance on TFS website {$360.00} outstanding balance.
|
| 06/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XX/XX/XXXX- requested a payment due date change. Never responded to my request.XX/XX/XXXX- Told me I had to go 30 days late before they would assist me with payments. Called 1 day after due date and was told that was not policy and they would have helped before then. I requested the late payment be removed from credit report and they said they would have manager call. Toyota called 1 time and I called back. No one returned my call. I attempted 5 more times with no one helping or returning my calls. Was told they could listen to the original recorded call and correct my report if that was said. Will not call me back.XX/XX/XXXX requested statements from XX/XX/XXXX and XX/XX/XXXX. I believe the due date was incorrect 1 month. Ignored my request.
XX/XX/XXXX attempted to make a payment at XXXX on XX/XX/XXXX for a loan thats due XX/XX/XXXX. Website now says will not accept weekend payments. I have made many prior weekend payments without issues. System changed my date to XX/XX/XXXX and now will be late. No noticed was ever given they no longer accepted weekend payments.
XX/XX/XXXX- found my husbands ex-wifes parents phone number on my account. I googled the number and they came up. They are obviously calling people that have NOTHING to do with this account. Where and how did they get it??
|
| 12/02/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was laid off XX/XX/XXXX but started working again on and on XX/XX/XXXX. On XX/XX/XXXX, I contacted Toyota Financial Services ( TFS ) requesting assistance and received a deferment. After noticing that I need more time, I contacted TFS prior to 30 days requesting another 2-month extension. The representative set up the deferment fee for XX/XX/XXXX and explained this was the latest date that I can submit before it affects my credit rating. This was important to me because I did not want my credit affected especially while I was in the process of refinancing my home.
During the first transaction, a payment was processed immediately. The second payment was set up for a draft which I was later told I should have sent the agreement back signed. According to Manager XXXX, who's reasons for not removing the delinquent mark changed stated that the agreement does not state that if I do not turn the form within a certain time period TFS will report you to the bureaus. She explained that the program is set up for delaying payments not protecting your credit. My concern that I was NEVER told my credit was in jeopardy until today. I also asked XXXX to send me the 2nd signed agreement which states that I had until XX/XX/XXXX to send in the agreement. TFS is refusing to remove the 30 days late.
|
| 09/30/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
My Toyota dealer ( XXXX Toyota ) called and offered me a new car if I turned in my leased car early. They said there would be no penalty for doing so. So I agreed and the dealer took care of all the details. I have been in touch with the dealer and they are unwilling to do anything to help me out of this mess.
I got the new car and am now paying {$340.00} per month on the new lease. However, the finance company claims that the loan was not satisfied completely because the car did not sell for the amount they needed at auction. What does this have to do with me, I do not know? In the meantime, Toyota Finance has turned this over to a collection agency who harass me and my wife night and day. We are XXXX and XXXX years old and do not need this at this time in our lives. I think we have been taken advantage of by the dealer first, and then by the finance company. It is a good thing that I am not in the market for a house since I 'm sure that this is not looking good on my current credit report. It has been stellar up to this point. How can I get these people off my back? I am not responsible for this money and the dealer says he sent the finance the correct paperwork a long time ago. But I am the one being harassed. He apparently ca n't be bothered to look into it for me. Please help.
|
| 12/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hello, Mazda Financial is reporting my payments on my XX/XX/XXXX and XXXX XXXX bills as more than 30 days late. However, this is a result of poor processing by the Mazda Financial telephone agent.
Based on my own records, and confirmed by Mazda Financial, on or about XX/XX/XXXX I called Mazda Financial to authorize full payment on my account. Mazda Financial has confirmed this. Accordingly, my XX/XX/XXXX invoice should have been timely paid.
However, the telephone agent did not fully draw the authorized amount. Because of this, the amounts I paid at the end of XXXX ( received 31 days after XX/XX/XXXX ) were deemed late payment on my XX/XX/XXXX invoice and subsequent payments have been tagged as 30 days late ( because bills I was intending to pay at the time of invoice were then deemed applied to the older bills ).
I called again this morning when I received my notice that the dispute was not resolved to clarify this error and I was told, again, that they acknowledge I called to make payment but because I did not catch the agent 's error prior to the 30 day mark Mazda Financial will not take the late payment mark off my account.
I truly feel this does not accurately reflect anything about my credit history, and it is literally going to cost me money on all future borrowings.
|
| 03/04/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My personal credit was affected by 30 points because of a 30 day late payment which I was not aware of.
This lease is a company lease and all notices are send to our company address. the dealer had a bad phone number on the account for our company. We never received a late notice by mail nor did we receive any phone call. We did not supply them with that phone number. The dealer may have gotten it off of an old website listing. That number has not been operational since 2014 when we moved to our current address.
The finance company claims they made calls to my residence but since I have a block on auto-dialers, the phone will not even ring to my residence. They claim they made manual calls but I know this to be untrue. If a call had been received at my residence I would have addressed it promptly. Also, we received no written notices to our business They reported this on my personal credit report as 30 days delinquent but since I received no notification personally I was unaware of the delinquency. This is a corporate debt which I guarantee and I believe that the 30 day delinquency should be removed since they only use dialers to contact people and I was never spoken with or given the ability to pay by phone.
They never sent any notification to my personal residence either.
|
| 11/06/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I recently relocated to Florida and grounded my XXXX XXXX XXXX purchased in Iowa. I called in for the payoff upon trading my vehicle in for a XXXX XXXX and the dealer issued payment for the remaining balance. After XXXX received the payment, there was still a balance of {$330.00} reflective on my online account so I called in to verify what it was for. The representative told me the taxes applied monthly to each payment were actually removed since a lump sum was paid at once and the {$330.00} was what was left on my account. Upon fulfilling the {$330.00}, I would then receive the disposition fee of {$350.00} along with any fees from damages found. Not even a week later I received a bill in the mail for {$1400.00}. I have called several times to verify these charges and no one will call me back. They have threatened to place my account status under a voluntary repossession if they do not receive their payment 30 days of the notice. I have no idea what this charge is and can not get ahold of representative or XXXX with an answer. I 'm starting to think they do n't even know. I am a victim of XXXX XXXX and a single mother ; if I knew this amount was due the dealer would 've covered it. I have never missed a payment with XXXX. I can not afford to pay this along with my current bills.
|
| 02/09/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
Although your response wasn't satisfying but thanks for taking the time to do so! I just got off the phone with your agent who won't transfer me to a supervisor! She did request to see where the ticket was for {$200.00} ( I will be attaching that info to this email )! Not only you sent the ticket to the old address because database error in your system but you also didn't pay it on time and waited for the ticket to accumulate late charges making the amount {$400.00}! Why is it so hard for you to admit you sent the ticket to the wrong address and waited for late charges to accumulate instead of waisting my time trying to confines an unprofessional department that it's your fault and you should take responsibility for you lake of communication!! I need to talk to someone who can make decisions and stop asking me to call your XXXX number and speak to random agents who can't make decisions/wo n't transfer the call to a supervisor nor acknowledge your mistake and apologize for the inconvenience this issue had cost me " My number : XXXX ''! This department shouldn't be called customer service but rather money hungry department that can't see beyond the computer 's screen monitor! " One piece of advise if you can understand it : we make machines to help us not control are decisions ''
|
| 03/06/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Account # XXXX with Toyota Financial Services, Account manager XXXX XXXX " fraud department '' My lease was up in XX/XX/XXXX on my Toyota XXXX XXXX and I did not turn in the car because we wanted to keep it and just keep on making payments. I think I missed about 1 to 2 payments BUT when I tried to bring the account current I was told that the account was closed and referred to the Fraud department. I spoke to XXXX on that department through a Spanish translator BUT was very confused at the end of the process so I contacted my friend XXXX XXXX to call for me and get all the details of what's going on and to see what we could do in order to keep on making the payments so they don't take the car away because I was told that they had tow trucks looking for my car already. My friend XXXX XXXX called and spoke to the account manager XXXX who was extremely rude, she didn't NOT give her any information because she demanded to talk to me. XXXX XXXX is an authorized individual on this account because I was told by the Toyota representative that it was the only way she could get information and help us with clearing this mess up. XXXX also mentioned that she had e-mailed some documents but refused to send them to XXXX XXXX or give her any information that can help us clear this mess up.
|
| 03/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Older American |
|
my sister who is not strongly literate has been struggling with Toyota Motor corporation She has held on the phone for many hours over a period of 11 months and has been given the run around. she beat the deadline to take part in the Class action suit back in XX/XX/2018. She was told they would honor her contact date of early XX/XX/2018. But did not send her the paperwork until XXXX after she kept calling them inquiring about it. She faxed over the paper work Settlement Eligibility form on three different occasions. She was told back in XX/XX/2018 that her paperwork was received. And later told it wasn't on file. The lawsuit was due to discrimination based on race ( XXXX XXXX ) giving them high interest rates, charges and fees without determining their true credit worthiness. She has since been treated poorly and continuously discriminated against due to age, race and socio economic standards. She is paying over {$14000.00} for a vehicle that is over 10 years old. They added a warranty and financed it without fully explaining to her the terms. They won't honor her paperwork for the Settlement, either. please help. She has been hung up on, and have been given poor instructions for completing the paperwork .They could discern from her phone calls that she is not very literate.
|
| 08/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
XX/XX/XXXX : I purchase a new XXXX XXXX from a local dealership ( XXXX XXXX ). I finance the balance of my loan though Toyota Financial Services ( approx XXXX of $ XXXX total ) XX/XX/XXXX : my XXXX account is set up online, and I set up autopay of {$760.00} per month AS LONG AS there is a balance owed to XXXX ( per the contract ) XX/XX/XXXX : I come into a extra money and decide to pay off the loan amount. Their website is LESS THAN FRIENDLY when it comes to making ONE TIME PAYMENTS. I post the payoff amount ( approx $ XXXX ) and XXXX refuses to take it. I contact XXXX customer service. They FAIL to explain things the first time I called. I call back and it seems ( after I figured it out ) that only {$4900.00} can be taken as a ONE TIME PAYMENT. Since I owed over $ XXXX, from XXXX XXXX I made four ONE TIME PAYMENTS of {$4900.00}. That left my payoff amount on XXXX XX/XX/XXXX of {$1800.00}. I make one final ONE TIME PAYMENT of {$1800.00} ( enough to ensure its paid off ) on XXXX XX/XX/XXXX. THEN, they STOLE ANOTHER AUTOPAY of {$760.00} AFTER the PAYOFF AMOUNT had been posted XXXX XX/XX/XXXX : I received in from the USPS a check from XXXX for {$13.00}. WHERE IS MY TITLE? WHERE IS THE {$760.00}? THESE CRIMINALS HAVE STOLEN MY MONEY AND REFUSE TO SEND IT AND MY TITLE TO ME.
|
| 09/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
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|
Toyota Financial Services had my vehicle repossessed for XXXX in arrears. I offered to pay back balance plus towing expenses before it left my driveway and they said no. They insisted that I pay off the balance of the vehicle at a XXXX. I said I was interested in keeping the vehicle and protecting my credit and they stated they would only let me pay off the vehicle. I again offered that I could pay past due amount and towing to stop repossession and they refused and took my car. Now they said I would have to pay XXXX, towing fee and transfer fee as they are moving to an out of state towing area to have it auctioned off. So I asked if I could pay for it when could I get it back they said I had to wait seven days. I said you just told me you were moving out of state to be auctioned XXXX but I have to wait XXXX and incur extra charges because you move it. They said yes ... I 'm not sure what my options are, please help. This happened XXXX other time and the amount was XXXX plus I paid it immediately and stopped any issues. When I offered this time and the amount is actually less they declined and said they were taking the car and my only option is to pay it off. This is my sons car and as a government employee who may be furloughed I 'm trying to save my credit and my sanity.
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| 01/31/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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At the end of XX/XX/XXXX I traded in my Toyota leases ( XXXX XXXX & XXXX XXXX ) to XXXX XXXX in XXXX NY. XXXX Sent Toyota check ( s ) to pay both off. It appears that Toyota misapplied funds, all monies were apply to XXXX leaving an overage. I received a late notice for the XXXX? I called XXXX to find out why. Mr XXXX, sent me a copy of the canceled check for the highlander. I could not reach Toyota. Mr XXXX DID get through to Toyota XX/XX/XXXX, talked with XXXX ID # XXXX she assured him money would be transferred. I figured that would be the end and Toyota would correct their mistake. The beginning of XX/XX/XXXX I noticed something odd on my credit report reported from Toyota so once again I phoned Toyota on XX/XX/XXXX. On XX/XX/XXXX, I spoke with 3 people XXXX ID # XXXX, XXXX ID # XXXX & XXXX ID # XXXX. XXXX was the only person that seam to have some knowledge and found the mistake, she asked to give it a couple of weeks so the money could get correctly applied after the account was reviewed. I called today XX/XX/XXXX ( 2 wks ), talked to XXXX ID # XXXX, after explaining what happened to the account, she went through the notes. XXXX told me that the account need to be reviewed & give it a couple of weeks. This has given me much trepidation, and is affecting my credit.
|
| 11/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
|
On XX/XX/XXXX I was notified on my credit report of a missed/late payment delinquency on my Toyota Lease account for my XXXX Is XXXX XXXX that I had leased through Toyota XXXX XXXX XXXX I called Toyota Financial Services on XX/XX/XXXX to inquire of this inaccuracy and spoke with customer service and was informed that payment had been received in XXXX on the XXXX and next payment due wouldve been XX/XX/XXXX as my usual due date. Payment was due XX/XX/XXXX and vehicle was declared a total loss XX/XX/XXXX by XXXX and paid with account closed XX/XX/XXXX.
The late payment is inaccurate as XX/XX/XXXX wouldve been the accurate XXXX day delinquent time to report to credit bureau had the car not been deemed total loss by insurance and paid by insurance XX/XX/XXXX. Being that this account is in closed status as of XX/XX/XXXX and total loss department with Toyota Financial services, it should not be deemed delinquent payment and impacting my credit report negatively and dropping my credit score forinaccurate reporting. This is deemed to be inaccurate and an incorrect report that I would like to be removed from my credit report and disputed for inaccuracy. Ive attached all necessary documentation for review as evidence to suffice my claim. Please update and review accordingly.
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| 09/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
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Web |
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We bought a used XXXX XXXX XXXX and it was totaled on XX/XX/XXXX. We had purchased the gap insurance through Toyota through the car purchase. After the accident, my insurance paid $ 11k+ and I reached out to Toyota to have the remainder {$2500.00} paid off via gap insurance. Toyota had some kind of issue sending the info to their gap insurance division as the gap insurance division said they didnt have a claim from Toyota. We went back and forth for days, with both sides refusing to get on a call together to resolve this. This was XXXX. The last interaction we had with the gap insurance from Toyota was they would handle it for us. XX/XX/XXXX and we found it did not get covered by Toyota gap insurance and went through a collector which as of today 's call, said they haven't serviced that account since XX/XX/XXXX. They told us to contact Toyota Financial who is also on our credit report for a resolution, but we have been escalating and being transferred to a lost number of reps and supervisors and no one will resolve this for us. Toyota FinanciaXXXX confirmed no payment was ever made. Essentially, Toyota is selling gap insurance and I am a victim of a gap insurance cover up in which I paid for a service they wont render and is now impacting my credit report and score.
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| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
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I requested an extension agreement for the month of XXXX, I uploaded my extension agreement before the 30 day mark so that it would not be recorded as thrifty days late. I uploaded it on XX/XX/XXXX the same day that I spoke with a representative. I signed the document and sent it back. XXXX called me on XX/XX/XXXX more than 2 weeks after I uploaded the extension agreement saying that I was 30 days late. I uploaded the same document that day because customer service stated they could not see it on their end even though I could see it on my customer portal clearly showing it was uploaded. XX/XX/XXXX they reported me to the credit bureau as 30 days late. XX/XX/XXXX I spoke with a supervisor who could see the document but stated they did not process my agreement on XX/XX/XXXX because it was not dated. Which made no sense, the same document I uploaded on XX/XX/XXXX was reuploaded on XX/XX/XXXX, neither of them was dated but they still accepted it the second time with no date. They intentionally waited until I was 30 days late to tell me they couldn't see the document and that it needed to be dated. They do not want to fix it and it's irresponsible for them to accept the second document but not accept the first one when they have the same signature but no date on either.
|
| 02/14/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
I am sending this request for the third time in response to a notice I received from you, on several occasions I have one disputed the item two sent 2 complaints in regards to this matter.This is not a request for " verification '' or proof my mailing address, but a request for Validation made pursuant to the above named Title " Toyota Financial Services '' I respectfully requested that i was provided with competent evidence that I have any legal obligation to you. what I have not received was the following -- -- verification or copy of any judgement if applicable -- -- prove the statue of limitations has not expired on this account -- -- show me that you are licensed to collect in my state, and -- -- -provide me with your license numbers and registered agent If your offices have not reported invalidated information to any of these three major Credit Bureau 's ( XXXX , XXXX or XXXX , ) said action might constitute fraud under both Federal and State Laws.due to this fact, if any negative mark is foudn on any of my credit reports by your company or the company that you represent I will not hesitate bringing legal action against you for the following Violation of the Fair Credit reporting Act Violation of the Fair Debit Collection Practices Act Defamation Of Character
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| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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Toyota shows that on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I did not pay my car payment when in reality I did. The final week of XX/XX/XXXX, I made my car payment for XXXX, In XXXX of XXXX I made my car payment within the first week and within XXXX of XXXX I made two car payments for XXXX and XXXX. There were several times I asked for extensions due to illness which XXXX gladly gave me assuring me that an extension does not constitute none payment. There were also several times I paid two to XXXX XXXX dollars more then my regular payment to pay ahead and to be current. Toyota has told me several times that I paid in full and that I have not paid late and that they would correct the mistake on my credit report. But this has not happened yet. In XXXX of XXXX Toyota tried to say i did not make a car payment which i did. i mailed the payment to them guaranteed check. they received it three days later but lied and said they did not. I made an XXXX car payment at that time as a result over the phone. two months later we found out from Toyota and the bank, that they did receive my XXXX payment via guaranteed check. They applied and updated that payment and I asked them to please remove the delinquency from my credit report. They said they would but have since done it.
|
| 12/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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I recently traded a XXXXXXXX XXXX in for a XXXX tundra at XXXX of XXXX XXXX. In the deal they agreed to pay out my old truck at XXXX XXXX which is what I owed and to sell me the new truck for XXXX XXXX. When I got my first bill it was close to XXXX XXXX. I contacted the dealer to find out they only paid XXXX XXXX for my trade and they added XXXX XXXX dollars in extra warranties and insurances I had didnt know even existed. They never gave me a copy of the contract. They wrote the wrong name on the contract. They also never explained any of the contract which is required by law they do. I have since had them remove the extra charges yet my loan amount is still XXXX XXXX so my payments are still for an XXXX XXXX loan. Also my i street rate is for the XXXX XXXX as well. I never agreed to this amount. I have contacted XXXX XXXX several times and the dealer as well and I was told at the dealer I have to buy another vehicle and I have to pay sales taxes on the new and old vehicle. I just spoke to the sales manager today and was just hung up on and told i can refinance which I cant or buy a lesser vehicle and pay the sales taxes on both the vehicles. Then he hung up on me. Ive been contacting the dealer about this since XXXX as well as XXXX XXXX. Nothing. Please help.
|
| 11/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I purchased new XXXX in XX/XX/XXXX had a car for ten days and got totaled. It was hit and run not even my fault. I made two payments one in XXXX and second one in XXXX because Toyota didn't want to release any information to my insurance because car was under my name. Finally in XXXX check was sent to Toyota Finance and car was payed in full. In month of XXXX I ever received a phone call from them if I am ready to get in a new XXXX. In middle of XXXX I received Billing Statement from Toyota Finance which I am attaching as a evidence. In this statement they are stating how I owe {$550.00}. So from XXXX until XXXX it took them four month to realize there was a difference between check they received from my insurance and there documents. They already release the vehicle and title so if there was a difference in a pay off amount why did it took them four month and why did they release title if vehicle wasn't paid in full? Also look at the dates please statement date on the billing statement is XX/XX/XXXX and due date is XX/XX/XXXX. Toyota Finance already put me on collections on XXXX of XXXX. I recently checked my credit because I am looking of buying my first house and seen what they did to my credit. Toyota finance should be prosecuted for this.
Thank you XXXX
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| 05/11/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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Web |
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I bought a XXXX XXXX XXXX on XXXX of XXXX . Loan was for XXXX . I have paid XXXX towards it. At first i though what ever i pay extra was going to go to the principle but then i notice i was just ahead of my payments by six months. I talked to the company and told them to fix it two weeks before end of XXXX XXXX and i was XXXX i needed to call for the payment to be adjusted. Then i notice only half of what needed to get back was posted witch was XXXX out of XXXX . For month my payments with interes t is XXXX is XXXX so i called again to question about how the adj was done i was adv that the xtra amounts were to go to the principle on the first place this was the last week of XXXX XXXX , finally i got a breakdown of how they adj. So i decided to save the money and just make the regular payment on XXXX XXXX XXXX , then i see the post on my acct all the XXXX i payed was paid to the interest only. I contacted the company and was adv no payment has been done for 60 days. I requested a supervisor and they say no one was available i have requested a supervisor before but no one calls me back. Now i dont know what else to do. I am very frustrate getting very bad XXXX and is affecting my health. Please help what can i do.
|
| 06/22/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
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Web |
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I leased a car from Toyota with Toyota Financial Services providing the funding. At the end of the lease I turned in the car, confirmed all XXXX payments had been made and was told via their customer service line that, despite the webpage showing another payment was due in one month, I would not be charged as I had complete all of my obligations. However, one month later the payment was taken from my checking account. I called the customer service line again, they agreed to refund the money via a check ( meaning I 'd have to wait a week or more to have my money back ), but that the error was mine not theirs. The customer service representative said that it was my fault this occurred because I did not login to the website and direct them to not take any further payments. The customer service representative told me I should have been provided a prompt when I accessed the webpage, but I did not and the previous customer service representative did not say I needed to perform any such action. In my opinion this is stealing and Toyota Financial Services profits off of people who may not manage their checking account as closely as I do. Once the obligation of the consumer is completed I believe the lender also has an obligation to ensure the consumer is protected.
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| 11/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Notice to repossess
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Web |
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On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC on behalf of Toyota Financial Services XXXX entered my property without my consent, I had to jump out of my first floor window not knowing what was happening, I told the agent that he couldnt take my vehicle because it already has been paid in full and that I had no knowledge of the repossession taking place. Toyota Financial services has been receiving Legal tender payments since XX/XX/2023, but have refused my payments but has also failed to return payments. They have refused to provide the requested information. I was told by XXXX Agent that if I didnt hand him the key, my car was going to be taken out of state and I felt forced to give him the key to my vehicle but I was not able to take out my personal belongings due to the car already being on the tow truck. Toyota financial services was also provided with a UCC 11 search that proves they never filed a financing statement but still claims to be the owner of my vehicle. Toyota Financial services is in violation of MA General Law UCC 9-506, UCC 9-611 , UCC 9-612, UCC 9-613. Toyota Financial Services also failed to acknowledge that the vehicle was purchased for personal reasons and it could not be repossessed prior to court hearing as stated in the agreement.
|
| 04/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries.
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX Toyota Motor Credit Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX
|
| 05/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
I got my new car in 2018 it was a XXXX XXXX. It was purchased in XXXX XXXX Missouri at XXXX XXXX. over the course of the loan since 2018 I have had six payment extensions where I skipped a payment. I also made a few split payments, but I was never late once on the loan now I am being told that at the end of the loan, a.k.a. the maturity date that I will still have a balance due of approximately {$5200.00} Toyota financial services, which is the company in question can not explain where these fees come from with any certainty and is getting outright hostile with me by telling me that its not their responsibility to tell me where the fees come from. I do have a high interest rate on the car which is something that I excepted when I bought it. I would understand if there were some fees involved with extending the life of the loan, but definitely not to the tune of {$5200.00} if I could get some help with this, it would be greatly appreciated. Theyve already tacked six more payments on to my loan as it is so Im not understanding how you can then also double dip and charge interest for the extensions as well when I called them they dont have my loan contract nor do they have any revised contract, showing the new stipulations after the extensions that I did.
|
| 05/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
Toyota Motor Credit Account # XXXX Date Reported Open : XX/XX/XXXX Date Reported Closed : XX/XX/XXXX This letter serves as a dispute pursuant to the Fair Credit Reporting Act ( " FCRA '' ) 15 USC SECTION 1681 et seq.
Toyota reporting bureaus : XXXX, XXXX, and XXXX that I made a late payment on a Auto Loan.
I dispute this derogatory remark due to the fact that I was never late on a payment. The above named company has failed to provide proof of late payment and the amount of the payment.
Toyota has to submit to me proof as to when then monies was received by them from me, and also the amount. Toyota also has to provide the their bank statement which supports any date provided as to what date the monies were received from me and were allegedly late. And also provide the required payment dates and late dates.
1. Toyota has reported and has continued to report such derogatory remarks beyond the statute of limitation to report and continue to report such alleged late payment to the credit bureaus ; 2. Toyota has no permission from me to report any late payment to the credit bureaus without my written or verbal permission. I did not authorize any submission or reporting any alleged late payment to the credit bureaus in violation of FCRA section 604.
|
| 07/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
Auto loans or leases Total balance : {$16000.00} TOYOTA MOTOR CREDIT Balance {$16000.00} Updated on XX/XX/XXXX I started a lease with Toyota XXXX for a XXXX XXXX XXXX XXXX on XXXX XXXX. By XX/XX/XXXX there was a serious retread tire problem on this new vehicle and I almost had a serious car accident. This happened within the first 30 miles of driving this vehicle.
To make a long story short, The XXXX XXXX Elder Law Attorney sent the dealership 1 letter and I was given the option of being release from the loan and by XX/XX/XXXX this auto loan was resent. All docs were signed and my deposit was returned buy XX/XX/XXXX. Release of liability and other DMV docs are attached.
I called Toyota XXXX Friday, XX/XX/XXXX to find out why the Toyota loan is still on my credit report, they told me that the account was closed out and it would take 3 business day to be corrected on my credit report. Toyota XXXX Loan is still on my credit report and my XXXX has already denied me for a car loan. Moved here ( XX/XX/XXXX ) to XXXX, NV to work but can not work until I get an Auto. This credit auto loan with XXXX XXXX is closed on their end but is creating a problem plus hinders me from buying a new vehicle. Please help me, I am a senior and do not need this headache.
|
| 06/11/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section 609,623,809 i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent onXX/XX/XXXX to XXXX disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3. XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for Toytota, XXXX XXXX XXXX XXXX1 4. XX/XX/XXXX Debt validation letter sent to XXXX XXXX disputing amount owe XXXX 5.XX/XX/XXXX XXXX, XXXX , XXXX dispute letter to XXXX amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to XXXX
|
| 06/12/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Confusing or misleading advertising
|
|
Web |
Servicemember |
|
I leased a vehicle back on XX/XX/2019. Since XXXX I was asking the financial institution what I need to do in order to take the car with me to XXXX XXXX. Due that I was here under the XXXX license and that I had to report back to work on XX/XX/2019. I spoke in three different occasions with three different customer service representative from XXXX XXXX and in all of the three conversations they told me that I will have to change my lease into a conventional financing in order for them to give me a permission letter to take the vehicle with me. Also, they told me that I need to submit the documents stating that I had to report to my work by XX/XX/2019. I did exactly what they told me to do and switch my lease into a conventional financing. When I submit the documents they told me that I can not take the vehicle with me to XXXX XXXX. It should be evidence in their system and recorder conversations when I called and the instructions that they told me to follow. Now the options are slim and if I return the vehicle it will affect my credit and if I sell it back to the company I will have to pay them few thousands dollars due to the depreciation of the vehicle. That I do not have it right now. This situation has cause damage to my health and collateral.
|
| 04/20/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX I returned a vehicle to Toyota XXXX XXXX dealership after 3 months of not being able to afford the monthly payment of $ XXXX. I was not provided any type of documentation when I returned the vehicle in XXXX. Two months after the incident, XX/XX/XXXX, the Toyota credit is claiming they sent a statement with some due fees I owed from the returned vehicle. Which, I never received a notice in the mail in XXXX. After I began investigating this matter, I found out about it when i was denied a mortgage application, i called Toyota and they provided me with a copy of that statement that was sent out in XX/XX/XXXX. My account was sent to collections in XX/XX/XXXX, but I was never provided with a statement explaining the charges and my rights to dispute this account. I have never heard of this account from Toyota since XXXX, they do have all my contact information since i currently own a vehicle from the same dealership. I contacted a legal adviser and they explained my rights and they suggested me to start a dispute with the Bureaus and also to dispute the account with Toyota itself due to fail to comply with the law, which states I should of been notified as a consumer when they notified all bureaus about a collection and damaged my credit.
|
| 01/05/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Toyota Financial Services reported incorrectly information to the Credit Bureaus for a late payment done on XX/XX/XXXX. This late payment was not reported until I protested another late payment done in XX/XX/XXXX. I feel that TOYOTA FS was dishonest in reporting to the Credit Bureaus correct information and I never received any notice or call regarding making a late payment either. When I protested on the BBB in XXXX, XXXX admitted that they had done a mistake/error and should have reported this late payment. I was never informed that they had made this report or late marker. Therefore I feel that TFS is acting in a dishonest illegal way due to not informing the bureaus and then backtracking themselves and not informing me. I believed that payments could be done until the XX/XX/XXXX without penalties.
On another note, I payed my monthly payment on XX/XX/XXXX due to the fact that previously I had payed up the XX/XX/XXXX th before getting a XXXX day late payment marker. I also called TOYOTA on the XXXX letting them know that I was sending a check for the complete payment on the XX/XX/XXXX since I had refinanced my mortgage to pay off my account with TFS. I was never told that a late payment marker was being applied that day due to lack of payment.
|
| 05/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
We purchased a new car XX/XX/2020. The contract included auto start however the car had to have this installed. We called back multiple times XXXX and XXXX and were told to contact an outside company who they use to do the install for scheduling. We did and were told no order was sent. We called back Toyota and were apologized to and said it would be resolved end of day. This has happened 10 times. Finally we called in XXXX and were told because of COVID 19 that outside installs were on pause. We tried telling them this issue has been active since long before the virus became an issue. We called back XXXX to see what the hold up was and the outside company says they still dont have an order to install auto start.
Toyota said they would call back by the end of business day, that again never happened now for the 12th time.
Not sure why they are not wanting to install the auto start but it was literally a decision factor in purchasing this vehicle. We would never have bought had that not told us contractually, this would be added. Weve never owned a car without it and we also go through Toyota for now our 5th car.
This is just insulting. Weve like to return the car if they have no intention on installing auto start as theyve already agreed.
|
| 12/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I granted the right to extend credit today, XX/XX/2021 to XXXX OF XXXX! XXXX of XXXX financial and XXXX XXXX XXXX both received payment off of my transaction! I continuously told the representative repeatedly that I was completing a consumer credit transaction and that my signature and social security card is sufficient enough to secure the car! Federal law states The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit pursuant 15 usc 1602 ( l ). I told the representative I was giving an oral consumer report and assuming a vital role over my life. 15 usc 1681 ( a ) ( 3 ). I am the consumer, natural person and original creditor. I am not the fictional entity. 15 usc 1602 ( f ) Credit is my XXXX given right granted, not a privilege and no organization can tell me what I am worthy of! They used my credit card ( ssc ) and placed an hard inquiry on a consumer report, but denied me. Its aggravated identity theft! 18 usc 1028a I am well aware of the process of a consumer credit transaction & the banks are borrowers, I am a lender! A Security Exchange was supposed to take place, but it did not! They took my security and gave me nothing for it!
|
| 04/26/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I had leased a used XXXX in XX/XX/2016 and at the end of the lease turned the vehicle in. At that time I bought another XXXX vehicle. I did the transaction at XXXX of XXXX. Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The salespeople who sold me the new car were XXXX XXXX and XXXX XXXX.
I wanted to lease the vehicle but at the time XXXX was not providing leases on used vehicles. So I opted to buy the vehicle outright. At the time of purchase I confirmed that I will not be assessed a disposition fee. I asked this explicitly and was told clearly NO disposition fee since my only option was a purchase ( not lease ). But a month later I received a bill with disposition fees.
When I spoke to XXXX XXXX at the dealership he was surprised and promised to fix the situation. His exact words : " Send me the paperwork, you should not be paying this fees ''. I emailed the paperwork to him and he replied saying he's looking into it. Later he told me that I'll have to take this up with XXXX XXXX. This was a total flip-flop! But I got in touch with XXXX XXXX and they instead claimed that I'll have to resolve it with dealership. So now I'm left hanging with the dealer effectively lying to me and me having to pay {$350.00} which I wasn't supposed to!
|
| 07/01/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
On XX/XX/2018, I returned a leased XXXX XXXX XXXX to XXXX XXXX XXXX in accordance with my lease. The lease was for 2 years and XXXX miles and the car was returned with XXXX miles, within the lease agreement. I subsequently received a bill from Toyota Financial Services for {$3200.00} which included {$2600.00} for excess mileage, {$350.00} for a disposition fee, {$230.00} for sales tax, and a reduction of XXXX for an overpayment. I contacted Toyota Financial Services about the erroneous billing, and after researching the file they agreed the billing was in error, removed the excess mileage charge and waived the disposition fee, which eliminated the sale tax and agreed to refund the {$19.00} overpayment, which they did.
Subsequently I received a call from a debt collector, XXXX XXXX. After researching the file again, XXXX agreed there was no amount due.
I then received another from XXXX XXXX agent claiming the amount was due. I explained the error to the agent but she would not listen. I sent a letter to XXXX and to Toyota Financial requesting letters clarifying that no amount was due. Neither responded to my letters.
Now I receive a letter from another collection agency XXXX XXXX, XXXX requesting payment for the same erroneous claim.
|
| 10/04/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I am being severally harassed XXXX times a day by Toyota financial on my car payment once it hits past due even before the 10 days. I have told them months ago that I would have to pay late due to financial hardship and was working on getting back on track and would never be 30 days late. Every month since I get repeated calls daily I have talked to 4 reps since and told them stop calling me and that I will, and or have scheduled the payment and what date I would pay. I just got off phone after calling Toyota today because they called me from an XXXX are code Illinois number at XXXX in the morning after my payment already processed in my bank and taken out money. Then I tell them not to call again and they call me right back after I told them I was recording the phone call. Also have a recorded conversation from the last guy who was very disrespectful. This company is relentless and causing me severe stress after I have explained my situation and my reason and when I would pay and they do n't care. I feel they have violated the FDCPA repeatedly. My picture screen shots show harassment even after payed and not even late. This is XXXX pages from just month of XXXX. Does n't count every single month my phone ca n't hold that much harassment
|
| 11/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
I had used a loan through Toyota Financial to purchase a new Toyota Tundra from XXXX XXXX Toyota in XX/XX/2020. While speaking to the sales representative and the financial representatives, I was coerced into buying an additional security package as well as extended warranty/service items.
After probably a month, I felt like I made a mistake by purchasing the additional bundles and I contacted Toyota at XXXX XXXX several times to rectify the issue by cancelling the services. One, I made numerous attempts to contact my sales representative, to which she never replied, and had to make several trips to the dealership to speak with someone.
I was told that the security package was nonrefundable, and that the extended warranty services were refundable but that XXXX XXXX would not be able to do it for me and that I would have to take care of it on my own. Eventually I was able to convince them to submit the paperwork on my behalf, however my monthly payments remained the same.
I was then stationed in XXXX and was unable to get any confirmation from XXXX XXXX whether my additional bundles were cancelled.
Additionally, I was also promised an installation of a rear sway bar as part of my deal, but XXXX XXXX never fulfilled this requirement.
|
| 03/22/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX, Toyota Financial Services ( TFS ) made an offer ( on a recorded line ) to give my family two months credit ( {$660.00} ) due to the Federal Government " Shutdown '' of XX/XX/XXXX and XX/XX/XXXX. To wit, my family and I accepted and have awaited the credit ever since. Today, at XXXX PST, Mr. XXXX ( I.D. # XXXX ) of TFS exclaimed that they will not honor this credit as they did not receive a signed note ( which my family and I did not receive in the mail no were we aware that we were to recieve, sign, and return such a Note ) to honor this agreement. Also, I, XXXX XXXX, have been taken off the account as an Authorized Agent on the account, leaving my wife, who speaks English as a second language to somehow negotiate with TFS in these matters. As a XXXX XXXX ( XXXX XXXX ; CA # XXXX ), I consider this a " Switch-and-Bait '' tactic by TFS in order to lure my family into a false sense of economic security and not honor the " Government Shutdown '' credit arrangement which they recorded themselves to, '' honor. '' NOTE : TFS probably solicited several consumers with this offer and then withdrew it once their ( TFS 's ) internal quota had been reached. Again, this is likely a, '' Switch-and-Bait '' on a grand, corporate scale.
|
| 02/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am writing to complain once again about Toyota Motor Credit. Below you will find my original complaint and their response. I feel that their response is still unjust and I will continue to file complaints until they take proper action. The fact that they can damage my credit report negatively for 7 years over one written attempt which I did NOT receive is absurd. As the co-signer on a lease with Toyota Motor Credit how can it even remotely be a fair practice to collect a debt through one letter and ZERO phone calls if that letter was not acknowledged. Now i'm left with a damaged credit report thanks to their lack of due diligence. I am right in the process of home buying and this is basically killed that. I want Toyota to take responsibility for their lack of attempt at collecting this debt and REMOVE this unfair charge-off report from my credit report. They claim they are are required by law to report accurate information and I would hardly describe their attempts as and this " Charge Off '' as accurate. You have the power to remove this do so! Otherwise, i will continue to complain, and even seek legal representation if need be for such unjust business practices and reporting. Hardly the intent of the FDCPA to say the very least.
|
| 01/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
On XX/XX/2018 I had a credit score of XXXX. There were no issues regarding a XXXX XXXX XXXX credit card on my history. After the car purchase, my credit dropped dramatically. After looking into this, I discovered that Lexus had pulled 2 hard inquiries ( 1 without my consent through Toyota ) and suddenly I was getting hit with an issue with a XXXX XXXX XXXX credit card. I attempted to fight them and explained I never applied for the card. My husband XXXX was the applicant. They argued with me that I was a co borrower of this card. Furthest thing from the truth. I requested proof of my signature for this card and after months of waiting they sent me a scribbled line that they claim was my signature. It was not. My signature card on file with XXXX XXXX XXXX is very legible ; as it is with all my signatures. I feel that because they are a large corporation they are attempting to fraudulently place my name with my husbands battle with them. I never once purchased anything on this card. My husband is currently in conversations with settling with them on his own issues of this card. I am beyond frustrated that it never came up until last year. It has ruined my credit score. I feel helpless and will not accept something that is not mine.
|
| 02/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The company is Toyota Financing. They have me reported 30 days late for XXXX & XX/XX/XXXX. On both instances I spoke with a representative and they assured me that I would not be marked late. I have had trouble with them previously when I had my last XXXX when they reported me late in error and then removed the lateness.
The 2 late payments was removed and then all of a sudden put back on my credit report and I noticed it when I went to apply for a house loan and they stated you have late payments on your credit report. I am very frustrated with this organization and really wish I could turn this car in and not have to deal with them going forward.
I was also discriminated against on a phone call not to recently ago when contacting Toyota the lady was very rude and talked down to me.
As a result of these mistakes one of my credit cards went from a credit limit of XXXX to XXXX. I really need to be compensated for this issues and really wish I did not have to deal with them anymore constant mistakes over and over again. I hope this shines a light on them.
All three credit reporting agencies are reporting the lateness despite my disputes.
They are also reporting my XXXX XXXX when that car has been sold already.
Thanks,
|
| 06/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Toyota sent me a letter XXXX XXXX stating that they would remove negative credit reporting that occurred on my account in XXXX XXXX. I co signed on a car loan with someone and through no fault of my own the payments were late and I was never notified of this serious delinquency, until after the negative credit reporting already occured. Despite Toyota having my phone number and home address, they chose to send me a letter more than 2 months after the account went delinquent, thus not allowing me to speak to the cosigner, or if necessary make the payments myself to get the account current. Toyota gives me this letter, advising that they were removing the marker, but the marker is never removed and on top of that, they then report me XXXX 60 days, despite the letter saying that they were taking off the 30 day and that I had no other negative reporting. I have attempted to resolve this with them to no avail for almost 6 months, and they refuse to do what I have in writing that they said they were going to do. This have severly impacted my credit and I want them to honor what they said they would do in writing. This car loan is almost paid off, and it 's unacceptable that they send me a letter that says this, then refuse to do it.
|
| 05/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
Toyota Motor Credit Corp Account # XXXX Date Reported Open : XX/XX/2014 This letter serves as a dispute pursuant to the Fair Credit Reporting Act ( " FCRA '' ) 15 USC SECTION 1681 et seq.
Toyota reporting bureaus : XXXX, XXXX, and XXXX that I made a late payment on a Auto Loan.
I dispute this derogatory remark due to the fact that I was never late on a payment. The above named company has failed to provide proof of late payment and the amount of the payment.
Toyota has to submit to me proof as to when then monies was received by them from me, and also the amount. Toyota also has to provide the their bank statement which supports any date provided as to what date the monies were received from me and were allegedly late. And also provide the required payment dates and late dates.
1. Toyota has reported and has continued to report such derogatory remarks beyond the statute of limitation to report and continue to report such alleged late payment to the credit bureaus ; 2. Toyota has no permission from me to report any late payment to the credit bureaus without my written or verbal permission. I did not authorize any submission or reporting any alleged late payment to the credit bureaus in violation of FCRA section 604.
|
| 01/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
Good evening my name is XXXX XXXX, XXXX for short. Myself and my lawyer had a dispute against the Toyota XXXX XXXX because they conducted business in an unsavory fashion. Not providing correct documentation. So my lawyer reached out to the XXXX dealership as a courtesy to them and they refused. So my lawyer tried again and they agreed in a legally binding contract to pay the vehicle the XXXX XXXX XXXX payments off in full! Im which I receive a settlement of {$10000.00} and a letter exonerating me of all payments for the XXXX. Later my lawyer and I found out that Toyota Motor Credit still had a balance of {$23000.00} on my credit report. Again the lied and failed to uphold the agreement of the legal contract! Ive have uploaded prof of the documentation to the dispute center. I would like for this to be removed from all three Credit Reports because it is damaging my credit with a negative impact on my credit score and has been and it is not allowing me to acquire certain attributes as a home for my family and I. Ive served in the military for over 15 years now and Ive never experienced such blatant disrespect for a service member. I can only imagine how they conduct business with a civilian!
Very Respectfully, XXXX XXXX
|
| 02/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
On XX/XX/2022 at XXXX I was denied auto loan of {$39000.00} by Toyota XXXX. I requested the salesman for a letter that states the reason my loan was denied, the salesman refused to provide me with the letter. I requested to speak with the salesman manager, the manager refused to show me the letter then I told him I have the right to know the reason for my loan denial. He went back to his office and few minutes later, he came back with a letter stating Insufficient credit history I told the manager that I have had credit for over 2 years and I have been approved for $ 50000.00+ loans before, bought cars before without credit score and with credit score and I now have an excellent credit score. Also, I told them that my current auto loan is with Toyota Financial Sevice so not sure why Toyota would deny my auto loan this time. From the beginning of my visit, the salesman seemed like he had an issue with me not sure why, but he was rude to me. I asked them if I need to get a co-signer and they said no and walked away. I love Toyota and I have always had great experience with Toyota but this time at Toyota XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have a loan with XXXX/Toyota financial. I have had this loan since XX/XX/XXXX. I am XXXX XXXX military and I set up an allotment for this loan. Since XX/XX/XXXX this loan has never been late. I have not stopped the allotment or changed the allotment. The payments have been coming out on time. All of the sudden for the XX/XX/XXXX payment XXXX sent me a text ( no phone call ) XX/XX/XXXX stating that they have not received a payment. I pulled my XXXX and called. I explained to them that this allotment has been ongoing for 5 years and I have not stopped or changed the allotment. On my LES it shows where the allotment came out. The personnel in military sales would not even speak with me. They spoke to me through a representative that put me on hold to contact my finance office. XXXX basically blew me off. Then I called back and asked to speak to a manager I spoke with XXXX agent ID XXXX she said she would look into it. All of this happened XX/XX/XXXX. I still have not heard from XXXX. I called back XXXX XX/XX/XXXX and was told that I could not be transferred to XXXX. I also contacted my finance office and as I already knew they showed me where the payment was sent to XXXX. XXXX has my money and is saying I have not paid.
|
| 09/22/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I sold my vehicle to a XXXX dealership in XXXX, CA on XXXX XXXX 2020. At the time of the transaction, XXXX called Lexus Financial to get a payoff on my lease. The payoff quote was good until XXXX XXXX, 2020. XXXX dealership subsequently paid my lease off on XXXX XXXX, 2020.
On XX/XX/2020 I called Lexus Financial to confirm the lease had been paid in full. Their automated phone system said the account had a balance of {$18000.00} and my account was past due for XXXX XXXX, 2020!!
After being placed on hold for over 20 minutes on two separate occasions and being transferred to three different departments did Lexus Financial confirm my account was indeed paid in full. I asked their resolution department to send me a letter saying it was paid in full. They sent me a letter within minutes, but it said I purchased my vehicle and they were waiting for the funds to clear, neither of which was true.
I called again on XX/XX/XXXX and again on XX/XX/XXXX, only to be placed on excruciating long holds and to get no resolution. Each time I called they ask approximately XXXX questions to " confirm my identity ''? Never have I experienced such exasperating treatment. I can not get anyone at Lexus Financial Services to assist me!
|
| 01/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I am fully aware of my payment history with Toyota financial services. My biggest complaint with this reporting to the CRAs is the fact that I did make a payment in person with cash on XX/XX/2021 that payment is the payment that was in place for the XX/XX/2021 payment. The payment made on XX/XX/2021 was not made on XX/XX/2021 it was received by Toyota XX/XX/XXXX and I am being penalized because the payment wasnt processed by XXXX Toyotas stating that I made a payment on XX/XX/XXXX, I did not make any payment on the XXXX of XXXX. That payment was made on XX/XX/XXXX as there were issues with my bank account. There is nothing in Toyotas terms and conditions that states the process for making a cash payment or payments made outside of XXXX payments. A payment for XXXX was PAID in CASH on XX/XX/XXXX before XXXX XXXX which is my deadline and I provided proof of payment. I am not responsible for processing time from Toyotas payment partners and lack of instructions for those who chose to NOT make payments directly through XXXX. The payment proof is the receipt provide as its postmarked/dated and time stamped with the correct payment date. It took a total of 4 business days to process this payment which I am not liable for.
|
| 09/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
My husband and I had an auto loan with Toyota Financial Services since 2010. It has since been paid in full as of this year. Our credit history with them has been nothing less of perfection up until the last few months of the loan. There were several attempts on our end to make payments electronically as we had been for years. We received letters from Toyota Financial ( 3 of them ) apologizing for not being able to process our payments, even though funds were available. Due to this technical issue, our account became delinquent and recorded at 90 days late. Toyota Financial was able to remove one, but pointed us to the direction of their credit repair department ( whom you can not speak with and can only submit letters to ) Out of desperation, we wrote to them and apologized for the issue, though not being our fault at all, and requested they remove the negative information as my husband is unable to obtain a qualifying job position due to his credit report ( only negative info is from Toyota ) We have been dealing with this for over 3 months now with no resolve. Now, my family is dealing with the financial burdens of my husband being unable to secure a job due to this issue. We have a XXXX month old daughter XXXX.
|
| 09/27/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On XX/XX/XXXX a 30-59 day late payment was posted on my credit report from XXXX XXXX. I have never been 30 days late with any payments I called XXXX to find out where this came from and they could not explain it and you are not allowed to speak to credit dispute department live you can only communicate via writing and I did and they just sent me a letter stating it was correct I have my bank statements and my payment statements and there was no 30 day late anywhere and it did not make sense as of XX/XX/XXXX my actual car payment owed was less than the actual payment it stated that I only owed {$340.00} and my payment is {$360.00} so how could I be 30 days late for the month of XXXX I never received any letters or calls I remotely 30 late with payments I have no late fees for the month of XXXX, XXXX, XXXX my balance is currently XXXX so I would like to know what investigation the 3 credit bureaus did this has gravely affected my credit and I want it removed. Every Time you do a dispute they just say account verified and when you request who they verified it with and what corroborating information did they receive they have no answer I work very hard to maintain my credit and on time payments I want this resolved
|
| 03/07/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
My complaint involves having to pay a personal property tax on my leased vehicle each year. I feel that this is unfair since I drive my leased car for pleasure only. I am retired and do not use the car for any business purposes, now or in the past. I 've been leasing since XX/XX/XXXX and on my third lease from Toyota Financial. I have been told that the tax office of XXXX County or the City of XXXX charges Toyota Financial a personal property tax on leased vehicles and Toyota Financial passes the cost on to each customer. At the start of each lease, I signed a notice that stated the vehicle will not be used for the " production of income or activities that involve the production of income. '' I do n't understand why the tax office charges the tax on a vehicle that is not used for the production of income. The most recent bill is for a XXXX Toyota Avalon which I no longer have. I turned this car in for a XXXX Avalon which I 'm now driving and most likely will have to pay another bill for personal property tax this year also. Since TFS paid the tax on my behalf, I suppose I have no choice but to pay them back. I just feel that this is a consumer ripoff. I appreciate any assistance you may be able to provide. Thanks.
|
| 05/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I voluntarily surrendered my vehicle to XXXX XXXX aka Toyota Finance on or before XXXX 2014. Toyota Finance since then, have been purposely re aging or updating my account monthly destroying my credit score. I disputed this with the credit bureaus on several occasions and Toyota still continues to be the professionals that they are and hold a grudge against me in retaliation for returning a vehicle that I could n't afford. I use different credit monitoring sites and have been watching my scoring activity over the last XXXX months. Well I saw that Toyota Finance reported the account as ok some months and then come back and report my account as being derogatory. They even updated my account as being a joint account. Unless there are XXXX of me, no one else signed any documents besides the scamming sales rep that sold me this vehicle. They ( Toyota finance ) are knowingly doing this to me and probably many other consumers to purposely destroy their customers who are and were going through a bad point of their life. I also learned that there was a deficiency letter that I was suppose to receive after reading forums that I did n't receive I actually had to call in and get this information on my own from Toyota Finance.
|
| 11/27/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I planned on selling my vehicle on the week of XX/XX/XXXX. I shopped around and received different quotes from local dealerships. XXXX XXXX at XXXX offered the highest trade in value. When they ran my payoff account, it was {$24000.00} if paid by XXXX XXXX. I sold my vehicle on XXXX XXXX. Suddenly the payoff amount changed to {$25000.00}. I called Toyota Financial and the lady said that the payoff amount increased to include next months bill. Why would you post a due date for a payoff amount and then change the payoff amount before the previous payoffs due date? The dealership said that they have to follow the new payoff amount but the TFS representative assured me that I would only be charged the {$24000.00} amount because I am paying before the XXXX XXXX due date. The dealership submitted the payoff amount of {$25000.00} on XX/XX/XXXX and I noticed on TFS website it only shows that {$24000.00} posted. I called and TFS is claiming thats the amount the dealership submitted but the dealership is claiming that they were only allowed to submit amount of {$25000.00} and TFS is supposed to write me a check for the overpayment. Its been almost 2 months and TFS has yet to send me a check for the overpayment of {$350.00}
|
| 11/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In the month of XX/XX/XXXX {$3300.00} was auto-payed from my checking account to my XXXX XXXX XXXX XXXX in error without my consent. I consented to only {$200.00} weekly to be auto-payed. XXXX XXXX weekly deducted a total of at least {$400.00} weekly in 2 separate withdraws and in some weeks as much as {$700.00}. I contacted customer service on XX/XX/XXXX to request a refund in the amount of {$2500.00} the amount that exceeds what I consented to be payed. I was told a check in that amount would be mailed to my home address and to allow 7-10 business days. The representative also stated that since a recent update there have been many issues with the mobile app and to no longer utilize it. After canceling all recurring payments, on XXXX {$400.00} more was withdrawn from my account and I was forced to place a stop payment on all further debits from Toyota Financial. On XX/XX/XXXX after never having received the check I called for a 2nd time and was told my refund had never been processed. The representative at that time assured me she would resolve the issue and issue the refund and to allow 7-10 additional business days. As of today XX/XX/XXXX I have not received a refund and have resorted to filing this complaint.
|
| 03/22/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
XX/XX/XXXX, Toyota Financial Services charging {$930.00} after 1 month of end of lease return to dealership.
1 ) At the time of returning the vehicle to dealership, no damages were found after inspection and test drive. The vehicle was returned and a new vehicle was purchased on the same day.
2 ) The dealership did not notify any possible fees on wear and tear as the vehicle was in good condition that they can re-sell.
3 ) Aforementioned procedure was completed on XX/XX/XXXX, and on XX/XX/XXXX Toyota Financial Services charged {$930.00} on previously closed account without any indication on what it was for. We had to call in to find out that they are charging us for wear and tear.
4 ) After 3 attempts to get the file in hand as to what they are charging, the damages they claim to be on us were never present on the vehicle returned, which can only lead to 2 possibilities.
1. The damages were made AFTER the vehicle was returned 2. The damages shown are on a different vehicle There is no logical way to prove that the damages were done by us and thus we dispute this charge, to date, Toyota Financial Services calls us every single day to collect this charge even knowing that we choose to dispute the charge.
|
| 02/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
I messaged Toyota XX/XX/XXXX advising them that I had a XXXX baby and due to unexpected financial expenses and out of pocket medical cost that arose due to this XXXX birth I was going to be late on my payment. The message follows : Hello, I will be submitting a XXXX XXXX dollar payment XX/XX/XXXX. I will be submitting an additional XXXX XX/XX/XXXX. This will cover XX/XX/XXXX payment and XXXX of XX/XX/XXXXpayment with the following XXXX to complete XX/XX/XXXXpayment to be paid XX/XX/XXXX. I have fallen behind because I had a XXXX baby born XX/XX/XXXX and had many out of pocket expenses that I needed to cover after the ordeal. '' I reached out to them again via the secured portal XX/XX/XXXX and they advised me to send all correspondences to XXXX XXXX, IA. There was nothing resolved in my request at this time either. I followed up with a certified letter XX/XX/XXXX, asking that these late fees be waived and again still nothing. I spoke with XXXX an agent at Toyota XX/XX/XXXX and she advised me to dispute with the credit bureaus. That was done and the bureaus directed me back to Toyota who provides the info.
I am asking for the payments reflecting late XX/XX/XXXX and XX/XX/XXXX to be waived and updated. Thanks!
|
| 07/05/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
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Hi there, At the moment to signed the lease with XXXX XXXX City by XX/XX/XXXX - I wanted to make sure there was not hidden fees, reason for which I asked about the other charges for the amount of XXXX $ that appear in the contract to the sales person who explained me that amount will be charge if vehicle shows excessive wear and tear. He explained me that they will have to reconditioned the car in order to sale the vehicle. I believe him and decided to sign the lease. Of course, I also checked online what the term Disposition fee means.
After I received the bill for {$380.00} I spoke with somebody at Toyota and they suggested me to write a letter to Toyota Financial which I did and sent out on XX/XX/XXXX. Today I have been contacted by them saying I have to pay that amount because that amount is a fee that they pay to transfer title to an auction? I do not know why I have to pay a fee to transfer the car to an auction dealer.
My lease ended on XX/XX/XXXX same day I gave back the car and make sure car was completely clean, polish like they supposed to receive it in order to dont get charge that amount. My mileage was law and car was in excellent condition. I am attaching pictures and documents together.
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| 01/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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XX/XX/XXXX, I secured a vehicle loan Toyota Motor Credit a/k/a XXXX XXXX XXXX. ) In XX/XX/XXXX, I became ill and filed for Chapter XXXX relief. My car loan was not a part of the Chapter XXXX Plan. In fact, my plan specifically stated that I would continue to make my monthly payment to Toyota, which i did. Even though I made all payments to Toyota and did not default on the terms of the loan, Toyota/XXXX reported my " account '' as " part of chapter XXXX bankruptcy '' -- so it shows up as a derogatory account. I disputed this error with XXXX XXXX and they were unsuccessful - Toyota refused to fix their error.
I called XXXX XXXX XXXX directly ( on three-way conference call ) with my bankruptcy attorney and we both explained to at least 5 different people that they were reporting my account inaccurately and sent a copy of my Chapter XXXX plan showing that my car loan was not included in the plan. They acknowledged that " while my loan with XXXX/Toyota was not a part of the plan and even though i was making payment, they were required to report as part of the bankruptcy. '' I paid off the full loan amount including interest ( prior to the contract end date of XX/XX/XXXX ) and it still shows up as derogatory.
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| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/2023, I emailed XXXX XXXX with Lexus XXXX XXXXXXXX XXXX XXXX XXXX regarding a second unauthorized credit inquiry on my credit report, conducted in XX/XX/2023. In addition to this I also contacted the office via phone the same day to discuss the problem. The representative i was transferred to acknowledged an IT issue on their end as the cause and requested that I send copies of the credit report to XXXX, assuring me that the matter would be resolved after discussion with their IT department. However, after following up 30 days later, no action had been taken by Lexus. In my pursuit of a resolution, I contacted the XXXX XXXX, XXXX XXXX, via email and phone on XX/XX/2023, who promised to address the issue. Despite providing XXXX XXXX XXXX with all necessary information on that day, the problem persisted without a timely resolution. As of XX/XX/2023, XXXX XXXX XXXX claims that a second credit check was never conducted, contradicting evidence from all three credit agencies. Given the adverse impact on my credit score, affecting my financial well-being and impeding my ability to secure credit, I am left with no choice but to take legal action against Lexus of XXXX for the unauthorized credit inquiry.
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| 09/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American, Servicemember |
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Chapter XXXX bankruptcy discharged over one year ago, but Toyota Motor Company refuses to report perfect payment history. Claiming I, my attorney & Trustee failed to reaffirm loan in time to avoid EVER allowing me to have post bankruptcy status. Toyota 's representative said I have no legal protection from repossession upon 30 days late, stating they can break into my garage to repo a vehicle with perfect record since purchase date- I don't get more than 30 days & NO notices. Also stated I will never be allowed auto pay, or access/use of phone app to make payments! Most importantly, all credit bureaus show NO PAYMENTS since XXXX of XXXX while loan is showing open.
I did everything ordered by court- it's not my position to know more than my attorney & the Trustee. I was told to make timely payments & I have a perfect record. I have been denied new credit three times, all separate attempts to gain credit, but each refused due to Toyota Motor Credit failure to report accurate info on my loan payments. My attorney advised that I dispute credit reports & I have, with no result. He advised I try to speak to them again, but I was threatened with repossession again. So I was advised to make a complaint to you.
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| 03/21/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I was NOT informed of my Right to Rescission. So I was paying my bills and then learned that I could endorse them with the money order sent through the money order instrument that they call the " statement '' They sent me a bill every month on the XXXX. I sent my endorsement XXXX XXXX. 2022 and they received it per certified mail XX/XX/2022 for the amount of {XXXX}, with an affidavit of truth.
They chose not to accept my this form of tender even though I told them that per UCC 3-603/3-111 that I accepted their offer in the amount given and then the next payment, they denied my tender even though I put " without recourse ''.
I have now sent them my right to rescind and an affidavit of truth, notarized, and have demanded that they give me back what I gave them when I opened up a consumer credit transaction and they took XXXX from my consumer credit account. They also gladly took a down payment of my car and gave me {XXXX} " cash '' which I have also asked for that back. I sent the right of rescission letter XX/XX/2022 and have given TOYOTA MOTOR CREDIT CORPORATION 20 days from when they receive my letter, to send me a check or it will result in civil liability for fraud Pursuant to XXXX5 U.S Code 1640.
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| 12/08/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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XXXX XXXX, XXXX I received a call from XXXX XXXX at XXXX XXXX. However, I was traveling that day to XXXX, Hawaii. I did not receive the message until XXXX XXXX Hawaii time ( 3 hour time difference ) They had advised me that if I did not call by XXXX XXXX ( MT ) that my payment would be late ( 30 days ). This was a complete oversight for not making the payment in time as I had thought I made the payment. I immediately made the payment via online that very day. I checked the website again the next day, XXXX XXXX, XXXX and the payment did not post so therefore I made another payment. I ended up calling XXXX to make sure they received my payment as they advised me that there was two payments of {$820.00}. She said I should cancel one as they did in fact receive the first payment. XXXX still marked me as a 30 day late. I have had an account with them for 5 years and have never been late. I asked if they would make a one time exception for remove the 30 day late given the circumstances but they did not. This greatly effects my credit and the ability to get another car. I would like to keep my account with XXXX but if this does not get handled then I will not be a customer again come the end of my lease term.
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| 12/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Older American |
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Toyota Financial Services does not want to remove their derogatory information to the credit bureau although per my telephone conversation, they will not report me for being late because it is not fault. Monthly they draft my account. I called Toyota Financial Services that I am going to close my bank so they have to charge my new bank account, this was XXXX XXXX, 2016 and also fax them an instruction on XXXX XXXX. They sent me their own form and I fax it on the XXXX of XXXX. I was surprised when I received a past due notice and called them right away. They say they will charge my account for two months without late charges and will not report me to credit bureau. But to my surprise, they reported me to credit bureau for one month late. I gave them more than 30 days notice, by telephone, XXXX XXXX and by letter, XXXX XXXX. I wrote to them but denied my request to reverse their derogatory remark. I was not at fault, it is their negligence, why should I be penalize?
They admitted I was not at fault by not charging me late fee. Day one I never missed any payment because it is always drafted from my bank account.
I highly believe that this bureau is my last resort to listen to my complaint.
Thank you.
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| 09/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I gave back a Lexus to Lexus ( Toyota Motor Corp ) in XX/XX/XXXX. Lexus closed the account formally in XX/XX/XXXX and told me they were writing the car off, and said I didn't owe them anything. They said the debt that was written off may be sold to a third party but I had no obligation to them. No one ever contacted me regarding this.
In XX/XX/XXXX, I was buying a home and disputed the presence of this closed debt with Toyota Motor Corporation with approx. $ XXXX balance. Lexus apparently REOPENED the account at that time and turned it active! XXXX dropped my credit score 123 points and started reporting late payments for an account that had been closed almost 6 years.
I called Lexus, and they apologized for their mistake and immediately closed the account. XXXX and XXXX immediately restored my credit score. However, XXXX continues to this day to report missed payments on this CLOSED account. I never once missed a payment on this vehicle. I negotiated with Lexus to give the car back for sale in XXXX.
I need Lexus to restore the original official account closing date ( XX/XX/XXXX ) and remove any reports of missed payments on this account. Also, I need XXXX to restore my credit score of XXXX.
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| 01/31/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Company received payment in amount of {$3000.00} from warranty cancellation. This was applied to payments. Loan was rolled to being due for XX/XX/2017. The payment was then reversed and applied to principal. When the payment was reversed, my loan was put into a delinquent status for 2 months. A customer service member told me as a courtesy to me, they would take 2 payments out of the {$3000.00} payment that was applied to principal to my loan to bring me current. They never did so. When I called back to speak to a manager, he informed me I was given wrong information, even though he admitted they told me that, and that there was nothing they could do. My loan is now 2 payments delinquent and they have been reporting not only negatively on my credit, but my co-borrower. This is very unfair lending and false promises with unrealistic expectations. They told me they were going to do something so they should honor their word. This is not harming the company at all as they still would be receiving the same amount of money in either situation. This situation is putting undue hardship on myself as well as causing long term impacts to my credit and my co-borrowers credit for something we did not cause.
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| 04/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX reported an inaccurate XXXX late payment on my XXXX Credit file/report. After the initial investigation, they are still reporting this XXXX late payment on my credit file/report, which should not be there. XXXX have fixed the issue and XXXX have fixed the issue, but XXXX refuse to update my credit file and remove that inaccurate XXXX late payment that they put there in error. I have contacted the Toyota Motor Credit, which is also the financing for Lexus XXXX, and they have told me that they did not report any late payment to the credit bureaus. In their system, it shows that they did not report it, and in their systems, it shows pays as agreed, never having a XXXX or XXXX late payment. They told me that it was a system error on the credit bureau 's end, which needs to be updated and cleared up. I need for this to be corrected because this XXXX late payment is negatively affecting my credit rating with XXXX and I am very upset about this matter. Please have XXXX remove this XXXX late payment immediately. My next steps will be taking XXXX to court and filing a lawsuit, seeking damages for negatively affecting my credit rating and for violating The Fair Credit Reporting Act, 15 U.S.C. 1681.
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| 04/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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Since XX/XX/2018, my credit score has been wrongfully dropping every single month due to the wrong information on my Toyota loan. Toyota has been filing a delinquent account when I have been paying on time every single month. I have called them numerous times to fix the issue, and they said that there is no reason why my credit score shows that it is delinquent when it is not. I have disputed these incorrect claims every single month, as it is resolved after my dispute, but then incorrectly claimed as delinquent again after a couple of weeks. I have been given the runaround and feel that enough is enough. My wife and I are in the process of purchasing a house, and these incorrect claims have been hindering our chances of attaining a loan, which has become extremely frustrating and unfair. As a military member in the United States XXXX XXXX, this also becomes a huge ordeal because of the effects it has on my credit score that could ultimately jeopardize my security clearance. Please assist me in these incorrect and wrongful claims so that my wife and I could finally give our daughter the house we worked so hard to finally purchase. Thank you so much for your assistance, time and consideration.
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| 01/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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An affidavit of Billing Error Notice was mailed to XXXX XXXX XXXX but they didn't respond back.
The account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud.
CONSUMER PROTECTION LAWS and U.S. CODE VIOLATIONS : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z.
Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.
Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.
CFPB 1026.23 Right of Rescission ( cancellation ).
A note is only a promise to pay and not payment ( Fidelity Savings Bank v Grimes, 131 P 2d 894 ).
15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as Transunion, Experian, and Equifax.
18 USC 112/ 5th Amendment - Depriving my liberty as a National of the United States of America ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process of law and/or without my consent.
42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.
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| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I leased a car through Toyota financials and set up my account on auto pay when I received my first bill in XXXX of 2023 like I do for all bills.
However it appears when I selected my payment date that the system allowed me to select a date that would place me past due. Apparently the bill was due on the XXXX of every month and I set up auto pay on the XXXX of every month. There was no trigger about being late and I did not think through it as this was my first bill. I expected the system to adjust and warn me accordingly just like my other autopay systems do.
However it appears I was charged a late fee consecutively even though I had set up auto pay and when I called a company for an explanation they said that they are not technical and they don't understand why it was done the way it was. They said I chose the payment date and they don't control if it's past due. However keep in mind the most systems when you set up auto pay warn of such things. Allowing the system to set up auto pay dates without warning of being late is predatory.
I am asking for a review of my account and the controls in place of letting you be past due when setting up auto pay and for refund on the late fees.
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| 03/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Contacted Toyota Finacial Services ( TFS ) on XXXX for a payment deferral. Response received from TFS stating deferral was approved and to call customer service to notify of preferred delivery method. Contacted customer service as insteucted and they did not even know that it was aproved. After being transferred at leadt 3 times to different agents, I was told to wait 48-72 hours and that document could not be completed electronically neither signed electronically. I requested to speak with Supervisor and was told that there was no Supervisor available. On XXXX I reveived a message from TFS stating the only received 1 page of the deferral and not the one with my signature. Once again, I called customer service and was transferred to 2 different agents that neither was able to help. XXXX ( agent ) was unable to locate my account using first and lasy name. As of today, XXXX, my deferral has not been applied to my account despite submitting executed document electronically and via fax on XX/XX/. It has been a horrible experience and very frustrating because it feels like customer service agents from TFS dont care or are not willing to resolve my matter in a timely fashion.
XXXX XXXX XXXX
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| 04/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XX/XX/XXXX of 2012, I went to purchase a XXXX vehicle from the dealership. I had saved up {$10000.00} to make a down payment on the car. The cost of the car was XXXX as advertised online at the time, on the XXXX dealerships website. When I went to purchase the vehicle, I was told that I would need a loan in order to complete the purchase. The dealer set me up with the finance department, and they proceeded to check my credit with XXXX. XXXX denied me for the loan, so the next step was XXXX running my credit thru the Toyota Finance department. I was immediately approved, especially after they knew that I had a substantial deposit amount. The dealership then proceeded draft up a contract. I ended up Financing the car from the dealership. I believe that I was mislead in the pricing and over charged on the interest rate. This lead to me paying double the price for a used vehicle. My initial down payment was absorbed by the company, and When interest was factored in, I would be paying the listing price. I believe that my down payment was pocketed and then the dealers calculated a rate that would end up making me pay the listed price through interest even though I had made a down payment.
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| 06/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
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I went to the dealership I just turned XXXX, I had a XXXX XXXX XXXX, that I was trading as well as XXXX bucks as a down payment, and I had a co signer : ) all went well, I signed the papers had a monthly payment, I moved, I got a job, waited 2 months never got a first payment? I was waiting, they called me said that I need to bring the car back because they werent able to secure the loan or they are going to call it in as stolen. I brought the car back that same weekend. It took them XXXX months to send the XXXX dollars back, and but it is now XXXX almost, and I havent received the car I traded in back, i have talked to managers. Ive talked to the owner of the dealership, the financial guy, the car sales man. They said they had my car, I went up there to get my car 4 months later since giving the car back. Drove XXXX miles, and I called them and let them know I was in town to get the car, they said we need to find the car and we will give you a call back, I never got a call back. Never a text. They didnt reach out again. I looked at my credit report. They shot my credit report out and did XXXX inquires on my credit. They shotgunned it and made it XXXX near impossible to get anything.
|
| 09/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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We started our lease with Toyota Financial Services in XX/XX/XXXX on a XX/XX/XXXX XXXX XXXX. Initially, their promotion was that Toyota will make our first payment, so when the payment invoice for XX/XX/XXXX showed up, we contacted Toyota to make sure they would make the first payment. Toyota claimed that they already made the first payment when we took delivery of the vehicle in late XX/XX/XXXX, but no record exists of them making any payment. Our recent credit report shows our payments over 30 days old, which is not true. We printed off the entire payment history and none of our payments have been over 30 days late. We discussed that with Toyota Financial Services XXXX they have documented comments XXXX and they reversed a {$34.00} Late Fee and agreed to update our payment history to show NO delinquent ( over 30 days XXXX payments. That has not happened yet. Our normal payment date is the XX/XX/XXXX and payments started XX/XX/XXXX ( assuming Toyota made the first payment in XX/XX/XXXX ). We want our payment history to be clear with no late payments over 30 days with Toyota as they promised during our phone conversation XX/XX/XXXX. Can you help us correct this with Toyota? Thank you.
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| 11/08/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Repossession
- Deficiency balance after repossession
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Web |
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I have asked for validation of this debt and did not receive the original contract and statements I requested. I also requested a 1099 for the charged-off amount which I did not receive. Toyota Motor Credit is furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681 s2 states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I sent them a letter certified mail that this account was being reported inaccurately and they failed to provide me with the original contracts I requested. I have attached a screenshot showing that they are reporting inaccurate information across all 3 credit reporting agencies. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. They have caused me and my family severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account ( s ) from my Consumer Report.
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| 06/30/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
|
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I became a victim of an identity theft at one of the Authorized Lexus dealerships ( Lexus XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ). Unfortunately, neither claim to the Lexus Fraud Department, nor Police report I filed, helped me to resolve the situation.
I found out that my former business partner forged my signature under the car lease agreement and put me as a co-signer for his car. Since we were in business together, he had the copies of my SSN and my driver 's license.
He stopped making payments and in XX/XX/2019 I received a letter from Lexus, stating that I was financially responsible for such payments. I requested a Lease Agreement from Lexus and found my signature being forged.
I was told by Lexus Fraud Department representative that due to the fact, that this deal was closed through some third party broker and the dealership had nothing to do with it, they couldn't further investigate this matter. The same they told to the police and the case was closed.
I never agreed to be financially responsible for this car, I never provided Lexus with the originals of my documents, I never went to the dealership or met with a broker and I never signed this lease agreement.
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| 09/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I am asking that the 30 day late negative placed on my credit report by Toyota Financial Services be removed. When I received my first bill ( TFS Account : XXXX ), I paid my bill online and setup autopay to ensure that a timely payment was delivered. For whatever reason, XXXX website did not process my payment. Upon learning that my payment did not go through, I tried to pay my bill online through XXXX website XXXX more times before I gave up and started paying though my XXXX Bank bill pay. I have since setup automatic payments through XXXX and have had no issues thus far. Attached are files showing my attempted payments as well as my banking statements showing ending daily balances. There is no reason the payment should not have been processed.
I take great pride in my credit history and ability to repay my obligations. As you can see from my attached credit report, I have no other occurrences of bills not being pay on time. Further, in this example I made multiple attempts to use the XXXX provided service to pay my bill only to be rejected. Given this is my first time purchasing a XXXX and using Toyota financial services, I am extremely disappointed to be writing this letter.
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| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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I had a credit with Toyota Financial Services where all the payments were automatically discounted from my bank account. All the payments were discounted from my account every XXXX of every month, Including XX/XX/XXXX for an amount of {$470.00}. On XX/XX/XXXX I went to the XXXX dealer to change my car and they specifically asked me to not pay the XXXX payment because they will do a new contract and account for my new car. I kept receiving calls from Toyota Financial services even in XXXX, so I paid on XX/XX/XXXX the amount of {$470.00}. Not even 30 days after my billing day in XXXX. Even after I paid I kept receiving calls from Toyota Financial Services and I found out that they didn't record my XX/XX/XXXX payment, even when they discounted automatically from my account. They never recorded that payment and that's why they thought I was late in XXXX, even when I paid before the XXXX that I was supposed to. My last payment was on XX/XX/XXXX, and XX/XX/XXXX. My billing day was XXXX XXXX and I pay only 22 days later because Toyota specifically told me to not pay. Either way, I made the payment and it wasn't late. I know that I have 30 days to pay and then I will receive a warning.
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| 10/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I have continuously spent time and money writing to XXXX and the other bureaus regarding a Toyota account that was listing incorrect information on my credit report. I had insurance on this lease car ... In NY you cant have a new car without full coverage. I had an accident and this car was totaled and covered by the insurance company ( attached ) .. I noticed my credit report was reflecting this Toyota account incorrectly and I addressed both Toyota and the bureaus regarding this incorrect account. After several months and several written requests, Toyota AND XXXX responded this account is listed 100 % accurate, complete, and verifiable as per FCRA law. Today, several months later, Toyota changes their reporting and send different data to the bureaus. Either they never performed the original investigation, OR they are in violation of 1681i of the FCRA and both Toyota And the credit bureaus are liable in court. I am filing a complaint with my state attorney general and XXXX regarding this issue. If this isnt DELETED in 15 days, I will pursue my legal rights and finalize my FCRA attorney retainer agreement. I have all my written correspondence and the bureaus correspondence.
|
| 05/05/2017 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
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Web |
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I am disputing this d ebt collection fr om Toyota Finance Corp for t he following reasons : On XXXX 2013 I lost my job, I fell behind in my payments and notified toyota that I could no longer pay the agreed upon pa yments. I asked if we could work something out and get into a program, I wanted to pay as much as I could until I got another job. I ended up owing them 3 months of payments about 1200.00. They refused to negotiate with me and repossed the car. They added on XXXX for the repossession and then started adding on additional chargesto sell the car and transport it to another state. I have no record of these charges. The XXXX I owed them became {$4700.00}, they kept adding on charges and interest. I could have had the car almost paid off by now. This was unnecessary on their part, they have ruined my credit f or four y ears and I have tried to come to an arrangement with them. They treated me completely unfairly. They want {$4700.00}, for a car they took from me when I only owed around {$1200.00} originally. That is completely unfair, they have the car and they unjustly charged me. I just want to settle this dispute so it can be removed from my credit rating.
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| 09/08/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
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Creditor is clearly breaking the law by noncompliance or responses after stating the account was disputed XX/XX/XXXX. Creditor has failed to provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. I informed the creditor that if no proof is provided within 14 days from the receipt of this notice the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. This creditor has failed to provide the proper legal documents and is well beyond the allowed XXXX notice to show such documents, given by the FDCPA. I demand the creditor remove the invalid claim from my credit report immediately or I would like to consider to begin litigation immediately. XXXX PA XXXX and state R ISA and MVISA STATUES THE DEFICIENCY CAN NOT BE CLAIMED UNLESS ALL OF THR REQUIRED notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. creditor has failed and his now 90 days with no response delete immediately .THANK YOU
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| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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A XXXX U.S. citizen fighting for his right to privacy. I have never given my consent in writing or otherwise for my personal nonpublic information to be made public with any company or institution.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
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| 10/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX I scheduled a payment to XXXX XXXX XXXX. The payment returned due to reasons beyond my control. I called XXXX to recover the payment via debit card in which they would not accept. A rep even advised me XXXX or Toyota Motor Credit were going to run my check again so therefore I did not have to schedule a payment to avoid having a duplicate payment. I called my bank to confirm XXXX only attempted the payment once and XXXX did. I assumed XXXX was going to run the payment again that day or the following day since I was told they were going to by a XXXX XXXX rep. I diligently called XXXX to get this payment recovered before the payment reversed in their system. I received conflicting information about their attempts and process. The information they provided was very misleading and deceptive which prevented me from recovering my payment in time to stop the reporting of the delinquency. I 've always made my payments on time including this one time. They allowed me to make a double payment the following day after they determined they were not going to make that attempt again. So now my credit is ruined because of their negligence and inconsistent information.
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| 01/09/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Shopping for a loan or lease
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Web |
Older American |
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I leased a Toyota XXXX in 2012, XX/XX/XXXXI made payments every monthe. In about XXXX of 2012 They lost a cashier check for {$600.00}. This check remained missing until just under XXXX dos they cashed the ck. They however have carried me a a late payee ever since that date with an acruing act and a negative credit score. I hired an atty to pursue this to resolution,, but they continued to refute the payment. I have not received a statement from them for over a yer. I have continued to make my payment of $ XXXX each mo and inclose a note reqauesting a statement. I di get a hold of someone before XXXX of last yr and he said he would get back to me immediately. I have heard nothing. My else is ending next month and I acannot obtain credit to obtain another car with this on my record.I have all the receipts and the return receipts for the mail sent to them. They will not even reslpond to my attys calls or mine. ''they do not even answer my calls. I would like to resolve this matter This company has not made any effort to clear this matter up..It is like they are getting even with me more challenging their bookkeeping.
XXXX XXXX XXXX XXXX, XXXX. My email is XXXXXXXXXXXX
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| 04/14/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I leased a vehicle from Toyota Financial and returned it. I went to great lengths there would be no surprise fees associated with the return of the vehicle. Today I was contacted by a collection agent attempting to collect on Toyota Financial 's behalf over a {$510.00} fee associated with the lease return.
Toyota Financial has had my phone number and email address since the inception of the lease. They made no attempt to contact me about this fee via those mediums. They claim to have sent a letter to an address of a rental property I own but no renter has ever reported having received mail addressed to me.
I told Toyota Financial if the fees are legitimate I have no problem paying them but would like them to remove the collection from my credit report since I made every reasonable effort to ensure there would be no such " hidden '' or " surprise fee ''. They insisted they could n't remove the collection from my record because they would n't be in compliance with the CFPB.
My desired outcome is to have Toyota Financial remove the collection from my record. I 'm willing to pay the fees if they can provide me a statement indicating the legitimacy of the charges.
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| 01/16/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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Back in XXXX of XX/XX/XXXX, I had so many problems with XXXX XXXX XXXX XXXX XXXX losing paperwork and processing my car loan that I decided to cancel the loan. I was told by XXXX XXXX that they would stop the loan on their end. I called for the next two days to confirm the cancellation of the loan with both XXXX and XXXX XXXX. Within a couple of days, XXXX XXXX XXXX XXXX XXXX processed the loan. I had to accept the loan. A week or so later, I was contact by XXXX XXXX XXXX XXXX XXXX and they stated that they made a mistake processing the loan and that I had to pay additional money for taxes. I submitted a complaint to the Consumer Financial Protection Bureau ( complaint # XXXX ), and XXXX XXXX agreed to remedy the situation by paying the taxes. Now XXXX is contacting me to pay the taxes again. My account number with XXXX is XXXX. I called in today ( XX/XX/XXXX ) and waited 22 minutes on the phone to speak to a supervisor and then the call was disconnected. XXXX sent me a notice dated XX/XX/XXXX stating that I had to pay {$300.00} within 15 days threatening to send the remaining amount to a collection agency. I received the letter in early XXXX due to the holidays.
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| 12/07/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Last year in XXXX, I was car jacked by two XXXX men at a gas station in XXXX XXXX, Illinois. My car was stolen. I immediately called XXXX and they tracked the suspects down in a forced stop. My car was totaled. However, once my car was retrieved. XXXX XXXX , XXXX in XXXX XXXX was not very nice to me. They would not let me get my things out the car or even look at the damages. Earlier that year about a month before my car needed repairs. I purchased my car at Toyota in XXXX Indiana and the Manager lied against me and would not make the necessary repairs to my car before I was car jacked. Toyota collected my car with out my knowledge after the car jacking, repaired the damages to the vehicle from the force stop and sold it to another buyer. Toyota said I voluntarily surrendered my car back to them. I did not surrender my car. I never had a conversation with Toyota or the collection agency XXXX XXXX , XXXX. Unfortunately, I had a bad year in XXXX and XXXX. I could not contact anyone because I was XXXX and XXXX for 1yr. I do not owe this debt or remaining balance that is owed on this car. It's a XXXX Toyota XXXX. The suspects are currently in XXXX and awaiting XXXX.
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| 05/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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To Whom it May Concern ; I filed a Chapter XXXX in XX/XX/XXXX. I had purchased a 2010 XXXX XXXX, through Toyota Financial Services. I kept the XXXX, and the bankruptcy court paid the truck off in full. I have all the documents from my attorney supporting this. When they paid the last payment, the title was sent to my attorney, and when the bankruptcy was discharged, I received my title. The problem is Toyota Financial Service filed this with XXXX, and will not get it corrected. We sent them a certified letter on XX/XX/XXXX, explaining we felt that this was a violation with the FCRA. They responded on XX/XX/XXXX, with their records are correct, and they are reporting to the agency in a manner that is consistent with their records. I'm going to attach all the documents to this letter, so you will see what we are up against. There has even numerous disputes filed, due to we hired XXXX XXXX to help us with this. We are now trying to also handle this, by doing what we can to get this corrected, along with XXXX XXXX. Everything has been cleared from our credit report, except something that was paid in full, our truck through Toyota Financial Services.
Kind regards,
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| 04/04/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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XXXX of XXXX XXXX General Manger XXXX XXXX & XXXX XXXX service manger called me XXXX ON SEVERAL OCCASIONS AFTER I TRADED in my XXXX XXXX. I called XXXX XXXX my service advisor in reference to the XXXX XXXX XXXX XXXX key being stolen by my landlord. I paid {$370.00}. I have no receipt. XXXX XXXX was in the showroom my sales consultant when I was called a XXXX. I took XXXX XXXX police & XXXX told me I was not allowed in there. I had XXXX tow my XXXX XXXX back after My transmission brakes everything went on XX/XX/XXXX. My account number with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIN XXXX. On XX/XX/XXXX XXXX XXXX stayed they were selling my car. I gave both keys to the XXXX XXXX police dept on camera in XXXX. How can I still be liable 4 a lemon I returned where I purchased it from. Im not being charged off on my credit by XXXX XXXX XXXX. I contacted The XXXX XXXX AND MADE 7 complaints. I received nothing in writing. XXXX XXXX XXXX XXXX ACCT XXXX stated involuntary repossessed date of last pymy XX/XX/XXXX. I DIDNT HAVE THE CAR XX/XX/XXXX til XX/XX/XXXX. XXXX XXXX refuses to give me my car. I had XXXX tow it back to them through XXXX XXXX ( XXXX ) XXXX XXXX
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| 04/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I am needing to get a duplicate title from the State of Iowa in order to register my vehicle in Kansas. The original title was sent to me from Toyota of XXXX XXXX but was lost in transit. I was told the the lien holder Toyota Financial Services was required to send in a request for duplicate title. I contacted them on XX/XX/XXXX to request the duplicate title and was told the the request was put in, and would take about 2 weeks for them to get the duplicate title back and then they would send it to me or the DMV. I have since called them on XX/XX/XXXXandXX/XX/XXXX checking on the status each time they have told me that they have not received the title from the State of Iowa yet. So today on XX/XX/XXXX I called the XXXX County Treasurers Office who the request would be sent to and was informed the a request for the duplicate title was never received, and it is only a 1 day processing time to get that duplicate title sent back out. When I called back to talk to Toyota Financial Services the resolution specialist then told me it would be 4-6 weeks for them to send out the request. I dont have 4-6 weeks, the vehicle I purchase needs to be registered by XX/XX/XXXX.
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| 12/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My credit was spotless until I cosigned a new car loan for my son this Summer. I insisted that the lender, Toyota Financial Services. must notify me if a payment is ever late PRIOR to negative impact ( ie, 30 days past due ) .. The lender agreed according to the dealership salesperson.
One day, I received a voicemail message from a Toyota collector. My son had let a payment go past due. I finally managed to gain access to the portal online by threatening my son. I called Toyata and spoke to a lady who told me I can not do anything about notification or account access. She further explained there was nothing she could do to remove the negative information from my credit reports. I then asked her if she could put on my account to call me if the loan was ever late again and she said she COULD NOT!!! She could only notify me once it went past 30 days. So how am I responsible and get negative hits if I can not access the loan or demand to be notified?
( I also think the message I was left by Toyota is very vague and impossible to understand. I literally can not understand the call back number the caller left me. I have uploaded the recorded voicemail she left. )
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| 07/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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i plead with you to please reconsider your decision, if you cant temporary suppress or remove it ... then can you at least guarantee ; that if i find a way to pay this account in full before hand that you'll remove or suppress the trade-line from the 4 CRAs you report to.. its not like your guys havent already wrote this debt off for tax purposes. we have to come to some sort of arrangement. i honesty dont care how long it takes, i will continue to dispute this matter until XX/XX/2023 if thats what it takes.. the car has already been repoed and sold.. please i know theres somebody on the other side of this message who can work with me.. Again please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. and again I believe it serves both of our interests. You want my money, and I want to give it to you so I can fix my credit and help my mom out. Please. Your kind consideration in this matter is greatly appreciated.
Best Regards XXXX XXXX XXXX
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| 12/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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The weekend of XX/XX/2022 someone went and got a vehicle in my name. The loan they got was thru Toyota Motor Credit. Upon checking my credit a week later I notices a ton of inquiries on my report and a loan from Toyota Motor Credit in the amount of {$39000.00} the account number is XXXX... This is not mine I did not purchases a car, I have been fighting with toyato over this for months now. I file a police report and sent it to Toyota .I have spoke with several people at Toyota and each time it a different outcome.In XXXX I spoke with them and they said that the investigation was in process and that they sent a request to the credit bureaus to be remove. Monday XX/XX/2022 I call toyota again after seeing that it is still appearing on my credit report. When I talk to them they told that they cant prove if it mine or if it was fraud,, This is total XXXX. Now there is XXXX late payments on my credit that is effecting my score. I have sent in everything proving this wasnt me and all the calls to them and im getting no where with them.. I need your help in resolving this matter. I should not have to go thru all this just because I was a victim of identity theft.
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| 03/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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Dear XXXX.
In XXXX of 2017 I was hospitalized and asked my spouse to make my Toyota Motor Credit payment for me. My wife 's English is not so good and we do not have children or other people that help us. So she called Toyota Motor and made a payment for the XXXX account which is less than our Toyota Motor account payment. The payment was received by Toyota Motor Credit for less and I was reported late on the payment for that month.
I wrote a letter to Toyota Motor Credit with explanation as what had happened but they refused to correct it as they complied with Fair Credit Reporting Act.
My point is why they should agree to a partial payment when that is not the amount due. Had the system rejected the payment we would have known that there was a problem with the payment. But they gladly took a {$100.00} less payment and reported me late on the XXXX payment. I think that is not fair as they collected the payment, a partial payment must not be accepted and their system should somehow say that payment was not satisfied or a letter should have followed that only a partial payment was received and that the payment made did not cover that month 's payment due.
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| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have an account listed on my credit as Toyota Motor Credit with a reported balance of {$310.00}. I was in a severe hit and run car accident that hospitalized me and totaled my car back in 2017. At the time of the accident I did have Gap insurance that covered the total cost of the car loan of {$17000.00}. As of today on my credit there is still a reflecting balance of {$310.00}. I have reached out to Toyota Motor Credit on numerous occasions of an explanation of how I still owe {$310.00}, I can never get to a representative and the few times I did get a hold of someone I constantly get transferred and everyone that I am transferred to says they don't see a balance and this account was closed however this is still showing on my credit report. but the GAP insurance sent this company a check. There should be no balance left on the loan because this is paid. I did everything on my end with the GAP insurance company after I got from the hospital to get this vehicle paid in full. I am asking the company of Toyota to fix this on my credit report as paid in full. I want to go back to toyota to purchase a vehicle but this {$310.00} balance is hindering this.
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| 10/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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My credit reporting agency, transunion, reported to me that a late payment was reported from you. Also, this month, XXXX, despite my automatic payment, I was charged {$5.00} for a late payment. Please remove this late charge immediately. My payment was NOT late. In addition, send me a copy of the so called policy change that you said I agreed to -- I have NO record of any change and of agreeing to this change. I need a hard copy of the change. In the future, you must notify the customer if FOR ANY reason you cancel an automatic payment. Agreeing to a policy change that does not explicitly detail that it includes cancelling an automatic payment is deception. If you want me to buy my next car or my son 's car at XXXX you must treat the customer respectfully and fully inform them of any payment change or policy change. Such a change should not be a quick click to gain entrance to a site. That is deception and manipulation. Please remove late fee immediately and adjust your policies to more appropriately inform customers of any change, such as a payment change. If you do not, you will lose me and others as a customer. Sincerely, XXXX XXXX XXXX, XXXX XXXX
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| 11/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Older American |
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On XX/XX/2018 a XXXX XXXX XXXX XXXX was purchased by me at XXXX XXXX in XXXX MA.
On XX/XX/2018 I read the entire purchase contract & realized that there was an item on the contract that I was not made aware of, or agreed to purchase. The item is XXXX XXXX & the amount is {$1100.00}. The whole amount is taxable. I expected that I could correct this oversite with the dealer so I attempted to do so on XX/XX/2018. I went to XXXX XXXX in XXXX MA to discuss this item with the sales manager who then transferred me to the finance consultant. After stating my position of " nondisclosure '' of the XXXX XXXX charge to my contract, the financial consultant admitted that he had " packaged '' the XXXX XXXX item along with an Extended Service Warranty in order to provide me a discount on the Extended Warranty. However, on XX/XX/18 he told me that the discount for the extended warranty was because I had an XXXX membership & he said nothing about " adding on '' the purchase of XXXX XXXX in order to discount the extended warranty. His parting words to me were, " you signed the contract ''. The company has made no attempt to correct this unscrupulous sales practice.
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| 02/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Hello my name is XXXX XXXX, I've brought XXXX XXXXXXXX XXXX brand new for XXXX Toyota and was financed through Toyota motor credit I traded in a car so the contract not making since how is the car was worth 42000 how my trade in was 7000 plus 3500 down and the car value was at XXXX its not making since that's the first complaint i contacted Toyota motor credit several times and keep getting the a ] run around my second complaint was when I tried to refinance the vehicle capital one been getting the run around from Toyota motor credit customer service not getting the payoff amount neither the apr that was financed through Toyota motor credit ask to speak to supervisor they are supposed to call back but no has called me back dealing with the major issue i have with this loan from Toyota things need to get resolved ASAP or I will consult in a legal team with the contract and other problems i have with this financed company, And third they are reporting to credit bureau one amount but mailing another amount for the outstanding loan i need clarification and Toyota or the dealership didn't obey the consumer laws in the contract so it needs to be abolished
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| 01/27/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Problems when you are unable to pay
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Web |
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My car was almost in repo from Toyota financial. I talked to a supervisor and he agreed if paid 1 month XXXXto would come out of repo and I could pay the next month at a later date to get it caught up. I ended up paying 2 months through their automated system with a checking account. They can see the payment was set to go through on the XXXX but it came back as u sufficient funds. I need up putting in the routing number, account number but added the check number not realizing your not suppose to put the cHeck number as well. I have the money to catch up the car but they repoed the car today at XXXX. Beyond never told me the payment did n't go through or there was an error.. they refuse to let me pay the car to date and get it back. They want the car in full. It ws a typical error and they know I have the money. So they say they will sell at auction and I 'll owe the money.. why ca n't they take he money to catch it up if I have it and they know that? I do t want to owe money on a car that I dono havem. Both partied will lose money if they do it that way. Not right to efuse money when they know I tried to pay and I told them I have all the money now.
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| 02/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have filed several disputes with XXXX, XXXX, XXXX and CFPB regarding Toyota Financial Services inability or refusal to report my payments accurately. Each time I file a dispute/complaint they remove on time payments from my report and they now say no data. This has greatly impacted my credit history and score. At this point, it feel retaliatory. Across the three major reports XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 on time payments are not being reported with variances. Some reports have three payments missing and some have 2. They sent a long letter a list of payments of my last complaint and that still is not fully resolved. The same situation exists. Across the three reports, they have different two months reporting late between XX/XX/XXXX and XX/XX/XXXX or XX/XX/XXXX and XX/XX/2018. As I stated, I feel that this is retaliatory. Ive have contacted them directly and filed numerous disputes over several months. It is exhausting and time consuming. More importantly, it is adversely impacting my other credit. Account limits have been decreased or I can not move toward a goal due to score not being reflected properly for missing payment information.
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| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
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Web |
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Claim id : XXXX Date : XX/XX/2022 I have been a victim of 7 separate identity theftsone of whom is through your company. After calling 1 of the other 7 companies, their internal investigations team identified the abuser as XXXX XXXX ( SSN : XXXX ) Address : XXXX XXXX XXXX XXXX XXXX , CA XXXX Your dealership used my name without my authorization which can be misconstrued as compliance of criminal activity. My credit information was used fraudulently via co-signer/co-borrower, to apply for 7 different car loan accounts without my consent. Luckily each account was not approved. Nevertheless, I did not authorize these accounts, and I therefore am requesting XXXX XXXX XXXX XXXX and Toyota Motor : Please remove the hard inquiry by XXXX XXXX XXXX XXXX and Toyota motor from my credit report through your bureau, attached to this letter is a screenshot of my credit report These lists of fraudulent hard inquiries ( including yours ) were brought to my previously unaware attention, because I was investigated by mortgage underwriter due to excessive hard inquiries from car dealerships. Please help me and remove your hard inquiry as soon as possible Sincerely,
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| 03/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is my 4th complaint against Toyota Motor Credit re Closed/Paid/In good standing acct # XXXX. Every month TFS reports incorrect delinquent information into my own and my cosigner 's credit reports with all CRAs since XX/XX/2017. Today my XXXX credit score dropped by almost 90 points, XXXX. AGAIN. They are playing with our credit scores and near perfect credit reports ... This is ridiculous that I can not get anywhere with these XXXX employed by toyota motor credit ...
I AM SICK AND TIRED OF THIS MICKEY MOUSE-RUN COMPANY. OUR ACCOUNTS ARE NOT AND WERE NEVER LATE OR CHARGED OFF. I PAID IN DUE TIME, TWICE I MADE A PAYMENT AND BECAUSE OF TFS NOT KNOWING WHAT THE XXXX THEY ARE DOING, THEY LOST THE FIRST PAYMENT. I MADE A SECOND PAYMENT.
MY ACCOUNT SHOULD BE CLOSED/PAID IN FULL, IN GOOD STANDING. PERIOD!!!
I DO NOT KNOW HOW TO DEAL WITH THIS ANY MORE ... I DO NOT KNOW HOW TO ADDRESS THIS ISSUE. SEEMS LIKE EVERY TIME SOME NEW EMPLOYEE REPORTS TO CRAs AND MAKES THE SAME MISTAKE.
THIS ISSUE MUST BE FIXED ONCE AND FOR ALL. I DO NOT HAVE TIME FOR THIS.
PREVIOUS COMPLAINTS # XXXX, XXXX, XXXX ...
I FILED COMPLAINTS WITH XXXX, to no avail ...
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| 10/14/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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i leased a car a year and a half ago as i heard they have amazing cars, someone ran a stop sign and hit my car declaring it a total loss- all the money i got from that accident went straight to toyota to pay off my lease - when i went in to get a new car i was denied because of how low my credit was .... i was surprised i always checked on my credit regularly and last time i checked i had a score of over XXXX which is considered fair, i have NEVER PAYED ANYTHING LATE. I ask why my credit was that low and they tell me its because toyota put on my credit report that i made XXXX late payments -- - i was aware of this mistake in their system but i spoke with XXXX, XXXX and XXXX and i was told the problem was fixed and wouldnt cause any issues. Two days ago I go into toyota explaining the issue and telling them that i need a car and due to a mistake their system made i am unable to get one anywhere else so although i am disgusted with their company i am back for another car, they did not care. I was told i would need XXXX XXXX dollars down When i tried to further contact toyota we were hung up on multiple times resulting in a four hour phone call.
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| 12/28/2015 |
Yes |
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- Communication tactics
- Frequent or repeated calls
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Web |
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Toyota Financial Services ( TFS ) allows its customers to pay online or by phone. I have repeatedly made payments online since I obtained this account. The website even allows you to set up dates for future payments or payment arrangements. My complaint : once a payment date is selected, TFS continues to repeatedly call my phone -- every day and every hour on the hour! I receive email documentation that the payment arrangement has been made and I can even see online that it is in progress or pending, yet these idiots keep calling me repeatedly -- even when I tell them that a payment has already been set up or arranged online. Then the representative responds -- '' let me check the system to see. '' Duh??? Well, they should be checking BEFORE they dial my number!!!! This is happening EVERY DAY and EVERY SINGLE MONTH and I want it to STOP! The PAYMENT HAS NEVER BEEN 30 DAYS LATE, so technically, TFS is not even in a position to report it to a credit bureau as such, so I do n't know why they can not update their payment and calling systems and stop calling customers to death -- particularly after a payment or payment arrangements have been made!
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| 07/27/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I intended to pay off my Toyota car loan in late XXXX and had received an official letter stating that my loan was paid off in XX/XX/2023 ; the bank link was deleted, and Toyota fiancials sent me a letter showing the car was paid off. In late XXXX, I received a letter showing that my car payment was late. I called and attempted to make another payment, was informed that there was no bank information on my Toyota account and was charged XXXX dollars late fee but as I linked the bank again, it was settled. In XX/XX/2023, I received another letter about the late payment and past due 60-90 days. I called Toyota financial services, was told that the payment I made did not go through and it was because " I didn't have enough money to pay off the balance. '' The link automatically disappeared. After a couple of calls, the customer service took the payment verbally. I still have not received anything on the title, or the pay-off letter. They still reported me as late due 60-89 days on my credit bureaus. I am looking for help to get this corrected on my credit report, and apologies for the hassle when i tried to make a full payment of my car payment.
|
| 04/01/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2022 Toyota Motor Credit XXXX XXXX XXXX, XXXX XXXX, ia, XXXX Dear Toyota motor credit, I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX fl XXXX in the months of XXXX through XXXX and identified the debt as XXXX charge offs of XXXX and XXXX. I do not have any responsibility for the debt youre trying to collect.
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Where is the proof that I signed for these cars with my personal signature and ID? I would also like for these two debts to be removed from my report. I did not authorize these cars on my report.
Thank you for your cooperation. Sincerely, XXXX XXXX
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| 10/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
Servicemember |
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I opened account # XXXX with Toyota motor company and my son XXXX XXXX was the co-owner of the vehicle a 2009 XXXX XXXX. Unfortunately, I fell upon some financial hardship and a XXXX filed a XXXX XXXX bankruptcy. My son had never filed bankruptcy and has never filed bankruptcy. The XXXX was being paid monthly in the bankruptcy payment. In addition to those payments my son and I made additional payments which not only kept in line with both the original contract for the XXXX but also with the bankruptcy contract.
We have the payoff letter and received the title to the vehicle.
Essentially, the XXXX was paid in full before the contract end date. There was an over payment made that Toyota refused to return to me until I filed a report with the XXXX.
Toyota is now reporting the Bankruptcy on my sons credit report. My son does not have a bankruptcy in his history. We contacted Toyota and asked them to adjust the information they are reporting to me sons credit and they refused.
I am hoping you will be able to assist with this. Again, the vehicle was paid in full before the original contract or the chapter XXXX contract date was reached.
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| 06/01/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account information incorrect
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Web |
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Toyota Financial has been reporting me late on a disposition fee on a lease for over 2 years damaging my credit. When I went to get a home loan it was brought to my attention that I still owed them for a disposition fee. I was contacted by a collection agency at the time with no contact from Toyota. Called Toyota to settle this up and they told me they would not accept payment. So I payed the collection agency that then removed the debt from my bureau however Toyota did not. Called Toyota today and was told I had to pay it again, after being extorted using my pending home loan and closing date against me I agreed to pay it with my debt or credit card. They advised me they would not accept those payment methods and that there was no supervisor I could speak to that if I refused to give them acess to my bank account via routing number and account number then this would remain open and unresolved. I have had no communications from Toyota other than letter offering me another lease and other products. for 2 years I believed this was handled and it was not I am very disappointed in TFS and how disorganized their organization is. Please help me.
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| 10/10/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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XXXX XXXX ( # XXXX ) had my lease. Problem happen at the time of paying off my lease. Spoke XXXX XXXX multiple times on my pay off amount and refund amount of {$810.00}. Every time I spoke with them the representative gave me different info. Asked to speak with an manager on XX/XX/XXXX at XXXX CST the representative refused to let me speak with one and advised that a supervisor would call me back in 48 hours or less. I asked why in XX/XX/XXXX that a supervisor was not available and she said no supervisor was on the floor. I asked why is there no manger for a customer to resolve a customer compalint. I would like to see better training and technology to help customer get a better experience. Also I want to see managers available to take calls immediately Called back ( XX/XX/XXXX XXXX cst ) to speak to another representative asked to speak to a supervisor again refused to let me talk to supervisor. I reminded representative that the call was recorded and all my calls are recorded.
I 'm asking for the CFPB request all phone calls of my account with XXXX XXXX to find out where my refund is and why no one XXXX XXXX can give simple answers.
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| 08/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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My name is XXXX XXXX and I'm looking for some help as I'm in need of help due from XXXX in XX/XX/XXXX and then again in XX/XX/XXXX. Having XXXX twice I was put XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX doctor telling me that XXXX made my XXXX XXXX worse and that I could not longer work due to my XXXX XXXX being unstable and thats why I keep falling. However I had file for ssi and had to do an appeal on XX/XX/XXXX. I have also apply for unemployment for loosing my job in XX/XX/XXXX as my XXXX XXXX XXXXXXXX messed me over. I also applied for XXXX to get help from the state. As we all know theses are a long term of approval and I haven't heard back from anything. I worked at XXXX XXXX which is a decent job, but with the issues I'm facing I'm at risk of loosing my car that I can't make a payment on. If I loose my car I won't be able to get my kids to school. Also I have struggles paying for my water. I had gotten this reference from my housing ppl that I live in their housing. If you could help me in this matter that would be great or have any other references that would be awesome. Thank you XXXX XXXX.
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| 08/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I sent a dispute letter to Toyota Financial regarding the accuracy of my credit report. They replied back with a letter ( which I attached ), stating that they are reporting my account accurately and consistent to the credit reporting agencies. They just violated the Fair Credit Reporting Act by saying they verified information was correct with the credit bureaus when in fact it was n't. Below are the things are that are not accurate and consistent. XXXX shows terms as 0 months when XXXX and XXXX show 66 months Last reported date shows XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) Date last active shows XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) Date of last payment shows blank on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) This is not only a violation of the FCRA but also not compliant with METRO 2 guidelines which is mandated by the XXXX.
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| 07/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I have been working to pay off my loan with Toyota Financial Services. Over the last 30 days, I made over $ XXXX in payments to pay off the loan in its entirety ; {$6300.00} was paid towards the principal. I notice that when I made what I believe is my final payment in the amount of {$730.00} which was the balance of my account on XX/XX/2021, TFS still has yet to apply the payment to my online account. I scheduled the payment for XX/XX/2021. The payment and funds was immediately taken out of my account on XX/XX/2021. As of today, XX/XX/2021 the payment has not posted to my account and has been showing as pending for the last 5 days. Meanwhile, the TFS is steady accruing daily interest on the account. Whereas the balance should be XXXX, it is still showing an account balance of $ XXXX ( see enclosed ). This behavior from TFS caused me to revisit the account from its inception and I have notice this has been the behavior of TFS, i.e., immediately take the scheduled payment from my bank account, yet wait 3-7 days before posting the payment to the account only to accrue more daily interest.
This is foul and corrupt corporate practices.
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| 01/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have an auto loan with Toyota. My monthly payment is XXXX. I have had this auto loan since XX/XX/XXXX and have mostly paid by the due date. There have been a few times that I have made some payments past the due date but I have never been 30 days late. The few times I have had to make the payment past the due date has been because I worked 3 jobs and do not always get enough hours during the month to pay the car payment immediately and have to wait until my next check to pay the full XXXX.Despite this, I always have paid every month and have never been 30 days late. Last XXXX, I didn't work at one of my jobs for two weeks because my employer didn't need me. I knew I would need to wait a few weeks to make this car payment so I called Toyota. I told them I would need until the end of the XXXX but didn't want to be 30 days late on the XXXX payment. The representative helping me said that I would be ok until XX/XX/XXXX as XX/XX/XXXX was a holiday and wouldn't count as a day. I made the payment on XX/XX/XXXX.XXXX payment was marked 30 days late despite the information that the representative told me when I spoke to her over the phone.
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| 01/11/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I entered into a consumer credit transaction with Toyota Financial Services on XX/XX/2020. This consumer credit transaction included a finance charge. Pursuant to 15 U.S.C.1605 A finance charge is the sum of all charges in a consumer credit transaction. Toyota Financial Services not only took my vehicle as down payment ( {$5000.00} ) but they advertised down payment in violation of U.S.C. 1662. Pursuant to 15 U.S.C. 6802 Toyota Financial Services never disclosed to me that I had the option to opt out of the transaction being reported. Toyota Financial Services also reported this transaction to a consumer reporting agency which is a violation of 15 U.S.C. 1681. The transaction arose from a credit card which is supposed to be excluded from consumer report. Along with the repeated phone calls and erroneous billing errors from Lexus as well is a violation of 15 U.S.C. 1692c ( a ) a debt collector may not communicate with a consumer in connection with the collection of any debt. I have sent multiple certified letters to the consumer reporting agencies and to Toyota Financial Services most of them not returning the green signature card.
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| 09/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I applied for a loan payment deferral with Toyota Financial. The agreement covered 2 months XXXX of 2018 and XXXX of 2018. The agreement was approved. I was initially told verbally that the agreement must be signed and returned immediately after receiving. I began to look for the agreement within 24 hours. When I spoke to customer service I was informed it would take at least 72 hours not including the weekend. I received the agreement and it was signed and faxed on XX/XX/2018. With the agreement covering XXXX and XXXX my next payment would be due on XX/XX/2018. To my dismay it was reported to the credit reporting agencies that I past due for both. XX/XX/2018 and XX/XX/2018. When I put forth a dispute nothing changed then I submitted the original agreement. That was submitted to Toyota and now my credit report shows I was late for XXXX only. I have made good faith attempts to correct this with all 3 reporting agencies and Toyota to no avail. The information sent to me by Toyota outlining the agreement and signed and returned by me clearly covers. XX/XX/2018 and XX/XX/2018. So now I need your agency to assist me to make this right.
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| 01/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I have a loan payment with Toyota Financial services for a XXXX Toyota Corolla.
I 've had the loan purchase since XX/XX/XXXX and I 've realized that the Financial Service are Double Billing me, with an already High Interest rate, then threaten repossession If I do n't pay the double charge. My balance over a years worth of made payments are not as it should be. I 've asked for a transaction history to compare my payments/receipts and sent my bank statement of the date I was first told in XX/XX/XXXX my Payment was not received. I have not been mail or sent a payment transaction history at all.
The date the discrepancy in billing started, was XX/XX/XXXX. My payment amount is XXXX a month and they repeatedly, since XX/XX/XXXX say I have not caught up till this date and I 've made double payments on 3-4 occasions. I 've also paid my bill XXXX XXXX 3 times and on one of the occasions they said they did not have the payment If I did n't have my receipt, then said, " Oh! I see it here ''. I believe the other XXXX XXXX payments, which were two other ones, they are saying I did n't pay for those months either. Please Help. XXXX XXXX
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| 03/08/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I called Toyota Financial and explained in XX/XX/XXXX that I could not pay my monthly payment for a leased vehicle due to I contracted XXXX XXXXI asked for help to prevent them from repossessing the vehicle, and Toyota Financial did nothing to help me.I was going through a financial hardship due to the XXXX. I could not work because I was in quarintine. I made a payment to try to stop the process.Toyota financial said they tried to contact by mail, I never recieved any mail from Toyota Financial, and I called them and there response was that they did not care if it was sent and never made it to my home address.Then XX/XX/XXXX the vehicle was repossessed without my consent .When I woke up the vehicle was gone from my driveway.I thought someone stole the vehicle so I called the local police department, that is when I found out the vehicle was repossessed.I have been battling with the after affects of XXXX which has decreased my income.I spent {$1200.00} that I did not have to spare to retreive the vehicle that was repossessed.I tried 4 times to speak with a Supervisor from Toyota Financial and they have never returned my call.
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| 12/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Dear Consumer Financial Protection Bureau : On XX/XX/XXXX, I went to XXXX Toyota of XXXX XXXX to look at cars. Upon arrival, a Sale lady approached me and asked me how can she help me. Her first question was " Is it the first time you are buying a car? '' I said yes. Then, she took me to see the cars. She convinced me to get the car by stating it was a good deal. I was told the car price was {$33000.00}. Then, when I went to the finance department, the price had change from {$33000.00} to {$38000.00} including my {$4000.00} down payment. I informed the guy from the finance department that the car price was {$33000.00} ; not {$38000.00}. He convinced me by saying as a new car buyer, this is the best deal I can get. They used my lack of knowledge to rip me off on a XXXX XXXX XXXX Toyota XXXX XXXX.
After receiving the paperwork, I noticed the Total Sale Price of the car came up to {$61000.00} which was not discussed with me. Based on my research, a XXXX XXXX XXXX Toyota XXXX XXXX is only worth {$20000.00}. Toyota was a name brand that I trusted. Unfortunately, they failed me. Therefore, I need to cancel the deal.
Thank you
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| 06/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my XXXX credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote XXXX a letter on XX/XX/XXXX to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay XXXX wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party.
XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist.
COMPANY : TOYOTA MOTOR INQUIRY DATE : XX/XX/XXXX Attached is the letter i wrote to XXXX and the letter XXXX wrote back to me refusing to process my dispute.
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
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| 08/17/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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This is an official complaint on Toyota Motor Credit. Approximately around the month of XXXX 2014 I traded in a XXXX Lease at the XXXX XXXX XXXX dealership. Upon communication between these XXXX institutions ( dealerships ) it appears that the payoff amount gathered was incorrect and grossly miscalculated. The amount supplied by Toyota Motor Credit to XXXX XXXX was short approximately {$6500.00}. At the time of the transaction taking place none of this information was disclosed to me as these XXXX entities communicated with each other accordingly as their processes are internal within the financial departments. Therefore, due to their lack of accuracy and efficiency I have an outstanding delinquent amount due that is being reported on my credit. I have made numerous attempts with the credit reporting agencies, along with numerous communications with both dealerships ( Toyota Motor & XXXX XXXX ) to no avail. This is seriously placing a blemish on my credit report and as a business owner this is also inhibiting future growth and expansion.
Your prompt attention to the severity of this complaint would be greatly appreciated.
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| 04/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
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Web |
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Oh XX/XX/2020 I contacted Lexus Financial for assistance with my vehicle. I was told by the representative that they could do an extension for XXXX and XXXX which would make my next due date XX/XX/2020. The representative stated that she would have no trouble getting this approved and placed me on hold. When the representative came back to the line she stated that the extension was not approved and was unable to provide me with an explanation as to why. I was provided with false hope. I asked for a Supervisor and spoke with XXXX who ID himself as a supervisor. XXXX repeated what the representative and was unable to provide me with any explanation. I feel that I have been financially discriminated against due to my Bankruptcy. Everyone needs of assistance during this time when our nation is experiencing a pandemic. XXXX could not answer my question as to if I miss a payment will my vehicle be repossessed. I need my vehicle and I need assistance my husband has XXXX XXXX and that is the only vehicle used to get him back and forth to treatment. Not to mention I have to keep the medical insurance for my husband and myself.
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| 12/10/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/2018 I inadvertently made a payment to Toyota Financial Services for my vehicle that I was leasing from them but subsequently bought through my bank. During my conversation, with customer service at Toyota Financial, I found out that two extra payments were made on the lease and that I was owed XXXX by Toyota Financial. I was told that a check was being issued and should look for it by the end of the week.
On XX/XX/XXXX no check. I was told that a check had been cut on XX/XX/XXXX but that they will reissue a check.
On XX/XX/XXXX I was told that a check was issued on XX/XX/XXXX but was not sent out yet and that I should get it by the end of the week.
On XX/XX/XXXX no check. I received a case number and was told that Toyota financial will overnight the check and I should receive it by the end of the week.
On XX/XX/XXXX no check. I was told it was cashed and that administration will look into it and I should call back toward the end of the week.
I have names of people that I spoke with in customer service.
I have sent an email to XXXX XXXX XXXX and informed him that I have referred the matter to the FTC.
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| 05/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I setup a reoccurring payment with Toyota financial services on XX/XX/2017 to pay the loan on my new truck. The payment that was setup ended up being {$50.00} less than the contract amount. Toyota financial services made 10 payments at that amount and ended up charging me late fees with each payment and snowballed the account and reported it as being in default on my credit report. All 10 payments were made on time but since the reoccurring payment system withdrawal was for {$50.00} less than the contract amount. Toyota financial services never contacted me about this issue. The payment system should not have allowed the payment to be processed for less than the amount due. When I contacted them they would not return my call as promised and several email attempts have failed. I paid the account up to make it current and also adjusted the reoccurring payment to cover the proper amount due each month. I feel that Toyota financial services allowed this default to occur and collected on the late fees. I want all late fees removed from my account a don my credit report updated to show that all payments were made on time.
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| 09/29/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX I called Toyota Financial Services in regards to a past due amount that appeared in the amount of {$140.00}. I spoke to a representative named XXXX ID # XBJW that advised that an investigation form would be submitted. I was advised that in XXXX business days that this would be resolved. I called back on Monday the XXXX and spoke to XXXX ID # FOGW who had advised that the case had not been resolved and that I needed to call back the next business day. I called back on Tuesday XX/XX/2023 and spoke to XXXX ID # KIYW and was put on hold for over XXXX minutes with no answer before I needed to disconnect the call. I called back again on Friday XX/XX/2023 and spoke to XXXX ID # VTNW and was not given any type of answer on the investigation form. I was then placed on hold for around XXXX minutes before requesting a supervisor, XXXX ID # EOBW. XXXX said that they would look into the account and then the call with XXXX was dropped. None of these agents could explain the transaction of XXXX that had appeared onto my statement when the past 3 months statements showed that the past due amount reflected at {$0.00}.
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| 10/31/2022 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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At this time Toyota Financial is using unfair communication tactics to thwart my dispute against extra charges on an existing auto loan that is outstanding.
I wrote Toyota a certified USPS letter dated, XX/XX/2022.
They received that letter on XX/XX/2022, and they have yet to respond.
At issue, is that Toyota has charged me a total of {$690.00}, in fees that are erroneous and excessive. I can't even get in contact with someone to dispute the fees, or at least, come to an agreement of sorts.
I owe approximately {$12000.00} on my loan with Toyota Financial, and I am ready to pay off that amount IN FULL ; however, for every single day that passes Toyota increases fees to that amount.
I have tried contacting Toyota on the phone, to no avail. A snobbish person answers the phone and informs me that they are recording the call. In turn, I inform that I also reserve the same right and that I am recording the call. Toyota then hangs up, ending the call ; thus, placing themselves at the advantage of increasing the balance due on the vehicle, which ultimately results in them reporting negatives to the credit bureaus.
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| 02/09/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
Older American |
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Toyota Financial sent a bill on XX/XX/2020 advising me I owed Personal Property Taxes on a XXXX.
I do not possess the XXXX, having traded it in for a XXXX XXXX in XXXX.
Later correspondence showed the personal property taxes for due for a XXXX in XXXX, VA.
I do not live in XXXX, Virginia. I live in XXXX XXXX County Va and have paid personal property taxes there.
I have never been to XXXX, Virginia. I do not do business of any kind in XXXX, Va.
Yet. Toyota Financial will not accept that explanation and have threatened me with turning this matter over to a Credit bureau.
My file # with Toyota Financial is XXXX I have tried to resolve this issue with them. They use the internet to correspond and accept my comments.
Today, XXXX XXXX, I spoke with XXXX, on the Toyota phone # for consumers, and explained the problem. She said she would " try '' to expedite this issue so to avoid any collection company issues. Trying does not work for me.
I consider this harassment. Their inability to find the right person to bill for the Personal property taxes in XXXX Virginia. Is causing me great pain and suffering.
XXXX XXXX
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| 08/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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We applied to purchase some cars at XXXX of XXXX XXXX in XXXX XXXX.
I was told that we as a company were approved for vehicles we wanted to purchase at their dealership. There was an error in the way they structured the deal ( their fault ) then realized they would need to submit that to their business customer support channel and would take days to get a response. They advised it would take approximately 2 days and get back with me to come and purchase cars. In the meantime they sold to highest bidder even though we had ordered cars for us, even though they pulled our credit.
This is infuriating to say the least, why? Because we have worked for year to establish tier 1 credit, sweat equity, as well as a lot of things to figure out how to come up with large amounts of cash to pay off loans and sell our old inventory to bring in the new and literally just be left hanging because they made a few extra dollars on a deal.
I don't mind them making money, the problem is pulling the credit, telling us we were approved and then blame it on " you weren't approved '' all the while cars were listed on their website.
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| 09/12/2017 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Hello. On XX/XX/XXXX I returned a leased car over to XXXX Toyota XXXX XXXX and took another lease in exchange. It was a trade in. I entered into a new leasing agreement still in effect. I was told by the salesperson ( XXXX XXXX ) that since I was taking another car from the same dealer I did not have to pay any amount for returning the car to the dealer before the end of the lease.
On XX/XX/XXXX ( 14 months later ) I received a letter from a collection agency trying to collect a debt of {$800.00}. When I contacted them they told me that I owe that amount to Toyota because I returned my car before the end of the lease. I went immediately to the Toyota dealer and the Salesperson ( XXXX XXXX ) and the Manager ( XXXX XXXX ) both informed me that it was a mistake that Toyota made, they processed improperly the trade in paperwork and that 's why Toyota was charging me with that amount, but since that account was closed and sold to a collection agency they had nothing to do, meaning to say that the problem that they created is now mine and that I have to find a solution for something that they did wrong on their side.
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| 02/15/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I had a Toyota Corolla leased with Toyota Motor Credit Corporation. The vehicle was returned on XXXX/XXXX/2015 and I drive a XXXX now, that i have with TMCC employee lease program. I have received several phone calls from a debt collectors named XXXX XXXX and XXXX XXXX at my job and at my cell phone during work hours after requesting the company to stop harassing me as my vehicle was returned and no debt remained. I have sent several documentation that my husband and I drive a vehicle thru TMCC and pay for it and i was told that if you trade a Toyota car for another one, that any fees would be waived. Once all my information was sent and calls stopped. Months later, I received another call from a different agency. I have never received any responses or letters in months since XX/XX/XXXX - I received a collections call on XX/XX/XXXX about this debt once again after i sent information and gave proof I was a driver of a Lexus, along with a copy of my driver 's license and my husband 's and mine and the new vehicle contract. I should not be receiving phone calls after asking for the calls to stop, and after proving.
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| 10/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX I paid off the remainder of my car loan with Toyota financial. I was told it would take a month from the paid date for it to process. After more than a month I called to find out what was happening and when the title would arrive. I was then told that I hadnt requested the title and it hadnt been sent. I thought this was odd that I paid it off and didnt just get it sent out, but I went on to request it. This was XX/XX/XXXX. I was again told to expect it to be up to 30 business days to arrive. I called weekly for updates until I was finally told to it would be to me by XX/XX/XXXX and if it wasnt to call. I called on the XXXX when I hadnt received it still. They told me me they werent sure what was happening and that they didnt know where it was. I was told by the XXXX XXXXXXXX XXXX that the Lien hadnt been released so I shared this with Toyota financial and they put in a request for a lien release but was again told it could be up to 30 days. I paid this off in early XXXX and I really need the title to the car and have completely lost faith that the issue is going to resolved by Toyota Financial.
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| 05/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I am XXXX XXXX for and by the State of California ( CA # XXXX ) and am making this statement as a deposition : Today, on XX/XX/2019, I setup an XXXX XXXX payment with Toyota Financial Services ( TFS ) for Wednesday, XX/XX/2019 after telling TFS that I already sent in a payment via XXXX XXXX on XX/XX/2019 for {$330.00}. Also, I have setup another payment with TFS for {$330.00} on XX/XX/2019. In any case, I am tired of talking to people who sound like robots ( which they will probably be replaced with soon anyhow ) who do not really answer your questions and tell you, '' to have a nice day. '' My concern, even though I have a confirmation for bank draft next Wednesday, that TFS is still seems to be threatening me with repossession ( attitude ) ; especially after withdrawing their offer to rest my account to current two months ago ( by putting the two late payments on the end of the loan - my family never got the letter that TFS stated they mailed ). Now that TFS is in XXXX, Texas, they are free from Consumer-Friendly business practices and can essentially threaten and harass consumers as they see fit. Beware!
|
| 11/05/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
Older American |
|
I leased a XXXX XXXX XXXX thru XXXX XXXX XXXX and before the end of the 3 year lease the care was returned by a broker ( XXXX XXXX, owner : XXXX XXXX, cell ; XXXX ) to XXXX XXXX XXXX. He forgot to get an LPW number at that time and proceeded to lease me a XXXX XXXX XXXX for another 3 years. When I decided to lease now a new XXXX XXXX, I received a letter form XXXX XXXX that I owe them another {$4400.00} representing the difference between Contract receivable and the selling price of the XXXX XXXX. I am XXXX XXXX and I have been leasing XXXX cars since XXXX and always given back the cars before the end of each lease period ; I have never been submitted to this type of non sense super creating billing which I believe is illegal. In addition XXXX XXXX ruined both my credit score and that of my wife because several XXXX dealers told me that if I add my wife as co-leasee, they would approve a new lease -- subsequently I got several letter of denial stating that I owe money to XXXX XXXX and my credit score is too low. I add that I have a duplex in XXXX and a house upstate and no loans to pay to any entity..
|
| 04/05/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
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|
Web |
Older American |
|
I transferred {$29000.00} from my XXXX XXXX checking account on XXXX XXXX to Toyota XXXX XXXX XXXX. I have had a financial account with Toyota XXXX XXXX XXXX for several years. They received the funds and were even paying me interest on that money. On XXXX XXXX they decided to transfer those {$29000.00} funds back to my XXXX XXXX checking account without my knowledge or permission. Those {$29000.00} funds never made it to my XXXX XXXX account and Toyota XXXX XXXX XXXX claim that they do not have the funds. So as of XXXX XXXX the whereabouts of my {$29000.00} funds are completely unknown. Toyota XXXX XXXX Notes were the last financial institution to have my money. I believe that they violated the " Electronic Fund Transfer Act " when they supposedly attempted to move my money without instruction from the owner ( myself ). I have had several conversations with management at Toyota XXXX XXXX XXXX and they seem to have brushed me off about the entire topic of these lost funds. The trace numbers for the transaction they have provide to me make no sense to XXXX XXXX were the funds were supposedly returned.
|
| 05/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
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I had an acct with XXXX XXXX XXXX. I was in a car accident XX/XX/XXXX. I paid the monthly note until waiting on the insurance company to pay. On XX/XX/XXXX I received an deficiency letter stating below is the total balance and I had 20days from the date of the letter to pay the total balance after reading the letter I called Toyota spoke with a CSR and asked do I pay my XX/XX/XXXX car note minus the total amount of is my XX/XX/XXXX note due in this total by the due date? I was instructed to pay the total balance by the due date and I complied and paid the acct in full on time. I then received a credit alert and letter stating I received a 30day marker for XX/XX/XXXX when I called Toyota I was told it was for XX/XX/XXXX. I asked how did I receive a 30day marker for XX/XX/XXXX when they added my XX/XX/XXXX note to the total balance on the deficiency letter on XX/XX/XXXX and gave me 20 days after that date to pay it? This marker is not warranted, they added my XX/XX/XXXX payment to the total balance. I disputed it was updated to paid as agreed but they did not remove the 30day marker and this acct is closed
|
| 12/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American |
|
After I filed bankruptcy and the the company with claim with the court, filed to be released from XXXX. Then came and repossessed my vehicle after I paid what they told the court I was behind. I paid it yet they repossessed my car anyway. They sent a certified letter asking for {$2100.00}. Then over the phone after I was about to pay, they verbally changed the amount to {$2700.00}. Plus {$320.00}. To the towing company. I was told my account was being brought up to date. After paying the money, I got a letter not confirming what I paid, but that they recieved a payment. And that my account was being reopened. And that my next payment of {$610.00}. was due XX/XX/21 that I was told my account was up to date after the payments and additional {$610.00}. Added after the certified amount. And that reactivate could take several weeks as much as four weeks.
Then my attorney filed a motion to dissallow Toyota motor credit from any further disbursement from court because after release from stay, they didn't withdraw their claim. I really think something illegal was done here in all this and need a investigation.
|
| 11/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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|
There were several accounts listed on my credit report that 's inaccurate and has hurt my credit scores. I have on several occasions disputed alleged late payments on my credit report. These companies have yet to send me.
Section 168 of FCRA law ( s ) info on report does NOT match my records. I demand this item to be Updated to Paid as agreed, never late from my credit report ASAP.
The below listed Late Payments that are being reported within my credit report is inaccurate account information. I have never been late with my payments of these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payment history information. Under Section 168 FCRA this Late Payments Dated does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted and UPDATED under this law. The late payments never happened!
|
| 06/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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XX/XX/XXXX I went to XXXX XXXX in XXXX, OH, where I had purchased a car in XX/XX/XXXX. I met with the salesman, XXXX XXXX, we had used before. I test drove a couple of vehicles but felt that since he was trying to put me in the most expensive vehicle, according to my income, instead of listening to what I wanted, I was going to go elsewhere. And even though that day I never gave him my credit information, nor did I authorize a credit check, he used previous transactions to get that information and run a hard credit inquiry on my report. I have requested them to provide where I consented to the credit check ; filed a complaint with the XXXX, which they responded to and stated, they would resolve with me. Then sent me a letter that they were not going to send me anything or remove the inquiry. I have no issue with hard inquiries when I ask for them and am aware of the difference between hard and soft inquiries. As I have been working on my credit score, I would NEVER have a report run unless I knew I was going to buy a car at the dealership, as I did in XXXX at XXXX XXXX when we purchased my son 's car.
|
| 10/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Toyota Financial services holds the loan for my car. XXXX XXXX XX/XX/XXXX ) they called for collection and I couldn't speak to an agent. I called them back at XXXX XXXX on XX/XX/XXXX. I spoke to an agent and did not catch her name, however they said all calls are recorded. The agent informed me that this was an attempt to collect a debt. She proceeded to lie to me about what I owed. She said I was one payment past due when I was really two. She told me my next payment was due on XX/XX/XXXX when in truth it is due on XX/XX/XXXX. This felt like Toyota was lying in an attempt to trick me into defaulting on my loan. I called back afterwards and spoke to a supervisor at XXXX on XX/XX/XXXX. She confirmed that I was correct and that i was 2 payments overdue and my next bill was on XX/XX/XXXX. She could not tell me why the XXXXXXXX XXXX lied about how much I owed or how they would resolve the issue. They said I can expect to year back in up to XXXXXXXX XXXX. I really feel like this was a trick to get me to default on my loan. Now I can not be sure of anything toyota financial says. I would like this remedied.
|
| 05/30/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
On XXXX XXXX , 2017, I rec eived a claim from XXXX XXXX XXXX XXXX stating I owe a debt of {$7500.00} for the remaining balance of my Toyota payment. The letter states I will be sued if I do not make a full payment or a payment arrangement. I called numerous times and finally a week after I got the letter, got through with an employee at the firm to make a payment arrangement. They did not want to execpt my arrangement because they stated it was n't enough and belittled me and used disrespectful name calling to myself. I asked to speak to a superior and the gentleman stated he was the superior. The employees name was XXXX XXXX . He was highly disrespectful and told me that my arrangement of {$100.00} a month was n't good and wante d 10 times th e amount which I can not afford. I am willing to make an arrangement of {$100.00} a month because that is all I can afford. Then XXXX XXXX told me to pay whatever I want and disconnected the phone on me. All I am trying to do is make my payment arrangement on m y Toyota acco unt so I can get this off my chest and not have to appear in court.
|
| 08/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
There is an error on my credit report from Toyota Financial for a vehicle. I have asked the credit bureaus to remove it several time and they will not. They are saying that I co-signed/co-purchased a vehicle. The only problem with that is those are n't my signatures, I did n't co-sign for anything and I was not employed at that time. I asked the company to send me proof of my signatures, they sent me the documents with signatures that are not mine. In addition, information provided on the application was inaccurate, they did n't provide me with copies of my social security card or driver 's license. When buying a car this is what is requested. Seem like to me they just let someone use my information to co-buy/sign. I have written letters, disputed this several times on line, and I have even pled and explained how the signatures are n't mine as well as give proof to how the information that was provided on the application was incorrect. I would like to file a complaint against Toyota Financial and XXXX XXXX for this inquiry because I ca n't get another car loan for a loan that does not belong to me.
|
| 05/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Older American |
|
From outset of lease in XX/XX/2017, we repeatedly tried to have Toyota Financial debit our account for the monthly lease payment. In XX/XX/2017, we sent Toyota the appropriate form to complete the transaction. Later we were told that this had been processed. As an elderly couple that occasionally travel, we assumed the matter was settled. Instead when we arrived home in early XXXX, we had been billed double the lease payment plus late fee. This indicated Toyota had not drafted our account. Promptly we paid their invoice and again went through the troubles of setting up this drafting.
Driving 50 mile round trip to the Toyota facility in XXXX from where we had leased the car, the financial officer instructed us to again complete and file a draft authorization. Meanwhile Toyota notified us that we had to pay 100 % of the remaining lease immediately.
Although the matter was finally settled, Toyota reported this to the credit bureau with the result that our good credit rating was adversely affect. I wrote to Toyota appealing this unjust treatment only to receive a reply from them refusing our appeal.
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
Toyota Financial Services has been incorrectly furnishing payment information on my XXXX, XXXX, and XXXX consumer report. Pursuant to 15 USC 1666b I am to receive my statement 21 days before the due date ( Please see attachment ). According to the statement date, I did not receive my statement 21 days before the due date. Since XXXX of XXXX, the statement date and the day that I got the statement in regards to the due date has never been 21 days. The statement date in XX/XX/XXXX was XX/XX/XXXX and the due date was XX/XX/XXXX, which is only 17 days. Every month subsequently has been incorrectly numerically dated ever since. I was not late in XXXX of XXXX. The payment was made before the 30 days period was up. In fact, Toyota Financial Services never sent me the billing notice according to 15 USC 6802 or any disclosures indicating what my rights were. The bill on the online account does not include any of the disclosures required by California law. I never received all the proper disclosures from Toyota Financial other than the option to opt out of marketing by third party non-affiliated parties.
|
| 06/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I use to lease a XXXX XXXX XXXX hybrid til XX/XX/XXXX this year. It was a 3 year lease. I have never missed a payment. Their website has a auto pay feature, I had enrolled in it for payment. Payment use to vary slightly every month.
This varying payment is controlled by them. Once fine day, there was a 'payment delinquent ' report issue by toyota on my credit file due to a {$99.00} shortage over a period of 4 months. I informed them about the whoe issue and got them to fix my credit.
After few months, again in XX/XX/2019 they had sent some confusing statements and shwoing that I am $ XXXX/XXXX short. I called up their call center thrice. Everytime i was told to ignore this letter and my account is settled and this was a mistake. I see that my account is again marked delinquent for payment for that month in my credit file. They constantly abuse customers credit.
I have wrote to them many time on their twitter suport, emailed them, called them, they dont seem to be fixing this. Now it is affecting my mortgage rates. Shouldnt they be paying me for the mortgage rate loss due to their mistake?
|
| 01/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account # XXXX XXXX XXXX XXXX XXXX : XXXX Date purchased : XX/XX/XXXX To whom it may concern ; I am writing in regard to the above referenced accounts and transactions.
This is not a refusal to pay, but a notice that this account is disputed.
Any contact needs to be made in writing, you or your representatives do not have my permission to contact me or my family members via telephone, text or email or any form of social media.
Per North Carolina State Law, this debt has passed the statute of limitations. With that being said, I can not be sued by you per North Carolina Statute.
This vehicle was voluntarily surrendered in XX/XX/XXXX in XXXX, NC ) and resold on or about XX/XX/XXXX.
I am offering a settlement offer to satisfy this account in the amount of {$1000.00}. Upon receipt of this payment in the form of cashiers check or money order, please mark this account paid in full.
Sincerely, XXXX XXXX XXXX, XXXX.
|
| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Upon checking my credit report in XXXX, I noticed that Toyota Financial Services has reported incorrectly that there have been 13 missed payments on my XXXX XXXX XXXX lease. Unfortunately this is significantly impacting my credit report. The car was considered as a total loss, was paid in full & the account, account number XXXX, was closed. I was in complete contact with Toyota and even purchased another XXXX XXXX at the same location, XXXX XXXX XXXXXXXX XXXX.
I am needing to purchase another car as soon as possible, and I have requested that Toyota update the credit reporting companies with the correct info noting that this account is not & has never been delinquent, all payments were up to date through the end of the lease completion ( XX/XX/XXXX ) & that this is now a closed account.
I sent Toyota a letter detailing this information & it was confirmed received on XX/XX/XXXX. I've spoken with Toyota weekly & finally received a letter from Toyota dated XX/XX/XXXX confirming that my account is 0 days past due and is closed. However the missed payments are still showing on my credit report.
|
| 10/01/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
The lease maturity is XX/XX/XXXX, last payment was due XX/XX/XXXX. I obtained a payoff on XX/XX/XXXX for {$33000.00} good through XX/XX/XXXX. The vehicle was sold and the lease was paid off on XX/XX/XXXX. However between the date of the original payoff quote on XX/XX/XXXX and the actual payoff date of XX/XX/XXXX, XXXX XXXX changed the payoff amount to {$33000.00} with a good through date of XX/XX/XXXX. They claimed the next month 's rent charge had been assessed to the account. When I called to request a refund since 1. the payoff was received well before the good through date of XX/XX/XXXX and 2. before the monthly payment was due they refused to refund me the overage.
It seems like unfair and deceptive practices that XXXX XXXX XXXX won't honor a payoff quote with a good through date. They know exactly when they access the rent charge so a payoff quote should have a good through date that is before the rent charge is assessed to account for this additional charge, not after. Additionally, a payoff received the month before the rental of that vehicle occurs should not include that charge.
|
| 05/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 1. Account name : Toyota Motor, Account # XXXX, Date opened : XX/XX/XXXX, Reporting on : XXXX/ XXXX.. 2. Account name : XXXX XXXX, Account # XXXX, Date opened : XX/XX/XXXX, Reporting on : XXXX/XXXX.. 3. Account name : XXXX XXXX, Account # XXXX, Date opened : XX/XX/XXXX, Account Balance : {$210.00}, Reporting on : XXXX
|
| 11/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I remitted a payment to payoff the balance of my car loan with Toyota Financial Services on XXXX XXXX, 2016. According to TFS, on XXXX XXXX, it was determined that my payment could not be processed. I received no notification from TFS that they had failed to process my loan payoff until a letter was sent to me on XXXX XXXX, 2016 ; in fact, I logged in to my online account portal several days after the date of my first attempt to pay off the loan to confirm that my account had been closed. The online dashboard indicated that my account had been paid in full and was closed.
In the meantime, despite the fact that I was enrolled in automatic payments, had never previosuly missed a payment on the loan, and have good credit. TFS did not process my loan payments per the normal schedule for XXXX or XXXX. They did not inform me of this payment processing change until I received my next statement on XXXX XXXX, 2016. The statement indicated that TFS had imposed a late fee on the XXXX " missed '' payment, and confirmed over the phone that TFS had reported the " delinquency '' to the credit bureaus.
|
| 05/08/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I leased my XXXX XXXX in California in XX/XX/XXXX. In XX/XX/XXXX I moved to texas and decided to buy out my lease on that date. I went to XXXX XXXX to pay for registration and pay for sale tax because this is personal use vehicle. I dont have business and this is my personal use. I just got 4 mails from XXXX financial services stated that I own them personal property tax for my lease in XXXX. I already purchased this car in XX/XX/XXXX. They should take off my vehicle Vin number out of their inventory list so XXXX XXXX dont have to send bill to them. I went to XXXX XXXX regarding about this matter and they said nothing to do with me, XXXX XXXX sent tax bills to XXXX because the vehicle still on their inventory. I tried to reach XXXX from their support website and no one reply back to me and try to solve this problem. I got bills again and said I have 10 days left to pay them. This is harassment and it is not about money, I dont like to pay for their mistakes and now will lead to send me to collections for the debts I dont own. Bad business and seem like no one help. Please help me thanks
|
| 12/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On my drive from Virginia to a job interview in Florida my car was repossessed in Georgia where I stopped to sleep. Toyota Financial Services never sent me a letter of demand or plan to sell property before repossession. They never notified me that they issued an order to repossess my car. My car was grabbed on XX/XX/2021 and the person who took it did not notify the police or sheriff which is against the law. Toyota agent told the police that they did not issue the order for repossession on XX/XX/2021 and its in the police report. Toyota informed the police that they received my full payment and a prepayment for XXXX and that the loan is reinstated. I borrowed money from a friend and paid {$2300.00} in full and Toyota accepted it the morning of XX/XX/2021, then 4 days later on XX/XX/2021, I called them for any letter in writing and they emailed me a notice of a plan to sell the property if I don't pay over {$12000.00} by XX/XX/2021 with no reinstatement rights. Toyota gave me the phone number to XXXX XXXX XXXX for any questions about my property inside the car or whereabouts of the car.
|
| 01/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
As of today XX/XX/XXXX Toyota/ Lexus financial services is still reporting my account for the leased Lexus XXXXXXXX XXXX XXXX as an open revolving account in the amount of {$31000.00} with intial starting loan balance of {$45.00}, XXXX with beginning intial payment XX/XX/XXXX as I have attached as proof. This is inaccurate as the account was closed as of XX/XX/XXXX with a XXXX balance as payment had been received by XXXX to Lexus in the amount of {$42.00}, XXXX as a total loss with a mailed letter of guarantee for the title to XXXX on XX/XX/XXXX per Lexus intial response to deceptive credit reporting complaint to Consumer Financial Bureau on XX/XX/XXXX stating that account had been closed with XXXX balance per Lexus. I have also attached this intial reponse to this complaint as well for review. This account is inaccurate in the amount and open status and Toyota/Lexus is fraudelent and deceptive in thier credit reporting actions. I have also attached the dispute I submitted with the credit bureaus on XX/XX/XXXX as well to show account is still inaccurately reporting on my credit report.
|
| 11/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
On XX/XX/2021, I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ). The suggested manufacturing price was {$32000.00}, however they added values until the purchase totaled {$53000.00}. Below I detail the concepts and values : 1. Something they called the XXXX XXXX was added and I can not identify exactly how much it was but according to what was discussed with the seller it could have been between {$5000.00} and {$7500.00}.
2. Theft Deterrent Device, XXXX XXXX ( optional and which I was not told about ) worth {$990.00} 3. XXXX XXXX XXXX, xzilon ( optional and which I was not informed of ) worth {$790.00}.
4. Debt Cancellation Agreement ( optional and which I was not informed of ) for {$850.00} The next day I was able to look at the contract in detail and when they sent me a survey to evaluate the purchase, I informed them of all these values with which I did not agree, but they never gave me a response.
I feel disappointed and cheated by this seller. For XXXX years I have been paying these amounts plus interest and they do not solve my problem.
|
| 02/12/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
On XX/XX/XXXX I returned the leased car to the dealer. I was contacted by Toyota financial services to pay the lease termination fee of {$370.00} On XX/XX/XXXX I did submit the full payment and I have a letter from XXXX XXXX XXXX XXXX plus my bank statement that shows the exact amount paid to Toyota financial services.
I havent received a letter to show that my account was closed and has XXXX balance, so Ive contacted Toyota financial services several times between XX/XX/XXXX and XX/XX/XXXX and they keep telling me the same thing I still owe them the money and its soon to go to a collection agency. When I tell them that Ive already submitted my full payment on XX/XX/XXXX, they find it hidden somewhere in their system and they promise to settle the account and send me a letter but they never do. Today ( XX/XX/XXXX ) I called them one more time and heard the same thing. I still owe them the money and when they look deeper they find my payment and promise to settle the account. I told them Ive heard this too many times and Im going to complain about it. They said : go ahead and do it.
|
| 01/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my loan on XX/XX/XXXX and after calling to see how long it wold take to receive the title I was given different answers every time I called from 2-3 days, 7-10 days to 15-30 days. I called at least twice a month since I paid it off and as of today I still have not received it or the payoff letter that they said I was supposed to receive. The last conversation I had was XX/XX/XXXX and was told by XXXX ( she would not give me a last name or operator number ) in the " Resolution Dept. '' that she would resend the payoff letter that I should receive in 7-10 days and that they would send me a duplicate title which would take an additional 2-4 weeks but they would send it XXXX. She told me she would call me today at XXXX to confirm everything but I did not hear from her. The case number is # XXXX. I asked her to let me know how many times I had called and she said she could not look up the calls unless I gave her specific dates that I called even though the people who I spoke to in " Customer Service '' seemed to be able to pull them up on their computer when I spoke with them.
|
| 03/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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|
on XX/XX/2021 I made a call to Toyota Financial Services and explained to them that I had an incorrect late payment on my account. I was told it would be investigated and I would be notified by mail. Later XX/XX/2021 I received a letter informing me that " this account was reported as deleted for XXXX XXXX ''. I checked my report 30 days later and it was still there. I have tried for several months to get this removed form my account. This process has cause me to lose out on property, funds and caused a lot of frustration and destress. Toyota placed a 30 day late payment on my account and I have never been late. I bought a new car and in the process of the dealership transferring the payoff of the first cat to Toyota financial the communication between the two were lost. I was received 2 different contracts and the financial company said they only got one. I had to prove to them that I had 2. I am in the process of XXXX a house and this late payment is holding the process up. Because of this mistake I have lost out on many homes and funding. I need help getting this Item removed.
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| 09/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I had a loan with Toyota Financial Services ( TFS ) for a XXXX XXXX. I set up auto deduction for {$400.00} at the beginning of the loan. Every payment was posted on time. At the end of the loan I had a {$310.00} balance right before my XXXX XXXX payment was due. On XX/XX/XXXX Toyota Financial Services ( TFS ) deducted the same {$400.00} amount. I contacted them and I was told that since I authorized {$400.00} they pull {$400.00} no matter what the balance. I was also told that on XX/XX/XXXX a refund check was cut. As of today, XX/XX/XXXX, I do not have that check. By the time I receive this money, deposit it and the check clears my bank it will be at least 7 calendar days. That is 7 days of " float '' on my money that I will not be getting. Now, that amount is very small until you sum up all of the customers that they have done this to this year. Then it becomes a large 0 % loan on the backs of the consumer. I believe that is unethical. I believe you have the power to force them to deduct the regular monthly payment or the payoff balance each month whichever is lesser. Thank you
|
| 05/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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On the XXXX of XX/XX/2019 my car was repossessed in New York XXXX XXXX the next day I called Toyota Financial Services Collections to know what my options where to get the car back I was told I have reinstate policy and I have to pay that amount for me to get my car back, on the day of the repossession my girlfriend was the one driving the car and she parked on the side of the road while she was in the car and a tow track guy was towing the car she wouldn't let go of the car so the tow guy called the police XXXX not sure what happened but my girlfriend came home and I ask her where my car was she said they took it.So the next day was when I called Toyota Financial services with my options on the car they told me I had reinstate police which I had to pay XXXX to get the car back I did by paying XXXX XXXX so I called them to give them the control number for XXXX they told me I no longer have reinstate police but I have to pay the car loan in full. I have the reinstate police documents they sent me in my mail I would like to know why they said I no longer have the reinstate police.
|
| 08/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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I have four accounts with Toyota financial and I always call and make my payments over the phone and when I called I provide the representative with my Social Security number and I told them that I have four accounts with Toyota financial and I would like to make a payment on all of them.
After doing so Toyota financial reported me 30 days late on one of my vehicles payments.
I spoke with TOYOTA financial they informed me that they have a copy of the phone call which clearly states that when I call I indicated to the representative that I had for accounts and I would like to make a payment on all four accounts that day three payments were made one payment Was overlooked by representative and my credit was destroyed because of this Im in the process of purchasing a house and my score went down by 84 % because of a 30 day late payment reported by Toyota financial.
Please help me to fix this and remove that late payment from my credit report they have reported inaccurately they failed to complete their investigation they failed to contact me.
Thank you very much for your help.
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| 05/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
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Web |
Servicemember |
|
I have reached out to all 3 credit bureaus as well as Toyota Financial to have my credit report updated with no resolution. I purchased my car ( XX/XX/XXXX Toyota Corolla ) brand new onXX/XX/XXXX. My vehicle was repossessed and redeemed in XX/XX/XXXX. My contract was satisfied XX/XX/XXXX however this item still shows negatively as a redeemed repossession. I was told ( by the credit bureaus ) that items stay on my report for 7yrs from first reported delinquency but this repossession is 10yrs old. I confirmed this with Toyota who says they haven no control over how long the info is on my report but they have total control. Why are they reporting my loan only for the last 6months of the lease which makes it look like it's 6yrs old as opposed to the 10yrs since it was actually first reported delinquent and repossessed. They keep updating reports on my report but that info is incorrect. This loan goes back to XX/XX/XXXX. I am trying to resolve this without dealing with either parties mentioned again directly and I am currently waiting for my account history in the mail ... if needed.
|
| 05/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I have already filed a complaint with you all about this. Toyota Financial is still saying I owe them {$200.00}. Now they are saying I made partial payments which is not true I will submit my itemized statement and bank statement. They are not being honest and I am not going to pay this. I will reattach my statement and my bank statement and you can tell me where I made a partial payment. This has been a nightmare!! I go on their website to get the pay off so I can get a different loan and it won't let me on. This company has some of the WORST reviews on XXXX and I want to be free of them. PLEASE if you can see where I owe them the {$200.00} I will pay it. I've been told that I missed XXXX, XXXX & XXXX payment. Then the next person told me that I miss XXXX which I actually paid the end of XXXX. I have not got the same answer or a straight answer from any of them. I now got a notice from their collection department. This is not right and because they are a big company they think they can get away with it. But they have messed with the wrong person!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
|
| 01/24/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I returned a leased XXXX XXXX on XX/XX/2019. Lease end was on XX/XX/2019 I returned it to an auto broker of my choice in XXXX XXXX CA XXXX XXXX. The same day I also lease a new vehicle. All financing has been through Toyota financial services. After a couple of months, I started receiving calls and letters from the lease end department. I spoke to XXXX # XXXX. The car had not been grounded and were still tracking what XXXX dealer had received it. Later I was told by XXXX # XXXX the car was grounded on XX/XX/2019 My credit score has been adversely affected they reported to the bureau as 30, 60, & 90 late payment. I do not own those car payments. The vehicle had been returned. I ask to put my status to current on time. When I contacted XXXX agent # XXXX on XX/XX/2019 she said when the car is grounded, they would report to the bureau to remove the negative marks. She advises to write a letter to their Toyota financial credit dispute department, but no action was done. I contact Toyota customer experience and spoke with # XXXX XXXX. All they did was waive {$350.00} disposition fee.
|
| 01/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
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I recently purchased a new XXXX from XXXX XXXX Toyota on XX/XX/XXXX and received financing through XXXX XXXX and was set to begin my payments from XX/XX/XXXX. I received a mail dated XX/XX/XXXX from the car dealership that the financing did not go through with no reasons specified nor a statement from the bank. I don't see how this is possible as I was approved at the time of purchase and have been using my car for the last XXXXXXXX XXXX I must also mention that I received no intimation from the bank ( XXXX XXXX in this case ) regarding the same. Is this not a breach of contract? Also, how could they allow me to leave with a vehicle if my financing had not come through. I did put down {$2000.00} on the day of purchase and I'm now concerned that I may have to lose the vehicle and my money on the basis that I have used the car for these many days. I don't see any grounds on which this can be done. The same thing happened with my roommate at a different XXXX dealership and they lost XXXX their down payment and the car so I do believe there is a fraudulent nature to this activity.
|
| 11/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I participated in the Toyota Motor Credit Corporation Settlement earlier this year, by filling out and submitting ( 2 ) Eligibilty forms on or around XX/XX/XXXX. Those 2 forms were for a XXXX XXXX XXXX and a XXXX XXXX. My loan was for the XXXX. Then I traded the XXXX for the XXXX, a year and a half later. I called the Settlement Adminatrator the next day to confirm they received both forms, and was told they did. On XXXX, I called and spoke to " XXXX '' for an update re : the settlement and was advised to do nothing now. The deadline to submit was XX/XX/XXXX.
In XXXX, I called for an update re : when checks were to be mailed. But I always got the same answer. " TMCC is still going through the eligibilty forms before any payments can be made, and to keep checking their website for an update ''. But the website only tells you payments will be mailed in XXXX. There is no forther info and the CSR 's aren't so helpful. Well, it's almost XXXX and I have yet to receive any payment or, even a letter stating otherwise. Any assistance will be greatly appreciated. Thank you in advance.
|
| 11/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
|
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Toyota XXXX Toyota financial services has reported incorrectly a 30 day late pay for XX/XX/XXXX. I advised the company that my credit report shows a 30 day late for both XXXX and XXXX and I was initially advised that the XXXX late payment was incorrect as the payment posted on XX/XX/XXXX and that It would be researched. Research was completed and I was advised the credit reporting is correct and it reports 30 days behind meaning that my XXXX and XXXX payment were past due. I was always under the impression that credit reporting reflects current date and not 30 days behind. my XXXX payment was deducted from my account on XX/XX/XXXX, XXXX payment on XX/XX/XXXX.. XXXX payment was indeed past due with XXXX payment postin XX/XX/XXXX ... my payments are due on the XXXX of each month. I was then advised my the rep that it was difficult to see when the payments actually posted because of the late payments. this is the second time I have had an issue with the Toyota reflecting on my credit report incorrectly and that time they also initially indicated there was no error. please help.
|
| 11/04/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
After having XXXX XXXX leases in the past years and never being late on payments to them nor any other creditor either in my entire life, Lexus financial has reported me to the credit bureaus for 1 late payment over 30 days.
They have stated that I did not pay the XXXX 2016 payment and that is totally untrue.
After speaking with several of their representatives for hours in an effort to resolve the matter and explaining to them that the payment of {$290.00} was made thru their phone automated system ( as always ) on XXXX XXXX, they advised me that they WILL NOT remove the negative information from my credit reports and that they can not help me any further to please not call them anymore.
They also advised me that they have been trying to contact me at a telephone number that does not exist and that is not a correct statement either, they have my phone number as well as my wife 's phone number in their file which I updated and verified with them back in XXXX 2016.
Iam not late on my payments nor have I ever been late on my payment to Lexus nor any other creditor either.
|
| 05/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I purchased a new XXXX in XX/XX/XXXX from a local XXXX dealership. The vehicle is financed through Toyota Financial Services ( TFS ). I have regularly called TFS to advise them that any additional money that I send in with my monthly payment is to be applied to principal only. I have sent in {$700.00} every month since XX/XX/XXXX. TFS routinely did not apply the extra funds that I sent in to principal and instead advanced my payment due date contrary to what I requested them to do. This matter has been the subject of a complaint that I filed recently with the CFPB. Today I logged into my TFS account and it indicated that I have a past due balance of {$650.00}. I have paid every monthly payment on time therefore the TFS system is incorrect. After speaking with a TFS representative for over 30 minutes I was transferred to XXXX on the Escalation Line. XXXX advised me that my most recent payment due XX/XX/XXXX was applied incorrectly which accounts for the past due status on the account. Due to TFS incompetent handling of the account I am requesting the assistance of the CFPB.
|
| 12/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
I have been a customer of Toyota of XXXX since XX/XX/XXXX. I purchased the XXXX XXXX XXXX, the XXXX XXXX XXXX, and currently the XXXX XXXX XXXX. My problem is with the XXXX XXXX XXXX, which I purchased in XXXX, XXXX.
This vehicle was listed for approximately {$28000.00}. But I was pressured into engaging with so many unnecessary after market add-ons. The result was that I ended up signing off the car at approximately {$47000.00}. After realizing this was too high, I returned to the dealership two or three days after to complain. They made some cosmetic adjustments bringing down the cost to about {$45000.00}.
I pay {$780.00} a month for this vehicle. I was forced to sign off this vehicle because I needed it for family use and for me to drive to school on time. Toyota of XXXX told me that I shouldn't worry about the cost because after six months, I should be able to refinance the car for a better and comfortable monthly payment.
Now, I'm struggling with a mortgage, Student loan and car loan. I need someone to please intervene for me.
Thank you and have a blesses day.
|
| 12/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Servicemember |
|
On XX/XX/2019, I purchased a vehicle from XXXX XXXX in XXXX, AZ. I put {$10000.00} down and financed the rest with Toyota Financial Services. I was told they use XXXX, so I immediately lifted a Credit Freeze on my XXXX account. On XX/XX/2019, I received a call from Toyota Financial about a Fraud Alert on my XXXX credit report. I was asked to answer a couple of questions which I did. I assumed everything was resolved. On XX/XX/XXXX, I received a letter from Toyota Financial saying they were denying my credit because " Unsatisfactory resolution of investigation in response to receipt of fraud alert. '' No mention of the XX/XX/XXXX communication was noted nor was the credit bureau which was the source of the fraud alert. I am working with the dealership to try to resolve this but wanted to report this to you because the situation is egregious. I did what is required of me by law to respond to a Credit Fraud Alert by answering the identification questions on XX/XX/XXXX. One month later to deny my loan is a violation of my rights. Thank you for consideration of this matter.
|
| 12/03/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Problem with a trade-in
|
|
Web |
|
|
On Friday XX/XX/XXXX I went to XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, CA XXXX to shop for a car and also sell my call.
They offered me {$10000.00} for my XXXX XXXX XXXX, and accepted the offer. They were going to pay the amount due to the Bank ( {$6100.00} ), which they did, and pay me back the difference, which I have not received as of today.
I leased a car with them ( XXXX ), I paid a down payment of {$500.00}, and agreed to monthly payments of {$360.00}, including GAP insurance and wear and tear.
I have been reaching out to the person that we made the agreement with ( XXXX and XXXX ), and they had been telling me that they were going to reach out to me, but took several weeks to do so.
I received a call today from XXXX ( XX/XX/XXXX ) to let me know that they were not sending me a check, and I stated that was not the agreement. Then he said that he was going to reach out to the sales manager ( XXXX ), which I never spoke to before and did not even talk to him when I was in the dealership.
I want to resolve this and get the money that is owed to me.
|
| 05/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX and XXXX XXXX is trying to make me pay a bill of {$62.00} showing on year XXXX , in XXXX XXXX XXXX . which I did not live there since XXXX . Also XXXX in same year and date of XXXX has also placed on my credit reports that I owe {$280.00} and then it shows {$280.00} on another credit report. I do not owe either of these debts. Neither will remove these from my credit reports. I have verified proof I did not live there during this period of time. I have lived in XXXX since XXXX . I have filed a police report of I.D . theft and submitted the file and all paperwork to both companies and no positive results yet. Because of this XXXX has droppe d my credit score XXXX points. I demand these companies to remove all records from my XXXX credit bureaus. I will file a lawsuit if necessary. Toyota Financial Services reported a late payment to my XXXX credit bureaus which was not late. The payment was paid on time. Date shows XXXX , which I have also contacted Toyota and t hey said it showed no late payment, but it is on my credit reports.
|
| 12/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
When I want, the problem is when I went to buy the car the car had almost XXXX miles on it. They told me they were going to give me the car for {$50000.00}. I gave {$3000.00} down payment and they went through all the contracts and everything I signed whatever I had signed, but I never received the contract, when my first payment came supposedly I was going to pay {$700.00}. My first bill came to {$1200.00} so I called them and I said there's something wrong and they said no this is what we have. This is what you have to pay you have gap insurance you have this you have done this this, I said I didn't want none of that and I called to see when I was going to receive my contract, when I receive my contract I see that they charge me XXXX for the car XXXX not the XXXX that's the problem I'm having you know I have been paying the car and trying to get this fixed with them but they say they can't fix this if I am giving the car, my credit will be affected. I will have a repo and things like that so I don't wan na mess up my credit so I need help and I don't know what to do
|
| 01/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
On XX/XX/XXXX I entered into a credit consultation agreement with XXXX XXXX XXXX XXXX XXXX, credit consultant manager and Credit Repair Today promising to improve my credit worthiness which I later found out My credit rating was a fico score of XXXX. I was later contacted by a XXXX XXXX XXXX on XX/XX/XXXX stating that I qualified for a special offer and brand-new vehicle. At the time I was XXXX years old and very naive. I unfortunately entered into retail installment contract with Toyota Motor Credit on XX/XX/XXXX. According to Toyota Motor Credit, I still owe {$8500.00} to date which is outrageous to say the least. This account has been open for 6 years and 2 months and I am still submitting monthly payments of {$450.00}. XXXX on a XXXX XXXX XXXX under a % 17 interest rate and {$4.00} per diem. I believe that the amount owed is incorrect and that I have satisfied this account. I have paid {$31000.00} as of XX/XX/XXXX to Toyota Motor Credit.This company has been unfair in their practices with me as a consumer. I have been a victim of non-disclosures and deception.
|
| 05/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I had started out to finance a new car as I currently had became diagnosed with XXXX XXXX, I had gone to the dealer of Toyota which was XXXX XXXX in XXXX XXXX Maryland.
It was a XXXX XXXX XXXX and as I drove it home my wife had driven it as well she had been hospitalized for the seats that caused a severe XXXX injury in default of the seatstgat were a malfunction. I then returned the vehicle back to the XXXX XXXX XXXX in XXXX XXXX Maryland to where they had no problem to return it and the proceed to give me a XXXX XXXX XXXX I had only owned it a few months then the vehicle brake system cause me to jerk as I proceeded to stop every time I drove it. Once again I returned it back to the dealer where the sales representative gave me a XXXX XXXX XXXX XXXX I was not there to pick up and my wife had got it with my consent.
Bottom line the car was voluntarily surrendered due to me falling out of it.
The complaint is that they accepted the returns of the vehicles I had without legally giving the negative equity information so it was an injustice consumer manipulation.
|
| 04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XXXX of 2017 I turned in a lease early because I had a baby and was unable to use the XXXX seater. When I received the bill and it was twice what it should have been, I asked for documentation and clarification that never came. Dealing with a newborn as a single mom, I let it go.
Now over 5 years later, I have now disputed this debt nearly XXXX times over XXXX years. I have asked for proof and documentation over and over again, but all XXXX XXXX will send me is a negotiation for settlement. They clearly have my correct address and have refused, nearly XXXX times, to provide any sort of documentation. Yet will continue to falsely report and try to negotiate a settlement.
The amount needs to be proven- its over double what it should be. The dates are almost all incorrect, including the last payment, the payments that were made, the open date and the close date. The payment history is also inaccurate.
When they can provide how they got to the number they claim I owe, and can correctly report that information, I will stop asking them to do the right thing.
|
| 06/25/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XX/XX/2019 : My family and I leased the car for {$250.00} per month, which was due on the XXXX of every next occurring month.
Around End of XX/XX/2019 : Toyota Financial Services ( TFS ) called us and said that they didn't receive the payment although the bank statement proves otherwise, showing that it was deducted.
XX/XX/2019 : The monthly payment was refunded. This is an important detail, although seeming minor.
XXXX, XXXX, XX/XX/2019 : They took the monthly lease for the car successfully.
XX/XX/2019 at XXXX XXXX : They towed the car away and said that we didn't pay them for three months of the lease.
XX/XX/2019 : We payed {$1200.00} through the phone using a debit card. For the tow services we payed {$130.00} cash.
In summary, the company relentlessly refused to acknowledge that we payed for the car despite sending our bank statements to TFS which was enough proof. They refunded the XXXX payment on purpose so they have a reason to tow the car, as their policy states that our car can not be towed if we payed for three months consecutively.
|
| 03/24/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a auto loan with Toyota Financial services. The loan is in my name exclusively. My soon to be ex wife called them up and removed my phone number as the contact and went paperless. For whatever reason customer service allowed this. I stopped getting notices so I figured the bill was being paid. Unfortunately this is the 2nd time they allow her to do this even after I made it explicitly clear she was not to make changes to the account.
I am know being reported for XXXX 30 day latest. This is effecting me and my job. I am a XXXX and I worked hard at keeping my credit clean. My understanding is that no one not a wife or parent can call in or a loan and change contact information.
I said to then I could bring it current if they were willing to fix my account information and remove the lates. I of course brought it current any how. But I am afraid my information is not safe at this company since anyone can call in with my Social and change or receive stuff..
To this day they still have her email address on file and have n't updated it back to mine.
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My car insurance company paid off the bullk of my car loan to Toyota financial and my gap insurance that was also from Toyota financial was supposed to pay off remainder of balance I called gap insurance they said they paid it off and emailed me confirmation but never received it. On my credit report it say my Toyota acc. Was closed and they double back and put my acc. As bad credit write off that is now hurting my score. Now I call Toyota financial back and they are just transferring my back and forth without telling me who they are sending me to next thing I know I'm speaking to some who say they are debt collectors for Toyota financial and I owe them money and I'm like my acc. Is closed paid off at no time anyone from Toyota tell me otherwise. I need them to fix there error and I hope there calls are being recorded to prove what I'm talking about but rather than them explaining to me what's going on they keep transferring me telling me they have no info u have to speak to another department witch turns out to be debt collectors if that is even true.
|
| 10/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
The problem is with Toyota Financial Services.
Toyota claims that I am 2 payments behind and have been sending me default notices all year long starting in XXXX of this year. At first I immediately sent them the extra money thinking that it would solve the problem I did not even look into it not realizing that I was never behind, in fact I should be a little bit ahead. It the beginning of the pandemic I decided to change careers in an attempt to stay on track with my payments.
I have reached out to Toyota Financial Services about this issue. I have even gone to the trouble of faxing them bank statements showing my payments.
This issue currently holds down my credit score in a way that I feel is unfair and unjust.
Currently Toyota Financial Services is accusing me of being late again. I have received a notice dated XX/XX/2021 accusing me of default on 2 payments beginning with XX/XX/2021. They want me to pay them : {$380.00} by XX/XX/2021.
But this time I have a screen shot of my transactions from their own website showing that I am not in default.
|
| 10/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have a Toyota Financial car loan. Upon purchase, I set up automatic payments through TFS. Without informing me, TFS stopped the automatic payments. TFS does not send me paper statements even though I have called repeatedly and asked for them to be delivered. I can not access the online account even though I have called repeatedly about this issue. When TFS stopped my automatic payments, I was unaware that this had happened. TFS did call several times, but they did not leave a message. They just hung up. Because of the hang ups, I assumed that this was a scam call. They finally sent a statement for XX/XX/2020 when they had not taken out three payments. TFS charged me late fees and reported nonpayment to the credit bureaus. I did not stop payment ; they did. This is their error. If you read other complaints to XXXX and CFPB, this is a commonplace complaint against TFS. The resolution I request is updating my credit report and refund of late payment fees. Please note : I have also filed a complaint with the XXXX. This has not resulted in a resolution.
|
| 03/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
As on all XXXX of my credit bureaus Toyota motor company has filed inaccurate information on me, they refuse to remove it but under by it 's very name, the Fair and Accurate Credit Transactions Act places new emphasis on accuracy of information in consumer reports. XXXX FACTA sections aim to improve the accuracy and integrity of information as well as give consumers a new right to dispute data included in reports directly with the company that furnished it. These sections are : Accuracy guidelines for financial institutions and creditors that furnish information to credit bureaus. ( FACTA 312 ( a ), FCRA 623 ( e ) ( 1 ) ).
Ability of consumers to dispute information with companies that report to credit bureaus. ( FACTA 312 ( c ), FCRA 623 ( a ) ( 8 ) ). This information has to be removed or I am going to sue Toyota motor company for false inaccurate information. This needs to be done ASAP. This is a clear volition of the credit act, it was removed from all three bureaus and then placed back on again this again is a violation of the credit act as well
|
| 06/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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We applied and were approved for a new car loan through Toyota Financial Services. We also requested their advertised {$500.00} rebate through their " XXXX XXXX XXXX XXXX ''. The car dealership ( TX ) loan officer said that my child needed to provide an official transcript showing enrollment in an accredited graduate program and a current pay stub to qualify for this program. We provided a transcript from the university XXXX XXXX XXXX showing that they are accepted, enrolled, and will be starting XXXX school at the university. We also provided a paystub for the past month from a US govt agency showing that they had a job and was being paid through a fellowship administered by the government agency. The loan officer now claims that these documents were not accepted by Toyota Financial Services as proof of enrollment in graduate school and employment. They are now claiming to need letters from the university XXXX XXXX and the government agency stating my child is enrolled and employed, respectively, This really feels like a bait-and-switch program.
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| 05/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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Toyota Financial Services DENIED my request to change my payment due date to the XXXX of the month for more than a year ago. Thus, access my bank account 2 times per month on the XXXX of each month and then REPORTING to the credit bureaus INCORRECT INFORMATION about my payments. I should be compensated for this inconvenience because the INCORRECT INFORMATION has affected my credit score as well.
I also would like to QUESTION the APR because I was given an APR of 16 %. While my white counterpart who 1 a man and the second a woman with the same credit score got a LOWER APR.
I will like to get REASON ( S ) why my APR was so high when I have a SSD check yearly statement as proof of my INCOME, lived at the same RENTAL since 2014, paid all my utilities gas, water, heat, cable and electric bills as well. One the the white person who received a LOWER APR WAS HOMELESS AND THE OTHER HAD A CREDIT SCORE OF 5.0 I believe that I received a HIGHER CREDIT SCORE as per a NORM for black and Hispanic people who are doing business with Toyota Financial Services.
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| 09/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Notice to repossess
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Web |
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My car was illegally repossessed. On top of that, the contract I had with Toyota had several violations so I requested to rescind the contract. Multiple times. I have given many notices with no response, and one day they just come and repossess the car.
Toyota can say that I have defaulted on payments, but Toyota is at fault by committing FRAUDULENT MISREPRESENTATION, UNFAIR PRACTICES ACT, TRUTH IN LENDING ACT VIOLATIONS. The contract between me and Toyota was fraud and voided once I discovered the violations, so Toyota had no right to repossess my property.
I can support my claims in court, and I have notarized the affidavits of truth that I have already sent, and I have also notarized the rescission notice. I have also kept all certified mail documents to prepare a legit claim against TOYOTA FINANCIAL.
In closing, if Toyota Financial Services so chooses to come to an agreement, then it is my wish that the following terms be provisioned so that my equitable interest can be restored. Otherwise, I am fully prepared to file a claim in court.
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| 02/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Started a bankruptcy in XXXX started paying trustee in XXXX couldn't afford the bankruptcy and the auto payment so I fell behind. Auto loan is not under XXXX so tried to get on an agreement they wouldn't work with me said I had to go through XXXX XXXX and file a court document to get on a 6 month pymnt plan. XXXX XXXX said I shouldn't have to and didn't want to but did anyways. We got a written agreement to pay XXXX a month starting XX/XX/XXXX. I paid the amount on XX/XX/XXXX I have an email confirmation. They attempted to repossess my car on XX/XX/XXXX. The guy felt bad gave it back after showing proof of agreement. I had contacted XXXX he contacted lenders XXXX they said it was a mistake. Then thought nothing. Then car gets repossessed on XX/XX/XXXX without my knowledge. Now lender is saying my agreement is not valid. When it's in writing and it feels like it has been stolen from me. I would also not be so behind if I was aware the agreement wasn't valid as well as make sure it didn't come to repossession and have to pay a repossession fee.
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| 04/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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On XX/XX/2018 I went to a Toyota dealer to purchase a used car with a low APR. The entire negotiations over price included me requesting a low APR. The dealer and I agreed on a price and before the dealer would allow me to read the contract I was required to pay {$4000.00} deposit. I used my credit card, and the {$4000.00} was charged, then the time was spent switching the plates and registration from my old vehicle and then securing insurance. Finally after hours of negotiating, paying, transferring plates, etc. the dealer finally printed out the Retail Installment contract. I did note that the interest rate was 7.14 % instead of a low APR and I immediately protested. The dealers said that my credit was not worthy enough for the lower APR and that it was too late, I had already paid the {$4000.00} and there was nothing that I could do. There is no reason that I should not have qualified for the advertised lower APR. I should have been told the interest rate was going to be 7.14 % before they took {$4000.00} from me. I felt scammed and angry.
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| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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In XXXX of XXXX and XX/XX/XXXX. I got a letter from State of XXXX Department of Licensing. That my personal information including SSN, ID, Address, email, full name, date of birth. XXXX exposed do a data breach to their systems. Some account ware open under my personal information. I have a new police report from the city of XXXX XXXX. Now this account is showing on my XXXX credit reports agencies XXXX, XXXX and XXXX, XXXX months ago and it was place back on my credit report. I have disputed this account XXXX times now, is not my account this a fraud open in the middle of the pandemic. I have requested TOYOTA MOTOR CREDIT to please provide proof of me giving then my signature for this Loan. My request is for XXXX, XXXX and XXXX to delete this account XXXX and for all from my credit report. TOYOTA MOTOR CREDIT # XXXX Date Opened : XXXX XX/XX/XXXX Responsibility : Individual Account Loan Type : Unsecured Loan Revolving Account Balance : $ {$51000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$740.00}
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| 01/26/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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I leased a XXXX XXXX from Toyota Financial Services in XX/XX/XXXX. All lease payments were made on time - and even in advance. I had paid everything through XX/XX/XXXX when I returned the car to a Toyota dealership on XX/XX/XXXX but it appears that it took Toyota a couple of months to process the paperwork. I have called them numerous times, and even attempted to send them the receipt from the dealership showing that I was no longer in possession of the car since XX/XX/XXXX - all to no avail. They don't accept emails and apparently their fax number is never monitored.
Toyota Financial Services posted a late payment note on my credit report for the month of XX/XX/XXXX, almost 2 months after I returned the car, and they won't bulge. They won't even return my calls!
My XXXX credit score, which I monitor through a service, went down from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. It is unacceptable that I should pay a price for their highly disorganized services and their total lack of customer support. I will never lease a car with them again.
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| 06/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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In due of respect to Toyota Financial Services, I requested cancellation on GAP Insurance and Extended Maintenance cancellation First Extended Services and they don't want to cancel the extended service.
I also sent various emails to XXXX XXXX XXXX in XXXX XXXX XXXX to respectfully cancel all options on auto loan and respectfully requested a lower affordable payment of around {$300.00} a month.
Also requested a payment extension from XX/XX/XXXX till XX/XX/XXXX because of my Financial Hardship and Coronavirus Pandemic issues and family Hardships.
Mr.XXXX is the Manager and my auto loan originator.
Mr.XXXX XXXX email is XXXX contact number XXXX.
Federal Government can archive all email contacts to Mr.XXXX and Toyota Financial Services.
My request is with Honor and Respect.
A Federal Discrimination and Retaliation complaint was filed against Toyota Financial Services with ADA Department of Justice on XXXX XXXX # XXXX XXXX XXXX Act Violations.
I am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX Veteran.
This is a Urgent Matters.
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| 04/23/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I went to buy a car in XXXX XXXX in XXXX XXXX XXXX XXXX XXXX CA XXXX and the guy named XXXX XXXX and he lied to me when he did the contract he said that lease was better than buying because my payments could be lower and that i could also keep the vehicle anyways but when my lease term was over the finance company named toyota finance are charging me {$6000.00} for returning my car on top of the almost {$35000.00} i paid in 3 years for leasing the car.. I am mad because I have gone through XXXX to speak with XXXX and he is never there he is always avoiding me when i go there and try to talk to him they told me i needed to sign a document of returning the car and that I owe {$6000.00} and if I did not sign it they could impound the car and mess up on my credit report .. I am crying because i am mad on how these people screwed on me ... I need help I am not working i dont have a job and cant even pay rent and now this .... they said they will screwed on my credit report if i dont pay them the {$6000.00} dollars .... I need help please ... ..
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| 04/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Late last year ( 2022 ) Florida was hit with two back-to-back hurricanes which devastated XXXXXXXX XXXX XXXX Florida. A state of emergency was declared and millions were severely impacted by the back-to-back hurricanes. I am self employed and suffered a severe financial hardship as a result of the natural disasters. I called Lexus Financial Services/Toyota Motor Credit Corp shortly thereafter to apply for financial hardship assistance and was denied because the area I lived in did not qualify for financial hardship assistance due to the natural disaster. In other words, I lived " outside '' the area they deemed as affected by the hurricanes and thus did not qualify. Their decision to deny financial hardship assistance has resulted in my family and I struggling to keep up with payments while they use aggressive collections tactics ( including calling relatives ) to force payment. They have repeatedly threatened with repossession as we never seen to get caught up enough to get out of their repossession eligible status ( 50+ days past due ).
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| 01/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I received an alert from XXXX XXXX alerting me that I voluntarily closed my Toyota Financial account. I just simply paid off my loan. Considering that there is an existing investigation with Toyota, I should not have a closed account. If anything, the account should say PAID IN FULL. My XXXX Credit score decreased by 58 points due to this error. I have been paying this loan for a little over 6 years and am very aware that if I voluntarily have Toyota Financial to close the account, I lose Credit length and perks due to paying a loan in full. This needs to be put back on my report. Removal of this from my report is a derogatory mark. It makes no sense considering that I still have an open dispute on an account that has an open dispute. I called yesterday and the rep said that maybe the credit bureau removed it, because Toyota has not yet reported. Reporting happens at the beginning of the month, according to the representative. I do have my title but I never voluntarily agreed to having a closed account and derogatory mark on my report.
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| 09/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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Twice, in 4 billing statements ( first 4 specifically ), Toyota XXXX has sent me a bill that includes a due date, but will not let me pay it online on the due date due to either a holiday, weekend, or both. This time, due XX/XX/2022 ( today ), I made an online payment before the cutoff time ( around XXXX XXXX ), the website said it would not be applied by to the due date due to being past the cutoff time. It then said it would be applied XX/XX/XXXX, and then after it was paid, it the payment receipt shows it will be applied the XXXX ( I have screenshots of the whole process ). XXXX I hasnt responded to me on a prior complaint of this, nor about a refund I have been due for weeks/months due to dealership sneaking in an extended warranty that is basically the manufacturers warranty. Nobody seems to be holding these institutions accountable. If I have a bill that says its due the XXXX, and they accept my payment that date, why are they able to say they will take it but not apply it? Its a good fraud, and there needs to be accountability.
|
| 11/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
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Web |
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Toyota Financial Services has an auto draft option that I have set up on their website. My last payment on the invoice was {$660.00}. Toyota Financial Services draw drafted incorrect amount of {$660.00}. Therefore, there was an overpayment of {$0.00}. I understand that it is a small amount but that is still my hard earned money. At the same time, it is their system 's fault that it drafted the incorrect amount. I contacted their help support XXXX times and in their latest response, they stated that because the money is less than {$1.00}, they refuse to send a refund check. If this is the case, this is not a good practice. If they have a system issue and decided to OVER draft millions of customers.
XXXX XXXX or any small amount less than {$1.00}. If they overdrafted XXXX XXXX customers, that is potentially up to $ XXXX they are KEEPING because they refuse to send a refund check for less than {$1.00}. That doesn't sound right to me. They should FIX their system OR refund every penny they INCORRECTLY drafted from customers like myself.
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| 09/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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Toyota Financial has refused to hold their end of the contract and issue a title release or even credit the account closed.
I called the middle of XXXX notifying them I needed an address to send a certified check, the gentleman who helped was very nice and provided an address to deliver the money to.
Toyota received the monies for the account on XX/XX/2018. Again this was a certified check from XXXX XXXX and included a master billing statement stating where the money was to be applied and the vehicle paid in full. I was expecting the account to be credited the following Wednesday since Monday was a holiday. That never happened.
I called Toyota on that Friday and they stated they had a " short week ''. As I am typing this I am on hold with them expecting to talk to a manager as promised about getting the title sent out ( notifying the DMV ).
Toyota has many problems with this same situation. I believe an attorney with adequate knowledge would find that a class action lawsuit against Toyota would end these criminal practices.
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| 12/13/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX Letter Dated : XX/XX/2022 ACCOUNT # : XXXX VIN : XXXX FIRST ATTEMPT Attempted to pay deficiency owed in the amount of {$3200.00} Toyota won't work with me in attempting to pay {$25.00} to {$30.00} a month until total amount is paid.
SECOND ATTEMPT : Asked if they could provide a credit amount on a credit card as to fix my credit rating with all Credit Bureaus. It would look good on my credit file and at the same time pay them what is owed. But they won't do that either.
I am willing to give them a second chance on the second attempt and we would both come out winners. All I need is a credit card issued by any of Toyota subsidiaries. Just enough credit on the card to pay off the deficiency and show them that I fell on hard times as I told their Collection Agency. The young lady at the Collection Agency was courteous and a professional. She understood the hard times that came due to the COVID19 pandemic.
I would not use the card until the full balance is paid for. PROMISE
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| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts listed are fraudulent. Should not be reporting on my credit report.
1. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine.
4. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine.
5. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine.
6. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine.
7. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine.
8. Identity Theft DEPT OF ED/XXXX Account Number : XXXX This is not mine.
9. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine.
10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
11. Identity Theft XXXX Account Number : XXXX This is not mine.
12. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine.
|
| 12/05/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Toyota Motor Credit Corporation ( aka : Toyota Financial Services ) filed a lawsuit on XX/XX/XXXX against me after the Statute of Limitations has expired for an unproven judgment entered on XX/XX/XXXX through the law firm XXXX XXXX XXXX XXXX XXXX. The amount listed of on XX/XX/XXXX judgment was for {$4800.00} of which {$6000.00} was due plus interest from XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX froze my retirement account for {$12000.00}. I filed for a show cause with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX and was grant a hearing on XX/XX/XXXX, which I attended without a lawyer because I could not afford one. Yet I was looking forward to the opportunity for my voice to be heard. But the Honorable Judge XXXX XXXX XXXX only had me to fill out a return envelope for his judgment. As a XXXX XXXX XXXX senior citizen, I strongly believe that my civil rights, and well as the written law that states that in the State of the New York that the Statute of Limitation of debt is three years, have been violated.
|
| 01/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
We are on Government orders to live and work overseas. We have a loan with TOYOTA Financial. Our XXXX XXXXXXXX XXXX XXXX, is stuck at the US port and can not be shipped overseas because Toyota Financial refuses to provide us a copy of the title, so we can provide to the Government transportation company. We have been without a vehicle for 6-weeks with no end to this dilemma in sight. We have been Toyota customer for over 15 years and we can not believe how Government employees are being treated during theses difficult times. We've left friends, family and belonging behind and now we can not even ship our vehicle because Toyota Financial will not support families transferring overseas on Government order and assignment.
The Gov shipping company will not move our vehicle without a copy of our title. The loan is financed and we are current on all payments.
We have been made been communicating on the phone for 4-weeks trying to get the title issue resolved no avail... We are being held back financially without a vehicle
|
| 07/11/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This complaint is for Toyota Motor Credit. Account information : Number XXXX, date opened XX/XX/XXXX, original balance {$16000.00}.
Toyota is to contact the appropriate credit agencies and have its negative credit marks reported on XX/XX/XXXX and XX/XX/XXXX removed from my account. The late payments were due to an online banking technical error, despite my intent and ability to pay on time. I also have prof from a third party company that was supposed to make the payments.
I have been a customer a Toyota leasing customer for the past seven years, having leased multiple vehicles over that time period. Upon commencing my initial lease in XXXX, I set up bill pay at through my account at XXXX XXXX XXXX so that all payments would be made in advance of the due date each month. I continued this practice for all subsequent leases.
All I want is a fair solution to my case. I am willing to provide proof from the third party company that was enrolled on Toyota. I am in the process of getting a letter from them.
Thank you.
|
| 11/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I've been waiting for a refund for an overpayment made to Toyota Financial Services ( TFS ). They provided evidence that the check was cashed but will not tell me where the check was cashed. The back of the check is endorsed with my name and XXXX XXXX XXXX XXXX. Is suspect a fraudulent signature. While the signature appears similar to mine but appears to be off a bit. XXXX XXXX has no evidence that the check was cashed into any of my accounts. I have no memory of depositing this check and TFS will not tell me where the check was cashed.
TFS tells me I need to have my bank send a Merchant Report to them but how can they send a Merchant Report to them if they never received a check. TFS is passing me off to XXXX XXXX and XXXX XXXX is passing me back to TFS. I'm in an endless loop.
Attached is all the recent correspondence I've had with TFS. I have talked with XXXX XXXX on the phone and they tell me that TFS has to investigate this.
If you are not the right agency to assist me, please let me know who I can contact?
|
| 10/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/XXXX I sent in a response letter to Toyota Motor Credit in response to my consumer complaint. After looking over my consumer report I made an uninformed decision when I entered a consumer credit transaction with your financial institution. I made an uninformed decision when I entered into an agreement without knowing the meaningful disclosure of the credit terms. I was giving a generic computerized agreement that is given to all consumers, who enters a credit transaction, without clear and conspicuously terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision this debt become null and void.
Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued hereunder, other wise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
|
| 03/18/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I wrecked my car on XX/XX/XXXX and settled with XXXX for a total loss on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX the whole settlement be sent TO them FROM XXXX instead XXXX allowing XXXX to send them their payoff amount and the balance to us. A check was FINALLY sent from XXXX to XXXX XXXX XX/XX/XXXX.
As of today, XX/XX/XXXX, we still HAVE NOT received our portion of the settlement from XXXX XXXX I have called probably no less than 10-12 times and get the run around every single time. They have to wait on procedure, policy, blah blah. The last time I called, XX/XX/XXXX, I was told that the lease was showing paid ( finally ), and that there was some sort of a glitch, but they still couldn't tell me when we should expect to receive OUR money. They have highjacked our money and are in no hurry to give it to us.
XXXX told me that most companies just let the insurance company mail the payoff amount to the lender and the balance to the customer, but not this time. It passed the point of being ridiculous about a month ago.
|
| 10/21/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Prior Covid-19 all our payments were automatic and never been a day late. When everything started we got a deferment letter from XXXX XXXX that would release us from payments of XX/XX/XXXX and XX/XX/XXXX with the new payment date at XX/XX/XXXX and supposed to be automatic accordingly with the conversation over the phone. But unfortunately it didn't go thought and it was reported 30 days late by the company. We only received a call after 30 days late and made payments of late and current month while we spoke with the person over the phone ; they were demanding a credit or debit card over the phone and we said no because we were at computer and this person got upset regarding that ; We deny provide a card over the phone due we were capable of make payments at same time we spoke with them. Week later it shows up on our credit report as 30 days later. We never been a day later on any account with them and we are about to replace the car with the same company which makes me wonder if I should do because what's happening.
|
| 04/29/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
XXXX XXXX of XXXX, Oregon leased a New 2019 XXXX XXXX to me. Using very stressful and high pressure tactics that included holding my registration for hours refusing to return it to me so I could leave. Eventually offered me a deal to pay off the last 2 payments of my current car lease through XXXX ( XXXX ) as well as pay for my disposition fee that I would pay on return of my XXXX to the dealership. The Disposition fee was added to my XXXX payments over time. They said they were sending the payoff to XXXX and I wouldn't have to worry about it because it would be taken care of. It has been a month and the money never got sent and I am now double paying for cars and still stuck with my XXXX. I have taken time off of work to talk to management and they said it was being taken care of already. Called, emailed and chatted and no one had taken initiative to fix the problem. I am now out about {$900.00} and double paying for the disposition fee with XXXX. I just wanted the company to follow through with what was promised.
|
| 12/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with a trade-in
|
|
Web |
|
|
I Bought a car 33 days ago from a dealership in Virginia called XXXX XXXX in XXXX XXXX. till today they did not finish my car auto loan process my car registration is expired i called them over 20 times they keep lying. every one is saying something different 2 weeks ago they said the contract has been sent to Toyota financial services i called Toyota they said they have not approved or received any contract under my name. i have an emergency back home and i need to travel i been postponing my travel for the past 3 weeks because of this. they did not pay off my car yet my previous bank is charging me late fees and interest they soon will put a late payment on my credit report.
i called the general manager today at the dealer ship and i told him i when you will pay my car off he said we don't know i said my car registration is expired he said come pick a new one i was like this is to much and want my car back he said no.
so they are not paying my car and they are not taking my car back.
i do not know what to do.
|
| 11/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I was bullied into an {$5000.00} extra warranty that I didn't want and a fixed rate after telling them that I already had a pre-approval letter. When I needed to use the warranty, I had to pay an astronomical deductible {$500.00} ( which cost more than the repair ) in order to use it. It was approved at 7 % interest, and they manipulated the numbers and claimed they couldn't finance me for less than 11.5 % and I literally had a pre-approval letter. I still have to make astronomical payments for a car that isn't worth that value and a warranty that is virtually useless.
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 that states ; I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ).
It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.
|
| 02/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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Purchased a new XXXX in XX/XX/2019. Financed through Toyota Financial. Told and shown that I can may additional payments towards principal of the loan without penalty. This is accurate however, you can not use online bill pay or the website provided by Toyota to make additional principal payments. Any additional payment is automatically applied towards your next payment. There is information that says if you want to make an additional payment towards principal you need to mail in a check! Who uses checks anymore? Or you can call them. So I called them and told them that I want every additional amount to be applied towards the principal. Can't do that. You have to call in every single month if you want it applied or mail a check. How in this day of computers can't you not take an additional principal payment? Sure they will take the extra payment but you have to jump through hoops to make it happen. How can this be legal? It is like they don't want people to pay their loans off early. How is this not predatory?
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| 06/21/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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In XX/XX/XXXX, we leased our XXXX XXXX in XXXX XXXX for an agreed monthly rate of {$480.00} for 36 months.
In XXXX, we moved to XXXX and reported this change to Toyota. Then they arbitrarily began charging us an additional $ XXXX with no explanation.
When we called ( multiple times ) for clarity, they just said that's our new rate now. Absolutely nothing is detailed or itemized on our monthly statements ( see attached ) so there's no clarity to be found there either. And when we asked them to provide some sort of substantiation or evidence of this increase, they flat out refused.
Further, this surprise increase had canceled our autopay without notice and our subsequent payment was late as a result which incurred a late fee.
Since our contractual lease agreement clearly states a monthly payment of $ XXXX and nothing has been renegotiated, then {$480.00} is all we are required to pay.
PLEASE NOTE : This account is under my husband 's name ( XXXX XXXX ) but I am an authorized person on the account.
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| 04/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/2021 i asked my lease company for a deferment they granted it said once I pay them {$360.00} the two payments i couldnt make would go to the end of the lease. On XX/XX/2021 i made the {$360.00} payment over the phone with a representative to start the deferment & Ive been up to date since even pay extra sometimes. I get a default letter in the mail I call XXXX XXXX XXXX they state i never made the {$360.00} payment I then brought up the bank statement told exact date & payment she then found it & stated the representative accidentally made the payment towards a month payment instead of the deferment so when i made my next monthly payment it went to the deferment & not my monthly payment causing me to be behind & report to my credit that i wasnt making on time payments they apologized & assured me they would fix the payments & take the negative credit report away now as Im typing this this is my second time on hold today for over an hour. They wont take my calls or call me back to fix the situation
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| 11/08/2019 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Thank you for your recent contact dated : XX/XX/2019.
I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
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| 11/09/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I keep receiving calls from Toyota financial about my XXXX payment for a 2021 XXXX XXXX. I have talked to customer service numerous times. And told them I traded the truck for a new XXXX XXXX. I told customer service I am not the owner of the truck anymore. They have received the check from the dealership from where I traded the truck into for the correct payoff amount. Toyota is refusing to cash that check because they say they need the odometer statement from the dealership that I traded my truck into. I have told them multiple times to call the dealership on themselves and take care of this problem because it is not my problem it is theres they have told me that they have. And have gotten no answer from the dealership. I have tried myself, and I do not know if the dealership has responded at this time. Toyota financial is still holding me responsible for payment for a truck that is sold and they have a check for this problem needs to be taken care of immediately and thats what these complaint about.
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| 01/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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hi dear. Sir/madam ... I did buy a car from. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX n y XXXX that time i have good credit and i only pay {$350.00} dollars down payment. I agree to buy the car {$15.00} but they changed me maximum intereste rate 15.74 % I did pay them last payment XX/XX/XXXX after that I have financial problems and I 'm sick I ca n't pay them {$460.00} dollars so I hold them XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX by XX/XX/XXXX when I 'm 2 person came from Toyota Motor credit corporation. And the took my car. And the told me you have to call them but? that I m very help less I can not find any solution after one month the send me a later today pay them {$15.00}. I 'm from XXXX if there any chance to taking care me. So please CFPB. Help me why I have to pay them 15.72 % interest it 's almost {$13.00} dollars interest just buy a used car # XXXX thousands miles XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please review my complaint. And find for me the best life. Thank you All!!!
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| 05/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had a lease wi th Toyota Financial Services. My car was in the accident and it was a total loss. I had full coverage with insurance and they supposed to pay for the car in full. But they had issues with body shop where I took the car, so they did n't pay in full. I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid t o Toyota Financial S ervices Since insurance company did n't pay in full initially, Toyota Financial Services p ut a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report. I always pay everything on time and do n't have any missed payments ever, but with this situation with TFS and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.
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| 02/18/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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In XXXX I bought a brand new XXXX. In XXXX I got a letter in the mail that the dealership wanted my car and I could trade in my XXXX for a XXXX and no cost to me and that they would keep the same monthly payment. My monthly payment was originally XXXX in XXXX. Now its XXXX a month XXXX. I went to the dealership and asked why it was so expensive. They said they added the old loan to the new one and that they had sold my car already so I can't get it back. They said my only option was to refinance in a few years. I went to my bank and they said they wont refinance because theres negative equity. So now I'm paying for 2 cars when I only have one. My XXXX XXXX XXXX XXXX costed me XXXX. This XXXX XXXX XXXX XXXX is priced at XXXX but they combined both loans to total XXXX. I called to see how much I still owe its XXXX. I dont understand why I'm paying for both vehicles when they already sold the car and I'm only driving one. If I knew they were going to add the loan on I would have just kept the first car.
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| 07/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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At XXXX XXXX XXXX in XXXX XXXX, FL I was approved for a lease on a XXXX XXXX XXXX. My father passed away in XXXX & resulted in the loss of his home as well as documentation I had pertaining to the lease agreement on above vehicle.
I voluntarily surrendered the vehicle to XXXX XXXX XXXX in XXXX.
The vehicle was over mileage agreed in lease by XXXX miles but in perfect condition.
I have contacted XXXX multiple times regarding settlement etc on above loan & they werent able to verify my information properly and then stated I owed {$11000.00}.
They could not explain as to why that amount was owed and refused to send documentation regarding above amount.
The account was CLOSED by XXXX in XXXX.
The account has been fraudulently reopened as of XX/XX/XXXX after a phone call with XXXX XXXX in XX/XX/XXXX.
I am being marked as still being in possession of above vehicle as well as fraudulent reporting of missed payments as of XX/XX/XXXX.
This is unfair! This account needs to be marked as closed!
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| 09/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was damaged or destroyed the vehicle
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Web |
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I purchased a brand new car from XXXX on XX/XX/XXXX. On the first week I started to have grindy noisy coming from the brakes. On the first XXXX miles maintenance at the dealership, I asked them to check the brakes and they told me it was fine. On XX/XX/XXXX, XXXX of the brake pads fell down and the company addressed this issue as a manufacture defect and they fixed it for free. On XX/XX/XXXX, which is only after 8 month I started to have this noisy again coming from the brakes but I couldn't take it to the dealer due to the COVID situation. I took it there on XX/XX/XXXX for the same reason and they didn't want to fix it this time. They asked me to pay around {$1100.00} because it's not a manufacture defect. However, the first time they said it was. The car is not even 2 years old and only has XXXX miles. I purchased a brand new car to avoid this kind of headache. The car is XXXX XXXX XXXX. I looked on the internet and I found many people with the same car have the same complain about the same issue.
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| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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On XX/XX/2020, I had entered into 3-year lease agreement and set up automatic recurring payments until maturity. I then extended the lease for another 3 months, but due to a 2-month oversight/miscommunication, I assumed that the recurring payment would automatically continue post lease extension. The end of lease message on Mazdas financial services site clearly states that, if youve set up automatic payments, be sure to cancel them after youve made your final payment, contrary to action Mazda has taken to cancel automated payment at lease extension. Also, I have not been alerted via email of a late payment which I would normally receive. As a result, my payment history was flagged as a negative 60-day marker with TCNA and across all 3 credit bureaus, despite the fact that I had brought the account up to date after being alerted by XXXX of a 60-day late notice. It is worth noting that I have had a XXXX credit score and a solid payment track record with Mazda financial services prior to this event.
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| 04/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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I purchased a new XXXX XXXX XXXX with a 60-month 0.9 % loan from Toyota Financial Services ( TFS ) at the dealership. I purchased an extended warranty at the same time. I then called my auto insurance company and realized that the extended warranty duplicated existing coverage. I terminated the extended warranty 48 hours after purchase, as permitted in the contract. The total amount of the auto loan was reduced accordingly. However, TFS says that the monthly payment amount on the loan will not be reduced. Instead the term of the loan will be reduced.
I signed up for a 0.9 percent loan for 60 months. At the current monthly repayment amount, the loan will be repaid in 56 months. Shouldn't the 60 month term of the loan in the contract be honored? I was allowed to cancel the extended warranty without penalty. Requiring me to pay back the loan 4 months earlier seems to constitute a penalty.
I have said this to TFS by phone and letter and they say that what they are doing is " standard practice. ''
|
| 06/02/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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In response to my complaint to CFPB Complaint number XXXX, Toyota shows that they have removed the account from my credit report instead of updating the Credit Filing Rating Status to " GOOD ''. They refused to show me dates that show my wife, XXXX XXXX ( joint account SSN XXXX ) and I were late in which we were not and I showed them the many descrepancies they had on both of our credit reports showing the wrong last date of payment and they show XXXX XXXX day late payments instead of XXXX that is reported on all XXXX of my wife and my credit reports. All we wanted was our report to show a " GOOD '' rating and instead it looks as if Toyota took the account completely off our credits reports as if the account never existed. We just wanted both of our accounts to reflect a positive rating. Toyota account XXXX and my spouses ( XXXX XXXX ) CFPB Complaint number is # XXXX. It is a joint account and we both are trying to get this accouterments with Toyota cleared and our credit rating in GOOD standing.
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| 01/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I have tried time and time to get Toyota Motor Credit to remove late payments from my account from XX/XX/2022 and XX/XX/2022. I was out of work for a while due to having covid and being in hospital from XX/XX/XXXX til XXXX XXXX from covid. I am an XXXX XXXX and I got it from a patient trying to save their life and ended up with it myself fighting for my own life. I have paperwork and all from being in hospital and have offered to send it. They would not accept it. I have tried to contact CEO however the email is not correct and I seen on news at time once I was released that no late payment should be reported if you had covid which I did. I have not made any late payments since I returned to work and tried playing catch up from the months I was off. All other companies helped me get back on my feet and get the late payments for those 2 months off my report but Toyota Motor Credit which I feel is awful bc I was fighting for my life and now my credit has been punished due to these XXXX late feets.
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| 05/04/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I am writing because I really need your help. I am being affected by a late payment reported on my Toyota Financial account. This is the account information : Toyota Financial / Lexus XXXX Ac # XXXX, 2019 XXXX XXXX.
I called Toyota Financial several days trying to get a deferment but I couldnt get through. I was affected by income loss due to Covid19. Toyotas call centers were constantly backed up and I was not given the opportunity to defer the late payments.
This is being a very difficult situation for me and my family. By the time, I got through to Toyota, I was already marked late.
I really hope that Toyota makes a decision based on empathy, and takes in count the context of the late payment. I have never been late in the past, and this is a situation that I could not control.
I am requesting the late payment be removed from my credit report. I think this is the right thing to do for a consumer that has been with you ( Toyota ) for one year, and that has never been late.
Thank you.
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| 08/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I am writing in regards to my XXXX XXXX XXXX. My payment due date is scheduled for the XXXX of every month. On Friday, XX/XX/XXXX, I made the payment via the mobile app. After making said payment, I noticed that the post date had been scheduled for the following day, XX/XX/XXXX. I updated my payment to post on XX/XX/XXXX. This was done at approximately XXXX XXXX. As of today, Monday, XX/XX/XXXX, Lexus XXXX still has not taken the money from my account and I see no record of my payment online. Additionally, the website shows my account as Past Due. This is not only false information, but alarming to say the least, considering I have stellar credit and a perfect payment history. Representative said she had no record I changed my payment post date and said the account shows as past due because it is now the XXXX, and it does not matter that my payment had been scheduled for before the due date. Why does Lexus XXXX consider a payment made before the due date, or even on the due date, as past due?
|
| 01/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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In XX/XX/XXXX, I wrote a letter to Toyota Financial Services requesting a late payment for XX/XX/XXXX be removed as a courtesy. I received a letter back from the company after 30 days claiming that I have disputed the late payment & that the results were accurate reporting was being made for the late payment. My initial letter did not state I was disputing the late payment on my credit report, but I was asking for a courtesy removal for the late payment. My credit report now shows I have disputed the late payment which I never intended nor did write on the letter for the dispute. I continue to call Toyota Financial Services & I am told they are unable to have me communicate with the credit reporting team & that I will have to send a letter instead. Toyota Financial continues to report the late payment on my credit report, without any proper communication or feedback. Under the FCRA, a lender may not put my account under " dispute '' if a dispute was never intended not initiated by the consumer.
|
| 12/08/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Older American |
|
A year ago XX/XX/2016 the car was in crash was totaled. The car place in impound by choice cause the body shops would n't take the car. My grand son did n't get ticketed and the car was n't impounded. This was told to Toyota financial and Toyota guaranteed auto protection claim dept # GAP XXXX to payoff the car. However, all Toyota did give permission without me knowing to XXXX XXXX XXXX the impound to buy the car themselves from Toyota as total loss vehical. As of XX/XX/2016 the Toyota GAP has n't payoff the car. I contacted them as usual they give me round around that the recovery department has to apply for the claim. They transfer me to recovery transfer me customer service and they did n't know why I was transfer to them. I do n't know what do about it at this point. Also the car had recall do to " Accelration '' malfunction and that was accident as well they wont do anything about that either and they do n't answer the letters either. I bought this car joint with my grand son XXXX XXXX.
|
| 07/01/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
When my vehicle was repossessed I was not notified that I had a right to dispute.
Since that time the debt has been sold to another collector, but Toyota Motor Credit is still reporting on my credit report and updating it. This is after calling and trying to get information, but what was told to call somewhere else because they are no longer servicing the account and that the debt has been sold.
At one shortly after the repossession I called to set up payment arrangements. They would not accept my attempt to set up an arrangement at all. They kept telling that the account was in " limbo '' and would not allow a payment arrangement to be set up. As a result of this I lost a job opportunity because of this debt 's inaccurate reporting on my credit XX/XX/2019 ).
I have also previously filled a XXXX complaint ( # XXXX ) There is also inaccurate payment history reporting to both XXXX and XXXX credit bureaus. The account still reports as if it is open, but is also listed as a charge off.
|
| 11/16/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I recent purchased a car from XXXX toyota and gave my permission to have my credit ran ONCE on XXXX/XXXX/2015. This report came back on XXXX to be a XXXX. Since my application was approved by credit has been ran a total of XXXX other times since without my permission. this has significantly brought down my credit score due to hard inquires which were made fraudulently and without my permission, I would like these hard inquires removed from my XXXX. Since XXXX/XXXX/15 due to these other fraudulent inquires my credit score has when from XXXX to XXXX. Please look into this asap. Attach is the document to show the XXXX report i gave permission at the deal and the other attachment i the hard inquires i did not approve. please feel free to contact me directly. XXXX XXXX XXXX or XXXXXXXXXXXX refer to Case number : XXXX ( this is closed because i didnt reply back in time ) i have reached out the credit bureau but have had no resolution. and want my credit corrected and these hard inquires removed.
|
| 07/04/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I had a lease with Toyota, for a Toyota Camry XXXX, starting in XXXX XXXX thru XXXX XXXX. My wife is the primary driver and soon after getting the Camry, we wanted to trade the Camry back in and get something that sat a little higher up and would be better in the winter time. Between XXXX XXXX and XXXX XXXX, my wife or I went back to try to work a deal out with Toyota for getting another vehicle, and each time Toyota wanted {$75.00} - XXXX/month more for a vehicle, which was out of my budget. I finally went to XXXX and worked a deal for a XXXX Rogue in XX/XX/XXXX, XXXX agreed to pay the Camry off in full and return the car to Toyota, the XXXX salesperson called Toyota financial for a vehicle payoff amount and Camry was paid off. In XXXX XXXX, Toyota sent me a bill for a month 's payment, which was XXXX and a Disposition fee of {$350.00}, which Toyota claimed to be paid by XXXX/XXXX/XXXX. I did not pay it, and am filing this claim because Toyota will end up sending the bill to collections.
|
| 08/17/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
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|
I asked the designated Lease return salesman to explain the early termination clause. He said it wouldnt apply to me if I paid the lease off in full prior to surrendering the vehicle, which I did. The lease company then charged me an additional nearly {$4000.00} early termination fee, despite me paying the lease off in full. When I went back to the dealership just weeks after being given advice. The man was no longer working for the company. The company had also been sold and was now under new ownership. They state they have no responsibility.
I tried to get my leased car back and couldnt, as it was sold in auction.
When I tried to get written notice that my account was paid in full-lexus XXXX delayed the action for no apparent reason except to cause financial harm to me personally. The leasing company failed to have working phone services. Myself and others working on my behalf were left on hold for hours at a time. And offered nothing in writing stating my account was paid off.
|
| 06/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Toyota Financial Services showing late payments on one of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from Toyota Financial Services showing no lates during the period in question ( XXXX, XXXX, XXXX of XXXX ). They are using XXXX math and tricks just like XXXX XXXX XXXX did. ( see FTC vs XXXX XXXX XXXX ). They admitted their mistake on the phone. I want the CFPB to investigate Toyota Financial Services on their business practices on how they report on all their customers to the XXXX Credit reporting agencies. I feel I 'm not the only one they have hurt. Their mistake cost me XXXX points on my credit score. Contract monthly payments are XXXX. We pay XXXXmonth to help pay the loan off faster. They told me they REMOVED a XXXX XXXX payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.
|
| 04/13/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
Older American, Servicemember |
|
This is in reply to Company 's Response for Complaint # IDXXXX. At the time I responded to the company 's answer, I didn't notice the discrepancy in payment. I was told by the company that in order to pay off the car, I needed to send {$16000.00}. This was sent to them on XX/XX/XXXX -- a week before the end of the lease. According to the company 's response, quoted below, I was only required to pay {$15000.00}. The company owes me the difference - {$450.00}.
>> '' Thank you for bringing your concerns to our attention. Our records reflect that on XX/XX/XXXX, you executed a 36-month lease for a XXXX XXXX. The lease discloses the agreed upon value of the vehicle at lease inception XXXX {$31000.00} XXXX as well as the residual ( or price to purchase the vehicle ) ( {$15000.00} XXXX at lease end. We confirmed that beginning on XX/XX/XXXX, we provided you payoff quotes and payoff instructions on multiple occasions via our website and Integrated Voice Recognition ( IVR ) system. " <<
|
| 11/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have been in the process of closing my lease buyout with XXXX XXXX. I have paid all my lease payments on time, including the final check payment of {$10000.00} for the lease buyout. I received confirmation by phone that the check was received. They called asking for documentation about the lien agreement, and I submitted it to them on the Support Center. It has been weeks and they have not closed my account. It is showing I am {$500.00} past due on my account, which is incorrect because my lease ended on XX/XX/29 and they still show I need to pay. I have called at least XXXX times to have this resolved and my account is still open. As a result, they have put derogatory marks no my XXXX XXXX which has made me lost almost XXXX points! I do not know what to do about this and am pretty upset because it has affected my XXXX XXXX that I have worked so hard to keep above XXXX. They said they would close my account and request the derogatory marks be taken off but it has yet to happen!
|
| 10/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
The interest fluctuate. Its never consistent. I have a 2.9 % interest rate and a monthly payment of XXXX. With my calculations thats a {$30.00} interest rate. However they say they have a daily interest rate of {$4.00}, which I am unaware of. Also I pay before due date and sometimes more. However I feel like Im being penalized for paying before time. The interest in order payment of {$1100.00} principal XXXX and interest {$230.00} on XX/XX/XXXX, payment of {$1100.00} principal XXXX, interest XXXX payment on XX/XX/XXXX, payment {$1000.00} interest {$810.00} and interest is {$230.00} on XX/XX/XXXX, on XX/XX/XXXX payment of {$1100.00} principal XXXX and interest is {$110.00}, payment on XX/XX/XXXX XXXX principal XXXX and interest XXXX, on XX/XX/XXXX payment of XXXX and principal is XXXX and interest is {$72.00} on XX/XX/XXXX payment of {$1000.00}, principal of XXXX and interest of XXXX and payment on XX/XX/XXXX payment of {$1000.00} principal of {$900.00} and interest of {$150.00}.
|
| 11/28/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
Made all monthly payments for Corolla XXXX by direct transfer between XX/XX/XXXX and XX/XX/XXXX.
Returned car to Toyota Dealer end of lease with XXXX miles UNDER allowance of XXXX for 3 years. Obtained new leased RAV 4 from same dealer on XXXX XXXX XXXX.
I wrote at least 4 times and called many times requesting process for returning Corolla at end of lease. No one EVER replied.
Eventually returned it to XXXX XXXX XXXX.
No damage, stains etc. XXXX XXXX employee, Toyota 'End of Lease Manager ' signed off on the excellent condition and mileage.
5 months later I get a bill from credit collection demanding {$830.00} - no reason or documentation given. Distributor/ Toyota Financial Services extremely poor customer service, you wait 20 minutes plus on Toyota Financial Services line regularly.
No one wants to help - just pass you off to credit collection when I was NEVER informed of any outstanding payment?
Buy/Lease a XXXX or XXXX. Maybe they want your business more than Toyota.
|
| 12/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I am sure you are aware of 88 Stat. 1514, and FDIC 6000 Consumer protection ch.4 Sec 161-173 [ Codified as 15 USC 1666 A-J ] all under the terms and defined The Fair Credit Billing Act and my rights as a consumer. I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from Lexus Financial Services for the interest I have earned, as a result Lexus Financial Services is trading my securities on the exchange. This has been done without my knowledge and constitutes that XXXX XXXX XXXX XXXX XXXX XXXX XXXX is committing SECURITIESFRAUD against me which is an automatic federal offense under XXXX.R. 5037 2018, Pub. L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] USC Title 18 sec 8 & HJR 192- All debt is government obligations.15 USC sec 1681 b 2 - Company is violating my consumer right to privacy.
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| 12/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I bought a truck with Toyota and the loan came from Toyota financials. I have always pay ahead to have the truck pay sooner but from the beginning if I enter any additional amount it will not go to the principal of the loan but only to the adding of the months so that place my acct a year ahead of payment but it was not reducing my principal. After talking to them they advice me the only way to get the totals reduce from the principal is to send money order or check with the acct # and stated principal only. Witch I did I have send four money orders with the info on them and specifically stated to place on the principal. But now I do n't see my balance going down but is the same and the posting on there is almost two weeks difference every time I talk to them there is always an excuse or that the percentage is correct. I have paid more then XXXX XXXX dollars and they are still keeping the interest no matter the total being lower and my payments are not being posted correctly.
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| 03/31/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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There was a car loan with Toyota Motor taken out in my name with me listed as the co-signer or joint owner. I did not co-sign nor jointly own a vehicle. I 've only purchased XXXX vehicles in my life a XXXX which was financed through XXXX, a XXXX and a XXXX financed through XXXX. The Toyota apparently was repossessed and resold leaving a balance in which is showing up on my credit. I 've disputed it with the credit bureaus as well as the creditor multiple times XXXX removed it but XXXX and XXXX nor the creditor will not remove it from my credit reports. I never co-signed nor signed a contract for a vehicle from Toyota and want this removed from my credit this is not my purchase. In addition, at the time of the purchase I was n't employed nor did I have any income to pay for a vehicle. Furthermore, I 've never has a repossession in my life, my XXXX was paid off in full with no late payments and I never missed a payment on my XXXX and I 'm still current in my contract with XXXX.
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| 03/31/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Last week I spoke with a representative from Toyota Financial about the struggles we faced with Covid 19. We were told that our XXXX and XXXX payments would be waived and our lease would be extended by two months with zero fees due to the pandemic. When I called on Monday to ask why the changes were not being reflected in our online account and it showed that I would be billed on XX/XX/XXXX, they said it was being processed immediately.
I called this morning to check on the status of our request and inform them that I would be reporting this to the federal government if they did not process the request as they had promised. They said that the request for my deferral had not been received until this morning and it would " take time '' to process. They are scheduled to bill my account tomorrow morning, the payment has not been shut off. This should be illegal as I was told four times by four different representatives from the financial institution that this would not happen.
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| 06/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I started out by disputing this inaccurate late payment with toyota in XX/XX/XXXX. I have still yet to get a proper investigation of this matter with either Toyota or XXXX and XXXX. Ultimately it is now on XXXX and XXXX to remedy the problem because they are reporting the inaccurate item. The creditor toyota tells me to contact credit bureau and the credit bureau tells me to contact Toyota. Both companies point fingers and do not do anything to help me out. As you can see from my attachment I have added my current dispute which was send on XX/XX/XXXX.In addition it has a copy of my XXXX online credit report which shows that this late payment is not even reporting on my XXXX account and hasn't been ever. It doesn't not make sense for a late payment to report on 2 of the 3 credit bureaus especially if it claimed to be accurate after your investigation. I was not late on this account and it is impacting my current profession significantly and needs to be addressed properly.
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| 07/27/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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The week of XXXX/XXXX/2017, I received a phone call from XXXX XXXX at XXXX telling me that I owed XXXX XXXX XXXX ( XXXX ) {$2700.00}. XXXX XXXX case number is XXXX. Her phone number was XXXX, fax number was XXXX, email address was XXXX. When I asked for proof of the debt, she would not verify the details or the debt and said that she was asked by XXXX to collect the debt. I had a previous auto lease with XXXX, and I currently have a new auto lease with XXXX. XXXX accounts in good standing. I am deeply concerned about the tactics used by XXXX and XXXX to try to collect debts that I do not owe. I have perfect payment history on all my loans. I have never had any delinquencies or collections. I have asked for proof of my debt, and provided XXXX proof of my payments to XXXX. But XXXX has failed to respond to my request of proof of debt.
The lack of proof from XXXX and XXXX makes this attempted collection really suspicious. Please help me resolve this matter.
Thank you, XXXX
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| 11/07/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I had a lease through Toyota Financial Services ( TFS ) which ended. I received a letter from TFS dated XX/XX/XXXX, stating I owed {$430.00}.
On XX/XX/XXXX I spoke with XXXX ( Agent XXXX ) who reviewed the charges. Most of the charges were incorrectly billed to my account. There was a questionable amount remaining of {$62.00}. That amount was for a pro rated property tax amount due from the previous lease holder ( the lease is a transfer ). XXXX was not sure I owed this charge and told me to call back on XX/XX/XXXX to confirm the status of this charge.
When I called back on XX/XX/XXXX, I was told the amount went to collection with XXXX XXXX. To avoid reporting to credit agencies I promptly paid the balance.
Going back to TFS on XX/XX/XXXX I have been transferred around several times and once again was told to call back.
In the interim I have been transferred to 5 different people, all from different departments of TFS ( or some other corporate entity of Toyota? )
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| 07/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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On XX/XX/XXXX, I was involved in a motor vehicle accident with my XX/XX/XXXX XXXX XXXX financed through Toyota Motor Credit/Toyota Financial Services. They are was deemed a total loss and my insurance carrier, XXXX, paid off the remainder of the loan and the title was signed over to XXXX by Toyota. I also had gap insurance. On my credit report, I am showing a charge off for a balance of {$700.00} on XX/XX/XXXX and late flags for XXXX, XXXX, XXXX, and XXXX. When I contacted Toyota to dispute this and get more information, I was informed that my account was closed and they were unable to access my account or help me in any way. This leaves me unable to dispute this with them and I have no where else to turn. The resolution I would like to see is the charge off removed from my credit report and that of my husband 's ( the joint account holder ) and the late flags removed for XXXX, XXXX, XXXX and XXXX on my credit report as the loan was satisfied and the title was released.
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| 12/10/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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1. I requested a couple off things and sent in a Payment coupon.
Because i didn't get any confirmation of received or accepted, i call in a recorded line with a person/employed of toyota. i ask if had received my documents i sent. I said i had sent a payment coupon for the total remaining balance / pay off / payment in full. I ask if he understood a payment coupon he said yes. I ask i was checking to make Sure i fill it out properly, I didn't sing it, i did put some ucc codes in and wrote the amount.
2. toyota also updated their website and in the process took peoples or persons ' AutoPay out including mine. The Bank accounts ' numbers to witch the payment get pull from. imagine if i took off for 3 months ' for the holidays starting XXXXXXXX XXXX XXXX XXXX. and not pay attention to any emails or text because you now i have it all on AUTOPAY rite. not if it was obstruct. witch will create a lot of problems. to which toyota would be liable. To be a breach of contract
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| 11/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I have called toyota financial a lot of times for then to give me a lower payment or help me out with a different car instead of this one. They asked me if I had an insurance then proceeded to tell me they couldnt help me out in that aspect. Whenever i would ask what kind of help I could recieve with the circumstances, they told me I could get Zero help. I had to explain to them i had no job at the time and asked for a lower payment and they couldnt help me out with lower payments or taking the car back. So I had to forfiet the car. Now theyre telling me theyre going to auction the car and make me oay whatever the difference is once they sell it. I dont find it fair and i cant afford to pay my bill now so i dont understand how they expect me to pay after. I believe they made me sign a lot of things I wasnt aware of when i bought the car, they didnt talk me through everything I signed. The last time I spoke to them they said theyd do whatever they can to ruin my credit.
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| 09/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Good Afternoon ; I was going through my credit report today again, specifically on a charge-off account from TOYOTA FINANCE LEASE from back in XXXX. I disputed this account and nothing was sent to me to legally verify this account. I'm still shocked the way you're reporting this account on my credit report because it continues to report incomplete, inaccurate, inconsistent, and unverifiable information, but yet you claimed that you verified. It's impossible that you verified this account because of the following errors.
3 different open dates reported ; 3 different date of last activity dates reported ; XXXX reports XX/XX/XXXX ; but XXXX reportsXXXX, and XXXX reports the DOLA as XX/XX/XXXX. Impossible!!!
Date of last payment is wrong ; Date of last activity is wrong ; Each bureaus are showing different payment history, such as " CO '', OK, and 30/60/90 days account status.
Date of the last activity is wrong ; PLEASE SEE ATTACHMENT AND DELETE FROM MY CREDIT REPORT!
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| 07/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX of XXXX, the XXXX Toyota XXXX that was leased was in an accident. The car was totaled by the insurance company then the balance of {$2000.00} was written/paid off. Since this was an accident and Toyota dealt with the insurance company for a final resolution, there was no information reported to the credit agencies in XXXX, XXXX, XXXX, XXXX or XXXX of XXXX. Once resolved, I received a balance and submitted the final payment of {$490.00} on XX/XX/XXXX. I leased 4 cars, all for 3 years from Toyota and was never late on any payments. After having the remaining balance removed from my report, I reviewed it this morning and I was surprised to see that I missed a payment which is false and the account is listed as " derogatory ''. I have had this issue in the past with Toyota, they lack integrity and have questionable business practices which is why I will no longer conduct business with them. I appreciate any help your organization may be able to provide, Thank you.
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| 07/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have leased a XX/XX/XXXX Toyota XXXX since XX/XX/XXXX . My monthly payment is XXXX . I requested a deferral of two o f my lease payments for the months of XX/XX/XXXX and XX/XX/XXXX . On XX/XX/XXXX and XX/XX/XXXX , I pai d two d eferral fee 's of XXXX each. I was told that the payments for the month of XXXX and XXXX would be added to the end of my lease. My credit reports show for the month of XX/XX/XXXX and XX/XX/XXXX that I am 30-59 days late. I also made two payments on my lease in XX/XX/XXXX with the final payment being made on XX/XX/XXXX and Toyota reported me 30-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for XX/XX/XXXX but declined to do anything further. This is impacting my life. I have now had XXXX of my older credit cards reduce my credit limit by XXXX dollars due to the way Toyota has reported.
|
| 07/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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On XX/XX/XXXX, two amounts were taken out of our checking account by Toyota Financial for the payoff. One amount was for {$2800.00} and another amount was for {$2800.00}.
The payoff amount was {$2800.00}. We received a credit check of {$1.00} Toyota has not responded to my requests to refund the second withdrawal of {$2800.00} and they do not even acknowledge having received it. The second amount does not even shown up on our " payment history '' on the account. indicating that they are not acknowledging having taken the money. They have been uncooperative and unresponsive to repeated requests to address the issue.
The overpayment was made by me " on accident '' as I did not see that the first payment had gone through - it was not showing up on my account with Toyota.
I am going to my bank tomorrow and reporting this as well, XXXX XXXX XXXX. Our checking account number is XXXX. Phone number XXXX.
The Toyota Account Number is XXXX. It was for a XXXX XXXX XXXX.
|
| 02/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2023 I signed two cancellations coverage for 2 policies I was sold in buying my car. The dealership signed the cancellations and the Finance Manager stated it would take a couple of statements for me to see the credit on Toyota Financial Services.
I contacted Toyota Financial Service today XX/XX/2023 and they had received no paperwork from any gap carrier or dealership XXXX XXXX.
I contacted each gap carrier and was told by XXXX at XXXX XXXX XXXX XXXX that XXXX XXXX from XXXX XXXX in XXXX had called them and told them not to cancel.
I drove to XXXX XXXX today and met XXXX XXXX who stated the finance manager had put a hold on my cancellation due to a possible claim. XXXX XXXX intentionally blamed the finance manager, I felt XXXX XXXX was not truthful - the Finance Manager did his job but the one who writes the check XXXX XXXX or sends the claim is withholding the information.
I feel XXXX XXXX acted to defraud me and my right to cancel these policies.
|
| 07/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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Toyota Motor Credit reporting 60 days late. This always shows on my credit report, which is not true. This is incorrect information, that Toyota Motor Credit reporting to the credit bureaus damaging my credit with false information. I disputed it with credit bureaus, and they changed nothing, just sent the mail that all correct they verified it. I disputed it with Toyota Motor Credit, and sent the proof as attachment with all statements from my checking account, thats the only proof that shows no 30 or 60 days lates. After all Toyota Motor Credit update the information with the same lates. I have the copy of disputed letters with attachments, and the proof of delivery ( mails was sent certified ). Please help me to remove this incorrect information from my credit report. I can send you the evidence of my payments and you can check that no lates on my account, and the Toyota Motor Credit going against the FCRA rules about accuracy, fairness of reporting information.
|
| 08/11/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
We had a XXXX XXXXXXXX XXXX leased and it was wrecked and was a total loss on XX/XX/2022.
Our insurance company paid off the lease XX/XX/XXXX, this year. Due to our large down payment and the value of the car we had approximately {$7000.00} of equity in the car. Payment made was {$35000.00} and the payoff was approximately {$29000.00}. The difference is due to myself and my wife.
Toyota Financial Services won't even confirm payment has been made, have not " processed '' the check, and have lied to me as I get a different story every time I call them. At this time they refuse to give us our refund due, or even a date when we can expect it. Their response is they are " very sorry for the inconvenience '' and they won't even transfer me to a supervisor.
I am currently XXXX due to a XXXX XXXX and those funds would really help us. We had to payout {$4200.00} to lease another vehicle with them and we really counted on the equity. PLEASE HELP US!
XXXX & XXXX XXXX
|
| 10/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Due to the Hurricane Harvey, I requested from Toyota Financial Services for a extension which they granted me for the months of XXXX and XXXX. I submitted it back via mail and followed up with them by phone on XXXX XXXX due to the overwhelming backup mailing processes in XXXX. I spoke with a rep named XXXX and she assured me that I wont be facing any issues even if they received the documents later than expected and how I would n't need to resubmit them. After receiving numerous collection calls from Toyota after that day, I just went on and still faxed over the paperwork to Toyota which were submitted successfully.
Now, when I speak with Toyota today XXXX XXXX, supervisor ) they were refusing to assist me in resolving this. They did n't want to pull up the phone call recordings, research my fax correspondence, locate my mailing correspondence, etc.
It 's horrible how Toyota can be so rude and disrespectful during a time like this for Hurricane Harvey victims.
|
| 11/20/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
My monthly payment on a XXXX Lexus XXXX is {$1900.00} a month. I did not notice that they used my income and also my Ex partner who was on my previous lease I had with them. Also, they had a market up on the car and I told them to please take that off. Right now I have been struggling to keep up with the payments and I asked a couple of times what can be done. They give me the usual options of trading the car which I cant because I am at least XXXX upside down on the car. They also said have dealer buy it back but it would still be the same situation with owing. What makes matters worse is the car I did a lemon lawsuit on it, and still has same issue but they don't want to take the car back. They have changed the fuel pump system twice, its been at the dealership over 5 times for that issue. Also, the front bumper is separating from the car. The shock absorber went out at XXXX miles.. They replaced the battery a couple months ago and it should have lasted longer.
|
| 07/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
According to 15 usc 1679a, no violation is to be committed, if so a rescinding of contract occurs. On XX/XX/XXXX I got a loan for a XXXX XXXX at the Toyota XXXX dealership which address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX phone number XXXX. I was to pay an installment loan of XXXX for 72 months if contract wasnt broken according to consumer law. During the first month of the term I read over my contract and noticed the fraudulent numbers on there. The sum of all charges, insurance, and no cash was given in hand for the loan.. They broke the good faith agreement. The sum of all charges wasnt in my car note, and the warranty on the vehicle. I sent a cease and desist letter but that wasnt honored. Constantly harassed to pay the debt but once violated a recision occurs and both parties status go back to what they were previously no contact. With that being said theres a XXXX dollar charge for each violation and I get to keep the property. Contract is voided.
|
| 08/25/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
i have written multiple dispute letters to the creditor stating the debt surpasses philadelphia, Pennsylvania statute of limitations guildlines of ( 4 years in pa to collect on a debt ). they have avoided the letter as in i received no response. i than sent the company a letter stating not to call me at work or home and if they persist with continuing to harrass me, i will file a complaint with the cfpb for violating the fcra and not complying with the request to not call me..after months of no response, i sent the creditor a goodwill letter in hopes to remove the debt because im currently unemployed and no way at all to pay back the debt and i still havent got a response from creditor and really need help removing this from my report because its affecting my score rapidly. If i could the balance, i would. i bought every car i ever owned from this creditor and would like to continue business together but i cant get a response to save my life.please help.thank you
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have tried to resolve this with the credit bureaus ( reached out XXXX times total ) and with Toyota Financial directly ( reached out XXXX times total ).
I have written, called, and emailed.
For over XXXX years, an auto loan has been incorrectly reporting. The account was opened in XXXX and was closed in XXXX of XXXX.
They have reported incorrect dates, incorrect dollar amounts and incorrect dates. Please feel free to reference just how often the information they report ( to all credit bureaus ) has vastly changed.
When I pointed out the account was too old to be on my account, they CHANGED the date of last payment so that they could continue reporting and continue trying to get their money.
I dont know what to do anymore. I have done everything right - I have completely fixed my credit.
When I finally got them removed from my credit reports ( Toyota Financial ) they REAPPEARED as a new entity ( Toyota Motor ).
What they are doing is wrong and illegal.
|
| 02/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
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Web |
|
|
I had bought a brand new Toyota XXXX not too much later I think like three or four months later somebody hit me and my car was totaled out I tried to use the gap insurance but they said it didnt cover something Im not even sure what but I tried to get Toyota to take care of it and the problem was like 1200 or {$1800.00} difference that I still had to pay but I tried to get the money back from all the services or product state sold me that I wasnt even aware of the money back from all the services I didnt use to cover the rest of the loan payment I guess and Toyota never responded to me they just kept putting me off putting me off putting me off its XXXX Toyota XXXX XXXX XXXX XXXX XXXX in XXXX Wisconsin I tried my hardest to get them to rectify the situation because it was damaging my credit and to this day I call them literally every 2 to 3 months to find out if they are going to fix it and they still have not gotten back to me please help I need my credit fixed
|
| 10/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
This is simple. Im a co-signer for my son XXXX XXXX. His car was totaled XX/XX/2023. XXXX and Lexus took forever to resolve. XXXX sent me proof that they paid the car off. Since XX/XX/2023 and Lexus has the money and between them and their lexus Gap insurance department no one would give me proof that the car is paid off or will they update my credit report. Im trying to buy a home now and it affects my son and I. He now has 2 cars on his report also because they refuse to update both of our credit reports. I asked for a supervisor call back and they dont call you back at Lexus financial . This company is so unprofessional. Now I got call today from the salvage and XXXX another power attorney form not signed. Both companies cant get it right But they have the money so why not update and take me off the loan and put paid on my credit. It shows Toyota motor credit on my credit and the Lexus Gap coverage has not updated my account when they told me its approved
|
| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I stayed around 10 days in a hotel close to XXXX, and at around third night, I left all my expired documents, credit cards etc to be destroyed since they are expired. But I just left for several hours for a small trip, the hotel maid either stole them or garbaged them. Later on I reported to Police, and whoever stole my documents immediately tried all my old credit cards, and at least 5 of them went through, not even counting those valuable stuff which are stolen. and after that, occasionally I got a fraud charge from my credit card. And some even happened on my newly applied cards or recently replaced cards. And they also applied some loans with my identity, on XX/XX/2023, I got at least 5 credit inquiries listed below which are fraudulent! I am trying to dispute them right now!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOYOTA FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
As an oversight on my part, I had not paid the full amount of a payment. Normally I pay extra. I was not contacted via mail, email, or phone to let me know that I was in danger of a 30 day late on my credit report. On my statement it said " pay this amount to avoid a late fee '', nowhere on any statement did it say I would be assessed a 30 day on my credit report, as I have not ever missed a payment. This is my 5th lease with Toyota financial and all my loans until now show exceptional on my credit history. I would think that under the Fair Credit Guidelines that a consumer would at least get a courtesy call to remind them of a small outstanding balance. I once had a similar issue with another creditor and they did give a courtesy call and I paid the outstanding balance over the phone. I have never missed an actual payment with Toyota. I do not see it as just that a creditor can assess a consumer with a 30 day late payment when no payment has been missed.
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to complain to TOYOTA MOTOR CREDIT CO about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
|
| 08/19/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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|
I leased a XXXX XXXX XXXX and returned the lease on XX/XX/2019 which is 4 days prior to the lease end date. Toyota Financial claims I kept the car two months past the lease end date without paying for the vehicle although I have proof from the dealer which received the car back in XXXX. I never received any invoices for this supposed late return. As a result of their mistake they have ruined my credit and my credit score has dropped by 72 points. I have been trying for the last month to resolve this issue with Toyota Financial and the three main credit Bureaus. Toyota is now admitting they made a mistake but have yet to inform the credit Bureaus. Every time I call Toyota I spend 15-25 minutes on hold and once connected I get a representative that can barely speak english and keeps reading a script. I am no longer willing to tolerate this, my credit score went from 805 to 733 for a mistake Toyota has made and keeps promising to resolve for the past month.
|
| 02/02/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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In XXXX, I leased a Toyota XXXX from Toyota Financial. I swapped banks in the end of XXXX early XXXX to be more convenient banking closer to my work. XXXX payments i made were not credited by Toyota Finance at that time. They did clear my banks. For the last year plus I have been sending them the information from the banks where it shows cleared payments to TFS. On four separate occasions i faxed the info to them. I have XXXX missed payments on my credit report now because of this. Worse of all now it is time to purchase my lease and I had been dealing with TFS, they said it was resolved and gave me buyout quote. Took off work to make the purchase and then they told me they would not finance me, even with a co-signer, no matter what. Now the lease expires on the XXXX and i have to scramble to get financing and paid in time. There is a chance now my wife will lose her car and not be able to get the children to school and to her work as i work out of XXXX.
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| 02/05/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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|
I call Toyota Corp and they told me at one point the dept that I owe was XXXX, they will settle my account with me for half the amount that was owed. And when I was able to pay my dept. I had reached out and they told me that the dept has been forwarded to a collection agency. The collection agency then said I owe over 15,000. I told them that the account amount was incorrect and I have proof, which is XXXX a letter from Toyota stating what I owed. they then told me to send them a picture of the letter that I had. ( Which I did ) they then call me back after two days saying that the vehicle has not been sold for the amount that they where looking for that is why the dept went to XXXX I then made arrangements with the collection agency to settle the matter and have it deleted from my credit report. And once they receive the funds. I received a letter from the collection agency, saying the dept was satisfied. But the dept was not deleted from my report.
|
| 01/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
As a formal inquiry into the case of the United States v. Toyota Motor Credit Corp. ( XXXX. XXXX. ) Which came to my knowledge about six months ago. I feel as though I have been one of the victims of Toyotas ill practices. I am writing this letter to restrain advantages taken upon me being that I am older and of minority descent. In XX/XX/2014 I financed a brand new XXXX XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXXXXXX, XXXX located in XXXX, NY. I believe I was unknowingly taken advantage by Toyota since I am liable for, in total, XXXX for a vehicle which at the time costed {$35000.00}. I ponder upon the fact that Toyota knowingly inflated my interest rate because of my ethnicity. I don't think this is fair as I, like many others, is a hard working individual. It is frightening to think that a big corporation such as Toyota would take advantage of individuals of minority such as myself. I would greatly appreciate some feedback on this matter.
|
| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Toyota Motor Credit : Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 07/27/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I am on my fourth lease with Toyota credit. At the start of each lease, I have signed up for autopay to be deducted from my checking account. When you initially enroll in autopay, the autopay amount is defaulted to your payment due amount.
In XXXXXXXX XXXX XXXX, my local area changed sales tax rates, and my payment increased by a few dollars a month. TFS did not notify me, and continued to bill my account at the original payment amount. They did not adjust my autopay.
In XXXX I was alerted by my credit report that my account was over 30 days past due. I did not understand as my account was being debited every month. When I called, I was told that unless you call and set up autopay, the amount deducted will not match your payment due. The representative stated that it was a known issue which causes many problems but the company would not do anything about it. I went back to the autopay sign up site, and this information is not disclosed anywhere.
|
| 08/11/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
After numerous phone calls from XXXX XXXX XXXX for an alleged debt collection, the company sent me a letter since I would not give them personal information over the phone. The letter arrived on XX/XX/XXXX and states that I owe a debt to Toyota Motor Credit ( TMC ) and asks for {$370.00} as the amount due. My last business transaction with TMC ended in XX/XX/XXXXwith an auto lease termination and all charges paid in full ; no further communication from TMC was received after that. I called TMC on XX/XX/XXXX and spoke with an agent in their finance department who reviewed my account with them. The TMC agent stated that my account was closed and paid in full and that there were no flags attached indicating a dispute.
In my mind this is an attempt by XXXX to extract money from me for a bogus debt. Watch out for communication from XXXX and do your homework to verify that the alleged debt is real.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
|
| 02/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Older American |
|
Toyota Financial Services repeatedly continues to report to credit bureaus that my account is delinquent, at present 6 payments, 30-59 days late. I may have been a few days late on a payment occasionally buy never, never 30 days late. The situation has been corrected by Toyota, my account has been monitored by them to assure this falso reporting will not happen again but repeatedly it does. XX/XX/2020 I received a letter from Toyota stating that corrections were made in their system again and reported to all credit bureaus, by XX/XX/XXXX, the correction showed on my credit reports. XX/XX/XXXX, I was notified by XXXX XXXX thru an email that Toyota was reporting me with 6 months of payments 30-59 days late. I have gone round and round with Toyota and XXXX XXXX, both say it is the others fault. I have filed dispute after dispute and they are settled and corrected only to resurface again. I need help and I am at a loss as to what to do. Help please!
|
| 08/10/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I lease a lexxus I believe 2014, about 9 years ago. At the time I right before I return the car. I spoke with a repesentative ( a Few ) which they all gave me different quotes on what was due. First person I spoke to told me didn't owe anything on the lease. So I thought I was done. for a total of year or two it went from not owing the company from XXXX XXXX XXXX. I was frustrated with all the different customer service and no one putting notes in.. Until one person finding the true amount. When I did agree to pay that amount they two came with this crazy amount. Now I am receiving calls and letters from debt collectors. I will not pay a fee that I know I don't owe. I'm am very dissatisfied with this company. Please be careful when it comes to leasing from XXXX. You have to pay extra fees, taxes that they are liable for, but at the end of your lease you will be charge outrageous cleaning fees,. I will never lease nor buy from their company.
|
| 11/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My Toyota Financial Service account has been paid as agreed every month until the account balance was finally settled in XXXX 2021. The account is now closed, I have received the car title from the XXXX, etc. and everything is good on that end.
However, I am showing a XXXX day late marker for the month of XX/XX/2021 despite the fact that the amount agreed upon ( as attached in the document uploaded ) was made prior to the XXXX day late deadline.
I have inquired about this with Toyota ( over the phone ) and the only avenue they have provided is for me to dispute it with the credit bureaus. I have done this and somehow the verdict is still the same, no updates to my credit report.
I would like for Toyota to properly review my account and determine if there was an error made on their part or some oversight on mine. As far as I can tell, this is pretty straightforward since the transaction history provided by Toyota shows me in the right.
|
| 06/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I financed the vehicle thru Lexus Financial Services, the car was totaled on XX/XX/2019. My insurance company declared the car a total loss on XX/XX/2019 and informed me the amount of the total loss. They submitted a check to Lexus Financial Services on XX/XX/2019 for the amount. I was due a refund based on my overpayment. I have repeated contacted Lexus for the status of my refund due. They informed me that they only received the check from my insurance company on XX/XX/2019 this in spite of the fact that my insurance submitted documentation that the check was submitted by ACH on XX/XX/2019! Repeated calls to Lexus Financial have been made by me. I keep being told that they are still processing the claim. On XX/XX/2019 i was informed that the claim has been processed, i called on XX/XX/2019 and was told the claim has not been completed and they could not tell me when i would receive my refund. I will never use this financing company again.
|
| 08/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
By this means I request to be removed some accounts that are getting confused in my credit reports, I have never lived in the United States and in spite of the efforts I have made since XX/XX/2018 have not yet been removed. The accounts of XXXX / XXXX # XXXX and XXXX # XXXX confused in my report are reporting recent backlogs which make it impossible and this is affecting my credit.
I request the removal of variations of names mixed in my reports such as XXXX XXXX XXXX, addresses of the United States and Jobs that do not belong to me XXXX XXXX XXXX There are some positive accounts as they do not belong to me and they are still reprinting in my reports that I request to be removed, XXXX XXXX # XXXX, XXXX # XXXX, XXXX / XXXX XXXX # XXXX, XXXX # XXXX, XXXX / XXXX # XXXX, XXXX / XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX I request to be corrected and do not confuse again information of other people in my credit.
|
| 02/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
The monthly retail installment payment was made on XX/XX/2019 via Bank E-check as has been done since loan origination date. Payment not credited by TFS and TFS failed to locate any reference to the payment when called. Instead I was told 2 payments made 18 months ago were less than the amount due although no notification was ever sent to me. Due to antiquated Toyota policies, I was treated like a deadbeat customer and had to take off from work, go to the bank to secure a Merchant Transaction report, go to XXXX and fax the documents to TFS @ XXXX to prove payment was made.
It is the negligence and rudeness from TFS that caused me decide to not buy a Toyota again and will dump the XXXX XXXX XXXX XXXX ASAP. There are lots of brands that don't screw up the accounting or then force the consumer to jump through hoops to prove payment has been made..
Where did my payment go?
Why was the payment not in the system?
Is this a SOX violation?
|
| 11/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a car loan for my XXXX XXXX XXXX that I purchased in XXXX. I financed the vehical through Toyota Financial Services, I made a payment for XXXX XXXX and was told that they never recived it but it was taken out of my account and I have proof. I have not missed any payments as I was trying to buy a house and was almost there until this incident happened and now my credit has gone down almost 100 points, it has completely ruined my credit and my life because now I cant better my life in anyway, I cant upgrade my vehical I cant get a house and I cant get into a better apartment because my credit is so bad. I have called 5 times to Toyota financial and written a email, and sent fax of my proof for my missing payment 2 times, and have not gotten help from any of the workers from Toyota financial and I even went to XXXX of XXXX and had them fax my info to Toyota Financial Services and they said they still dont have anything from me.
|
| 09/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
After initiating an OPEN END CONSUMER TRANSACTION XX/XX/2022 ; the consumer has still not received any correspondence, nor was there ever a Notice received, regarding the adverse action taken against the consumer. As pursuant to 12 CFR 1002.9 ( a ) ( 1 ) : a creditor MUST notify the applicant of adverse action within 30 days. Not only has the company broken the law by essentially denying consumer of the right to extend credit ( without notice ) via OPEN END CONSUMER TRANSACTION but there has been continued unauthorized use of the consumers credit card, as it is defined in the TRUTH IN LENDING ACT. This company also shared consumers personal information with other companies who also were never authorized to have access to such information ; as evidenced by the inquiries which are attached to this complaint. Despite the constant use of the consumers personal information ; thre has been NO BENEFIT to the consumer ; which is UNLAWFUL
|
| 02/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I got behind on my car payments. I owe around XXXX and the car will be paid for in full. i was paying as could and i was keeping in touch with them. they then cut me off from making payments online because they said they could not take my payments unless they were they full amount. i tried to pay over and over no matter how much it was and finally after being given such a hard time i just stopped. they weren't calling me either. last night my son and i went to XXXX XX/XX/22 and we came out and the car was gone. i called them they would not tell me how much i owe and will not take any money for it for me to get it back until i get my tax money to completely pay for it. or to pay it as i had money to make sure they told the impound lot that i did want my car and to not send it to an auction. they told me they can not give me an exact amount either because they have to wait on a letter to be done and that can take 2-3 business days.
|
| 08/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
In XX/XX/2020 I made an application for a motor vehicle lease through XXXX XXXX XXXX. The entity servicing the lease is Toyota Motor Credit. I authorized only ONE credit report to be pulled in connection with that application, nevertheless both XXXX XXXX XXXX and Toyota Motor Credit each pulled separate reports, resulting in two hard reports on my credit profile, which significantly lowered by credit score. I never entered into any financial arrangement nor made any application to XXXX XXXX XXXX for credit or a lease. The transaction was with Toyota Motor Credit.
Since discovering the two hard credit pulls on my credit report I have been attempting since early this year to remove on of them. The credit agencies involved ( XXXX, XXXX and XXXX ) refuse to even acknowledge my complaints, and XXXX XXXX XXXX and Toyota refuse to withdraw one of the reports. It is improper to pull two hard credit inquiries for the same transaction.
|
| 05/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I purchased a XXXX XXXX from Toyota f inance company around XX/XX/XXXX - XX/XX/XXXX . In to the loan I ran into financial problem. I was taken to court and I was hit with a Child support bill and back pay. That crippled me for about 6 months. I could make the payment so I called and told toyota to come pick up the XXXX . They came and got the XXXX and sold the XXXX at a auction and sent me a bill of XXXX to pay for the XXXX . If i had XXXX to pay i would have kept the XXXX . Now I have this law firm XXXX XXXX XXXX XXXX harassing me. After the first time th ey where rude on the phone i blocked their number so I would not get calls from them. Then I went to pay m y Auto lo an online this month and it was denied. I called the bank and they told me that XXXX XXXX XXXX XXXX has a lien hold on my bank account and will not let me take out any money. With no access to any money what can I do?
|
| 12/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Older American |
|
I purchased a new XXXX toyota XXXX minivan From XXXX XXXX XXXX toyota in california in XXXX. Yup when I purchased the Van. I also purchased a 10 year 100000 mile. Extended warranty from Toyota financial services. in XX/XX/XXXX I moved to Hawaii with my Van. and XX/XX/XXXX the Van to the dealer because the sound system stopped working. The dealer told me the amplifier needed to be replaced and ordered parts, but the parts were on back order. every 2 months or so. I've checked with the dealer. Only to hear the same reply that the parts are still backordered. I have now contacted Toyota Brand Engagement to try and get a resolution. Toyota brand engagement tells me they only deal with cars in North America. I am now left with a car with no sound system and no apparent revolution for the repair. So I have requested Toyota refund. The cost of the warranty plus some additional amount to compensate me for. The trouble i've been through.
|
| 12/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I sent a cashier check to toyota financial on XXXX via us postal service using certified mail in the amount of {$10000.00} to po box XXXX, XXXX XXXX iowa XXXX. As of XX/XX/20 they have not process the cashier check and it is worrisome. They are providing me with different turnaround timeframes from XXXX business day to XXXX business and even XXXX business days. I submitted a complaint with them with reference number XXXX with operator ID # XXXX.
I am attempting to pay off car loan right after they cash the cashier check of {$10000.00} ( principal payment only ) but unable to pay the remaining balance until they cash the {$10000.00}. In addition, daily interest is adding daily which.
I want to ask Toyota financial to cancel off any additional daily interest from the date of XXXX present because my personal bank will be making a final payment on the remaining balance after the {$10000.00} is process.
thank you, XXXX XXXX XXXX
|
| 08/10/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On XX/XX/2022, Toyota Financial Services, which is a debt collection agency, hired someone, without my knowledge and consent, to come to my home and take my vehicle which was fully paid for with my consumer credit application and said that if I didnt pay $ XXXX to them, I cant have my vehicle. They never applied the accepted credits to my account and without my knowledge nor authorization to falsify information and report to the credit reporting agencies that I have not paid and have missing payments. As a consumer, my rights to privacy were violated and are trying to coerce me to repay them even though they got paid the moment I submitted my credit application. The FDCPA states that any form of harassment, as well as the taking of illegal action, improper sharing information, and false representation is prohibited. They are in current possession of my vehicle and are determined to not give it back unless I pay an alleged debt.
|
| 11/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hello, XXXX years ago i found out that my SSN was compromised with my tax accountant. Since then i have noticed this collection account on my credit report that is indefinitely not mine. I have tried to dispute online with XXXX and it remains on my file. Id like to report this here now as i know this as Fraud and i need help in clearing my name. I have never owned a XXXX in my life. There is no way this is me. Would be so grateful if you can investigate and look into this further on my behalf. This information is ruining my credit history and affecting my ability to get a new car and home. Ive also never received any notices from this company at my home, po box , via phone or email. I have no knowledge of the account number as i never was connected to this account. I am attaching my license as proof i am me for purposes of this report. Attaching a report from XXXX.
Thanks in advance for your help.
Sincerely, XXXX XXXX XXXX
|
| 10/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My husband and I have a loan with Toyota Financial Services. My husband filed bankruptcy, the loan on the vehicle was included in his chapter XXXX. I did not file and per consultation with his attorney, I am protected as well as my credit invoked under the provisions of 11 USC 1301 ( Co-Debtor Stay protection ). The issue is, Toyota has reported two missed payments and the remarks show late in the notes on all three credit reporting agencies. Per his attorney, he called into the bankruptcy department at Toyota and was not able to resolve the matter. The resolution is still pending. This situation has dropped my score over 100 points and now caused my XXXX account to lower my credit limit further hurting my score. Since this matter is not getting the attention needed, I need the CFPB to step in. I'm also in deep conversations with a prosecutor who specializes in these type of co-debtor situations to pursue further legal action.
|
| 09/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
When making payments to Mazda Financial Services ( MFS ), we can electronically submit payments ; however the company only allows for the payments to go toward interest first, then toward advanced payments. I want to make principal only payments, but to do so am required to send a paper check via USPS, which adds more than a week, effectively creating an additional cost to pay off my loan early and reduce my principal balance due. Other lenders allow debtors to select on the website how each payment should be applied. If MFSis going to accept electronic payments, they should be required to permit the debtor to select how the funds are to be applied ( provided the minimum monthly payment has been met ).
This practice creates an undue burden and costs money to mail, and accumulated interest that is not quickly applied to the loans. They have many customers, which generates huge revenue in additional interest charges. Thank you
|
| 06/01/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Servicemember |
|
Toyota Motor Credit sent a claim against me for {$370.00} for an end of lease amount due on a XX/XX/XXXX lease. They sent it to XXXX XXXX of New Jersey at XXXX XXXX XXXX, XXXX, NJ XXXX for collection. XXXX made harassing phone calls to me. Previously, I asked them for a justification for the charge. On XX/XX/XXXX, I spent over an hour and half on the phone with Toyota Motor Credit and Toyota Motor Credit was unable to tell me why they say I owed {$370.00}. Toyota Motor Credit patched me to a person at XXXX XXXX. On XX/XX/XXXX, the XXXX Associate told me the the {$370.00} was for for a disposition fee and that he was sending to me proof of this. When I received the package from XXXX on XX/XX/XXXX, it shows that the deposition fee had been waived and the paperwork did not provide a justification for the {$370.00} charge. Being tired of being harassed by XXXX, on XX/XX/XXXX I paid the {$370.00} by mail and filed this complaint.
|
| 09/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Toyota motor credit 2018 XXXX XXXX XXXX was paid and never a collection account Account # XXXX I recently reviewed my credit profile and noticed inaccuracies. According to the Fair Credit Reporting Act, Section611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE ALL information that is inaccurate, or which can not be verified this account was paid off by insurance and gap coverage and was never a collection account and needs to be updated as.
I request you provide proof of this account being late. This account was paid in full and was paid off.
Please provide a detailed description on all procedures used in your process to determine complete accuracy of information provided The following derogatory accounts are untrue and incorrect. I am demanding that this account be updated to be paid as agreed never late Once you have finished your investigation, send me a update credit report to the address stated above
|
| 03/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
TOYOTA MOTOR CREDIT Account number XXXX .... is reporting this account on my credit report wrongfully as charged off and with the balance. This vehicle was totaled due to accident, Toyota received full payment from my insurance company, they never called me or sent me a bill now I just noticed that on my credit report they are reporting this as a CHARGE OFF AND WITH OUTSTANDING BALANCE OF {$1700.00} as of XX/XX/2019 WHY ... I called TOyota several times only to be transferred all over the place telling me they could not find my account but if I see a balance that I should pay them. THey keep telling me they are ready to take my payment but won't tell me why or to which account they would apply this to. I was even told to send in a check and they will figure it out .... this is ridiculous. In a meanwhile my credit is suffering I have no other negative account except this one. WHy I can't get justice for this ... please help
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
On XX/XX/, I spent two hours trying to get someone on the phone to assist me in getting Toyota Motor Credit Corp. removed as a lienholder as shown on the XXXX XXXXXXXX XXXX XXXXXXXX Department Boat Asset Details ( see Exhibit A ). I spoke with XXXX, Agent # WJVW, XXXX Agent # XXXX, and Supervisor XXXX Agent # XXXX and nobody could provide me with a person that could resolve my issue in a timely manner, nor could they provide an email where I could send the evidence showing Toyota Motor Credit Corp. has a XXXX on my boat title. XXXX XXXX could not disclose his direct XXXX and said the only way to resolve this matter is to send a fax. Nobody could find an account number and I was told that Toyota Motor Credit Corp. did not even make loans for boats. I was given XXXX XXXX # ( XXXX ) XXXX which did not even work. In addition, the Toyota Motor Credit Corp. number displayed in XXXX searches ( XXXX ) XXXX did not even work.
|
| 12/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
XX/XX/XXXX, At XXXX XXXX, I purchased a XXXX XXXX XXXX for {$13000.00}. My trade in was rolled over {$6200.00} into new loan for a total of {$19000.00} sales price.
{$13000.00} x 8.05 % sales tax ( XXXX my zip code ) is {$1000.00}. I was charged on my loan contract {$1100.00}. Difference {$120.00} due to me over 3 months ago. Keep in mind I have to pay interest on this.
XXXX XXXX can not charge me sales tax on my rolled over inequity {$6200.00} into my new car loan.
Dealer inflating price of XXXX XXXX XXXX-sales tax and {$6200.00} roll over. Dealer gave me - {$600.00} for my trade in XXXX XXXX XXXX XXXX ( XXXX battery died on XX/XX/XXXX. I am out the value of my trade in.
Did XXXX XXXX overcharge me for my used XXXX XXXX XXXX? From {$13000.00} to {$19000.00}? Can they dealer that? Now I am paying interest on interest. This seems illegal.
XXXX XXXX charged me ssales tax interest on - {$600.00} too! = {$48.00}
|
| 11/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Lienholder wo n't release vehicle title.
Lienholder : Toyota Financial Phone : XXXX Acct # XXXX XX/XX/XXXX Vehicle discharged with bankruptcy chapter XXXX ( case # XXXX ) XX/XX/XXXX Toyota Financial states title was sent to attorney. ( It was mailed to his old address. Lawyer states all of my creditors were notified of the chanprge XX/XX/XXXX.
XX/XX/XXXX : Representative XXXX promises to mail me a lien release document to complete and present to the XXXX to get a duplicate title.
XX/XX/XXXX : Form not received. According to XXXX the form request was denied by XXXX, who states the attorney must give verbal authorization. I 'm told by XXXX that XXXX does not have a direct line for my attorney to. XXXX had no comment when I asked why authorization was needed now when it was n't initially? But she did tell me he could fax them his authorization to XXXX ( XXXX ) Attorney : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX
|
| 10/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Toyota Financial Service created fraud statement of more than XXXX on the outstanding balance I was expected to pay.
Immediately I went to the brokerage and I asked for explanation before making any payments.
The brokerage said this is not our duty, its Toyota Financial Service.
Toyota financial have asked me some days by phone why I am not paying. I told them I noticed fraud statements and I am willing to pay only when you send the right statement.
While disputing, after XXXX payments passed they allegedly towed the car, slummed my credit score and they transferred to several collection agencies. When the collection agencies failed to collect they transferred to IRS and the IRS asked me for explanation. But the amount of money they transferred to IRS was much less than what they used to put on the document.
The IRS asked me the document I have and I faxed to them. Thus they failed to collect through IRS too.
|
| 05/25/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/2020 my car was involved in an accident that the insurance deemed a total loss. insurance paid out its portion ( full coverage ) while the rest was up to the GAP coverage i had on the car. my father and i are both on the car loan. while checking my credit report i saw the car had been placed into the " public record '' section. i was denied a mortgage for a home because of this. according to the the consumer rights info i read, mine and my fathers were violated. we never recieved any notice of a court hearing nor did our insurance company since GAP did not pay out as per our contract. i have filed a complaint with them as well. we paid to settle the account and it still was placed into the public notice section. i have never ever gotten notice of a court action for the car, only a call to collect the past due portion. it was paid and has a XXXX balance. also, my name is incorrect on the account on my credit
|
| 10/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I purchased a vehicle from Mazda. Mazda collected {$1000.00} from me for a " down payment '', but never gave a disclosure of my finance charge which is the sum of all charges 15 U.S. Code 1605. I was also charged for car insurance which is also included in the finance charge. Mazda used false, deceptive, and misleading billing statements to collect debt from me which violates U.S. Code 1692e, 18 U.S. Code chapter 63, and 18 U.S. Code 1951. Violations of these codes can lead to imprisonment no more than 20 years. 15 U.S. Code 1635 grants me the right to rescind any consumer credit transaction. " Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. ''
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I purchased a vehicle through Toyota Motor Credit and purchased the GAP Insurance provided by Toyota Motor Credit.
This vehicle was wrecked/totaled in XXXX XXXX XXXX and my insurance company paid over {$11000.00} which left a balance due to be paid by the GAP Insurance provided by Toyota Motor Credit. This GAP insurance company took several months to pay and the charge off was processed on XX/XX/XXXX and the GAP insurance company paid the balance on XXXX XXXX XXXX Since then, I have been penalized on my credit history with a charge-off for the delay of insurance processing by the company who I purchased the GAP insurance from. I am currently working to get a mortgage and this charge off/paid status is affecting my credit report and credit score.
This charge-off needs to be removed from my credit report as I am being punished for something I didnt control.
I appreciate your help in getting this corrected.
|
| 08/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
On XX/XX/2022, I, the consumer entered into XXXX XXXX XXXX to purchase a XXXX XXXX XXXX on credit via my credit card ( 15 USC 1602 ( l ) ). I, the consumer initiated a credit application with XXXX XXXX, to purchase the XXXX. My consumer credit was ran by TOYOTA FINANCIAL SERVICES, in which they denied me, the consumer for an extension of credit. TOYOTA is in violation of the ECOA and TILA. Any adverse action taken against the consumer is unlawful. TILA states it is unauthorized use of a credit card when the cardholder receives no benefit. 15 USC 1691 makes is clear when it said " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. '' Consumer was discriminated against when TOYOTA financial services denied consumer the RIGHT to extend credit, when I, the consumer, acted in good faith exercised my rights. TILA defines credit as a right.
|
| 10/11/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I paid my account every month on time and had autopay set up. I have always paid and continued to pay even after my car was totaled and everytime I was asked to pay i paid. When it got totaled they told me to wait until the insurance and gap company paid so I know the amount that I needed to pay. Because it took so long because I was driving for XXXX and was online and the insurance company I had denied the claim and I disputed it again and then XXXX 's insurance ended up covering it. But there was a deductible of {$5000.00} which I asked do I need to pay it all? They said no just wait until the gap insurance pays. So I waited and then i get a call from a collector saying it was charged off when the entire time I told them I had the money to pay and they kept telling me to wait. Now I have a charge off on my credit when I have never had a mark on my credit ever. Please assist me in getting this fixed/resolved.
|
| 05/26/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX, I initially filed a complaint with CFPB regarding XXXX XXXX XXXX, XXXX, Complaint # : XXXX, who was the company l received a letter from dated XX/XX/ and they listed Toyota Motor Credit Corp as the Current Creditor for Account # : XXXX, for a balance of {$11000.00}. After receiving from CFPB on XX/XX/XXXXnotification that my complaint had been closed due to a response from company.
The response from XXXX XXXX XXXX XXXX XXXX, is that they have placed my account into a dispute status and requested validation information from the creditor. And I should receive validation information by mail from Toyota Motor Credit Corp.
As of today, I have not received any validation from Toyota Motor Credit Corp. Nevertheless, they continue to report negative information on my credit reports. I am requesting to submit a complaint with CFPB against Toyota Motor Credit Corp due to deceitful, unethical practices.
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
I use XXXX XXXX and also various credit card FICO score which shows that my score is 810+ I have never been late with payment for 10+ years, I have ample credit card, no negative record. No loan, credit utilization is less than 2 %. I have always been paying on time and full amount, have XXXX+ salary.
When I went to get Auto loan at Toyota dealership, they pulled out my record with XXXX score which is way below what my actual score is.
I checked all 3 agencies and there is no negative record ( except for the Toyota Loan that I took ). I believe Toyota intentionally showed me a lower score. There is no reason for my score to be less than 800. I checked all agencies, credit card FICO scores they are all above 810.
I have a suspicion that the score is manipulated when I seek loan by Toyota financial. Or there is some underlying issue exists that lowers the FICO score exactly when a loan is being requested.
|
| 10/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
On XX/XX/XXXX I have leased two XXXX XXXX from XXXX XXXX, which was leased through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX IL XXXX I have cosigned one XXXX for my brother under account number XXXX I got shocked to receive default notice from TMCC in XXXX second week, that there is no payment has been submitted on this account.
Upon investigation, I found out account number on this account was entered incorrectly, that why payments were not being made and bouncing back.
It was fixed when found out. My credit has been reported for 2 late payments.
How come lender never communicated with the person for 90 days.
There was NO communication till XXXX first week, when we found out and cured.
I think reporting adverse late payment history to credit bureau without even approaching borrower is not right practice. When the accounts get delinquent, Borrower/guarantee should have gotten a communication right away.
|
| 03/08/2017 |
Yes |
|
- Credit reporting company's investigation
- Problem with statement of dispute
|
|
Web |
|
|
We have a leased XXXX from toyota financial services, they reported us 30 days late negative credit reporting. Our lease contract was expiring, we called and had it extended. This change screwed up their billing cycle as proof we have print outs from toyota website showing no billing statements were ever created for XX/XX/XXXX and XX/XX/2016. We even made double payments when finally thier system accepted our payments. basically their system was not accepting our payments because of the lease extension changed billing cycle/system. we wrote letters to toyota to correct the reporting but they are saying not their fault. No one is even available to speak with in their credit reporting department, i am the co signer, i had perfect credit in the XXXX, always made payments on time.
attatchments are letter to toyota and printscreen of toyota website showing no statements generated for XX/XX/XXXX and XX/XX/2016
|
| 04/17/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I had leased a XXXX in XXXX for 39 months which was the agreement. I returned the back when the lease was up, but did owe them for mileage in the amount of {$5700.00}. When I returned the car I was told that someone would be reaching out to me to make payment arrangements. I have been trying to reach someone for over a year that could help me with this issue and no luck. I sent a letter on XX/XX/XXXX, still no one has reached out to me. However, they have reported to the credit bureaus that I owe that amount which is correct, but attached a monthly payment of {$480.00} which was my monthly lease amount. That is in correct since I finished my lease and returned the car in perfect condition. I need someone to reach out to me so I can make payment arrangements and have them remove that monthly payment from my credit since I dont have the car any longer and that was my lease payment not my mileage payment.
|
| 03/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American |
|
I am following up on my earlier requests to obtain credits for two line items on Retail Purchase Agreement dated XX/XX/2020 ( deal XXXX XXXX ). As mentioned previously, the blind spot monitor system installed by XXXX XXXX did not work properly, so XXXX XXXX removed the system in XXXX. Secondly, I had waived the Vin Mark Protection at the closing. Please provide documentation and a check for the return of the blind monitor system and waiver of the Vin Mark Protection.
The amount of {$1500.00} was listed on the Itemization of Amount Financed sheet as Other Charges Paid to Others on Your Behalf. Please provide a breakdown of the items in this category.
Since I had not received responses to my XXXX e-mails on this subject, I contacted Toyota Financial to determine if there were credits to apply to the loan balance. According to Toyota Financial, there are no credits from the Toyota of XXXX to process.
|
| 12/30/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I had a car lease through XXXX XXXX XXXX. I traded my car in on a new car and the dealer sent the full payoff via certified letter on XX/XX/20, which XXXX XXXX confirmed they received the check for the correct and full amount on that date. The payoff was good through XX/XX/20. After numerous calls, emails, and resubmission of paperwork they still havent processed the payoff on XX/XX/20. Between the dealer and myself we have called 9 times and Ive received multiple notices that my payment is due with late fees. Im concerned this will hurt my credit rating for something that should have been handled almost a month ago. I repeatedly have been told there is no one that I can speak to directly in order to have the situation resolved. Instead they keep saying they have sent emails to the department that handles payoffs. I called again today and have spoken to 3 people and still no one can resolve the issue.
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
|
| 05/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I financed the purchase of my Toyota Corolla XXXX in XXXX XXXX through Toyota Financial Services. I paid off the loan at the end of XXXX XXXX and took delivery of the Certificate of Title from Toyota Financial Services on XXXX XXXX, XXXX. I was however, shocked to read their attached letter which clearly stated that " We encourage you to re-title the vehicle immediately upon receipt of the title/lien release document since all records maintained by your state of residence will continue to reflect our lien on the vehicle until you do so. '' I called Toyota Financial Services to complain that they should re-title the vehicle and not pass the cost to me. The representative who took my call ignored and was informed that I would lodging a complaint with the CPFB. In fact, I even finished paying for the vehicle over four ( 4 ) months before its original maturity date and deserved not to be treated rudely.
|
| 02/14/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I leased a XXXX XXXX. At the end of the lease- XX/XX/2019, I returned the vehicle to the Dealership. Now Toyoto Finance is charging me for a left rear tire slashed and the front window broken. The car did not have these issues when I dropped it off with the Dealership. The Finance company sent me a letter dated XX/XX/2019 ( practically two months later ) requesting me to pay {$590.00}. I have been in conversation with them disputing these charges, they dropped it to {$500.00} but said this is a verbal offer only and will not send a new invoice. They continually call me ( I blocked ) their number. I have been in touch with my Salesman and he said to just ignore them. Then I got in touch with the Leasing Mgr. & the Customer Relations Director. They said an inspector ( not part of their team ), inspects the vehicle for wear & tear. They were concerned why it took them so long to get in touch with me.
|
| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I requested forbearance for my auto loan with toyota financial services back during the covid time in XX/XX/2020. I requested this online and due to the large number of requests it took awhile for the toyota finaacial to process my request.
But during the time of this request, toyota financial reported that I am 30 days past due for the month of XXXX. I did some research and found out that this type of conduct is illegal when the federal government has passed the cares ACT.
This is affecting my credit score and affecting my ability to get qualified for loans. I would like CFPB to get involved in this matter to stop toyota financial from abusing its customers and to rectify my credit report.
I did reach out to toyota financial to correct the credit report but they are denying their involvement.
Please advise me on how to resolve this matter. Thank you.
I can provide documentation if needed.
|
| 09/22/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Older American, Servicemember |
|
My car was repoed. Toyota finance says my balance was {$4300.00}. I paid {$5600.00} through my bankruptcy dispersed to Toyota. ( copies included ) I also paid 2 years at {$260.00} per month before my bankrutpcy. That 's {$6400.00}. For a total of {$12000.00}. When i called after the repo Toyota did n't know that {$5600.00} was collected through the bankruptcy. That money was never applied. When they realized it I was promised a phone call back, and they would work something our with me. I have been ignored. I want my {$12000.00} back. That is what I paid for my car. They took it. Sonow they owe me what I paid for the car. I have included copies from the bankruptcy trustee, and a balance from Toyota. they took the entire car with low miles on so I want all of my money. It 's not fair that i paid all that money and they keep all the interest and the principle. so whay is fair is all the money I paid
|
| 10/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I traded in a car in XXXX that I had for a few years and came across a vehicle that I liked. I thought I was going to get a new job and would be getting better pay, but for the past few months I have been struggling to pay my car note.. I understand I had negative equity which made my loan high. My car that I am financing now isn't worth the loan.. I tried to lower my payments with the company but they told me to come in and I can put more money down. It is frustrating because for that I can just make a down payment on my loan. The company does not understand I can't refinance this loan because every company says my car isn't worth the value and the amount ... At the end of the day I feel like I was pressured.. I sent an email in XXXX within the second week to the owner about returning the car but someone emailed me to come in with more money and they can revalue my car which is a waste of time..
|
| 02/09/2017 |
Yes |
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
Got a call and voicemail from XXXX. No caller ID and asked me to call back XXXX and gave me a case #. Upon calling back they asked me to verify my address, SS # etc. I did not disclose any information and I asked what this was regarding. They said they needed to verify my case before they could give me any details. Then they asked about an old account/tradeline that was paid in full and closed in 2008 9 years ago. I told them this debt was paid in full and I no longer wish to speak with them. They were threatining to sue me and stated they sent an " official '' document to my address 45 days ago and because I did not respond with 30 days they are suing and I will be arrested immediately unless the debt is settled. I then explained the debt was paid 9 years ago and I am no longer interested in speaking with them about this matter. They hung up. I am concerned that I am a victim of Identity theft.
|
| 06/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I went to XXXX XXXX Dealer in XXXX, MA XXXX as a Co-Signer/Applicant and filled/signed only one credit application form from XXXX XXXX XXXX XXXX allowing they to check my credit report/score and see if I can help a family/friends to start their own credit leasing a new XXXX XXXXXXXX XXXX. But today I was checking my credit report and realized they did many Hard Inquires! Details : XXXX : 1 time using the dealer 's name on XX/XX/XXXX and 1 time again on XX/XX/XXXX using the dealer 's name and then 1 time using the TMCC " Toyota Motor Credit Corporation '' on XX/XX/XXXX. plus XXXX : They checked 2 times using a different dealer name called " XXXX XXXX XXXX '' .on XX/XX/XXXX and then again on XX/XX/XXXX. I don't know yet about the XXXX if they checked there too. So, Is this right? Can they keep checking my credit as many time they want? I don't think so. Could you help me please? Thank you, XXXX
|
| 11/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Officer : I bought my XXXX XXXX at XXXX XXXX XXXX XXXX in XX/XX/XXXX, When I sign the contract, I gave my bank information to the salesman, and tell him very clearly. set up auto pay, he said he will do it for me.
But a few months later, I find out I have 4-month non-payments, I called a salesman, He does not admit that I have given him my bank information. After that, I paid full past due amount and I set up auto pay online by myself, but my credit score is messed up. I always pay my bills on time, My credit score was XXXX, now only XXXX.
In XX/XX/XXXX, Toyota toll away my XXXX, they said I have 3 months non-payments, I called Toyota fiancial service right away, customer service said nothing they can do. then I paid the full past due amount and penalty got my truck back.
My last payment on XX/XX/XXXX. they charge my money, But the online system still shows I didn't make any payments.
|
| 02/19/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I received a purchase for my lease vehicle from Toyota Financial Services. I was give 30 days to pay.I called a couple of times to make sure that I Had the correct amount.I paid the full amount that was ask of me within that period, I than received an addition about. Next I received another letter saying that my cashier check was missing signature, they were unable to identify my account, the check they said was damaged, the written amount does not match the numeric amount.They also claimed the odometer was wrong.They also sent me back the check. There was nothing wrong with check.No damage, the amount was correct in according to the first pay off that was sent. I have not signed another contract.
I am now receiving monthly bills. I have went ahead and paid so that my credit is now affected by this. At the time on this my credit was XXXX. My loan was paid in full, before the the pay off date.
|
| 09/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
On XX/XX/2021 i was informed to contact this company while trying to purchase a new car. The agent who took my call stated i had an outstanding credit balance of {$10000.00} after accessing my account. I then asked the agent whos id number is # XXXX to verify the creditor to who the debt was owed on file she could not tell me who the original creditor was. I then asked for a superior of hers to address the issue. XXXX id # XXXX then took a look at the file and told me that she could not tell me who was the original creditor either. They both stated that the alleged debt was assigned to them eliminating the possibility of them being creditors as defined under Title 15 1692a ( 4 ). I have now requested a verification of the alleged debt. In addition the account balance itself is a violation of Title 15 U.S.C. 1666d treatment of credit balances and should be handled according to the federal law.
|
| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Older American, Servicemember |
|
In XXXX of XXXX, I purchased a new XXXX XXXX and was offered zero-percent financing by Toyota through Toyota Financial Services. On XX/XX/XXXX, I paid this loan off. I never missed a payment and never late. When I checked with my credit monitoring service, I was informed that my credit score had dropped due to an adverse notation that XXXX XXXX for one had picked up from XXXX. When I called Toyota Financial I could not get an answer as to what this was referring to. I filled out an inquiry with Toyota. They provided no answer and as with the representative earlier on the phone, I was told no to my request about the information on my own account. As a consumer, I should and must be entitled to know what the adverse comment is referring to after 5 years. The following is my information. Account : XXXX XXXX XXXX The company has for some reason taken an arrogant stance and refuses to talk to me.
|
| 09/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
In XXXX of 2018 I finance a Toyota XXXX for 60 months with Toyota financial credit.
My credit rate was 19.75 % interest rate.
During the duration of the loan. I got behind on 10 payments.
Toyota moved 10 payments to the end of my contract. My payments were {$330.00}.
For each payment, over the 60 month contract that they moved to the end of the contract. I was charged an additional {$420.00} on top of the {$330.00}. Over the phone they said interest would occur on the money that I moved to the end of the contract but they did not tell me that the amount would come to {$4200.00}. That I would need to pay at the end of contract. After I paid the {$330.00} per month. I felt the company was Decepticon in using the term interest would be added. Not knowing that each payment I defer to the end of the contract with cost me an additional {$420.00}. Per payment defer to the end of the contract.
|
| 12/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
Older American, Servicemember |
|
On XX/XX/18 I applied for a Military Discount for XXXX XXXX families at a XXXX dealer in XXXX, DE. I presented an official copy of my father 's Certificate of Death, a copy of his entire military record, and signed an application for the XXXX Military Reward Program.
The dealer 's financial representative told me that he would not submit the application because XXXX XXXX XXXX would not approve it.
I talked with 4 different XXXX dealerships, and all 4 told me that I could not get a Military Discount as a XXXX XXXX family member.
I talked with several folks at XXXX XXXX XXXX about this problem, and most of them did not know what a XXXX XXXX family is.
I wrote to the Chief Executive Officer at XXXX and was given what can only be kindly described as the run around. His office told me to call the dealership, then to call XXXX XXXX XXXX, then to call the XXXX XXXX XXXX XXXX XXXX coordinator.
|
| 09/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
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On XX/XX/XXXX we returned our leased XXXX to a dealership in XXXX because our 3 year lease ended on that day.
In XX/XX/XXXX I learned the the vehicle was never reported returned by that dealership and the dealership was unable to locate the vehicle.
In XX/XX/XXXX we went to the dealership to find the car, but the vehicle was not found while on site. Later that day we received a call from the dealership indicating that the vehicle had been found and the dealership agreed to correct the problem.
In mid-XX/XX/XXXX I received a letter from a collection agency regarding balance on the account. After speaking with the dealership this balance was removed.
The issue is that the account seems to indicate that I had a past due amount from XX/XX/XXXX to XX/XX/XXXX, when the vehicle had been in possession of Toyota the whole time and there should have never been a past due amount on the account.
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| 11/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Toyota financial made my credit drop on a Sunday afternoon 165 pts Toyota financial claims they received a signed contract on XX/XX/2021 the account number is different from what I was given and the company was thru Toyota motor credit Corp that has a different address. He interest rates are different the amounts are different and the flash drive I was given for my copy was blank. The contract that Toyota financial sent consumer financial protection bureau on my first complaint on this was complete fraud. Saying they received signed contract on XX/XX/2021. When if you read the bottom. Of every page in fine print the contract was signed and completed on XX/XX/2021 @ XXXX. ( 14 days after they extended credit to someone I signed a contract with very different numbers ) I came to dealership pre approved with another lender and all of the numbers were different on My contract I signed.
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| 07/01/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
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Web |
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Well, I am a SMALL car dealer. I decided yesterday that I might want a car for myself. I had a trade in and some cash. I did a preapproval on a large dealers website. I gave them my personal information. The salesman calls and tells me that because I do not live in XXXX XXXX, Montana ( my business address is there ), that they will not finance me. Last time I checked you do not have to LIVE in the city where you purchase a vehicle, financed/leased or cash. He tells me to go to a credit union ... Really? So, after that happened I applied directly with Toyota Financial Services. They will not even give me a answer. They CLAIM on their website we have a program for the credit challenged. You just need a score of XXXX, and no late payments in 90 days. According to them my score was XXXX XXXX maybe auto enhanced, then they pulled my credit from XXXX yesterday, and still no answer ...
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| 11/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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Used XXXX Toyota XXXX purchased in XX/XX/XXXX from XXXX Toyota dealer at XXXX miles for {$23000.00}.
Ultra high interest rate 19 %. I was told after two months I would qualify for a reassessment of my interest rate for a lower rate aligned with the market.
I tried over and over and after 6 months of on time payments around XXXX XXXX i could not lower my rate. Now it has been 11 monthly payments and I have never missed a payment. My credit is around XXXX and I cant believe I am stuck around 19 % interest my principle is barely being paid down.
I was forced to get product bundles for this sale that are not relevant and did not want.
I feel so taken by Toyota banking! Now I see there is a lawsuit and I want to be part of the class action lawsuit for this financial settlement per add ons I have been forced to pay up front and with interest!
This has really hurt me financially.
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| 11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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I purchased a XXXX XXXX XXXX in XX/XX/XXXX. I have ben up-to-date with all of my payments. Toyota recently updated their payment app to automatically make the payment for the next due date if the payment that is due is being paid during the grace period, after the first deadline, so my XXXX payment was deducted on XX/XX/XXXX, along with my XXXX payment. So there were two payments made on one day, the one for XXXX and the one for XXXX, which was considered late. I contacted Toyota Financial Services to discuss the matter, and they agreed that it was not my fault, that the payment was made on time, and that they would update the credit bureaus. They have not done so, and because they did not do so I filed a dispute with XXXX, XXXX and XXXX. XXXX fixed the problem on my report, but XXXX and XXXX are not doing so. I have exhausted my remedies with Toyota, XXXX and XXXX. Please help.
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| 09/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Older American |
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Additional charges were added to my loan via XXXX XXXX XXXX XX/XX/2023 their financial team that did not align what was agreed with the salesman and myself who was also unaware of this until i went back to try to sell it back to them XX/XX/2023. First they did the car switch in which I had to bring back the original car I thought I purchased and in which they switched out and quicky put together the financial agreement. They have over charged on my last purchase in which I made them refund the difference, I notified Lexus corporate about this XX/XX/2023 since I feel they take advantage of retired XXXX veteran by adding ( sneaking ) in additional costs. At this point I will have to claim hardship and will have them take the auto back since I can not afford the monthly payment on a XXXX income. I honestly feel there are many others that have been victim to their illegal practices.
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| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report.
Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me.
Please fix the following accounts : XXXXTOYOTA XXXX Balance : {$2000.00} TOYOTA MTR XXXX Balance : {$34000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
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| 11/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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This dispute is in regards to the account number ending in XXXX. The account is assigned to XXXX and XXXX XXXX. When we created the online account to setup automatic payments on XX/XX/2017, we spoke to the Toyota customer service representative about setting automatic payments. As the account was being setup, what was overlooked is the fact that the start date of the payment is different from cycle date. They setup the payment cycle system after the due date on the account and made my payment late. From there Toyota financial reported it to the credit bureaus. They reported a late payment and that affected my credit report and score. Im sending this letter so that your department can look into our inquiry and remove the late payment on our credit report. We appreciate the department looking into our concern. Please if there are any questions please contact us at XXXX or at XXXX.
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| 03/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
Older American, Servicemember |
|
XX/XX/XXXX I have been trying to resolve this issue for two years. I called today to try and get XXXX XXXX to send me anew pay off date and amount also. I purchase a XXXX lexus in XX/XX/XXXX. I got a maintance plan and decided it was not worth the money. So instead of sending the money to me, XXXX XXXX sent {$2900.00} applied the money to my account. I wanted the money sent to me so I could do what I wanted with almost {$3000.00}. My car origial pay off date is XX/XX/XXXX. Well, today, I called and it is still XX/XX/XXXX. I told yhe customer service person my payy date should be in XX/XX/XXXX if the {$2900.00} was applied to my account. I could not get any help. The XXXX XXXX has taken my Refud and not applied to my balance at all. I been calling them for two years asking for my new payo date in writing and nothing has change. They are trying to steal that {$2900.00} from me.
|
| 06/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Servicemember |
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My mom filed a complaint yesterday but the payoff request is in my name.
Refinanced my joint car loan from Financial to XXXX XXXX XXXX XXXX. Purpose lower rate and remove my mom from the loan around XXXXThe payoff letter was sent to the credit union with Mazda Financials ' address. The credit union sent it to Toyota Financial in XXXX XXXX, Illinois. They negotiated the check on XX/XX/2022. The check cleared the credit Union on XX/XX/2022. The reason why XXXX sent the payoff to Toyota is because my purchase paperwork stated Toyota was the Lienholder. My mom called Toyota on XX/XX/2022, XX/XX/2022, and XX/XX/2022. They can't locate the check where it went. It was negotiated through XXXX. My mom called Mazda Financial on XX/XX/2022. Mazda Financial opened a case, I was warned that this may not work, but they will try and get the funds transferred over. As of today no response.
|
| 04/19/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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Web |
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I turned in my XXXX XXXX XXXX in XXXX XXXX and leased a XXXX XXXX at XXXX XXXX. At the time of negotiating I was advised by the salesman that my excessive miles would be waived since I was a loyal customer. In XXXX of XXXX I received a bill for {$1300.00} for excessive wear and tear and mileage. The dealership never informed me of my right to have a pre-inspection completed. I called Toyota and spoke with a person named XXXX at the XXXX XXXX XXXX department and explained my story. She then informed she would get back to me and I never heard from them again. Today I was called by a debt collection company, XXXX XXXX XXXX and I advised I was disputing this. The collector was aggressive and said she would mail me the contract and since I had nothing in writing from the dealer I owed this. contacted Toyota again and they refused to speak to me since my account was in collections
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| 10/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Toyota motor credit co has made incorrect and inaccurate credit reporting and has violated my privacy as a consumer. In addition, Toyota has been contacted my me multiple times since XX/XX/XXXX and has been non-responsive in providing me the documentations proving debt. On my credit reports Toyota has claimed account is closed yet has on the records as being charged off since XX/XX/XXXX. I voluntarily turned in the vehicle and was never given 1099c nor police report for auction sale nor any other document demonstrated the balance still due for the vehicle. They have used my personal and private information to benefit monetarily and are accusing me of owing debt that is not mine. They are impacting my daily life and not doing what is fair and equitable to me, the consumer. I demand Toyota show me the balance and return to me what is due with proper tax forms for my accounts.
|
| 09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Toyota motor credit co has made incorrect and inaccurate credit reporting and has violated my privacy as a consumer. In addition, Toyota has been contacted my me multiple times since XX/XX/XXXX and has been non-responsive in providing me the documentations proving debt. On my credit reports Toyota has claimed account is closed yet has on the records as being charged off since XX/XX/XXXX. I voluntarily turned in the vehicle and was never given 1099c nor police report for auction sale nor any other document demonstrated the balance still due for the vehicle. They have used my personal and private information to benefit monetarily and are accusing me of owing debt that is not mine. They are impacting my daily life and not doing what is fair and equitable to me, the consumer. I demand Toyota show me the balance and return to me what is due with proper tax forms for my accounts.
|
| 05/20/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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In XXXX 2016 I received a bill from Toyota Financial Services ( TFS ) for the amount of {$450.00} for excessive miles and dispositions fee ; I called TFS and explains to them i m entered in to a new contract with them on XX/XX/2016 with a new XXXX XXXX XXXX, Also a call the dealer and they give me two confirmations numbers for the payment that they made to TFS confirmations # XXXX Costumer last name XXXX, costumer vin ( last seven digit ) XXXX. Also another confirmation number # XXXX Costumer last name XXXX Vin # ( last seven digit ) XXXX I call several times to TFS i got call records date and name with the person i spoke to but they never do nothing now the send me to the collection agency and affecting my credit a lot of inconvenience to me receiving call and letter like i was delinquency. i got my proof of payment i made the calls that a have to do and now i m affected.
|
| 05/02/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
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Applied for financing at Toyota for a lease buyout on existing lease for a Toyota Camry or new lease. My 3 year lease is ending in XXXX 2016. I am currently XXXX miles over mileage allowance. I have paid monthly on my lease for 2 1/2 years although some were just past grace period. Toyota XXXX the amount of my lease due to location of vehicle and ended up refunding me over payments, however even though I have been reliable with payments, they are denying me a buyout plan, due to other delinquencies. My rental property was severely damaged in hurricane sandy and I did fall behind with a few payments for creditors that did not offer me payment plans, however I am turning the corner financially and most creditors are on time. Prior to that storm I had XXXX years of solid credit history. I was denied in a letter dtd XXXX/XXXX/2016 application submitted by XXXX application XXXX.
|
| 06/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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The customer, which is me, thought that autopay was set up in XX/XX/2023 after the vehicle was leased. He connected his bank account for the first lease payment and expected that this account would continue to be debited for the duration of the lease. Instead, auto payment was not set up and as a result payments were not made. Although Mazda sent paper statements, it never used the customer 's email address or cell phone number to communicate that payments were past due. As a result, the customer did not become aware of past due payments until he received an alert from his credit monitoring service at which point he made the payments immediately. Mazda should have notified the customer in an effective manner upon the first missed payment, especially on a new account. Failure to do so resulted in a decrease in the customers credit rating and material damage to the customer.
|
| 04/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
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This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not Account number XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditor that would prove that my payment was not submitted on time.is my understanding that you must verify these items with the reporting agency .if they are unable to provide the proof or if lacking proof of these payments being late.please update my payment history to PAANL status paid as agreed never late according to consumer protection law.
|
| 09/15/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
XX/XX/XXXX : called Toyota to do a voluntary repossession since I could no longer make payments due to losing my job. They had the repo man to set up and time and place that afternoon to meet to pick up the vehicle. When he picked it up he just asked for the keys and that 's all.
XX/XX/XXXX : they posted on my credit report stating I owed them {$14000.00}. I never received anything by mail what they would do with the vehicle once it 's gone, if I wanted to purchase the car back and when the vehicle sold what the deficiency amount would be after telling me where/when the auction would take place.
XX/XX/XXXX : I called Toyota to get my account number and the customer service lady did not even know that the vehicle had been repossessed or I owed anything, I was trying to figure out why I never received any correspondence from Toyota and still have yet to receive anything.
|
| 07/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I received several automated calls on XX/XX/12 advising I had a past due balance. I immediately contacted Toyota Financial customer service, explaining that to my knowledge all auto/recurring payments of {$400.00} ( the amount in my contract ) had gone through and I was confused how I had a past due balance. The representative was immediately confrontational, cackled at me and said sir, Im not sure how you couldve thought your payment was only {$400.00}. I asked her to pull up my contract, and she laughed, replied I can see right here your payment has always been {$420.00}. I asked multiple times for clarification why my payment increased ( and when ) and she could only offer that it may have been due to a refinance. I did not refinance my lease. Because the conversation went nowhere, I asked for a supervisor. She laughed again, and refused to transfer me to a supervisor.
|
| 02/01/2018 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
the accident occurred XX/XX/2018 @ XXXX XXXX the representative called from XXXX Toyota financial services several times to my home trying to collect a past due payment of XXXX for a lease vehicle I have financed with them. The representative called my home several times harassing until the cleaning company the cleans my home answered the phone and at that point my cleaning maid stated the representative was very aggressive asking for information she could not answer concerning our personal finances and a timeframe for payment collection ; this violated our privacy rights and has really caused my wife and I to have server XXXX and embarrassment since this has happened we have made the payment it was just an slip of mind and filed a complaint and have not heard from anyone we want someone to hear about this to protect other families from this heartful client experience.
|
| 02/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In XXXX my husband and I contacted XXXX XXXX XXXX to purchase a truck. We have purchased several trucks from them. On XX/XX/XXXX, my husband and I contacted XXXX XXXX XXXX and agreed on a vehicle we wanted to purchase with our trade in. We made an appointment to go to the dealer on XX/XX/XXXX. We ultimately purchased the vehicle on that Saturday, XX/XX/XXXX. Upon reviewing my credit report, I learned that XXXX XXXX XXXX had made an inquiry into my credit report on XX/XX/XXXX. This was prior to : 1 ) walking into their dealership. Communications were by email and phone ; and 2 ) Signing any documents allowing them to pull my credit report for financing purposes. I believe this practice is illegal. They had our information due to prior purchases at this dealership. However, until documents are signed, I believe that they do not have the right to look into my credit.
|
| 11/12/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I reviewed my contract and I saw that I'm paying XXXX dollars for products that I won't use and don't need it, including tire protection and warranty.
That time that I signed the contract I couldn't understand English very well, I'm taking English classes now.
So they sold XXXX dollars to me for XXXX miles warranty for example, but in my lease I just can use XXXX miles. At the end of my lease I will give the car back and I don't want any car from Toyota.
Today XX/XX/18 I called there and they said that based on the miles that I used they will pay me back, but this is not fair, because my car has the lease warranty, this extra one that I'm paying is extra, so this is not right, they don't want to pay me back the full amount for this e for the other products that I don't need and never asked or knowed for it. I just don't know English very well, but I'm not stupid.
|
| 12/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Problem with customer service
|
|
Web |
|
|
I became involved in a " hit and run accident '' chase in which the police was chasing a truck. I was pulled over to the side of the street when the truck came over and smashed the back of my car while the police was chasing. Police caught the truck and men were arrested.and jailed. XXXX XXXX XXXX police made a report and sent me a copy stating I was a victim and therefore not responsible for my car being destroyed. Toyota Financial took possession of the smashed car.and it was a discharge.
Toyota Financial included the car on my credit report for {$18000.00} stating it would remain there for seven years and then drop-off Toyota Financial state I write to three credit companies and " request this be removed from my credit report. I did exactly as Toyota requested. I just need a letter from Toyota Financial stating I was not responsible for this " hit and run ''.
|
| 01/13/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
This corporation unjustifiably has turned negative information into the credit bureaus on my husband and I ruining our credit. Credit Snowball affect occurring. My husbands truck was totaled on XX/XX/2016. Our insurance company paid Toyota Motor Credit on XX/XX/2016, Gap insurance paid balance on XX/XX/2016. Received bill for payments past due XX/XX/XXXX totaling {$990.00}. Called and was advised that I did n't have any payments past due, but did owe {$1000.00}. I asked what for and was told XXXX different reasons from XXXX different people. Panicking I just paid it without understanding what it was for. NEVER RECEIVED A BILL FROM THEM FOR THAT AMOUNT. I 'm assuming it 's for my insurance deductible. This corporation has ruined my husband and my credit!!!! UNACCEPTABLE!!!!! If at ANY point I owed them money I would have paid it!!!!!!! I have everything documented.
|
| 04/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Hello my car parked and was totaled by a hit and run whiles parked. On XX/XX/2017. On XX/XX/2017 a payment was made to Toyota Financial services in the amount of {$10000.00} there was a balance of {$3900.00}. I had gap insurance to pay the balance. Which they did but they didnt pay it till mid XX/XX/XXXX. I had purchased a new vehicle in XX/XX/XXXX. I feel it is unfair that my credit Has to suffer with late notices because the gap insurance took so long to pay the balance. They knew I had gap insurance and that they would pay the balance. Plus they already received over a {$10000.00} payment I dont see why a hold was not placed on the account giving time for the gap insurance to pay the balance. I think it is unfair because why should I continue to pay for a car I no longer am driving and that my gap insurance will be paying the balance that makes no sense to me.
|
| 06/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
My XXXX XXXX XXXX was involved in an accident that was not my fault. Toyota received a settlement check from my insurance company in XX/XX/2018. As of today they have not send the info needed to my gap insurance company. Apparently it is a copy of the check they received from the insurance company. I hired an attorney to help me resolve this issue and my attorney says they called Toyota several times in the past three weeks and Toyota says the hold up is an internal issue at Toyota and the check copy has not been uploaded. My attorney told them that this is negatively affecting me and Toyota just says they can't do anything about it. Their departments that upload paperwork are not located where they are so it's just tough luck and I have to wait. It's now been several weeks and we asked them for a timeline and Toyota just tells my attorney there is no timeline.
|
| 04/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
Older American |
|
I purchased my XXXX XXXX in XX/XX/2019. It was a lease with option to purchase at the end of the lease. The dealer mislead me. I was told that my lease payments go towards the purchase price of the car If I choose to buy the car at the end of the lease. It made sense to me because because i could get a new lease or just keep the car and the car would be virtually paid off if I chose to keep it. The opposite happened. I made lease payments for three years and decided to keep the car at the end of the lease expecting too owe less than {$10000.00}. The payoff quote states almost {$20000.00}. I was intentionally lied too. My son who has some intellectual deficits didn't understand the deal they said they were giving me. I myself am a XXXX citizen. They took advantage of my family and I am very upset. This needs to be corrected as I am considering filing a lawsuit.
|
| 09/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XX/XX/2018 I attempted to log into the Toyota Financial Services website and make my monthly payment prior to a trip I was leaving on. The website would not allow me to make the payment without accepting their news terms of service, but I did not realize the payment had not been made until I received my XX/XX/XXXX statement. I immediately made two payments on XX/XX/2018. They reported me 31-60 days past due and it dropped my credit score from XXXX to XXXX. I attempted many times to speak with someone and I always end up on hold for up to an hour before I finally hang up. They are refusing to fix anything on my credit report and this will hit my pocketbook harder than I prefer by having a poor credit score. They are only interested in explaining the extraordinary efforts I should have taken to get them the payment regardless of the change in terms of service.
|
| 08/17/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
My name is XXXX XXXX I am a Consumer Natural Person and the Original Creditor pursuant to 15 USC 1602 under the Truth In Lending Act.. On XX/XX/2020 Mazda Financial Services committed fraud against me by issuing me an alleged debt contract instead of a consumer credit transaction.. As the Original Creditor I do not validate any alleged debt from Mazda Financial Services. I ask that Mazda Financial Services validate the alleged debt with the Original Creditor by providing the name and address of the Original Creditor.. Mazda Financial Services is also in violation of the Fair Debt Collection Practices Act pursuant to 15 USC 1692 . Mazda Financial Services is to cease and desist all forms of communication with the Original Creditor XXXX XXXX. Mazda Financial Services is to remove any alleged debt from the Original Creditors Consumer credit report within 30 days.
|
| 03/21/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Confusing or misleading advertising
|
|
Web |
|
|
I was told by 2 separate sales people I could get {$1700.00} Cash Bonus on a new leased vehicle that could be used to take care of any negative equity. That was the only reason I went in. Because I knew I was upside down. I like the vehicle, but the salesman said if I wanted to save even more money I should look at the Hybrid Model. I was all for saving money. But he never told me that vehicle didn't qualify for the Cash Bonus, or that XXXX XXXX rolled in {$2100.00} of negative equity. I never would of bought the vehicle.
Federal Law https : //www.consumer.ftc.govXXXX Requires that before you sign to finance the purchase of a car, the dealer must give you certain disclosures about the cost of the credit. That was never done. I feel they did the bate and switch. I have been working with the Attorney Generals Office, and they suggested I also file a complaint.
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Stay away from this dealership they discriminate against XXXX XXXX XXXX. I leased a car from them XX/XX/2021 and my credit was ran multiple times with the same bank. I called to get credit removal letter because the dealership made the mistake.When I called the dealership the rep on the phone refused to get me a manager or the corporate office information. I called back and spoke to XXXX when I told him I was going to file a CFPB complaint he hung the phone up on me.This dealership is making the brand look bad. I would go to another Lexus dealership in the XXXX XXXX especially when they discriminate on XXXX XXXX XXXX XXXX. I served XXXX combat tours in XXXX and should not have to come back to a country that treats you like XXXX. I am pleading do not go to this dealership for business. I feel like my rights were violated on every levels. I am filing a lawsuit.
|
| 05/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Older American |
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I leased a XXXX XXXX XXXX from Toyota Motor Credit Corp on XX/XX/XXXX and completed the payments and returned the car on XX/XX/XXXX. All payments were made on time. However, my latest credit report dated last week is now reporting that there were late payments made. I called Toyota Motor Credit and they confirmed that all payments were made on time. XXXX is the specific credit bureau that I am having problems with. I did not get a copy of Toyota 's testimony in writing, but I can get that if needed. Otherwise, their phone number is XXXX and they are located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX, according to my XXXX account. I haven't owned this car in years, and have no idea why this would be coming up on my credit report now ... or ever. My credit score dropped over 100 points as a result of this matter and I would like it resolved immediately!
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| 10/14/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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Web |
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Hello, Last year around XXXX I requested a due date change. The first attempt was unsuccessful, and prior to the second attempt Toyota asked that I bring my account current, so I did. A Toyota representative said the due date was completed, so I started making my payments accordingly. It was n't until mid 2016 I saw that I had 3 late payment markers. I immediately called Toyota and their resolution specialist walked me through every payment from the beginning. We found out that Toyota failed to mention that the due date change did n't take effect. So I wrote Toyota twice. They denied me twice. Toyota does n't have a number to call to talk about your claim. I 've tried explaining what happen in a letter and again they denied me twice. And because they did n't tell me the due date change did n't take effect, I do n't have access to their personal information.
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| 05/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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I had a XXXX XXXX XXXX on lease which was traded off to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
XXXX XXXX XXXX has provided the paperwork for vehicle trade-off and release of liability to me and the payoff amount was sent to Mazda Financial ServicesXXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX, The receipt of the payoff has been confirmed by XXXX as well.
Since the end of XX/XX/XXXX, I have been getting repeated calls from XXXX regarding payment default as they are unable to close the account due to a pending dealer certificate from XXXX.
This has been frustrating and mentally harassing as I don't own the vehicle or any liability and it is also impacting my credit.
The complaint is against Mazda Financial Services as they have to work with the dealer to get the account closed and not harass the end consumer.
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| 10/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I called TFS, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On TFS internal system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over 1500 dollars a month.
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| 05/20/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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|
Web |
Servicemember |
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On XX/XX/XXXX Toyota Financial Services received my monthly payment and cashed it. It hit my bank on XX/XX/XXXX. Since that time I have tried to get them to post the payment, but they have refused. First they said they never received it. When I sent them a copy of the cancelled check they said it was misapplied but they would correct the situation. I sent three messages and they closed all three requests without taking any action. It is now XX/XX/XXXX and they still have not posted my payment, which was due on XX/XX/XXXX. They've had the payment for 13 days and have done nothing with it. I am very upset, as this may affect late charges and my credit report. There is no reason for them to delay posting and I want this correct immediately.
XXXX XXXX XXXX Acct. # : XXXX Payment amount : {$300.00} Co. : Toyota Financial Services, XXXX XXXX XXXX XXXX IL XXXX
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| 11/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have contacted TOYOTA MOTOR CREDIT or Toyota Financial Services regarding a late reporting on my credit report. They reporting that on XXXX or XXXX that I was late. I sent the payment via check and they said they didn't receive it, I then made the payment with then and there. I have had this loan since XX/XX/2016 and never been late and I also had another loan with this company that I paid off and was never late on that one as well. I closely track my payments and are never late. It beyond my comprehension why Toyota Motor Credit or TFS would report me late when I was not. I have been a loyal customer for 2 loans and that I paid on time this is how they treat me by falsely negatively reporting to credit reports when I was not late, after I pay off this loan, I will never do business with TFS again or buy any Toyota vehicles. Such a terrible experience.
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| 01/03/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I recently checked my credit report and saw a very very very old account from Toyota motor XXXX as a charge off on my account!!! this account been closed and settle since 2016!!! i never ever received any legal communication, correspondences from them all these years! they greatly damaged my credit worthiness!
there is no apparent evidence of agreement! I definitely never been informed nor understand why this is reported wrongfully on my credit! its insane to me that credit reports dont even check if the info is correct or verify anything and just put it on my credit! i sent letters to all credit bureaus and to Toyota via certified mail # XXXX I need this fraudulent closed account and reporting to immediately be removed from all my credit reports!!! it is clearly a full violation of my consumer rights.
thank you for your help with this urgent matter.
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| 06/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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On XX/XX/2021 I sent a certified mail letter regarding things that are inaccurate and unverified things that have not been validated even after me sending a validation letter on XX/XX/2021 certified mail I have not received a response yet. It has been well over 30 days and I havent received any investigation results. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that if there is a failure to investigate these items within 30 days gives a reason to immediately remove those items from my from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten Into the hands of the wrong person.
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| 05/02/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- High-pressure sales tactics
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Web |
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I believe that I was pressured into purchasing a vehicle which was recently leased from XXXX XXXX XXXX dealership. I wanted to trade my XXXX XXXX XXXX XXXX XXXX but the dealer did not want my trade in vehicle as they were offering too low of a value which I believe I should have received more for the value and condition of the van. So I told the dealership that I will not be able to afford anything more that {$250.00} per month but the dealer still insisted that the vehicle that I wanted to lease is much higher and {$460.00} + XXXX for insurance toward excess wear and use. So I ended up paying {$470.00}. After 2 weeks I was talking to a co-worker whom recently leased the same exact vehicle for another XXXX dealership and ended up paying almost 1/2 the amount per month that I am currently paying. I believed that I was a victim of over pressuring salesman.
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| 03/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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The Toyota motor credit settlement administrator is discriminating against actual victims! I submitted my eligibility form to be included in the settlement and was told I do not meet the eligibility criteria. In order to be eligible for the settlement I or at least one co-buyer on the account, must be XXXX-American, XXXX, XXXX, XXXX XXXX, or other XXXX XXXX ; AND You must have purchased a vehicle between XX/XX/XXXX, and XX/XX/XXXX, that was financed by Toyota Motor Credit Corporation.
I am a XXXX woman who financed my second vehicle through Toyota motor credit in XXXX of XXXX at a 21 % interest rate so Im totally confused as to how Im ineligible. Its so hard to believe this disgusting treatment is still going on in XXXX all because of the color of my skin. Please help me get some justice from Toyota Motor credit and or the tmcc settlement administrator.
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| 07/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
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Web |
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Three months after purchase of vehicle I called of numerous complaints of issues with the car and overpayment as well I was told that their would be an adjustment and for months it never happened. Months later I am having issues with this car a second time, and I complain to Toyota that im not satisfied with the issuesI keep having as well as them making an adjustment as the promised. Fast forward months later as I continue to struggle with myself about making payments on what I would consider a lemon I decided to give Toyota one last call to try to make some kind of deal regarding the issues as well as the overpayment at whoch time they refused to lower the price, but would spread my payments longer which made no sense. I then told them I was doing a voluntary repo because not only did I overpay, but im continuing to drive what seemed to me was a lemon
|
| 07/11/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
I went in to the dealership to buy a used car. They suggested a lease instead. I said no to the lease because I did not want to pay a large excise tax on a new car that I did not own. They told me that because I was " leasing '' and not " owning '' that I would only have to pay one-half ( 45 % ) of the excise tax ( 90 % at full valuation ). When I told the salesperson my concerns she reassured me, along with a floor manager, that I would not have to pay the entire tax.
As a result of this information, I signed the lease. I got a bill last week for the FULL amount of the excise tax. When I called the dealership to question this, I was told that they never told me I would not have to pay the full fax.
If I had been told the truth, I would not have signed the lease. You will have to pay the entire 90 % of the new car valuation on a car you do not own.
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| 10/13/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Older American, Servicemember |
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XXXX XXXX XXXX, Account # XXXX I received a letter dated XX/XX/17 form XXXX stating that I owed them {$400.00}. The letter did not provide an explanation of what this charge represented. When I called XXXX I was told that the charge represented a personal property tax XXXX paid on the vehicle after I turned the vehicle back in. I requested that they send me a copy of the Personal Property Tax bill that they paid and they told me that they would not do that. I stated that I would not pay this invoice unless I received proof that they paid this fee. They again refused saying that obtaining this proof was my problem and said they would pursue collection. I then reiterated my position and told them I would be filing a complaint with CFPB if they pursued collection. To be clear I am willing to pay this bill if I am provided with proof of payment by XXXX.
|
| 03/28/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
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Web |
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XX/XX/XXXX : Paid my lease as agreed.
XX/XX/XXXX : Acquired a new car and the dealership took my leased car as part of the transaction. Lost posession of this car.
XX/XX/XXXX Lexus Financial services cashed the payoff check.
XX/XX/XXXX received statements. On both occassions, I was told by the Lexus Financial representative not to pay the statements and ignore them.
I was reported to the Credit Bureau. I have not had a single late payment in 33 years, including XXXX cars I bought from Lexus Financial Services.
I spoke with the dispute representative which refuses to admit any wrong doing.
My credit score now will affect by business and my partners as I can not take advantage of a good credit score, being Lexus Financial Services the only responsible account which they refuse to correct.
I have always paid all my bills on time and responsibly.
|
| 10/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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Purchased a used car from XXXX XXXX in XX/XX/XXXX, refinanced loan in XX/XX/XXXX with new refinance company. Sold used car in XX/XX/XXXX.
XX/XX/XXXX, contacted warranty service company to cancel contract XX/XX/XXXX : XXXX XXXX XXXX explained check would be sent to dealership XX/XX/XXXX : filed for a warranty service contract refund with dealership XX/XX/XXXX : contacted sales agent, they said it is in process XX/XX/XXXX : contacted sales agent, said they would get back to me XX/XX/XXXX : left voicemail to finance manager- never contacted me back XX/XX/XXXX : called finance manager again. No reply XX/XX/XXXX : reached out to sales agent again, said they would get back to me XX/XX/XXXX : sales agent explained check was sent to new refinancing company XX/XX/XXXX : contacted new refinancing company and they have no record of any check being recieved
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| 08/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American, Servicemember |
|
I logged onto the Toyota Financial Services website on XX/XX/XXXX to request a payoff for my auto loan. I had previously made an additional principal payment to the loan on XX/XX/XXXX. I immediately made the payment quoted of {$4600.00}. The payoff was good through almost the end of XXXX. After receiving and banking my funds Toyota has decided to tell me that I owe an additional {$280.00} because they made an error in calculating the payoff I was given in writing.
My loan was paid 2 months in advance with multiple additional principal payments made prior to the XX/XX/XXXX payment. I have absolutely no confidence in this company 's accounting. The error was made on their part. I have no control over the inner workings of this corporation. I want them to provide me with the title to my vehicle because I have paid them the amount that they demanded.
|
| 05/03/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
Went to lease a new Toyota Prius. The dealership made a deal without checking my credit report. They advertise XXXX+ FICO credit rating. My credit cards free FICO report showed XXXX+ on my statements, so I was n't worried. After transferring insurance and making the down payment, a person from the finance department showed up and said, we have a problem, my credit rating is less than XXXX. I asked ; which credit FICO or Vantage? His answer was ; Your XXXX. That is your credit, if you want the car the payment will be {$65.00} more.Being my insurance already transferred at that time, I decided I can pay for the new amount, but I still do n't think that is the right amount or that was the right way to make the deal. Also, I have a feeling they use, Instead of FICO, the Vintage credit score wich in most cases much lower, again Toyota advertises FICO!!!
|
| 11/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I financed a car through Toyota financial services, a bad mistake. They make you jump through hoops just to get approved. I usually go through my credit union and will do so from now on. Unfortunately I was T-boned in an intersection and my vehicle was declared a total loss on XX/XX/21 with the check being sent out that week. It is now XX/XX/21 and they STILL haven't updated their records to show that there is a total loss payoff. Yes, they still took my payment for the month it was due. They refunded me the payment for the next month but they have yet to show the car was paid off. I reached out to them 3 times about this. When I am late on my payment I am penalized with a late fee right? Toyota Financial Services should have the same burden of obligation to ensure their processes are working and not taking customers money for non existing loans!
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| 08/19/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
They received my certified mail letter On XX/XX/2023 I sent a certified mail # XXXX requesting for a notice for accounting to TOYOTA MOTOR CREDIT CORP., I requested an original authenticated request for accounting that includes all original contracts, withheld financial documents, refunded downpayment ( {$5000.00} ), tax forms, any and all types of financial forms of payment that's entitled to the consumer and or beneficiary. To which they denied communications and resulting in the company to forward to a process of default. I am now sending a letter following that onXXXX in detail of a notice of default & opportunity to cure. To which if the company continues to disregard the letters being sent, or fails to correct the financial matter effectively there will be no choice left to pursue all available remedies including litigation or arbitration.
|
| 07/14/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
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|
They brought me court I had 4 months left on leases to buy after the lease was up I was late in payment and want to pay XXXX to catch my lease up we went court and judge order me to give them they car I pay all that money on that car and I was fighting to keep it they would stop me from trading it at dealership because of they words. I did want to take my XXXX towards bring payment up to date .I FELL THEY CHEAT ME OUT THAT CAR. NOW THEY WANT ME PAY FOR CAR I HAVE IT WAS LEASE. They went on my credit report and put I work for XXXX XXXX XX/XX/2014 and I open my account onXX/XX/2014. I did know till i put my credit report they use my son information but i the one who buy the car they did because they had sold me lemon car. I was going suit them so they put in new car to XXXX me up. now i was at end of my lease did want take my XXXX to be caught up.
|
| 10/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My name is XXXX XXXX i have a account with Toyota financial services for about 3 years have not had any issues till I XXXX my XXXX due to XXXX called to get assistance such as a extension never had requested this on my loan before tried as much to cover it but for XX/XX/XXXX payment i called Toyota financial to request extension by the end of XXXX XXXX recall exact date requested a one month extension I clearly specified to representative I only needed one extension for XXXX payment. I get a letter stated next payment due XX/XX/XXXX .I never authorized that so today XX/XX/XXXX go online to make my car payment and my next payment says XX/XX/XXXX never authorized this and would like you guys to look on what is this company is doing. I called today and was told by representative my extension could not be reversed after explaining what happened.
|
| 04/27/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Back in XXXX I called Toyota company to ask for a 2 months pay push back. Due to my Calendar converter was stolen from my truck. And I had to pay for a rental. Then send me an email confirming the push back date.. I wasn't aware and no one told me I had to sign paperwork by a due date and fax it to them.
Then in the beginning if XXXX I got a notification that I was 2 months behind on my payments. When I called them they said they never got any sign paperwork. I did told them to go over any records from XXXX phone call to listen that I wasn't aware of sign paperwork..
I haven't received a called back yet..
But they did re email the paperwork and I fax it back to them with in 2 days..
But they already reported my 2 months late payments to the credit report.
I need help.
Toyota told me that they don't give forgiveness on late payments.
|
| 01/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XX/XX/2016 I moved to Florida. I had been paying the exact same amount for my car lease for years. Months later, I received a letter from Toyota Finance informing me that I had been underpaying for months and I owed significant penalties. I had never been late on a payment in over a decade, and I was never informed that my monthly payment had increased due to my move. I never ever missed a payment, I was underpaying because no one bothered to tell me my monthly payment increased.
I have disputed this information on my credit report twice, and the most recent dispute resulted in an update to my account which now shows I was 60 days late instead of the 30 days it showed previously. I feel I am being punished for disputing this information. My credit score has now dropped even further because of this retaliation. This is extremely unfair.
|
| 06/23/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Servicemember |
|
I had a 36-month lease with Toyota Financial Services. Due to a financial hardship, I made the decision to terminate this lease early. I returned the leased vehicle to the original dealer on XX/XX/XXXX. On XX/XX/XXXX, I paid the amount of {$3500.00}. I was told by TFS that this would be the remaining amount of monthly lease payments with a maturity date of XX/XX/XXXX.
On XX/XX/XXXX, I received a letter from TFS stating I needed to pay them an additional {$3300.00} beyond the agreed amount of payoff. I contacted TFS by phone shortly after receiving this letter to question this additional amount. I was told that they sold the vehicle and that this was the difference in what they claimed it was valued at and what they sold it for. The representative told me that there was nothing that he could do to change that and that he could not help me.
|
| 10/06/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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|
We traded our Toyota Sienna in at the beginning of XXXX 2015. Our typical payment would have been due on XXXX XXXX but the dealership told us not to pay it as it was included in the payoff amount that would be sent to Toyota Financial Services. TFS received the payoff on XXXX XXXX, 2015. In XXXX we were told that Toyota had reported to the credit bureaus that our XXXX 2015 payment was past 30 days late. Since we were given this information I have contacted Toyota Financial Services XXXX times via phone, once via email and another via written letter. I have heard nothing. We need to get this removed from our credit report. This payment was not over 30 days late. We are in the process of purchasing a new home and this blemish on our credit report is significantly affecting us. I do n't know what else to do and I 'm at my wits end with Toyota.
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| 11/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
In XX/XX/XXXX, I bought a truck with Toyota motor credit and they added optional packages to the loan without me knowing about it. When I found out, I wanted to cancel with them at the dealer and they didn't. I called and they didn't give me a solution and that affected my credit. 3 months I changed the car and they removed said packages adding them to a new loan from another car which they did not notify me of said products added to the loan which made my payments higher than unusual which affected my credit and increased the APR of the loan In XX/XX/XXXXXXXX I changed the car again and they added said extended maintenance package which I had to call and canceled but they told me that my payment would not go down they only added the balance to the main balance of the loan which affected my credit score even more which continues to affect
|
| 06/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
XXXX XXXX XXXX in XXXX, XXXX adding on a XXXX Commercial GAP insurance for {$850.00} and XXXX Vehicle Service Contract for {$3300.00} to customers invoices without asking if they would like to purchase these services or state that they are optional. They commingle the paperwork for these optional services with required paperwork for the vehicle purchase. There position is that they have all of the paperwork signed to support the services sold. I explained to them that if the obtained these signatures in an improper manner by not asking a customer if they would liked to purchase optional services, this is fraud. Additionally, the GAP waiver is a sham product that flew people would purchase if specifically asked. If in spirt, it was not presented as optional its cost needs to be disclosed in the APR of the federal truth in lending statement.
|
| 02/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I co-signed on a lease and the other party was unable to complete the lease term so the vehicle was voluntarily surrendered. Toyota Financial placed the account in collections and I subsequently reached a payment agreement with the collections law firm. I have started making payments and was told by the law firm that Toyota will update my payment status with the credit agencies.
On XX/XX/20 I called Toyota to check when my account status will be updated from Collections/Charge Off to Pays as Agreed. I was advised by the customer service agent that it will not be updated to Pays as Agreed and will only be updated to Paid in Full when the account is fully paid. This status is affecting my ability to be approved for financial aid for my studies and I would like Toyota to update the status to reflect the fact that the account is being paid.
|
| 04/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a new Toyota vehicle in XXXX of 2017 from a Toyota dealership. The vehicle is financed through Toyota Financial Services ( TFS ). Each month I send in approximately {$40.00} extra. I have had numerous conversations with different TFS representatives where I indicated to them that the extra money sent in each month with the payment is to only be applied to principal. TFS continually applies the extra money that I send in to future payments. This in no way benefits me, the consumer. I was told several days ago by a TFS representative that she was going to reapply the extra money I sent in since the loan origination to the principal and provide me with a new loan balance. Today, I received an email with the same erroneous balance and the extra payments advancing the next payment due date to XXXX. Can the CFPB please assist me?
|
| 06/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I leased a 2021 XXXX XXXX from XXXX XXXX in XXXX, IL XXXX of 2021. XXXX XXXX approved the loan. The finance manager stated I had an option to lease or finance, but both options were for the same monthly dollar amount which was {$990.00}. After my down payment of {$7000.00}. I thought when you lease the monthly payment is less vs. financing but XXXX ( the finance manager ) told me that wasn't true. I took out a 48 month lease which would bring the total payments to {$54000.00} ( according to the paperwork from the dealership ). Furthermore, if I chose to purchase the vehicle when the lease is over I'll owe {$21000.00}. So I would be paying a total of {$68000.00} for a {$46000.00} vehicle. Also, the loan is in my name as well as my company 's name. I want to file a complaint for predatory lending against XXXX XXXX as well as XXXX XXXX.
|
| 06/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
My husband and I bought a XXXX Toyota XXXX in XXXX of XXXX. Toyota XXXX is our lein holder. My husband passed away XX/XX/XXXX. Our vehicle was titled XXXX XXXX AND XXXX XXXX. ( Not & or survivor ) DMV needs Toyota Financial to release the title long enough to make necessary changes ( taking my husband 's name off the title ) I have talked to Toyota Financial repeatedly & filled out, mailed AND faxed paperwork to them that is required. They are telling me that DMV will have to fax a written request for them to consider doing this! DMV will not do this, as they have never been asked to do this before! I can't get my registration renewed until this is resolved. I was pulled over by a police officer Friday night in XXXX XXXX Va and was written up with a warning. I'm stuck in the middle of this situation .... PLEASE ADVISE!! I NEED HELP!
|
| 05/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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Toyota motor credit Corp Documents have been sent in showing that the loan has a {$0.00} balance yet it shows up on my credit report as the only negative interaction I've had. I have proof the loan was paid down in full. The documents have been sent to dispute in the past. Also the account wasn't mine too begin with. I was XXXX years old at the time and didn't have a car. I'm a XXXX and I believe the accounts were mixed up. This has all been brought to their attention.
Date reported:XX/XX/XXXX Payment Status : Collection/Chargeoff Account Status : Derogatory Amount Past Due : {$8500.00} Bureau Name TOYOTA MOTOR CREDIT CORP Account Type Auto Loan Responsibility Individual Original Loan Amount {$25000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
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| 05/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I have a car loan with Toyota Financial which I pay monthly and in advance. My regular due date is the XXXX of each month. Not only do I pay in advance, I pay more than the agreed upon payment ( {$340.00} ). I called Toyota Financial 's customer service in XX/XX/2019. My XX/XX/XXXX statement showed my next payment date is XX/XX/2019 where I owe {$19000.00} My XX/XX/XXXX statement showed that I owe {$19000.00} and that I made a {$340.00} payment. I was told that I'm being charged a late fee ( although it doesn't show ). I have never been late making my payments. In addition to this my XX/XX/XXXXstate shows that my next payment due date is XX/XX/2019 ( shouldn't it be XX/XX/2019? ). When I called Toyota 's customer service again in XX/XX/XXXX, I was told I'm being charged daily simple interest. This is a car loan and not a credit card.
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| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX & Account # XXXX XXXX XXXX & Account # XXXX XXXX XXXX & Account # XXXX XXXX XXXX XXXX & Account # XXXX Toyota Motor Credit & Account XXXX XXXX and have violated several of my rights.
15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
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| 05/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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On XXXX XXXX l sent a letter to Toyota Financial Services Administration respectfully requesting a lower monthly payment of $ XXXX {$390.00}.
I have a Extreme Permanent Financial Hardship and family Members also has a Financial hardship because of Coronavirus Pandemic issues.
I am respectfully requesting that Toyota Financial Services make my auto loan more affordable as {$480.00} is to much for me to handle.
I respectfully request that Toyota Financial Services accommodate me on my ADA XXXX Civil Rights Act under Department of Justice.
I like to keep the vehicle, and continue making timely monthly payments after XX/XX/2020 of payments between {$380.00} - {$390.00} a month.
This what l can afford on auto loan.
Coronavirus Pandemic issues has impacted many of my family and America Citizens and Military Veterans in America.
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| 02/23/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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Toyota Motor Credit Acct # XXXX is reporting that I owe a balance of {$1100.00} after turning in a leased vehicle. These are outrageous and inaccurate charges that are NOT TRUE! They are charging for keys when both keys were turned in the same day that the car was returned to XXXX XXXX XXXX. They also state that there were " scratches on the spoiler '' - there 's NO spoiler on the car. I was n't even there when the so called " inspector '' looked at the car.. They even have the interior color wrong! The vehicle was well taken care of, including low mileage and in great condition. I have called several times to try to rectify this situation and I get nowhere! I 've also sent demand letters. Their customer service has not helped me in any way. The information being sent to me is not accurate. I am so disappointed with this company!
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| 08/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Toyota financial services received refund from service contract cancellation in the amount of {$1600.00} on XX/XX/XXXX. The monthly payment for the car was {$330.00}. TFS applied {$1600.00} towards principal and reported 30d late on XX/XX/XXXX.
Signed contract does not show terms regarding service contract cancellations. Customer was under informed and had no chance to know that service contract cancellation refund will not be applied towards monthly payment. Please follow signed terms of a contract.
TFS informed customer that payment will be applied towards principal after 30d late mark was already reported ( as per conversation with TFS representative on XX/XX/XXXX ). There was no information given to customer prior reporting 30d late that a service contract cancellation refund will not be applied towards monthly payment.
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| 11/28/2023 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am writing to dispute the inaccurate information on my credit report. I have carefully reviewed my credit report, and I have identified an error in the reporting of late payments on my account.
TOYOTA MTR XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
I want to bring to your attention that the late payments reported are inaccurate. The account in question has been settled and closed, and there should be no record of late payments after the settlement date.
I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and I am exercising this right.
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| 08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
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| 03/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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DISPUTING TOYOTA MOTOR CREDIT CORP ALSO KNOWN AS TOYOTA FINANCIAL SERVICES CREDIT REPORTING Name- XXXX XXXX DOB- XX/XX/XXXX Address- XXXX XXXX XXXX, XXXX. XXXX XXXX. Washington DC XXXX XXXX last XXXX XXXX Account number XXXX I, XXXX XXXX, hereby officially disputing Toyota Motor Corp also known as Toyota Financial Services reporting to credit agencies as untrue.
I am asserting that the reporting of late payment from Toyota Motor Corp also known as Toyota Financial Services is false or untrue.
I have attached documents showing an up to date payments from Toyota Motor Corp also known as Toyota Financial Services .Reporting false info to credit agency amidst pandemic hardship is cruel and illegal business practices.
I therefore employ you to investigate and adjust my credit report.
Thanks XXXX XXXX XXXX ( XX/XX/XXXX )
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| 01/31/2017 |
Yes |
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- Taking/threatening an illegal action
- Seized/Attempted to seize property
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Web |
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TOYOTA MOTOR CREDIT CORPORATION has no legitimate claim I to my consumer property. They are not a party to the contract I signed with XXXX The Contract listed XXXX as the CREDITOR/SELLER.
TOYOTA MOTOR CREDIT CORPORATION is not Holder in Due Course of my Consumer private property. I feel that TMCC has conspired against me along with XXXX. I was not given FULL DISCLOSURE and COSUMATION pursuant to Regulation Z of the Truth In Lending Act.
I have sent out communication via certified mail to TMCC to resolve this matter privately, which they have disregarded, violating my Federally Protected Consumer Rights.
TMCC has now placed a repossession order on my private consumer good. I am being intimidated by a repossession man and tow truck at the front of my home at which I had to call the police at around XXXX XXXX/XXXX/2017.
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| 07/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I contacted Toyota Financial Services when my account was XXXX days past due, attempting to make the remaining portion of my monthly payment on that day to avoid my credit from being affected. However, due to Toyota 's inability to date my payment by phone for the same day, the only option given to me was to date it for XXXX days later ... .the earliest possible date it would reflect as posted on my account. I disputed the credit mark directly with Toyota and through the credit bureaus, but it has not been removed. This now impacts my ability to afford the purchase of a home for my family at a reasonable rate.
I was a good customer and appreciated the overall service received. I paid the loan off in full, and this one instance was the only time the account went over XXXX days past due throughout the duration of the loan.
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| 02/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I bought a XXXX XXXX and had monthly payments with Toyota Financial Services. I decided to pay off so paid it off by phone and the representative said I would get something in the mail regarding my tile. Months passed by and I didnt get anything in the mail. I called and the representative said she would request to be resent. Month passed by and I didnt hear anything. I called again and representative said the request denied and they dont send anything. I have to go to DMV. I went to DMV and they said they dont do title and they sent me to their XXXX location. When I went there, the asked for my ID and asked me to sign to get my car tile. They charged my card {$85.00}. Toyota never disclosed that getting my car title would cost money and they never disclose that they that I have to go through so much to get my car title.
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| 10/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved.
I am a consumer, natural person, who exercised my right to grant and extend credit by using the open end consumer credit plan by way of the use for credit card of choice, being the social security card. On XX/XX/2021, I entered into a consumer credit transaction with XXXX XXXX XXXX along with the financial institution, Toyota Motor Credit corporation for the purpose of obtaining the property purchased. None of the contracts provided to me had full disclosures including not disclosing that I have the right to rescind pursuant to 15 USC 1635. Therefore, I have practiced my right to rescind before the 3 day expiration after the date of consummation of the transaction and being sent to all parties involved via Certified Mail.
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| 08/23/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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|
Web |
Servicemember |
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My vehicle was totaled on XX/XX/2019, and my insurance paid {$4100.00} more than what was owed on the vehicle. I was assured by Toyota financial services that I would receive that overage amount. TFS received the payment from my insurance on XX/XX/2019. I have called more than 15 times about the status of this check and so far have received nothing. I spoke to a manager on XX/XX/XXXX and he assured me the check would be sent that day. I never got it in the mail so I called again on XX/XX/XXXX and was told it would be 10 business days. I called another time on XX/XX/XXXX and was told another 10 days. I called today XX/XX/XXXX and was told the account was not closed and the check had not been sent and that it would be sent in 10 business days, So I emailed the manager I originally spoke to and have not gotten a response.
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| 12/20/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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My vehicle was stolen and was never found. My insurance company paid out both me and the lease holder ( Mazda Financial Services ). I confirmed with Mazda Financial Services that they received their payment and show a {$0.00} balance with regard to the lease. However, Mazda Financial Services told me they would continue to charge me my monthly lease payment ( 2 months in at this point ) until they received a specific letter from the insurance company. All of which is out of my control. So even though the lease had been paid off and had no balance Mazda Financial Services said they are not going to close my account and stop payments on their end until they get the paper because " that's just the way it is '' as they put it. So I am paying monthly for a car that doesn't " exist '' and which everyone has been paid for.
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| 09/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I actually have XXXX complaints about Toyota Financial Corp.
The first is their calling practices. They will initiate collection calls well ahead of when the payment is actually late. They claim they are reminders, but they are clearly collection calls. The calls continue regardless of any arrangements made. Also, the caller ID never identify them as Toyota Financial.
The second complaint against them is this : I had gotten a bit behind and asked them for an extension. With other finance companies, this has never been a problem. Toyota said I ca n't have one, fair enough I guess, but when I asked for a reason, and when I 'd be eligible for one they claimed that their company policy was to not give out that information. I 'm sorry, but " Because we said so '' is not an acceptable thing to say to a paying customer.
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| 01/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On or about XXXX XXXX, I made a payment of {$430.00} to Toyota Financial Service for my auto loan. XXXX to me, Toyota Financial changed my post date until XX/XX/XXXX without my permission. I received a call from Toyota Financial ALLEGING that I did not make my XX/XX/XXXX payment. I disputed the false allegations and told representative that I already made payment on or about XX/XX/XXXX. I tried calling Toyota Financial on XX/XX/XXXX, XXXX to correct THEIR mistake and I have been WAITING on the phone for over XXXX XXXX MINUTES and counting! I want Toyota Financial to correct THEIR mistake, not to be charged any lates fees, additional cost or accumulated interest because of THEIR error! I have NEVER requested to have my payments post dated and I have enough funds in my account to cover the transaction then and now.!
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| 07/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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|
Web |
Servicemember |
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XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request.
Thank you for your assistance.
Sincerely, XXXX XXXX XXXX, XXXX.
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| 08/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I purchased my vehicle at XXXXXXXX XXXX XXXX XX/XX/XXXX and financed my car with them. I paid of my car on XX/XX/XXXX. I never received the title to my car. Toyota Financial Services told me to go to the DMV and get my title. They told me to do this and I went 3 times to get my Pink Slip. XXXX with Toyota Financial said she has made numerous calls and still can't get it. DMV in XXXX said that XXXX XXXX XXXX has the title and they are the ones that need to release the lien. I called XXXX XXXX XXXX on XX/XX/XXXX and they said they would have the lien released. Never got it. I called XXXX XXXX XXXX on XX/XX/XXXX and XXXX said she would sent an email to the collateral dept to get the release of lien. Never got it. I called today XX/XX/XXXX and now XXXX XXXX XXXX said they don't have any records. I need your help!
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| 09/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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Web |
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This Rescission notice is made Pursuant to 15 U.S. Code 8 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions.
I, XXXX XXXX, participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. CODE 1602 ( 1 ) ; Take further notice that Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law : You DEALERSHIP also accepted a CASH down payment of {$10000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction.This contract is fraudulent
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| 02/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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In XX/XX/2022 Toyota Financial reported that I missed a vehicle payment that month. I always make a payment towards my vehicle. I contacted TFS and requested to have their credit department remove this error from my credit report. They refused to and has impacted my credit report. In XX/XX/2022, after reviewing my credit report I noticed that TFS had moved that same " late payment '' error from XXXX to XXXX. I know for a fact I was never late 3 months in a row ( XXXX, XXXX, XXXX ) or the vehicle would have been repossessed. The " late payment '' in XXXX was no longer showing late rather they moved it to XXXX! This is not the type of business I want to be doing with a company that is dishonest and plays around with customer 's credit. I work very hard to have my credit impacted because of the TFS ' oversight.
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| 03/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
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Web |
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I made my month payment to my loaner. on time but the payment was never apply to my bank account and they told me the bank didnt approve the payment!! When i called again they told me the have the wrong bank account when i been making the payment with the same bank account.they been changing the answer on every single call i did!!! When i called told them to make sure why they didnt take the money out and they gave me a different story i was told that I didnt have enough money when i know for sure i did have the money to pay, the loan now they are charging me late fee and my credit score went down because of that.i just want the bank loaner to fix the payment to make sure they take the money out the bank account and dont over charge me, to fix my credit scores!!! Thank you so much i hope you can help me out
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| 11/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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I am making this statement as a Notary Public ( CA # XXXX ) for and by the State of California : On XX/XX/2019 my family 's XXXX XXXX XXXX was illegally repossessed from our front driveway without prior notice, either in written or verbal format, from Toyota Financial Services ( TFS ). To wit, TFS has admitted that they withheld said communications under the guise that my family was somehow on a, '' Do Not Call '' list ( false ). In any case, we have redeemed that said repossession and gotten the XXXX XXXX XXXX returned to us on XX/XX/2019. However, TFS still wants {$280.00} in " Late Charges '' by XX/XX/2019 in addition to the regular monthly payment. It is my assertion that TFS is simply trying to reconcile their accountancy system of my car 's record by getting the payment current in all costs and fees.
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| 02/28/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
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|
Web |
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I purchased a lease vehicle from Toyota financial and they have been adding misc charge and said it was taxes in the sum of {$2000.00} dollars. My lease ended in XXXX and they said I could extend my lease for 6 months and the payment would be approx XXXX. I called to make a payment and I was told my payment is {$470.00} approx a month for a XXXX toyota corolla. I believe i refused to purchase a lease vehicle from the dealer and all of a sudden my expenses have gone up. I have no letter stating my monthly payment. even on the website the total for 2 months is XXXX yet the agent on the phone told me it was over a XXXX even though on the website on my account it says XXXX. Their numbers are not matching and I feel like i am being cheated. I have had terrible service with Toyota financial due to these issues.
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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I held two separate accounts with Toyota Financial Services. One account encompassed a lease for a XXXX XXXX, while the other involved a lease for a XXXX XXXX. The XXXX lease was entirely settled on XX/XX/XXXX, and the XXXX lease was similarly paid in full on XX/XX/XXXX. Despite these complete payments, XXXX proceeded to label our accounts as delinquent to XXXX XXXX XXXX. Consequently, both my wife 's and my credit scores experienced a substantial decline of XXXX points.
I diligently submitted all necessary documentation to XXXX via their web portal, and I even engaged with their representatives on two separate occasions ( early XXXX and XXXX ). Regrettably, XXXX has yet to rectify the erroneous impact on our credit ratings. I kindly request your assistance in resolving this troubling matter promptly.
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| 09/21/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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|
Web |
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I am writing with a complaint against Toyota Financial Services for unfair business practices. In XX/XX/XXXX, I leased a vehicle from Toyota for three years, and in XX/XX/XXXXI opted to return the leased vehicle to Toyota. The vehicle was in excellent condition, with just minor wear and tear. I was very upset when I received a bill in the mail from Toyota Financial Services in the amount of {$2900.00} for excessive wear and use, excessive mileage, and a disposition fee. I do not agree with the charges, as the vehicle is in excellent working condition, but Toyota Financial Services has refused to waive or reduce them. I furthermore do not have the money to pay them, but I do not want this listed as a bad debt on my otherwise excellent credit. Thank you in advance for whatever assistance you can provide.
|
| 03/31/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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My complaint is against Toyota Financial Services. We returned a leased vehicle and got another XXXX except it was under my name. The returned leased vehicle was under my wife 's name. Toyota financial sent us a bill for {$350.00} which was the disposition ( return ) fee. However the return fee was waived since we got another toyota vehicle. Per Toyota Financial request, I faxed them a signed letter ( 3 times ) with the the old and new account numbers by both myself and and wife, I also spoke with numrous accoutn representatives at Toyota Financial. I spent a lot of my valuable time to resolve this issue. Yet, we still get payment demand letters from them and the last letter was from a collection agent. I called back and the representaive did not know how to handle the situation. Please help. Thank you
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| 07/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
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Toyota Motor Credit Corporation charged me a 20.75 % interest rate after being a returning customer with the first loan being paid off and it's absoultely atrocios. In XXXX I purchased a 2011 XXXX XXXX with XXXX miles from XXXX XXXX in XXXX Ma. As I stated this was my second loan with this company with the first one was paid off in early XXXX due to an accident. However still when I went through Toyota Motor Credit I was charged this ridiculous interest rate allowing this company to get almost {$20000.00} in interest alone.I told the loan officer that this was too expensive for me and she assured me after making 8 on time payments I would be able to refinance at a lower rate which wasn't at all true. All I'm trying to figure out is how this is fair to me as a human being let alone a retuning customer.
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| 09/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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this issei is between XXXX XXXX XXXX XXXX XXXX ct and XXXX XXXX and me, when i trade XXXX XXXX XXXX with over maileg and XXXX XXXX ADEED IT TO MY NEW MONTHLY PAYMENT IT WAS ABOUT XXXX DOLLAR but XXXX XXXX trying to force me for amount of XXXX that amount is over maileg and the rest is tax and this amount i already bay about 900.00 to XXXX XXXX XXXX and i have all decominte but they insist that balance of XXXX stel not bed tile naw. and toyota motor credit corporation sent me a letter on XX/XX/XXXX. XXXX. XXXX ACCT # XXXX, CREDITOR ACCT # XXXX, ACCOUNT BALANCE:XXXX. I HAVE ONE YEAR GOING TO XXXX XXXX XXXX TO HELP ME BUT EVERY TIME I WENT THAR THEY NOT GIVE ME ANSWER THEY SED DO NOT WORRY WE WILL TECAR OF THAT. WHAT I CAN DO I NEED HELP PLEAS, THANKS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CT
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| 01/04/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I terminated a vehicle lease on XXXX. I took out a new lease on a new vehicle that same day. Lexus Financial Services continued to electronically withdraw, for the next 2 months, money from my account to apply to the car which was returned even though I was free from further financial obligation, and even though I went online to close their access to electronic withdrawals. They reported me once late as " past due '' payments to the XXXX credit reporting agencies, then circumvented my web account management to take money from me. Over a dozen calls to them get no resolution : promises aplenty, but no resolution. Their various departments at LFS do not seem to be able to communcate with each other effectively to solve what should be an easy issue : termination of XXXX lease and initiation of a second.
|
| 10/09/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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I sold my vehicle to XXXX on XX/XX/2021. My vehicle lease title is held through Toyota financial services. Toyota financial services received full payment for the vehicle on XX/XX/2021 from XXXX. I faxed all required paperwork to Toyota financial services as well. I've repeatedly called Toyota financial services about the status of my loan termination. Every time I call, they tell me that they don't understand why my title is not released and that they will escalate my issue and get it resolved. Meanwhile, it is XX/XX/2021 and my title is still not been released out of my name. The account still shows full balance owed. I have had to continue making payments, while they hold the check for the full balance owed. I am on my wit 's end with this company and have no idea what other actions can be taken.
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am applying for an equity line of credit and during the application process, my banker identified an account from Toyota Motor Vehicle Finance. Which showed in my credit report as a bad debt, nonpaid. I have no idea about this loan, I have never owned a XXXX vehicle or ever financed a car through them. I called Toyota Finance on XX/XX/XXXX, and I found out there is another loan under my name and social security number for a XXXX XXXX XXXX under my name and someone else. Toyota Finance tells me the entire process will take about 30-45. It's so unfortunate that I have to wait that long for identity to be determine and I am in the process of applying for a mortgage loan because this is making it very difficult to get the loan. I appreciate your prompt response and attention to this important matter.
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| 12/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
Servicemember |
|
Loan via Toyota financial was closed and sold to XXXX XXXX XXXX XXXX XXXX letter sent in XX/XX/2022 XXXX due to accident of nature XXXX car gone contacted XXXX advised loan closed sold to XXXX XXXX contact XXXX XXXX did spoke with XXXX was advised did not repo did not have authority but call back Monday see if police can advise of repo police could not again called XXXX Monday XXXX advised call XXXX XXXX XXXX XXXX said XXXX we can not repossess we are a debt collector XXXX Toyotas contacted again deferred to XXXX XXXX XXXX to another toyota department again no idea where car is loan closed XXXX Tortola lm XXXX Toyota lm they did repo letter was written to advise XXXX although taken XXXX and toyota no XXXX XXXX owns loan that is under XXXX they sold the debit repo car wont give where property is
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| 06/12/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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In XXXX 2021, I already tried several calls with this company, Toyota Financial, and I told them they have the wrong number! They confirmed that they do have the wrong number and that they will not call me again. However, they still tried to call me every single day, and I reported to CFPB in the same month ( COMPLAINT ID XXXX ). Everything went well and they ensure that this won't happen again.
Recently, I am again receiving several calls from them again, with a different number, ( XXXX ) XXXX, I really have no idea what I should do to avoid this from happening again and again. They have the wrong number on their file!!!! I do not have any vehicles and I froze all my SSN so no one should be able to use my SSN to apply for loans ....
They have to remove my number from their file and STOP CALLING!
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| 03/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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My name is XXXX XXXX.
I took auto loan with TOYOTA FINANCIAL SERVICES for a new TOYOTA RAV 4 from XXXX Toyota, XXXX XXXX. and never missed a single payment and always paid little more.
I was in an accident XX/XX/XXXX and the car was a total loss. I already made payment for XX/XX/XXXX payment. My auto insurance paid XXXX XX/XX/XXXX i.e. XXXX % of the total loan value and I did file for GAP insurance claim on time for the remaining amount of XXXX My GAP insurance paid off the remaining and amount and thus my complete loan was paid off date XXXX/XXXX/XXXX.
Today dated XX/XX/XXXX, I checked my credit report and TOYOTA FINANCIAL SERVICES reported a late payment and it dropped my credit score by XXXX points. I am under immense stress. I in need URGENT and DESPERATE help resolving the issue.
Please.
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| 05/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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Web |
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I am an XXXX XXXX XXXX and was charged a higher interest rate and feel that added fees/incentives were tacked on to my sales price. Per an article in the news, " Today the Consumer Financial Protection Bureau ( CFPB ) and Department of Justice ( DOJ ) resolved an action with Toyota Motor Credit Corporation, under which Toyota Motor Credit will change its pricing and compensation system to substantially reduce dealer discretion and accompanying financial incentives to mark up interest rates. As part of todays order, Toyota Motor Credit is also required to pay up to {$21.00} XXXX in restitution to thousands of XXXX and XXXX and XXXX XXXX borrowers who paid higher interest rates than XXXX borrowers for their auto loans, without regard to their creditworthiness, as a result of its past practices. ''
|
| 03/27/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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On XXXX XXXX, 2017, I purchased a new car from my local Toyota dealer ( XXXX, XXXX XXXX, PA ). In a moment of weakness I also purchased a Vehicle Service Agreement with the {$1800.00} premium to be included in my auto loan through Toyota Financial Services ( TFS ). After reflection, I returned to the dealership 24 hours later and cancelled the agreement with the premium to be returned as a credit to my loan balance. After more than 4 weeks, with no refund and multiple inquiries to both the dealer and TFS, I was told that the refund process normally takes 6-8 weeks before the credit is applied to the loan balance. In today 's electronically-connected financial environment there is no legitimate reason for a simple refund to take that long to process. Two business days would be much more realistic.
|
| 07/01/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
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On XX/XX/XXXX, I did make a phone call to Lexus financial to check the detail of my payoff amount. Their representative can't answer me clearly and also say something else to blur the detail. Once he transferred me to the resolution team, they are not able to explain the detail either but will email me the detail.
Later, I received the explanation email that still doesn't come with detail or the equation on how the final number comes out. The explanation letter just told me the principle of how the number they calculated.
In total my payment together, I have paid more than XXXX than the XXXX OTD number.
And under the current lease term, I have been charged the full amount of XXXX term 's lease tax, and I have only fulfilled XXXX months, I am also looking for these tax refunded back to us too.
|
| 11/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
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I have made multiple attempts to reach out to Toyota Financial at ( XXXX ) XXXX to retrieve my refund of {$740.00} as indicated in my letter dated XX/XX/2022. At no time was a refund check issued to me for {$740.00}. Upon speaking with the representatives on multiple occasions, there was unfortunately no resolution. I would like to cite the XXXX act in regard the aforementioned issue. A notice providing reimbursement in regard to a coverage that was purchased was sent indicating there was a refund to be issued, but unfortunately no refund was issued. There was a claim that this refund was issued, but the individual on the phone was unable to identify anything specific and indicated they were reviewing with a department, but only kept me on hold for an indefinite amount of time ( on each call ).
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have submitted two complaints and responses regarding this account, they have only removed some not all late payments as requested. They are still currently reporting incorrect information and this is negativley affecting my report. They are violating my rights and FCRA. I have submitted a complaint with the Attorney General as well. They have removed some late payments that were inaccuratley reported and have acknowledged reporting innacurately. However they still refuse to remove all the payments as requested and comply with FCRA. They have edited their reporting and state they are reporting within the guidlines. They knowingly and willingly reported false information and have made edits after seeing dates not match up on the 3 bureaus but have not removed all late payments as I requested.
|
| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have loan with TOYOTA MOTOR CREDIT. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP.
TOYOTA MTR XXXX Date Opened : XXXX/XXXX/2018 Balance : {$0.00}.
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| 05/05/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
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In XXXX of 2010 I purchased a Toyota. I did not know that at that time there were massive recall of Toyotas due to acceleration problems causing death and accidents. The company did not mention this fact.
A few months later, unaware of this problem, I was driving the car on freeway XXXX south. The gas pedal stuck. I had to drive off freeway almost causing accidents and drive in field until car became stuck in mud. What if I had grandkids in car!!???!!
So after months of disputes over not paying -- because who is going pay and drive a car that is unsafe, I turned car in to dealer. I have filed complaints about this. I was told that nothing negative would be reported about me to credit bureau. Haha more lies.
It is on my credit report as Toyota Motor Credit Co. This car was a XXXX, unsafe.
|
| 10/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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To whon it may concern. I had a XXXX XXXX in XXXX I was very happy with that and now I have a new XXXX XXXX XXXX. I took out my credit report and I was all shocked. seeing a late payment on the XXXX XXXX XXXX when I called them they told me I was 60 days late .I told them that I never got any letter in the mail they told me you have to know without getting your statement in the mail. But I was paying online auto pay and how should I know that the payment did n't went thru with out getting a letter in mail. Then I went to toyota financial They ignored it. Please help me They should take down the negative late payment from my credit report as soon as possible because i never got any letter or email that the payment did n't go through how in the world should I know to make a payment thanks XXXX
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I noticed on my credit report that I a late payment for Lexus Financial. It was from 2021. I called them to discuss and we both came to the conclusion that it was when I signed up for Automatic payments from my checking account. I must have not submitted something properly and it didn't take the money from account. It was rectified the next month when I realized that my payment had not come out.
That is the only late payment on my credit report and the only late payment I have ever had with them. It was a simple mistake and I asked if they could please get that taken off of my credit report and they stated they could not the error would have had to be on their end.
They suggested to me that I come to this website and try and have you get it rectified. I hope you can assist me with this.
|
| 05/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I leased a XXXX XXXX XXXX XXXX from Toyota Motor Credit Corp. in XX/XX/XXXX, the SUV was returned on XX/XX/XXXX which was its due date and the mileage on the SUV was XXXX ( I was allowed to use XXXX per year ) well within the target needed for a 3 year lease, I have a copy of the returned document.
The next thing I know is a letter from a XXXX XXXX XXXX debt collector, they are telling that the SUV was stolen and was eventually recovered and that I owe {$2200.00} dollars. I called and spoke with a XXXX XXXX in XX/XX/XXXX, I also called Toyota who refused to speak with me as they had turned this in to a debt collector. I have not been able to resolve this issue after calling and engaging now every month and feel my hands are tied, I need your help as they are also hurting my credit history.
|
| 03/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
Older American |
|
My lease terminated on XXXX
On XXXX I received payoff letter ( attached ) for the amount of {$22000.00} good till XXXX
On XX/XX/2023 I made an online payment to Lexus XXXX for the full amount indicated on the payoff.
On XXXX Confirmation was received from Lexus XXXX of payment received.
As of today I have yet to receive title to the vehicle.
Call to Lexus have not been successful in obtaining resolution.
Lexus has instructed me to proceed to a dealer to purchase the vehicle and that they will return the payoff payment. It's been almost 2 months and I have yet to receive the refund.
I have been forced to extend the lease because Lexus was reporting that my payment was overdo. I am now {$22000.00} out of pocket as well as having to make monthly payments in order to protect my credit.
|
| 03/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, PA, XXXX As a consumer I am exercising my right to ask that you please in writing, define using Federal Law what exactly is a late payment and why it is reporting on my consumer report. If this is what looks like a consumer credit transaction which means it was already paid for once a credit card ( social security card ) was used in order to obtain this alleged vehicle. Then why are there late payments present on my consumer report? Please show proof of these alleged late payments. If your company is unable to provide the information that is asked for then I am requesting as a consumer and the original creditor that the remedy for the violation of having inaccurate information on my consumer report be : Deletion from all consumer reports.
Thank you.
|
| 08/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Please allow this letter to serve as notice that the statements have been getting mailed to an incorrect mailing address, I have requested this change to be made several times. They 're 2 addresses to which statements have been sent, both are incorrect and as a result I have not been receiving the statements. I use my debit card from my bank to make payments. When I do this you ask me to verify the billing address that is on file with the bank associated with that bank account. I believe this may be the cause of your mistake.The recent late payments reported to my credit file are unfair as your company has failed to place the correct mailing address I have requested several times. Please correct my address to what it has been for the last 3 years ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
|
| 12/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have been a with TOYOTA MOTOR CREDIT customer since XX/XX/2018 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX, XXXX, XXXX, XXXX, XX/XX/2018 ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
|
| 04/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Hello, I purchased XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX in XXXX, MA. Since this new vehicle was scratched, the sales manager agreed to pay first payment to Toyota Financial ( where vehicle loan resides ). When it was time to pay the first payment, the Toyota dealership did not pay it. I've contacted the dealership many times via phone calls, emails and even through Toyota corporate. The business development director at the dealership stated that he will " look into this and provide me a response '' and never addressed the issue and now will not respond to multiple phone calls and emails. This dealership is dishonest and deceitful. They do and say whatever possible to sell vehicles but do not follow through their agreements. I am considering legal actions against this dealership.
|
| 11/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I arranged to pay {$100.00} on my car loan on XX/XX/2022 and set up recurring payments of {$200.00} weekly to keep my car from being repossessed and to get caught up on payments. I noticed on XX/XX/2022 that the recurring payments were not on my account and attempted to call number on account and was left on hold for hours and I submitted a XXXXXXXX messages through my online account after each time I attempted to call that I needed to be able to have access to setup recurring payments and have emails that show I submitted those requests. I then setup recurring payments through my checking account and XXXX failed and setup {$400.00} again recurring weekly to catch up those payments and tried calling the loan provider because they kept calling in early morning hours like XXXX to XXXX.
|
| 09/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Toyota financial services ( TFS ) reported wrong information on my credit report stating I had a late payment for 30 days. I have never got any letter, call or communication from them stating I am behind in payments. I always made my payments on time and was really surprised or stressed seeing this wrongful information in my credit reports. I contacted Toyota financial telling them to check their information and delete this wrong report but they stated they are unable to do anything about it. I am a responsible U.S. resident who works and pays his bills and taxes on time. This fact made me stressed and I want the Government Agencies to help me to overcome this hard situation and clean my report from these mistakes and make my life better. Thank you for your support and understanding.
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
First off, I had financed through XXXX Toyota in XXXX XXXX, on XXXX, have an over XXXX credit score the best APR they gave me was 72 months 8.89 % after I realized that there were lower rates, I called Toyota in XXXX to get a lower APR, saying that with an XXXX credit score I should have received a better offer. They told me they could give me a 6.9 % APR, this involved them checking my credit, another hard inquiry, and {$340.00} servicing fee. I declined. I have the Toyota servicing app, on the app I can not see how much of my payment is going towards principle or interest, I called on XXXX, I was on hold for XXXX mins, on the phone with the Toyota representative for an hour, no resolve! Payment history should be transparent. Can you help me with this later half of this complaint?!
|
| 08/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I bought the new car XXXX XXXX XXXX at Toyota Motor Credit Corpcompany, phone number XXXXand apply apply financial auto car loan on this company at XX/XX/XXXX. The total auto car loan l borrow around $ XXXX plus. And l pay the down payment $ XXXX or $ 3k.l need pay {$360.00} each months in totally 60 months. The first payment l pay is on XX/XX/XXXX. When l continue pay to nine months payment, l have my financial problem. l can't continue to pay the car loan. The financial loan company taken away the car and sales the car. After that they need me pay the balances around $ XXXX. l can't understand why the need me to pay the balance l not long owne the car? l try communication to the financial company, but problem not solve. They report me to credit report bureau. This report is fault.
|
| 04/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I financed a new XXXX XXXX is through Toyota financial services in XX/XX/2017.
I got the car and two weeks later, the car lot recinded the contract on the car, changing the monthly due date and the price of the car and the payment agreement. Toyota financial did not abide by the the New contract. They tried to make me pay for the 2 different contract 's. Because of this, I now have late payment 's reporting on my credit reports and it has dropped my credit score by over 100 points. The car lot XXXX XXXX group, and Toyota financial have really hurt my credit reports.
I have in good will tried to correct the problem. I can't get anything done about it. The car lot just treat 's you like a criminal for saying anything about it.
Toyota financial just act 's like it's all your fault.
|
| 05/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My loan was increased by XXXX $ saying missed payment. I havent ever missed a payment .. or been late. My credit has been ran by the dealership my loan is thru, Toyota financial. XXXX times they have ran my credit since buying the truck.. RUINED MY CREDIT SCORE.. I had to freeze my XXXX and XXXX to stop further inquiries being made. Called dealership. NOTHING GOT DONE. Now my loan went up saying missed payment but theres no proof and everyone I talked to says Ive never missed a payment. I feel Im being taken advantage of .. everyones pointing fingers at each other and nothing is being taken care, my credit score is being destroyed. My monthly payment is {$970.00}. I feel theyre gon na take {$120.00} a month till its fully paid .. AND THAT WONT HAPPEN!! IVE NEVER MISSED A PAYMENT
|
| 08/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XX/XX/2019 for 30 days late?
I am not sure how this happened, but the payment was set up automatically and all the sudden they stop taken the payment from the account. When I found out that they didn't take the money. I personally called Toyota finance, and they said honestly they didn't know what had happened. They also had mentioned that they would take care the late mark on my credit file due to their internal mistake, but now I'm pulling my credit and reaching out to them and they still haven't updated as paid as agreed never late. Again, I had made my payment with them and they had all my bank information. I have never been late with TOYOTA for all the cars I've leased from the.
|
| 11/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I would like proof that toyota financial services are the real party in interest the federal rules of civil procedure ( ''Fed.R.Evid. '' ) rule 17 ( a ) states that every action shall be prosecuted in the name of the real party in interest. The effect of this passage is that the action must be brought by the person who, according to the governing substantive law, is entitled to enforce the right. One for whose benefit a contract between other parties has been made is a real party in interest and may sue the obligated contracting party......... I am asking for proof of assignee and assignee of the assignment ... ... ... ... .also please provide an affidavit regarding the transfer of promissory note sufficed to permit the claimant to enforce a loan debt against the mKe of the note
|
| 08/03/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Since XX/XX/2021 I have been paying Lexus financial services on a Unemployement debit card. Every month after Lexus has been accepting the same card. Now on XX/XX/2021 I tried to make a payment and I was told I had to be 30 days late for Lexus to except a debit card? I feel like Lexus wants me to be late and effect my credit. My payment will be 30 days past due on XX/XX/XXXX. This is not right. I been on the phone for over 1 hr I need help I feel I am being taken advantage of and also Lexus is trying to destroy my credit. I dont have a checking account and I dont have the money to pay XXXX XXXX. I am only getting unemployment. Please help before XX/XX/XXXX because then I will be 30 days past due. A Unemployement card is a debit card and Lexus accepted this card 5 months in a row
|
| 12/15/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
First and foremost, I acknowledge my debt and have all intentions to pay it. I have made arrangements to pay in a way that does my current budget. Some days the calls will be up to 5 times a day, with an average of 3 calls in a day. Occasionally a these calls are back to back within 5 minutes of each other. The main issue is, a good chunk of these calls when I answer, the line disconnects immediately.
I am usually at work when this occurs so it is very disruptive. I consider this a form a harassment. I have asked that Toyota look into this, but have not received any information pertaining to the issue. When I bring up the issue, staff is always very dismissive.
Examples : Thursday XX/XX/2023 - 2 incoming calls XXXX and XXXX. Both calls answered, line immediately disconnects.
|
| 01/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
On around XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I respectfully many Federal complaints against Toyota Financial on my Financial Hardship and unable to make payments of {$480.00} a month.
XXXX Department of Justice file case # XXXX, CFPB case file # XXXX and File case # XXXX.
On XX/XX/XXXX I purchase XXXX XXXX XXXX and I explained to Toyota XXXX that I can not afford payments of {$480.00} a month but Management insisted that payments will be lowered and affordable, but it never happened.
I told Toyota XXXX in XXXX, California I can only pay {$300.00} a month and that I was XXXX XXXX and on a fixed XXXX income only.
I am not able to refinance existing vehicle loan because my negative credit and credit scores and no other financial institutions will not approve refinancing.
|
| 02/26/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Toyota Financial charged {$780.00} for bodily damage and lost key when we returned our XXXX XXXX at the end of a 2-year lease. We received a detailed invoice one time only. We lost that bill, received missed calls from Toyota but I was able to eventually asked Toyota Financial to send me another invoice. I disputed the lost key item ( this was mailed back to the XXXX dealership within 1 week after returning the car ). We never received any updated invoices. Instead, we received a notice from XXXX XXXX XXXX XXXX. We are being threatened with credit reporting while the original problem with the bill ( the {$370.00} lost key charge ) has not been resolved. In order to avoid a negative effect on my personal credit, I paid the {$780.00} in full even though it should be {$410.00}.
|
| 02/05/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My leased car ended on XX/XX/2020. I continued to pay monthly payments as I did not feel comfortable going into the dealership when COVID 19 cases were high as I am a XXXX XXXX XXXX XXXX and therefore consider high risk. On XX/XX/2020 when COVID 19 cases were lower, I turned in the leased XXXX and leased a new XXXX on that same day. At no time was I told or provided information that I owed a payment or any other amount for XXXX prior to signing the new lease. I clearly would have negotiated that in the new lease contract but was not given the opportunity to do so. I was also never told that if the payment for XXXX was not made, that information would be reported to the credit bureau. I simply turned in the car with NO ADDITIONAL information provided. This is deceptive!!!!!!
|
| 01/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I was assured by the dealership salesman verbally that two monthly promotions would be applied to the price of the vehicle. I was lured in by the discount but it was subsequently not applied in the sales documents and when I asked about it before completing all signatures on the loan, I was once more verbally assured that it was applied. Upon looking at my forms AFTER signing, I was told that I had already signed the forms and there was nothing to be done. I bought the vehicle ABOVE the MSRP that even Toyota corporation listed. Toyota listed MSRP at {$41000.00} and the dealership sold it to me at {$45000.00}. ( This before taxes, fees, etc which brought loan to {$56000.00}. ) I have been trying to reach dealership personnel in person, phone and email and they do not respond.
|
| 11/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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|
I requested two months of COVID relief plan with Toyota financial Services ( TFS ) in the month of XX/XX/2020. I mailed the COVID-19 releif contract plus a payment of {$96.00}. TFS declined that they did not recieve my mail and check, but I confirmed with the post office it was delivered. Then I mailed the revised contract and payment in XXXX, but was returned to me for unkown reasons. I contacted the company three times using online form as well as on the phone. Finally, I was able to pay the amount online and now it is corrected online. However, TFS reported to all three credit bureaus that the account is deliquent. I submitting this complaint for them to fix this issue right away as I am in the process of applying the mortgage loan. This is error on part of TFS not me.
|
| 02/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
Older American |
|
I attempted to purchase my leased vehicle from the dealer earlier in XXXXThe dealer presented me with a so called " purchase agreement '' which included Over {$1200.00} in fees in addition to the payoff of the lease.Their representative said they were facilitating the sale as a courtesy to me and the fees were for " paper work '' the dealer had to do.I contacted the title holder and they agreed to send me the title to my vehicle for just the payoff amount with no extra fees included. The dealer also wanted me to finance the inflated sales price with their finance company.I believe the fees charged were unwarranted and excessive and that this practice is fraudulent, predatory and illegal.I complained to the dealer and the lease company but to date have heard from neither.
|
| 11/15/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
|
|
I reside in Texas.i signed a LESSEES AFFIDAVIT OF PRIMARY NON INCOME PRODUCING VEHICLE FORM # XXXX I believe is an exemption from my having to pay property tax on this vehicle..I was charged a miscellaneous fee of {$110.00} on my XXXX XXXX lease payment.i called and was told it is a PROPERTY TAX CHARGE ... and they pay the tax but I have to reimburse them. If I am basically renting the vehicle and they own the vehicle why do I have to reimburse the property tax ... also why is it presented as a misc. fee instead of a property tax ... what if I file an itemized tax return? Do I get to claim this charge or does XXXX not only charge me, but also claim the deduction ... ..how does this work. If Im paying a property tax I need documentation to show I paid a tax and not a fee.
|
| 06/02/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Toyota Motor Credit has been negatively reporting to my account for yeas. Despite repeated requests from the credit bureaus and Toyota Motor Credit themselves, I have not received validation of debt. In a final chance to remedy this issue, I requested the validation and Toyota Motor Credit has not responded. I sent a letter with copies of my current drivers license and social security card via Certified Mail Signature Requested postage. Toyota Motor Credit received it XX/XX/2020 but did not reply to me, in direct violation of the FCRA. The amount is {$2600.00} and the charge off eviscerates my credit report month after month. This negatively impacts my job seeking opportunities and ability to obtain reasonable credit. I would like this deleted or I will seek litigation.
|
| 08/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My XXXX XXXX was totaled in a hit and run accident. My insurance company paid the leasing company ( Toyota motor credit ) in full. The leasing company is saying i owe them XXXX. They never sent me any letters, calls, or emails regarding this. I've also talked to my insurance company ( XXXX ) and they said they accepted the check in full and there was no problem. My claims rep said they agreed on the settlement and it was dealt with.
Now, there's a charge-off/derogatory on my credit report from the leasing company. This is incorrect.. if my account was paid in full by the insurance, why do i owe anything?
Lexus financial when you take out a car, includes Gap insurance.. and they covered any remaining expenses. Now my credit is damaged and i can't take out a new car.
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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On XXXX XXXX I submitted a complaint regarding Toyota Financial Services XXXX They immediately removed only the most recent late payments that were inaccurately reported. All XXXX bureaus have reported different and inaccurate late payments. This is a violation of XXXX XXXX Compliant reporting XXXX and FCRA. They have acknowledged the inaccurate reporting by removing the most recent ones and now are knowingly and willingly reporting against my rights by not removing all payments as required by law.
The Fair Credit Reporting Act states that I have a right to fair and accurate credit reporting, and you are required to remove any information inaccurate, unverifiable, or untrue. Please remove all late payments reported on all XXXX bureaus from this creditor immediatly.
|
| 09/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
TFS reported incorrect information to Credit Bureaus. I have contacted TFS in XX/XX/2018 regarding incorrect late markers on my account. It took TFS more than two month and multiple communications to fix the problem. During that period TFS reported additional incorrect information to Credit Bureaus of two additional credit markers, one for XX/XX/2018 and another for XX/XX/2018. The car was sold in XX/XX/2018. These additional incorrect negative credit markers negatively affected my credit history and resulted in credit line decrease for my XXXX credit card. I was on the market for a mortgage and it is also affected my ability to receive good rates. It was a stressful experience. I have attached XXXX report which show additional incorrect credit markers on my report.
|
| 01/29/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
We received the first letter of payment owed on the disposition fee of a returned lease vehicle on XX/XX/XXXX by mail. They started harassing phone calls on XX/XX/XXXX. So they only allowed 15 days to pay a bill and then started calling work, cell and home, twice a day. I told them I would pay the bill as I always have and that we have NEVER been late. They continued to call everyday, multiple times a day.
When I tried to explain that I think they are being a little aggressive for a customer that has 2 leased cars with them, has never been late and who just received the invoice, they didn't care and basically accused me of not wanting to pay.
Rest assured the 2nd leased vehicle WILL definitely be turned back in and we WILL NEVER lease with XXXX or Toyota again!!!!
|
| 09/03/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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Toyota Financial Service received a check paying off the loan completely on XX/XX/XXXX ( It was traded in the first week of XXXX XXXX. Payoff check was delivered through XXXX XXXX tracking # XXXX. The check was received by XXXX @ XXXX on XX/XX/XXXX.
Although the check was received Toyota has not processed the payment and I have received multiple harassing collections calls. Even after explaining to each representative that has called that the car payment has been sent and received and being promised that the account will be updated to reflect the payment and no more collection calls will be made, my account continues to show past due and I continue to get harassing, rude collection calls and it is now XX/XX/XXXX. The last rep I spoke to her name is XXXX # XXXX.
|
| 06/04/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
On XX/XX/XXXX, Lexus Financial responded to my first Complaint, indexed as XXXX. The resolution offered by the Company was a {$1400.00} refund, which I have yet to receive. When I called Lexus Financial today, I was informed the Company " has no record of a CFPB response, nor the promise of a {$1400.00} refund ''. I was referred to Lexus Corporate, which provided me the same nonsense non-answer. At this point, not only do I demand the {$1400.00} refund as originally promised in writing ( via the CFPB portal ), but I also demand a payment for my time and damages in the amount of {$1000.00}. I spent over 90 minutes on the phone today trying to get Lexus Financial to do what was promised via this portal on XX/XX/XXXX. Lexus Financial has not kept its agreement to me.
|
| 12/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX
On XX/XX/2019, TOYOTA MOTOR CREDIT CO add a hard inquiry on my credit report per XXXX
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 10/08/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
Hi, we total losses a car end of XXXX XXXX, however the car lease payment was set up in early XXXX, so out of common sense we called to cancel the auto pay- there is no reason to pay a loan for a car that was total losssed.
Our car insurance company worked with Toyota GAP insurance to pay off the full balance on the car- however as of today, toyota financial service have been harassing me by leaving phone message saying how urgent this issue is, and sending me mail by threatening g to sue me.
Most ridiculously, they asked me to send back the lien release- I never even got it yet!
This is insane and it seriously disturbed my life, we have suffered enough from the car accident, and now we have to face their harassment.
Please help stop these nasty people.
|
| 09/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
The account was set up for automatic payment and 59 payments had all been paid on time. It was the last payment which was a different amount then the other 59. We sent in the payment to The company and the check was cashed. The company continued to send us unpaid invoices. We talked to them and showed them that the check was cashed. It took us several months to figure out that the check was cashed by another part of the same company. We both figured this out and we sent another check to the company at another address and they cashed it and all was paid. We are still waiting our initial payment back from the company. They still are reporting our payment as 60 days late even thou we showed proof that the payment was made and the check was cashed by their company.
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Older American |
|
I leased a new vehicle from Toyota financial. At the end of the lease I purchased it and financed it through them. My Experian credit report reflects that the lease was discharged in bankruptcy. When I disputed this with XXXX, Toyota responded to them that it was discharged in bankruptcy. When I contacted Toyota finance they refused to correct this information. I explained to the agent that she could clearly see where I bought the vehicle from them but still was unable to correct this. She contacted her disputes dept while I was on the phone with her and they told her it was discharged in bankruptcy. I had previously filed bankruptcy but the vehicle was not included in the filing. This mistake is adversely affecting my credit rating and Id like this corrected.
|
| 10/02/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I purchased my leased XXXX XXXX XXXX on XXXX/XXXX/XXXX at XXXX XXXX XXXX through Toyota Financial services. The lease ended XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Toyota Financial Services withdrew {$200.00} out of my checking account when they had no contract what so ever to do so. The lease ended the day before. I called them to get my monies back and they insisted I caused the problem by not turning off auto payments through them. Why would I need to turn off the payments when I had paid off the loan.They would not reverse the non authorized charge and stated I would have to wait for a check in the mail. This is flat out stealing!!! Please stop them. I asked to talk to a supervisor and was jacked around by some punk named XXXX that lied about being a supervisor.
|
| 11/04/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I have leased a XXXX XXXX XXXX from Toyota Financial Services ( TFS ) on XXXX/XXXX/XXXX. Since this was an electric vehicle, Toyota was offering a special promotion for unlimited mileage XXXX My lease contract clearly states that there is no mileage limit and no charge exists for additional miles. However, upon turning the car in at the end of the lease ( on XXXX/XXXX/XXXX ), TFS has sent me a bill for {$2000.00} for excess mileage. I have been trying to work this out with Toyota since XXXX, but just get transferred around different departments and nobody has the authority to make a decision in my case. I was advised by the representatives to seek outside help. At this point, my account is in charge-offs, and this would soon negatively impact my credit report.
|
| 03/13/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
Servicemember |
|
I started to look closely into my credit reporting due to some inaccurate information and came across Toyota Motor Credit. On XX/XX/XXXX they attempted to serve and sue me for the amount of {$3700.00}. This account was a joint account, and they are coming at me even though this debt belonged to the other party XXXX XXXX XXXX XXXX XXXX, who had filed bankruptcy in 2018. According to NJ eCourts records show that on XX/XX/XXXX, USPS had received a signature, but I have not resided in the state of NJ since XXXX. There were fraudulent charges made on this account and I did not have possession of this vehicle, I was simply the co-signer. I should not be responsible for someone else 's failure to make her payments and have her not pay anything due to her bankruptcy.
|
| 10/10/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
I signed a lease for 36 and had trade in which and cash back from dealer. In signing I was required to pay first month lease. In the process of this loan there appear to be more then 36 mos of payments and the amount for down payment and first month payment is not included. Also the down is not reflecting the amount and trade value is not included. I also want to address the warranty is being denied by XXXX and my car have mechanical problems and is under warranty and they refused to service my car based on the agreement I signed with this lease. Presently still have car with warranty issuse and they have not corrected the matter. I filed lemon law and they still refused to service my car. I'm want to address filed a breach of contract against XXXX XXXX XXXX.
|
| 08/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Apparently there was an error when I tried to pay off my loan through Toyota Financial Services, but Toyota Financial is not reflecting the true payment due on its website because of an IT error. I still have the money in my bank account, and I am afraid I will not be able to pay it off and the account will accrue interest. I really have no idea what is going on or what to do. XXXX Toyota Financial, I have called them at least 8 times due to different errors, and at least half were not able to solve my problems. Only a resolution specialist will most likely solve them properly, but they are nigh on impossible to get to because the customer representatives are usually mediocre and/or have little control, so the resolution specialists are flooded with requests.
|
| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
So I recent pull my credit report through annual credit and I noticed that Toyota Motor credit is reporting an alleged late payment on my credit report for XXXX XXXX I have never been late on this account so I dont understand why Im getting hit with this erroneous error. I have already dispute this information with the 3 credit bureaus and was informed that Toyota Motor Credit is report this item. I have paid off this this car from last year and I never missed any payments. I am in the process of getting a house and because of this late payment showing on my credit report by Toyota, I can not get approved. I have never missed a payment with any of my current accounts. I pride myself for that. This late payment should be remove and updated to Paid/never late.
|
| 05/03/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
I had a car loan wit h XXXX Toyota Financial, got diagnosed with XXXX XXXX XXXX XXXX so asked them to extend the loan for me, prior to extending the loan, Toyota took my car like a thief in the night in XXXX XXXX . Car was repossessed without any opportunity to retrieve my stuff of value from the car. Toyota sold my car and send me a statement saying I owed nothing, XXXX balance, copy attached. Now, I understand that they are taking me to court and have indicated that I owe them {$8000.00} plus on my credit reports. I have tried to get the credit reporting agency to do the necessary adjustment/corrections with no positive response, they have stated that the company verified the information, even after submitting the attached statement.
|
| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
under 15 USC 1681 the credit bureaus are filing incorrect I am trying to buy a house and its defamation to my character and livelihood.
XXXX XXXX XXXX XX/XX/XXXX is identity theft it even has another name XXXX XXXX a male Toyota MTR XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX mulitple inquires from car dealers that I have not even requested and I have even hired XXXX XXXX XXXX to assist and it is still damaging my credit XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX auto XXXX XXXX retail merchants XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
|
| 06/18/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
I am a XXXX XXXX serving in the XXXX XXXX XXXX and leased a vehicle while I was on leave in New Hampshire from XXXX XXXX XXXX XXXX located in XXXX New Hampshire on XXXX/XXXX/2018. This was a lease for a brand new vehicle ( XXXX XXXX ) and is supposed to be under warranty. The clutch got damaged and when I took it to the XXXX dealership where I am stationed here in XXXX, OK ( XXXX of XXXX ) they told me that the warranty is only covering the parts, not the labor because the damage was my fault. I have been driving a standard vehicle for a long time and have never had a problem like this. The vehicle is supposed to be 100 % covered under the warranty and I shouldn't be liable for labor because according to the mechanic, " I must have done something to it ''
|
| 02/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I purchased a Toyota in XXXX, and use the Toyota motor credit corporation to finance it. The long was paid off in XX/XX/XXXX, and this is confirmed by Toyotas records. There still is a lien on the title in the state of Colorado. A week ago we requested a release of lien and they said they would mail it on Tuesday. We called them today Friday and they can not confirm that its been mailed yet. They refuse to email copy, and they refused to issue a second version. I dont know why the release of lien is not automatic when a loan is paid off and I think this is a law that should be changed. I believe the letter in XXXX, stating that the loan was paid off was sent to an old mailing address yet we were never contacted in any way that the letter was not received.
|
| 07/14/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
I went to XXXX XXXX in search of a car lease within a week of my bests friend going to the same company and getting a lease. We had similar credit and a similar situation when we applied for our loans. We both had co signers. Our credit was actually better than there 's. We walked away with a XXXX XXXX XXXX with a {$290.00} payment for 36 months with a XXXX mileage cap. My cousin walked away in a XXXX XXXX XXXX XXXX with a {$270.00} payment for 36 months with a XXXX mileage cap. I have asked the company how it is that we both were there within a week and managed to have such a difference in our mileage caps. No explanation. In my opinion this is unfair and unjust. They should be required to offer the same lease terms to borrowers in similar situations.
|
| 09/02/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I am closing on a home and I requested from Toyota a good status letter on Friday, XX/XX/2022 and was told I would receive it in 24 hours. I called Monday, XX/XX/2022 and was told that it take 24 to 48 hours and I should receive it by the end of day. I called again on XX/XX/2022 and was told by two customer service reps that they are escalating my matter and I will have the document by the close of business on Tuesday. I called again on XX/XX/2022 and was told that the form filled out was blank and they will submit a new request and have my document ready. I called again XX/XX/XXXX and XXXX and as of now still nothing. I had to move my closing date because of the inefficiencies of XXXX and I still not have received my good standing letter as promised.
|
| 11/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
In XX/XX/2019, I traveled to XXXX for my Wedding ceremony and spent a month and some weeks. I missed a payment because, unfortunately, I couldn't log in to my bank from XXXX due to security reasons to make my payments. I immediately made that payment once I returned to the US early this year. I spoke with the representative of Toyota financial services and explained my problem. They referred me to the credit bureau, who referred me back to Toyota financial. I hope you can get them to remove this negative statement since they both agree that the circumstances were out of my control. I don't think it's fair to suffer for this error due to distance and security. I offered to show proof of my travels, my ticket to and fro. I employ you to please help me.
|
| 08/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Toyota Financial Services for years did not report this loan for my 2012 XXXX to any of the credit agencies. It took the CFPB, XXXX and a certified letter to the office of the president of TFS to fix. Finally, the item got reported and all the payment history but did not have an impact on the score as that's not the way credit aging works. Check CFPB reports and notes on the account.
The issue I'm faced with at the moment. I just setup bill payment on the account. The information was off by 1 digit on the account number. I re-submitted my payment via my bank 's bill payment system. The payment was accepted and posted to my Toyota account however 2 days after the due date. Now I've been marked with a 30-day late payment that shouldn't have occurred.
|
| 05/15/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
Lexus/Toyota mistakenly sent my account to collection for {$400.00} ( for a missing key ). I returned all keys when I turned in my vehicle to Lexus dealer at end of lease on XXXX/XXXX/XXXX. Lexus then confirmed from paperwork that was sent from Lexus dealer on the day I returned the vehicle that it shows XXXX keys were returned to Lexus dealer by me so Lexus waived {$400.00} from my account. Lexus then issued a letter on XXXX/XXXX/XXXX ( as attached ) that shows XXXX balance per my request.
I contacted Lexus the day I received a collection letter ( please see attachment ) and asked them to remove the collection since it 's invalid debt ; I have XXXX balance per last letter that Lexus sent me, and they refused to make correction of their own mistake.
|
| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Since XX/XX/2023, every month, Toyota reports to lenders that I am delinquent. This causes my credit score to decrease by XXXX points. Every month I called Toyota and asked about my account. This always tells me it is current, and some agents proceed to help me file a dispute. When the representative does not help me, I file the dispute through XXXX or the Consumer Financial Protection Bureau. Now XXXX will not allow me to dispute anymore. I have even paid extra money into my account. My next payment isn't due until XX/XX/2023. I added my payments so you can see I make payments before the due date. I also added the last 2 billing statements showing I have nothing past due. Toyota really needs to fix this because it is unfair for the false reporting.
|
| 10/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
Car was purchased in XX/XX/ from from Toyota of XXXX purchased gap insurance as recommended from dealer protective asset protection is the company that sold me gap insurance loan through Toyota motor credit my car was involved in total loss XXXX XXXX paid XXXX loan balance is XXXX after I requested Toyota refund me on my Toyota care warranty that I never used i.filed claim with protective asset protection on XXXX they denied my claim they said I had XXXX extension on my loan so they can't help me she explained I reach out too Toyota XXXX ca they said same thing then spoke with Toyota they said nothing they can do this is theft and fraud committed by these three companies please pay off balance of loan or refund me for gap and Toyota care warranty.
|
| 03/23/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Toyota Financial Services continues to LIE and MISLEAD consumers. I have called on numerous occasions only to be given the runaround and refused to provide documentation regarding the account. They will not respond to written letters, with delivery confirmation and lie about not receiving documentation. The account remains a poor remark on my credit report despite numerous attempts to pay or arrange a payment plan to settle the account. Toyota Financial Services, representative XXXX, agent ID XXXX, is just the latest example of the company 's history of misleading, lying, and abusing consumers. Transcripts associated with any account attached to the consumer 's name and credit should be available and accessible for review and legal representation.
|
| 02/06/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
XX/XX/2016 I contacted Toyota Financial to see if I could have my XX/XX/XXXX payment moved to the end of my contract. They disclosed that I had to pay all late fees which I did. They sent me a loan agreement that stated the payment for XX/XX/2016 had been moved to the end of the loan contract. On the same document that I signed, it disclosed that the next payment amount was @ {$280.00} but I paid {$300.00} on XX/XX/2016. Now they are saying that I owe more than the one payment that I am past due. Because of financial hardships caused by a house fire, I missed the XX/XX/2016 payment, however, I should only show past due for@XXXX but Toyota shows @ {$1300.00}. I believe that they are doing this as a scare tactic so that they may take my car from me.
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
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On or about XX/XX/XXXX I received alerts from my credit monitoring services that Toyota Financial Services reported my loan to be delinquent to the Credit Bureaus. I contacted Toyota Financial Services and explained what has happened and they opened a dispute claim with the Credit Bureaus and resolved the issue by XX/XX/XXXX. My account is open and current since first opening in XX/XX/XXXX. Then on XX/XX/XXXX I received alerts about my Toyota Financial Services account again being falsely reported as delinquent. I called Toyota Financial services again on XX/XX/XXXX and they submitted another Dispute. My credit score keeps taking a hit, why is Toyota Fraudulently reporting false information to the Credit Bureaus? I need assistance in this matter.
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| 11/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I made a principal overpayment that posted to Toyota Financial Services on XX/XX/XXXX ( verified on their website ) ... .Since that time my account is still showing I owe {$100.00} for a XX/XX/2022 Payment. It still shows I have a balance due on my loan. My first call to them to discuss this matter was XX/XX/XXXX. I've called them and messaged their online numerous times and was told it would be fixed in 3 days it wasn't I contacted them again they said it would be posted on my account by the end of the day on XX/XX/XXXX. Once again it wasn't posted so I messaged them in their system again and that I last contacted them on XX/XX/XXXX... which was false... .today is now more than 7 business days from first contact and they haven't fixed the issue.
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| 07/31/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Shopping for a loan or lease
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Web |
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I turned in my lease vehicle and thought you should know about what I consider to be a deceptive and unscrupulous practice. About a month after turning in my vehicle I received a bill for something called a " disposition fee ''. Apparently this is a fee charged if the person returning the vehicle chooses not to purchase the vehicle. When I reviewed the contract with the finance person at the dealership he went through every line except this disposition fee line. To this day I still do n't know what a disposition fee is. I feel like the disposition fee line was purposely avoided by the dealer so as not to make me aware of it. Had I known about this fee I would have challenged it or refused to sign the lease. This practice needs to be investigated.
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| 05/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have been paying my loan on time until one day my payment did not go through which I have noticed too late. I have paid what is due and even a month in advance. Unfortunately, they have put a negative report in may credit report without warning. I would just want them to talk to me so we can try to get this report off my account. I need to buy my brother a car and I will need to have a very good credit score to get him a new XXXX that he wanted with 0 % APR. I'm really desperate. I have been trying to reach them through the number they left in my voice mail, but I was unsuccessful. Please contact me again so we can work things out. These type of report will stay in my account for seven years. Please find it in your heart to let this one slide.
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| 01/11/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I extended my lease with XXXX XXXX of XXXX XXXX NY for another 6 months. I am up to date with payments and the dealership told me that I am all set and to simply continue making payments. I have been receiving notices in the mail and calls to return my car, as well that I am behind in payments. I called them several times regarding the same issues to explain that I am current, and extended my lease. The last time I spoke with them they said to please disregard the notices as they made a mistake. My credit report now shows someone elses delinquent account that I am not a co signor for, and my credit score has gone down over 70 points because of this. I have been trying to reach them again and have been given the run around. No one has called me.
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| 03/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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Web |
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I have bought ( financed ) a used car from Toyota dealership of Downtown XXXX XXXX in XX/XX/2020.
Along with the car I bought the extended warranty that costs {$2000.00}. On the next day after purchasing the car I have decided to cancel the warranty. I have emailed the warranty issuer and personally visited the dealership office of Toyota Downtown XXXX to notify about my desicion.
They said the warranty will be cancelled and I should receive the refund of {$2000.00} within few weeks. The refund amount should have been applied to my principal balance.
However, it's been already over 5 months and I have not received the refund.
I have tried to contact Toyota financial services multiple times but every time they said my refund is on the way.
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| 06/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Toyota Financial stopped sending us monthly statements since I settled my personal bankruptcy case several months ago. I was originally on the loan, but I did not declare my XXXX on the bankruptcy. We have been making every payment since we purchased the vehicle last year.
I can not access my account information online because they denied access. I can not call them to see if the payments have been applied to the balance because they refuse to talk to me about the account. My mother can not talk to them because she doesn't speak good English. They have been treating me as a criminal since I declared bankruptcy even though I did not include the vehicle. My lawyer has tried several times to contact them, but they refuse to honor the request.
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| 03/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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On XXXX XXXX a check was written to Toyota motor company for payment. The bank was unable to read the check correctly and paid Toyota XXXX instead of the XXXX. We got a letter that said we were late and called and paid the balance. There then was another letter saying the XXXX had not been paid again ... They said payment did not go through. We again paid the balance. This is showing on my credit report that I have XXXX late payments to toyota on my credit. I attempted to resolve this with Toyota and they refuse to take it off my credit. They also reported this during a bankrupsy period which I did not think they could report. In any case this was all over the bank miss reading the check. Please help to get this off my credit report. thanks
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| 02/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I financed my vehicle with Toyota financial in XX/XX/XXXX and was to make my first payment XX/XX/XXXX. I made this payment then my due date changed to the XX/XX/XXXX. So my next bill was not due until XX/XX/XXXX. On XX/XX/XXXX my credit score dropped 24 points for non payment of XX/XX/XXXX which was not due yet. I called Toyota and they told me they did not report false information and I need to handle it with XXXX myself. Then on XX/XX/XXXX I made my payment days before it was due. In XX/XX/XXXX toyota again reported again that I am late and my score dropped an additional 80 points. I have all my documents to prove my side. I was in the process of buying a house, which I had to put on hold because of the dramatic drop in my credit score.
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| 08/12/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I leased a XXXX Toyota Rav 4 EV. The vehicle has been in service many times for ECU not functioning properly, Toyota has failed to fix it. My vehicle has been in service for 6 days at the XXXX Toyota location and they are claiming it is XXXX 's fault because they built the drive train for the vehicle. The dealership referred me to Toyota help line XXXX to open a case. I have called in XXXX times and even sat on hold for XXXX minutes to speak with anyone. Nobody has called me back and the operator claims they called me on both my numbers listed but I have never received a call and no missed calls show up in my call logs. I purchased an electric vehicle to be able to save time and money and now all I have is problems nobody can seem to fix.
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| 12/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom it May Concern, I would like to dispute the 30-day late payment for XX/XX/2021. I've attached a receipt of the cash payment to provide proof that a payment was made before the on time and before the XXXX XXXX. This method of payment is also listed on the XXXX XXXX to Make a Payment page. The payment was made in cash due to a banking error with previous payments from XXXX XXXX being returned. Toyota Financial Services is currently upholding the late payment although a payment was made on the due date. The consumer should not be help liable for processing time. Toyota states in their terms and conditions itll take at least 3 business days to process a payment. I shouldve been allowed that processing time with cash payments as well.
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| 02/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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| 08/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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| 06/30/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I turned in my lease vehicle on XX/XX/17. I cleared up all cost when the car was turned in. Later I got a bill from Toyota Motor Credit Corporation stating that I {$600.00}. I disputed the bill and had my lawyer write a letter explaining my position. I am adamant that I do not owe any money. I have sent numerous letters explaining my position and I never get a response from my letters I just get letters stating that I owe money. At first XXXX XXXX XXXX had this collection for XXXX XXXX XXXX ; now it has been transferred to XXXX XXXX collection and the the bill has now dropped down to {$100.00}. The address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Phone XXXX.
I do not owe any money to XXXX or XXXX XXXX
The amount in question is {$100.00}
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| 05/13/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I have reached the end of my lease and Toyota Financial not only isnt allowing me to extend my lease, but they are also reporting " late payments '' to the credit bureaus, without allowing me to make a single payment.
Month after month they report late payment, despite several conversations about this issue every month. I have asked them countless times to let make the monthly payments, as I work out financing arrangements to purchase out the lease, but they say they can not accept monthly payments but yet report me to the bureaus as if they did give me the option to do so.
I should not have negative and inaccurate reporting of " late payments '' when the company itself does not offer a way to pay or resolve the negative reporting.
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| 08/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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| 09/17/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I am very upset as I had a lease with Toyota Motor Credit, made all payments on time and the account was always in good standings with my payments. Went to trade in the car and buy a car from Toyota, was told if I owed anything remaining on the lease it would be tacked on to the new loan. I purchased another car from Toyota left again my account is in good standings currently. Months later pulled my credit and now the good paid off account reflects I owe {$450.00} I called and I was told I went over my miles. I was informed I do not owe anything and now things changed. I am lost for words and what horrible business practices. Now I have a collection on the account I made my payments on time. This is NOT FAIR at all! Please help me CFPB
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| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Toyota has not reported my account to the credit bureaus, i went to XXXX Toyota dealership to trade my current car, but surprisingly when they ran my credit, this account didn't appear on my credit report. i called the credit bureaus and they confirmed that this account does not exist on any credit report. so i called Toyota Finance and i was asked to send them a formal letter. i did. also i have been calling them every other day to follow up on this case, but each time i had to repeat myself. seems they kept ignoring my request to my right to have a 100 % accurate credit report. i requested them to report this account to the credit bureaus so it appears on my credit file. Please i need this account to be reported to my credit report.
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| 08/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I purchased a car at XXXX XXXX XXXX in XXXX, TX on XXXX XXXX and was charged a Very high interest rate in spite of my good credit score.
During financing I was only shown the bottom portion of each document on an XXXX. I kept asking for the interest rate and was promised/assured a 2.9 rate like before on approval. The finance salesman told me they dont give paper anymore and he gave a flash drive with all my information on it. I signed what I now know was the 2nd pages of the loan documents. When I viewed the loans on the flash drive I realized I was charged 5.79 interest and that was not the agreement and my credit score is in the 700+ range. I have a letter and was give a verbal amount that its totally different in my paperwork.
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| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 4 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
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| 11/13/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX I paid my property taxes on my XXXX XXXX XXXX county clerk. I mailed and also faxed documentation to XXXX XXXX on XX/XX/XXXX. They have received the documentation and noted my account and assured me it would take 24-48 hours to update on my account. On XX/XX/XXXX Toyota received a check from XXXX XXXX out of XXXX, Ky for my property taxes Toyota indeed cashed the check, check # XXXX in the amount of {$28000.00} it cleared on XX/XX/XXXX. Toyota has still NOT updated my account, my account is still showing I owe property taxes {$360.00}. 2 months have been dealing with this talked to different agents almost everyday, Im not getting anywhere everyone I talk to tells me different information. I need this resolved ASAP!!!!
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| 09/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hi i am writing today in hopes to get your help i recently reviewed my credit report and i saw that you are reporting me 30 days late ( they are different days by all the credit bureaus so i will attach a picture of it ) and i was shocked when i saw it because i always pay my bills on time i cant remember what happened then i dont remember missing any payments but i cant argue on that since i dont remember but that is not me i am not the person that pays my bills late and you can imagine what this means for me i was gon na lease a car and i they wanted a way higher rate then i was supposed to get so i beg you to please update the 30 days late on my credit report to reflect as current it would be a great help to me Thank you so much!
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| 05/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I am a victim of identity theft All of my information was exposed in an XXXX Data Breach.This terrible crime has affected my bank accounts and other very important things that ruins lives.I advised this company ( Toyota Financial Services ) of this and sent proof of the XXXX breach they did nothing at all and im also suffering from the Death of my mother.I asked if there was hardship available for customers and they denied having anything available to assist with a XXXX balance.I had been a customer since XXXX XXXX until XXXX XXXX.I received condolences of the passing of my mother but no resolution.This company also advised me of their system being behind in reporting payments which caused errors in reporting to my credit as well.
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| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In XXXX of 2020, the auto loan company Toyota Financial Services reported a 30 day late payment on my credit file during hardship due to the coronavirus pandemic. I have explained my situation to this company and they have proceeded to report my account without further notice In accordance with the fair credit Reporting Act, Toyota Financial Services account XXXX XXXX has violated my rights According to : 15 USC 1681 Section 602 states, I have the right to privacy 15 USC 1681 Section 604A Section 2 : states a consumer reporting company can not furnish an account without my written instructions.
15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
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| 11/27/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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In XXXX of this year ( XXXX ) my XXXX XXXX XXXX which i leased from Toyota Financial was repossessed from me on the week after my 3rd missed payment. Then within a couple of weeks they sold it out from under me while i was trying to settle the matter by taking care of the balance. Then even after the sale and to date the balance still shows due and my credit has taken a huge hit without my authorization. There are multiple agency 's who have violated my rights in this situation considering the fact that according to XXXX XXXX XXXX XXXX and as an XXXX XXXX all my debts are supposed to be paid for me. That is a separate Tax related matter i will be dealing with soon. But for now i need to deal with these crooked crooks at the banks.
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| 02/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Toyota Motor Credit incorrectly reported me 2 months 30 day late for XXXX and XXXX XXXX. I paid 3 months in advance in XX/XX/XXXX and was told by Toyota Motor Credit that Auto loan was satisfied and paid in full. Fast forward to XX/XX/XXXX, and I was shocked that my credit score dropped by XXXX points when trying to purchase a new home because of the inaccurate late payments. I called Toyota Motor Credit and was told that 2 payments were left and was I given wrong info. I made payment immediately for {$1900.00} on XX/XX/XXXX. I was told I have to deal with the credit bureaus to fix their error. I sent letters to credit bureaus on XX/XX/XXXX and got zero response and XXXX refuses to remove inaccurate late pays from my credit report.
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| 06/29/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Shopping for a loan or lease
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Web |
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In 2014 I entered into a lease with XXXX and over my time with the lease I have spoken with many peers and individuals who have pointed out the exorbitant rate I am paying for my car lease relative to others with comparable means. My credit score was " good '' at the time of purchase and I traded in a car as down payment. The only remaining conclusion is that I am the victim of their predatory lending practices, as I am sure many others from the neighboring working class community have been. Despite bringing this to the attention of XXXX and Toyota Financial and offering opportunities to rectify the problem with a new, more appropriate lease based on my history with their financial institution they continue to offer no resolution.
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| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
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| 02/15/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Hello, I have a loan with Toyota Financial on my XXXX. In order for me to pay down my principal, Toyota requires that paper checks or money orders be sent directly to their XXXX XXXX facility. I sent my first check on XXXX XXXX ( 12 days ago ). Toyota is claiming the check has not been received and that it would still take upto 2 days to post onto the account. Note : standard mail in the U.S. takes 3-5 days, maximum, which means Toyota has had the check for 6-7 days.
My complaint is that Toyota makes it incredibly cumbersome and inconvenient for customers to paydown the principal on loans. I deal with Student Loans, Credit Cards and various other debts where paydown of principal in instantaneous and convenient for the consumer.
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| 01/20/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Taking out the loan or lease
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Web |
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During the lease contract, the finance person at XXXX XXXX never went over all the clauses associated to the contract. The finance person was pretty deceptive in omitting the fact that Lexus financial would be charged a property tax by the city of XXXX XXXX when a vehicle is leased. The wording in the clause that I signed made it seem as if the fees imposed are my normal vehicle registration fees I would pay the city which is standard in my state. It even indicated that in the state of Texas we are exempt from property tax. I should not have to pay property tax on a vehicle I do n't fully own. I have never paid property tax on any of the vehicles I have financed and should not be held to a different standard because of a lease.
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| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account TOYOTA MOTOR XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting.
TOYOTA MOTOR XXXX XXXXXXXX Open Date XX/XX/2013 Balance : {$8700.00}
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| 01/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I believe the past due balance and last payment are not correct.
1-TFS Account history document and deficiency document show different numbers, The balance, vehicle sale and all numbers dont much. which numbers are correct?
Account history document : the Loan balance in XXXX, Vehicle sale {$12000.00}, Past due balance {$3400.00} Deficiency document shows : the Loan balance in XXXX, Vehicle sale {$13000.00}, Past due balance {$3700.00}.
I am requesting that you send me an explanation of the methods used, and a description of the records reviewed.
2-XXXX My last payment was for the month XX/XX/XXXXas shows on the account history document also on right side showsXX/XX/XXXX ( 30 DPD ). Refund from Gap insurance isnt a payment.
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| 01/12/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XX/XX/XXXX 2017 I received a letter from Toyota financial services stating that they will be sending me a refund of excess wear and use charge s, which they inadvertently charged on my previous loan lease- and that the refund would be provided under separate mailing, it has been almost a year and I have not received any further information- I tirelessly attempted to contact the company to get more information and they have acted like th y did not send me this letter or refrained from elaborating, this is unfair and deceptive practice, as far as I am concerned they have known th y have had my money for 9 months and have withheld it, meaning they now owe me some form of interest onntop of the original refund. Vin number XXXX
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| 07/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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There is an old account reporting on my XXXX credit report that was closed in XX/XX/XXXX. I pulled my credit report today from FICO.com and it shows that XXXX is reporting this closed account with 30 and 60 days lates in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. HOW ARE THEY REPORTING CURRENT LATES ON A CLOSED/PAID ACCOUNT?
30 DAYS LATE - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 60 DAYS LATE - XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX This has been an huge impact on my credit report and is affecting me greatly. This account has been paid/closed for 5 years! Not to mention that the account has been reporting negatively on my credit report and XX/XX/XXXXmakes 7 years since the date of 1st delinquency.
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| 11/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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ALL OF THE ACCOUNT LISTED BELOW ARE ON MY REPORT FRAUDULENT ON MY CREDIT REPORT I WAS A VICTIM OF IDENTITY. THEFT AND THESE ARE THE ACCOUNT AS FOLLOWS XXXX XXXX/XXXX/XXXX BALANCE {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$670.00} XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX BALANCE {$200.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$670.00} XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$15000.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$12000.00} XXXX XXXX XXXX FIN XX/XX/XXXX INDEITITY THEFT AND CHAPTER XXXX WAS FILED
|
| 12/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I took out a car loan with Toyota Financial Services in XXXX XXXX, the payments of XXXX were due on the XXXX of every month. After starting the contract with them I asked for a due date change, and we agreed on the XXXX of every month. TFS sent me paperwork to sign and I signed and sent it back. At this point the new due date is the XXXX of every month. The first payment according to the new contract with the new due date is XXXX/XXXX/XXXX. I began making my payments according to the the new agreed upon due date, however XXXX has not been reporting the payment according to the due date of the XXXX, which has cause multiple additional fees and a negative credit reporting. They are being unreasonable with resolving the matter.
|
| 12/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
ON THE LAST XXXX XXXX PAYMENT OF OUR XX/XX/XXXX XXXX XXXX THE PAYMENT WAS OVER PAID. TOYOTA REIMBURSED THE OVER PAYMENT IN A TIMELY MANNER. THE PROBLEM IS, THAT ANOTHER XXXX PAYMENT WENT OUT AGAIN IN THE THE AMOUNT OF {$500.00} IN XXXX. TOYOTA HAS INFORMED US THAT WE HAVE ALREADY BEEN REIMBURSED FOR THE FINAL PAYMENT IN XXXX AND THE PAYMENT IN XXXX. WE HAVE BEEN IN CONTACT WITH SEVERAL SUPERVISERS WITH ANSWERS THAT MAKE NO SENSE. ONE OF THESE APOLOGIZED FOR THE PROBLEM AND TOLD US THE OVER PAYMENT WOULD BE SENT OUT AND WE WOULD HAVE A CHECK IN SIX TO SEVEN WORK DAYS. TOYOTA ASKED FOR DOCUMENTS FROM XXXX THAT SHOWS XXXX XXXX DEPOSIT AND WE EMAILED IT TO THEM AS DIRECTED AND THEY SENT US AN EMAIL STATING THEY RECEIVED IT,
|
| 04/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
TOYOTA MOTOR CREDIT marked me late on my lease on XXXX, XXXX and XXXX of XXXX. From the date my lease was taken out, I made {$300.00} weekly payments every single week. I never missed a payment. When covid hit, we lost our jobs and used the advanced payments to pay for our lease. We spoke to several representatives throughout XXXX to make sure we were current on our payments. We were advised several times we were good until XX/XX/XXXX. It wasn't until I checked my credit report to see that we were marked late. What is weird is that XXXX was paid on time but XXXX was late. I spoke to a sweet girl name XXXX who advised that this was their error and it would be removed off of my credit report. This has not been taken care of.
|
| 10/31/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have leased XXXX XXXX XXXX with Toyota financial services I bought gap insurance with them as well In XXXX I got in accident and my insurance company paid off the balance and a small balance left which gap insurance was supposed to pay ( it is a Toyota company paying another Toyota company situation and I have talked to both of them 20 times maybe ) Gap insurance company wrote a check in XXXX but in XXXX Toyota financial hit my perfect credit history with charge off It says paid now but now I am trying to buy a house and my credit score is lower than what it should be I just want them to remove charge off which is the mistake of their own company Called them many times called credit report companies and nothing happened
|
| 06/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
The Toyota XXXX XXXX was totaled in collision back on XXXX . We have been waiting patiently with Toyota Financial Service filed out claim with Toyota Gap auto protection. After all this time we received a letter that our claim has been denied because document proving the car has been totaled has n't been received by Toyota GAP. The document proving the car was totaled was sent to Toyota Motor credit Corp by XXXX and XXXX impound and Toyota put value on the car and decided the car does n't worth impound fee and sold the car to impound.. As indicated on the attach letter. Please send this document and authorization to sell the car to Toyota Guaranteed Auto Protection to pay our claim, also a copy of it to me.
|
| 07/16/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX ; XXXX and XXXX are reporting incorrectly a charge-off balance of {$4700.00} on the TOYOTA MOTOR LEASING account number XXXX. ( Please see page 5 of the attached credit report. ) This vehicle was sold at auction and Toyota informed me that they did not receive enough money for the vehicle at auction and consequently there was a remaining balance due of {$4700.00}. I requested documents from Toyota verifying the amount due, however I never received anything. It is illegal to charge someone money that is not owed and also to not provide any documentation to back up the claim of an outstanding balance due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
|
| 10/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
When I loaned my XXXX in 2012 I was told 7 % for 6 years since my credit was not good.. But if I add more on the monthly minimum payment it will shorten the length of payments. After 4 years paying my loan I contacted Toyota Financial Services to decrease the interest because I become disable. I was told my car loan interest is 11.54 % and they are just 3rd party, they cant help me. I called the Dealer Agent he said he didnt know that if only he knew it he will advise me to refinance after one year. I also mentioned if I pay more it will just be deducted for next month payment. I found also Toyota will settle a lot of money for discrimination of loan pricing. I was not only had been discriminated but completely deceived.
|
| 02/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX I logged into Lexus Financial and made a monthly car payment in the amount of {$550.00} which was due XX/XX/XXXX. Lexus reported me to the credit bureau for being late. I. Contacted customer service on XX/XX/XXXX to inquire and the customer service representative stated, although our records indicate that you did in fact logged in on XX/XX/XXXX before midnight and submitted the payment, being that it was after business hours as well as a Saturday, the payment posted on XX/XX/XXXX. I tried speaking to a manager since I have been a long time customer and have always made payments on time for both cars which I am currently leasing, however, the manager refused to remove the late payment from my credit report.
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Please be advised that this is my ONE OF MY NUMEROUS REQUEST for you to remove incorrect and inaccurate information from my personal credit report. I received no response to my most recent complaint dated XX/XX/2023. It is my understanding of the law that you must complete any request for reinvestigation within a thirty day time frame. It has been well over 30 days! I have included a copy of my original letter for your records as well as mine and also I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Please take immediate action to rectify these issues. The following information needs to be investigated as soon as possible : TOYOTA MTR XXXX.
|
| 03/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
This whole week from the dates XXXX Toyota of XXXX continuously is violating my rights as a consumer. They are continuously, providing misleading and incorrect information. They are denying me credit on prohibited basis. Theyre discriminating against me in in which they dont answer my calls. When I call them, they send me to the regional call line instead of answering my calls directly they send me to one department them to another department into another department and its just a run around. They are not explaining in its entirety what the finance charge is and includes.
They continuously withhold information by which I mean the continuously deny giving me numbers to either theyre underwriter or their finance manager
|
| 05/04/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
I purchased a lease with XXXX of XXXX XXXX and they added fees on my lease that was never discussed during our purchase. The fees are optional but when I told the finance representatives to remove it, he didnt and said he cant remove, although I never consented to them being on there. On top of that he made me pay for a extra {$870.00} for a service that was charged on my lease already.
This would have been ok if the service are was actually providing the free services actually promised when I first purchased the vehicle. However, it was a lie I spoke to the service area and they claim that they havent provide free car washes for 2 years. This is supposed to be a luxury dealership but it feels like a scam dealership.
|
| 01/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Toyota motor credit Corp decided to report my account is opened. The account is charged off and closed. I disputed twice with XXXX and it come back verified and updated on XX/XX/XXXXandXX/XX/XXXX, i called several times to Toyota financial, no one can help there is not much information in system, i send a letter on XX/XX/XXXX, no answer.
The account reported is open and the same time is a charged off ( the car was voluntary surrender on XX/XX/XXXX) -The balance is incorrect ( credit report .show original charge off {$3400.00}, new past due {$3600.00}, how the balance increased since is closed ) -Closed date is missing ( no date in credit report ) - Last payment made is incorrect ( my last payment was on XX/XX/XXXX ).
|
| 11/18/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter stating I owe I past due amount of XXXX dos and over XXXX XXXX dollars in late charges. The letter said if we don't dispute the amount in writing, according to state law, we would owe the amount, and a phone call to correct would not resolve the issue.
My husband received a phone cal todayl saying that we had not paid the month of XXXX nor XXXX. He opened his bank app and told them we had. They said they could not find the payment, so you owe the money, and they are going to tack on late fees on top of that. They keep calling me but I don't pick up because I KNOW I paid, and they are just harassing me. What if I believed their claims and paid another payment? They are harassing us for no reason.
|
| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
This was already included in my prior COMPLAINT # XXXX, and I'm including it again.
TOYOTA MOTOR CREDIT XXXX Open Date XX/XX/XXXX Balance : $ XXXX, TOYOTA MOTOR CREDIT XXXX Open Date XX/XX/XXXX Balance : {$0.00}, TOYOTA MOTOR CREDIT CO XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
|
| 03/15/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
on XX/XX/XXXX i recive a email from my credit report that my name was reported to the agencies, XXXX, XXXX and XXXX that my account was not paid, on the amount of {$360000.00}, so i receive a letter on the XX/XX/XXXX saying that my insurance pay {$32.00} and my pay off was {$36.00}, on lexus leasing is included and not optional GAP, so on the latter shows that the GAP pay {$360000.00} and my amount due was {$500.00}, which was paid with my XX/XX/XXXX, now for the last 2 weeks i being calling lexus every day to fix, and no one can fix this problem i sent certified mail, fax and spend in numerous hours on the phone try to fix and still not fixed, they ask me to wait 45-60 days to get this solve which its unacceptable,
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was on XXXX XXXX and was not able to access the lender web portal for payment, I usually setup Auto Payments on my accounts to avoid missed payments, I did not do so on this account as it was relatively new. Fast forward, unintentionally the payment was missed, when received a certified mail from lender ( I can monitor my USPS account ) I rushed into calling the lender and clear my ledger- this was very expensive call to make.
I never missed a payment once, this was purely due to IT issues, not fair to see such damage to my credit report which I worked very hard to maintain for access or IT issues.
Lender : Mazda Financial Service.
Reported : yes, to most credit bureaus and lender with no fair resolution.
|
| 05/28/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem extending the lease
|
|
Web |
|
|
On XX/XX/2019 my bill for {$340.00} dollars did not go through when it was submitted on Toyota Financial online payment site. I reached out to Toyota they said that sometimes those payments online may not go threw so we should always verify to make sure payment was accepted. Because of payment not going threw I received a 30 day late on my credit. I explained that it was the only 30 day I had ever received after leasing with Toyota for over 7 years could they remove it from my credit as a one time courtesy. I was told all credit disputes have to be submitted in writing and I did so and they denied me the removal. Due to this late payment it affected my rates for turning in my vehicle and purchasing another lease.
|
| 06/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I was making payments on my car loan in the amount of XXXX, when my bill is XXXX. Toyota has been taking that extra money and not applying it the principal balance but instead is holding it.
Anyways, I went to change my reoccurring payment back to XXXX and toyota took that payment and an additional XXXX.
I called customer service and they said once it is posted, call back and they can do a refund.
I did and the lady said I would have to get proof on a bank letter head that the funds were taken by toyota and mail them this proof. Then, toyota will send me a check in the mail.
This is ridiculous as it's 2023 and then can easily refund me my money.
I think their financial practices need to be looked into.
|
| 06/10/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Older American |
|
This morning I received a collection call from Toyota Financial Services, from whom I lease a vehicle. They claimed I owe over {$970.00}. After over an hour on the phone, it turns out that an online banking payment was not received for XXXX. The total amount due was {$500.00}. But the collection agent acted as if I owed that amount, plus the amount due for XXXX, for which I have not yet received a statement, and which is not due until XXXX XXXX. I have never been dunned for amount for which I have not been billed. This is beyond bad customer service ; I believe that it constitutes harassment, violates the terms of the lease, and may violate federal regulations, to seek to collect amounts prior to their due date.
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, Toyota Motor XXXX, and XXXX XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Toyota Motor XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
|
| 03/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
Lexus Financial and XXXX have refused to correct the late payment that was a direct result of Lexus Financial 's auto-payment system. My new car lease ( which is my 3rd with Lexus with zero previous issues ) was first manually paid, then set for auto-pay. Their auto-pay defaulted to a LATE payment. I paid in full, Lexus REMOVED the late payment fee acknowledging their mistake, but refused to correct the late payment with credit reports. I was travelling in XXXX, auto-pay was set up, and they refused to correct the late payment. Both XXXX and Lexus should be working quickly to resolve this but failed to make a correction which drastically affected my credit. This is the ONLY late payment on my credit history.
|
| 01/13/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Upon pulling my credit report I noticed Toyota Financial Services listed which is inaccurate. I requested the debt to be investigated on XX/XX/XXXX and received a prompt response on XX/XX/XXXX only stating " we have researched our records and have determined that the information is correct '' with no proof of the debt. On XX/XX/XXXX, I sent another letter to requesting more information on how this was researched with no response. On XX/XX/XXXX, I sent another request for the information never received from my XX/XX/XXXX request with no response again. At this point this inaccurate debt should be removed from my report immediately as this has been a hardship on myself and my family. Please assist.
Thank you!
|
| 04/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I am sorry to say I did not keep records of the dates I contacted Toyota Financial. But I can tell you I've talked to at least 10 different Reps and 1 Manager. I have paid my car payment on time EVERY month plus {$100.00} Extra accept I didn't pay the extra in XXXX or XXXX. They have now turned me over to their collection department saying I owe them {$200.00}. They even sent me an itemized statement showing my payments and still will not acknowledge they have made a mistake. They are trying to ruin my credit and over money I don't owe them. All I can say about Toyota Financial Services is Buyer beware. And they don't have an email you can send your information to. You either have to FAX it or snail mail it.
|
| 06/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I called Toyota Financial Services and paid a principal only payment with a representative and the money was applied to my regular account. When I call back I was told that they could not apply moneys to principal only for a week. I then called back still no transfer of the funds. I was told two day and asked for a supervisor and was told that the supervisor told them to tell me my funds would be allocated in a week. I have been trying to have fund applied correctly for three days XXXX. Toyota has refused to transfer funds and final a supervisor returned my call and still not transfer of funds. Please look into this and see if I can have this corrected sooner than a week so that I can make a regular payment.
|
| 11/07/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
In XXXX of XXXX I returned Toyota Camry for end of lease. Prior to lease i had an inspection which determined tail light crack and damage to tire. i had both of these replaced prior to return. In early XXXX toyota billed me for damages to car. i called, submitted my proofs and was told this matter was resolved and had assumed it was. now almost two years later Toyota submitted my account to a collection agency XXXX XXXX, XXXX. This matter was resolved almost two years ago and i consider this harassing.. it is very apparent that they prey on consumers after they expect their records to be long gone. the collection agency has no fax and does not provide a prepaid postage to respond. another harrassing feature.
|
| 03/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I was sold a XXXX in XX/XX/2016, told the car dealership I did n't want to run my credit a bunch of times, was told that would not happen but it was hit 12 times and lowered my score from XXXX to a XXXX. I then bought the car and had a payment due XX/XX/XXXX, I never got a statement from the finance company until XX/XX/XXXX, with a late payment and with interest adding up, I still had gotten no tags or tittle and my car went without tags until XX/XX/XXXX or so, meanwhile I had a late payment on a car I could not drive, the dealership did nothing, I was 80 miles from them so I was n't able to go and make a scene. I am extremely upset but feel I have no options, so here I am so hopefully no one else does this.
|
| 11/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In XX/XX/2021 I went to XXXX XXXX dealership in XXXX to lease a vehicle during that time my credit was ran five times by the same bank I kept bringing it to that dealership. I called multiple times letting them know that I am refinancing my house and I needed a letter explanation why my credit ran multiple times by the same bank so they called the cops saying I am harassing them when the dealership messed up. I also tried to reach out to Toyota financial multiple times so their lawyer reached out to me from XXXX XXXX XXXX in XXXX Florida the attorney told me that everything would be removed in 60 days if drop the court case. It is almost two years and my credit inquiries are still not removed like promised.
|
| 04/05/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I have an extended warranty o. XXXX XXXX XXXX and XXXX took the warranty claim my request aND NEVER LOOKED AT IT I TALKEC TO XXXX XXXX XXXX IN WARRANTY AND THEY ADMITTED XXXX NEVER LOOKED AT REQUEST FOR WARRANTY REIMBURSEMENT AND THEY STUCK IT IN A FILE LIKE IT NVER EXisted!!!!!!!! Well it does exist I gave XXXX mile warranty on my car and they acted like this claim never existed! XXXX told me fly wheel resurfacing was covered under mbwarranty snd XXXX told me XXXX documented its not covered!!!! Guess what??????? XXXX csm document anything he wants but he told me its covered!!!!!!!!!
XXXX warranty is a joke Im reporting to XXXX consumer protection bureau XXXX and everyone else snd applying for refund!!!!!!
|
| 11/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I purchased a new XXXX XXXX XXXX XXXX back inXX/XX/2019. The vehicle starting giving problems a month or two after purchase. I took the vehicle back to the dealership with ( brake noises ) concerns, which turned out to be the rear axle. Even after the repairs, the problem still processed. So I started my XXXX XXXX case with the XXXX and XXXX. In the XXXX letter of responsibility did no state I would have to cover negative equity, so I proceeded to purchase another vehicle to prepare for the repurchase. A week later XXXX sent over the repurchase letter, which stated I would owe {$14000.00}, in order for them to buy back a defective truck. I didnt have the funds so it triggered a repossession to take place.
|
| 11/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Back in XXXX or XXXX I was going through a divorce where it was decided my ex-husband would pay this payment until divorce was final. I woke up one morning and car was gone, he ended up not paying for a month or two and I had not received any proper notice and the car was picked up by Toyota. I called and promptly paid the past due amount and all legal fees involved and paid off the car the following year when I traded it on another Toyota.
I find it disturbing that I was not properly notified and I paid the debt within hours, and even financed another car through their firm and they are keeping this blemish on my credit report and are unwilling to remove the item even though it was more than 7 years ago.
|
| 11/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American |
|
My XXXX XX/XX/XXXX XXXX was totaled in a crash.XX/XX/XXXX The car payments were current including the GAP insurance from Toyota Motor Credit Corp .
vin : XXXX My insurance Company : XXXX XXXX XXXX paid {$20000.00} for the totaled XXXX to Toyota MCC That left {$15000.00} Which was covered under the GAP insurance.
Toyota MCC Chose not to pay and no reason was given just the run around.
They did instantly give me a NEW XXXX loan for A new XXXX with No money down.
The dealership saw that the car was fully covered with GAP and thus a new loan.
However Toyota MCC to this date has not answered my calls or payed the GAP on this loan. They do not deny anything. They just won't move on this.
This is fraud
|
| 08/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payments on an item/account that I had taken care of years ago and paid it off completely. I've called Toyota Financial Several times and spoke to dozens of representatives where I was told that they will submit a change to my credit report to reflect paid as agreed, never late. I am not sure how this happened, but I made my monthly payment as required by the contract, but I believe the dealership added extra products that subsequently changed the terms and contract without my knowledge. I clearly remembered dealing with your toyota dealership to removed the extras that was added. It was then removed, and i'm not responsible for the extra fees.
|
| 06/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
TOYOTA MOTOR CREDIT 59 POTENTIALLY NEGATIVE MONTHS Balance details 51 % paid off Balance {$7400.00} Balance updated XXXX XXXX, XXXX Original balance {$15000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Lease PAYMENT HISTORY LEGEND Status Account charged off. {$7400.00} written off. {$7400.00} past due as of XXXX XXXX.
Status updated XX/XX/XXXX Past due amount {$7400.00} Original balance {$15000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 36 Months Contact info Address po box XXXX XXXX XXXX, IA XXXX ***** THIS LEASE WAS UNDER MY DAD NAME HE IS NOW PASSED AWAY XX/XX/XXXX - HIS NAME WAS XXXX XXXX XXXX
|
| 01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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2 of my cars were totaled within 3 years apart, and the insurance company paid out Lexus/Toyota Financial in full yet somehow Toyota decided to charge me deductible. They did not tell me, warn me, nor contact me to make these payments. For years i believed that this was not my fault and was told the insurance company will handle it. After years of being frustrated, i decided to pay the balances ( see screenshots ) just to get rid of it. Toyota financial assured me they would delete the derogatory standing on my credit report as it was not my fault AND i paid it. They have not done so. It has almost been a full year. This company is disgusting and i refused to get a 4th car with them after being so loyal.
|
| 10/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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Toyota Financial Services XXXX Reporting Negative/Past Due to ALL 3 Bureaus : - XXXX - XXXX - XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year.
Toyota Financial had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in Toyota & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment.
I've already mentioned this issue to TFS - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.
|
| 09/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
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Web |
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Is in violation of Holder in due course rule. They ate holding my contract without reserving the rule of the holder in due course rule. Toyota received my contract and didnt credit me for the contract is in violation because according to the rule it preserve my defenses and my claims to proceed of the note that was issue to the seller which is the dealership before it was issue to the creditor which would be the bank or anybody that ended up being the holder of the note.
The vehicle is for my person use they have no right to charge me for the note. The note was the payment that they received and proceeds from the note was what I was entitled to credit for. They cant make me pay without them paying me.
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| 08/08/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I completed a lease with Lexus XXXX in XX/XX/XXXX after having purchased the following vehicle : XXXX XXXX XXXX, License Plate XXXX and now Plate : XXXX XXXX. VIN : XXXX To date I continue receiving threatening letters from Lexus XXXX requesting payment for alleged exorbitant excise tax payments Lexus allegedly made to the City of XXXX but have not seen a copy of these payments nor even a copy of these bills. I am also QUITE confused as to why they would allegedly pay an exorbitant XXXX tax bill for a XXXX vehicle that I owned as of XX/XX/XXXX and was out of contract with in XX/XX/XXXX.
Attached you will find the letters I am receiving. I feel I am being extorted by Lexus XXXX and this needs to END!
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| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and removed : TOYOTA MTR XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
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| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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We've talked to the furnisher & they've agreed to remove the account, but XXXX has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the IdentityTheft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... This Complaint is to notify you to BLOCK OR REMOVE these accounts from my credit file resulting from alleged identity theft TOYOTA MTR XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
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| 11/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I went to XXXX XXXX dealership on XX/XX/XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XX/XX/XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XX/XX/XXXX, I call the Toyota dealership and they said they could not remove these inquiries from my credit report. Toyota made car loans applications on my behalf without me knowing. I also called the financial institutions Toyota made these applications to. XXXX and XXXX financial departments opened cases to look into this situation. Toyota Corporate and Financial department refused to, claiming they could not do anything.
|
| 07/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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|
I was going through my credit report and I noticed that my auto loan with Toyota Motor Credit was reporting late. I had my payment automatic set for the amount that was set by the dealership and the bank that finance my Toyota. However, there were discrepancies on the monthly payment and I was not receiving the statement from the bank for the exact amount. Therefore, I was shocked when I reviewed my credit report and found late payment on the dates below : From XX/XX/XXXX - to XX/XX/XXXX - Please remove those late payments!
I am not sure how these happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 03/25/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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|
Leased car through Toyota financial services. At end of lease, bought the vehicle. During the time between end of lease and processing of purchase, the account kept posting new payments. TFS told me twice on phone that I did n't need to make those payments. Now that account shows as 30-60 days past due on my credit report. TFS never answer phone ; automated system says account associated with my information is closed and for unforeseen reasons, no customer support person is available to answer my call. Need the negative information removed from credit report as I never delayed a payment except when TFS told me to not make one. Disputing with credit reporting agencies has yielded nothing either.
|
| 09/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
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On XX/XX/XXXX the XXXX XXXX requested the title from Toyota Motor Credit so I could title and register my car after moving from XXXX. I have called Toyota several times to check on the status of the title being sent. I have gotten different answers each time I call. Some include that it was mailed on XX/XX/XXXX or a different date, that it would be mailed in 8 to 11 weeks from the date it was requested from the title department in XXXX ( XX/XX/XXXX ), most recently the only response is that " it is being processed ''. Indiana only allows two 30-day temporary registrations. After XX/XX/XXXX, I will need to drive with an expired registration due to Toyota REFUSING to forward the title to XXXX.
|
| 05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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|
I already reached out to the credit bureaus and to TOYOTA MOTOR CREDIT and notify them of their error posting of information on my report. I never missed any payment on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report
|
| 04/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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Using Toyota Financing 's automated phone system, I made my monthly payment. I received a confirmation number.
30 days later, I get call from 'toyota collection ' - you are late. There is now a late fee. Pay.
I explain I made payment on their system and I provide my confirmation #.
I ask, how can i have a late fee?
I ask, why no one told me payment did not go through ( I have learned that basically the confirmation # I get/got from Toyota is useless ).
Finally -- - the system there is no way i can be notified if a payment fails ... ... only If i pay using their online system ... .then I would get such a notification but If i use their phone system ... ..no notice. and you get a late fee.
|
| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : TOYOTA MTR XXXX Date Opened : XX/XX/2018 Balance : {$1400.00}
|
| 06/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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|
Web |
Older American |
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I paid off vehicle lease with Cashiers Check on XX/XX/2022 to Toyota Financial Co. as required. Have been unable to secure all needed paperwork from Toyota Financial to obtain licensing from State of Kansas as of XX/XX/2022, almost two months.
TF is difficult to reach, XXXX XXXX has tried to help but we are still not receiving the Bill of Sale that is required for State licensing. I have wasted 3-5 hours of time just waiting at the Kansas Motor Vehicle to see an agent there and countless hours trying to contact someone at at XXXX to explain why it will not send all the necessary documents in a timely manner. As of today " ... ..it is in the mail, '' ( heard that before ) Toyota Financial :
|
| 06/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
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|
I sold my XXXX XXXX to XXXX. XXXX picked up the vehicle in XX/XX/2021. They had it for over 5 months and Toyota didnt make correct payment amounts. So Toyota kept billing me stating I owed them monthly payments even though my car was rightfully paid off from XXXX and no longer in my possession. They reported 5 months worth of non payment. Sent my information for a repossession even though I didnt have the car. I contacted Toyota and they wouldnt help me citing it was my responsibility but they didnt communicate with XXXX correctly about my balance due. This is not my responsibility once I dont own the car anymore. They need to remove those dings to my credit or I will seek legal council.
|
| 02/28/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Lexus XXXX has reported to the three Credit Reporting agencies that we have failed to pay them, the claim by Lexus XXXX is fraudulent and is in an error.
The car in question was involved in a accident.
The XXXX XXXX insurance company declared it as a total loss.
The XXXX XXXX Insurance company confirmed the situation with Lexus XXXX and requested the payoff amount as of the date of accident XX/XX/XXXX.
The Lexus XXXX provided the payoff amount of {$25000.00} that included monthly payment of XX/XX/XXXX and XX/XX/XXXX.
XXXX XXXX Insurance issued a check no. XXXX XXXX XXXX on XX/XX/XXXX and the check was cashed by Lexus XXXX on XX/XX/XXXX ( attached is a copy of the cashed check ).
|
| 11/17/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
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|
A woman called me from a XXXX number asking to speak to XXXX XXXX, my mom, when I asked her who was calling and what company she was calling from she declined to answer. So i started recording the phone call through XXXX voice, She then asked to speak to my mom again, i then asked again who she was and what company was she calling from. which she then recognized that the call was being recorded, she then asked my why i was recording the call. I told her because I always record calls from numbers i do n't recognize and have blocked caller Id 's. she then hung up the phone.
So I XXXX the number XXXX and it resulted in XXXX XXXX. Ill attach a copy of the recording for your review.
Thanks
|
| 10/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
I tried to buy a XXXX XXXX online in XXXX. Repeatedly after being told a car was available, I applied for credit with Mazda 's financial arm, and then shortly after, the car was no longer available. This happened multiple times. I even waited for a sales rep to explicitly tell me when to come in. Then I went in, but they had no one on hand to actually sell me the car.
Yes, I filled in the applications, but with the express understanding that the car ( s ) were available. They induced me to run two credit checks in the same week and I came away with nothing for it because they weren't available for sale. It's hurt my credit score and I want these inquiries removed from my credit reports.
|
| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.
4. Account Number : XXXX This is not mine.
5. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
|
| 09/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Toyota Motor Credit Corporation has had a delinquency indicator on my report since XX/XX/2014. I have a XXXX balance. What happened was I paid my vehicle off earlier. I called in for the pay off amount. I made the payment they provided to me. A month later they send me a payment but I naturally thought it was paid off. Come to find out later, they were sending me a bill for finance charges still unpaid for the last month of my loan. I tried to dispute the late charges and they refused. I was late due to the dispute that is why it went 90 days. They were unwilling to work with me on this issue. Five years later it is still on my credit report. I wrote letters to them including Toyota CEO.
|
| 03/19/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by XXXX and XXXX because it was deemed fraudulent.
|
| 02/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX XXXX is reporting a repossession on my credit reports. After reviewing my credit report, I took it upon myself to dispute this inaccurate account with the credit bureaus as well as directly with XXXX XXXX. The tracking on my dispute is showing as delivered yet I still have not received any documentation from XXXX concerning this account. Per the consumer laws, after receiving a dispute request, that consumer reporting company must acknowledge and complete an investigation. It seems perhaps my concerns have been ignore and this is a violation of my rights! I am requesting that this account is deleted from my credit report and all documents pertaining to this account be mailed to me.
|
| 12/15/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Payment Info Status Current, was past due 30 days two times Updated on XX/XX/XXXX Past due amount - Original loan amount - Monthly payment {$650.00} Late payments XX/XX/XXXX XX/XX/XXXX However I dont agree with reporting me past due for these two months. The reason being, I personally on numerous occasions requested a due date change.
XXXX XXXX stated they lost my paperwork. I complained to the highest department.
I reported it as inaccurate information with the major credit bureaus. This is impacting my score. I even signed documents to change my due date. Had my due date been changed as requested I would not have been reported late due to a 15 day grace changing a due date provides.
|
| 06/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I have been charged with a missing key on XX/XX/XXXX for {$400.00}. We have repeatedly told Toyota Financial that the 2nd key was placed with the documents and it was placed in the glove compartment. Please note that the car will not lock if it senses a key inside the car. The car was placed under the dealership from XX/XX/XXXX, until it was inspected on XX/XX/XXXX. The XXXX XXXX XXXX was left unlocked for 7 days. During this time, the key was either removed from the car and misplaced or thrown away. No one from the car dealership nor the Toyota Financial contacted us for the missing key only after I received a letter on XX/XX/XXXX, noting that I own them {$400.00} for the missing key.
|
| 10/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
TOYOTA MOTOR CREDIT - Account Number : - XXXX Status : - CHARGE-OFF Toyota Motor credit account XXXX was discharged in bankruptcy a. The discharge papers and matrix are enclosed.
b. The letter from Toyota acknowledging the bankruptcy and a copy is enclosed.
During the last dispute XXXX re-listed the account as verified, so I initiated another dispute and it remains in dispute status.
Last year before all the XXXX mixed files it reported correctly.
Have XXXX please fix the status to Discharged in Bankruptcy and leave it alone.
It has been changed on the report several times. Yet Toyota ( as in the letter enclosed ) has verified they stopped collections and it is in bankruptcy.
|
| 12/11/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
I have visited XXXX XXXX ( on the last weekend to buy a new car from XXXX XXXX XXXX They had promised to charge interest rate@3.99 % on invoice price but the document mentions 3.99 % on all tax loaded price. And there was no agreement of down payment which is inserted in the final price financed as " Total Sale Price ''.
I have completed loan application under financing through toyota finance but since it got late for the PDI inspection the delivery/ pick up is scheduled for Monday morning.
Please advise us the options. Should we contest the anomaly in documentation? Are we under any legal bonding? Can we walk out on the agreement if we have not taken physical delivery of the car?
|
| 07/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
On XXXX, I spoke with a Toyota Financial Services representative who exclaimed that of the total loan amount due ( Final payment XX/XX/2022 ; {$4100.00} ) about {$2000.00} was due to interest charges beyond the original scope of the lease term. To wit, since the car was leased in California ( a consumer-friendly state ) the lease conforms to the said state 's legal system and is hence considered USURY ( Excessive ) ( XXXX XXXX XXXX XXXX XXXX XXXX ). As the included article contends, their are specific annual caps of 10 % on auto loans in The XXXX XXXX and TFS has exceeded them in this instance.In essence, the actions by TFS are illegal as defined by the California State Constitution.
|
| 07/23/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Mazda Financial Services reported me to collections stating that I was 30 days past due. They did the same thing from last year XXXX which was a lie stating that i was late on a payment. I have proof from my bank. I now send cashier checks to them. They have reported to the credit bureaus that I am late on my account again from the month of XXXX which is untrue. I contacted my bank yesterday for verification purposes. They in fact sent me a copy of both of the cashier checks that In fact have been cashed. They are reporting inaccurate information which is affecting my credit score which is messing me up In a major way. This is my last warning to them to correct their wrong doings.
|
| 07/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
WE bought XXXX XXXX 's on the same day for our sons going to college XXXX of the cars was in a total loss accident. XXXX XXXX and Toyota got the account numbers wrong and payed off the wrong car. We had no idea what had happened we continued to pay the payment as agreed, not knowing what had happened until going to the DMV to get license for the other car they informed us that that car was showing a total loss. Toyota meanwhile set up another account and we was not may aware and they turned in the other XXXX as being late I contacted them and they said it was XXXX XXXX fault because they requested they wrong title, and they were to correct our credit report but that did not happen.
|
| 11/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
|
|
On XX/XX/XXXX, I made a loan of {$12000.00} to Toyota Finance. And the salesman made him purchase insurance saying he would pay {$72.00} each month. Which I accept. But I did not know why the seller XXXX did not inform that the total amount of that insurance would be lent to the bank along with the {$12000.00}. Now the debt is {$16000.00}. Including the total amount of insurance. Which I don't agree with and I called and sent emails to get them to cancel it. I went to the dealer to have it canceled firmly and they told me it would be within 90 days. Which is not fair. Because they are charging me interest on that insurance loan. Which I pay every month and it will not be returned.
|
| 12/07/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I pay on my account 01 to 08 month of 2016 toyota motor credit have dramge my credit with negatively mark on credit so i can not trade my car i had 5 month left on lease every dealer ship i with to had hard time get information when they call and went they look at transunion i had now if i pay a lease car for 10 month they would have came got call they just do want see me trade car they close my account and did want me to pay on it .i still have car we going court this was a lemon car deal for new car to shut me up now i having problem 5 month left i have paper from attorney General of they violation on that i trade for lease i did want to lease and i did have good credit to lease
|
| 10/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Leased a XXXX XXXX XXXX from Toyota Motor Credit Corporation. The care was in an accident on XX/XX/19 and subsequently declared a total loss by XXXX. XXXX paid Toyota in XX/XX/2019 for the loss and I had made the XX/XX/2019 payment just in case there was a lag in the insurance payoff. At the time of the XXXX payoff my account was not delinquent and should have been close at that time. The account has not been closed as of today XX/XX/19, I am owed {$3300.00} dollars that Toyota has not remitted and they have reported me as thirty and sixty days delinquent. I have spent several weeks trying to resolve this with Toyota financial to no avail and I now need help from their regulator.
|
| 02/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I sold my car, XXXX XXXX XXXX, on XX/XX/XXXX. The dealer sent the check to pay off the loan, which was processed on XX/XX/XXXX based on the confirmation mail from XXXX XXXX XXXX. Since then, XXXX XXXX XXXX has delayed the lease of the lien, blocking the completion of my car sale over one month. I have contacted them several times, and they have made unrealistic and false excuses. The most recent excuse for this delay was that their request to release the lien was reject by the Virginia DMV, where the title is currently kept. The email communication with the Virginia DMV indicates that they have actually never submitted the request. The car VIN No is XXXX. My account no was XXXX.
|
| 02/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I had several XXXX XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Prior to my account becoming late, I contacted the Toyota Financial. I was told that I would be able to put the payments that I would miss on the end of the loan, so my account would not go late and would remain current. I was assured by the representative this would not result in me being reported late. It would however, result in my loan being extended. I agreed with the assurance that my credit would not be late. Nevertheless, I was given the wrong information, and Toyota reported my account late. I have tried the last 8 months to no avail. I was duped into extended my loan and the item being reported late on my credit.
|
| 12/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
I am an XXXX American female. I purchased a Lexus vehicle from XXXX Lexus in XXXX Md in XX/XX/2019 through Toyota Motor Credit Corp. I recently received a refund check for some unknown reason. I contacted TMCC who explained that they randomly reviewed my interest rate and decided I was eligible for a lower interest rate. After the call with TMCC, I found out that they recently settled a large class action lawsuit in which they were sued by XXXX groups for being charged higher interest rates because they were XXXX XXXX groups.
File No. XXXX XXXX TMCC is still in violation of Consumer laws by discriminating against me by charging me a higher interest because I am XXXX American.
|
| 07/27/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I 've tried to resolve a credit issue with Lexus Financial over the phone and I 've had no luck. I finished a lease with Lexus Financial Services and asked them to show the credit transaction as satisfied and paid off with a zero ( {$0.00} ) balance. I have always paid this account on time and the history of it account should reflect that on my credit report. I 've tried to contact multiple departments as well as trying to reach their corporate offices with no luck. I normally would'nt file a complaint, however, their responses of " their is nothing we can do '' seems very scripted and does not sit well with me. I 've never had a problem with LFS accept for this. Please help!!
|
| 05/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
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Car XXXX XXXX/XXXX/16 in which the other driver was at fault. Toyota Financial Services representatives ( more than XXXX reps ) and also in writing ( several ) stated to the driver at fault 's insurance company, XXXX, a payoff amount that was incorrect. The amount was incorrect by {$500.00}. Toyota Financial Services representative, XXXX XXXX, promised on XXXX/XXXX/16 to issue the {$500.00} to my husband and I. XXXX XXXX does not return calls and when I can actually speak with him, he promises to call back to let me know the status and as of today I have still not received the {$500.00}. He has not returned my recent calls and I believe he has pocketed this money for himself.
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| 01/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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This letter shall serve as formal Notice of my Intent to file a Complaint with the Federal Trade Commission and the Consumer Finance Protection Bureau, due to your blatant disregard of the law.
In accordance with the Fair Credit Reporting Act, the following creditors, TOYOTA MOTOR CREDIT - ACCT # XXXX have violated my rights.
15 USC 1681 Section 602 states that I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions.
15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
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| 11/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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When I was getting my car, they offered many different options for insurance and protection for my vehicle ; of course, I denied this offer because I thought I didnt need it!! So, after all, I was trying to cancel because I didnt need it. They transferred my call to other departments. All I feel so tired and I leave the things then I have there, so I have protection for pain seat and tires, and I dont even know how some of this works, I was even calling for information to make effective this insurance and they were telling me the sales person doesnt explain. I was not, but they never provided me with a good solution. Now, Im still paying, and I dont know what I am paying.
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| 03/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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On XX/XX/XXXX, Toyota Financial Services refused to send me itemization of charges assessed with original bills to my XXXX XXXX XXXX car loan. Those erroneous charges are {$2100.00} ( unknown ) and {$250.00} ( unknown ). I want the original bills for proof.
Otherwise, the charges must be removed by law.
I want the original bills.
Next, On XX/XX/XXXX, I cancelled GAP for {$1000.00} and Warranty for {$3200.00} back to XX/XX/XXXX on XX/XX/XXXX. Non usuage of products and with in 30 days.
TFS charged me interest from XX/XX/XXXX to XX/XX/XXXX.
I was told I can cancel these and no interest would be charged and credited back to my account for I never used these junk fees.
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| 03/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Toyota / XXXX XXXX XXXX has systemically defrauded millions of borrowers out of countless dollars in interest payments, by purposefully making it difficult to prepay their auto loan products.
Specifically, TFS doesn't allow prepayment of principal online. While they allow extra payments ( payments in excess of the monthly installment amount ) to be sent via online submission, it only prepays principal and interest, and doesn't reduce the loan balance. Millions of Americans would not understand that this subtle difference results in zero benefit from an interest standpoint.
It truly is predatory and should be looked at given the VOLUME of loans going through this lender.
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| 09/01/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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In XXXX I switched banks and used the new banks online bill pay address for toyota financial to pay my auto lease. Unfortunately, toyota was unable to find my payment. It took three months to correct the problem and it resulted in my account being 30 days overdue. I wrote to them in XXXX and they refused to remove the credit notice on my account. Here we are in XXXX and it IS STILL ON MY CREDIT REPORT AND TOYOTA HAS REFUSED TO REMOVE THE PROBLEM ON MY CREDIT REPORT. I spoke with supervisor XXXX XXXX XXXX, and she was steadfast in her refusal help me with this issue. I would greatly appreciate your help in getting toyota financial to remove this blight on my credit report.
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| 01/24/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I bought a Toyota Camery XXXX on XX/XX/2016 from XXXX XXXX Toyota and I bought all the warranty they offered me includ Gab insurance and they explained to me that Gab insurance pays the difference if the private insurance did n't cover what I owe to the bank and the I had accident and was n't my fault I reported to my insurance and they paid me XXXX and They sent the check to Toyota and I was waiting for Gab insurance to kick in and pay the rest but I was surprised when they paid only {$390.00} and now I have to pay the rest which is almost {$9000.00} however, the GAB insurance should coverage but they cheated and lied to me and really I do n't know what I should do.
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| 10/31/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
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Web |
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My vehicle was repoed due to delinquent payments I haven't been able to work & during XXXX repping my vehicle my drive shaft, transfer case and front differential transfer were broke during repossession because the key fob wasn't present at the time of them pulling/taking my XXXX XXXX XXXX XXXX XXXX XXXX the differential and transaxle & transfer case all XXXX were broken during repossession that took place at XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. They did not use key fob & damage my suspension underneath my vehicle. Now it's leaking oil through transfer case and axle plue XXXX XXXX XXXX XXXX XXXX XXXX differential. Over $ XXXX in damages & repair needed.
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| 03/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have an auto loan with Toyota Financial services and in the second week of XX/XX/XXXX I activated autopay. They took the first payment of {$400.00} on the XXXX of that month. The subsequent payment didn't " autopay '' and in XX/XX/XXXX my credit report was marked 30 days late. I faxed a request for removal of this from all 3 of my credit reports. I received a response by mail that didn't address what I had requested, and I was denied the removal.
I have zero late payment markers on my credit report. I can't say why this happened, whether a glitch in their software or something on my end, but regardless there was no lack of money or intent to pay my loan payment.
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| 12/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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RE : Inaccurate Reporting to Credit Bureaus Account # XXXX Toyota Financial Services XXXX XXXX XXXX XXXX XXXX, IA XXXX Toyota Financial Services is reporting incorrect balance information about my Toyota account to all three credit bureaus. My balance has been incorrect since XXXX of 2021. I have disputed this issue multiple times and no changes. This has caused my credit score to not reflect my positive payment history and balance.
As a responsible and valued Toyota customer, I deserve to have accurate reporting. If I was late on my car payments, I would not have to take time out of my day to inform Toyota Financial Services of accurate credit bureau reporting
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| 05/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I purchase a XXXX XXXX 2015 Loan # XXXX From XXXX of XXXX NY from Toyota Motor credit corporation. Toyota was sued from discrimination against African Americans for sale high interest rates and misleading them into bad loans. This hurt my credit score for years i also paid thousands over the price that a normal loan would have paid I have a year and half before this loan is paid off.I feel that this loan ruined my scores for many years Im asking that Toyota Motors consider that my loan is paid in full because of the financial pain it cause me also I believe this was a hate crime and that they should send me a paid in full letter. This loan was done for greed!!!
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| 08/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have disputed Toyota financial off of my credit report multiple times and they still have not taken it off. It has almost been on my credit for seven years and the amount due is not correct. I have spoken with the IRS and toyota filed a XXXX for in the amount of {$3000.00} back in XXXX which is a cancellation of debt which by law means the debt is forgiven. i wa=ant this removed, it is affecting my ability to buy another house, or get a car in my name. I spoke with XXXX ID # SIXW over at toyota who claims there was no form filed with the IRS, but when i speak to them they said it was filed back in XX/XX/XXXX and are mailing me proof of this XXXX form as well.
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| 03/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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Getting a new leased vehicle on XX/XX/XXXX, a driver ran a red light within six days of the lease and destroyed my car. He was given a citation for the Total Loss of my vehicle.
I was told by XXXX in XXXX and by my XXXX XXXX in XXXX that the GAP insurance covered all expenses. My replacement lease also increased by {$570.00}, which no satisfactory explanation was provided.
Mazda Financial Services closed this lease agreement apparently in XX/XX/XXXX with an outstanding balance and never informed me of the discrepancy or miscommunications. I had no way of knowing this existed. They have damaged my remarkable credit now with no customer relations or concern.
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| 12/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I have an auto loan from TOYOTA MOTOR CREDIT, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MOTOR CREDIT with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
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| 04/01/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I co-signed for my son and toyota did not pick up the payment from XXXX XXXX because according to toyota motors they had transitioned to XXXX but toyota still took the vehicle and allowed the reinstatement he paid about {$2400.00} for toyota motors to turn around and take the truck back from him and said the account had been closed since XXXX. I tried to refinance the loan and made Toyota motors aware but in the process they ended up asking me to pay {$350.00} for them to release the payout amount to the new refinancing company and auctioned out the vehicle. My credit was ruined and my son and his family ended up with no truck after toyota made that mistake.
|
| 12/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
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|
Web |
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Well before filing bankruptcy I tried to keep the XXXX XXXX if they would lower payments and this was asked of Toyota credit services in 2017 I paid a couple of payments while I was waiting on them to come and get the car and when they got the car back they sold it at an Auction and still was trying to say I owed over {$11000.00} so then I keep getting harassed from them for a long time filed bankruptcy this year and the bankruptcy judge discharged it and they will not remove it from my XXXX credit report and will not remove it from my XXXX credit report the only one they removed it from was XXXX credit report can you please do something with these people
|
| 09/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
Servicemember |
|
In XXXX of 2020, I purchased a new vehicle with my husband. At the time, I had one payment left on a XXXX XXXX XXXX. As part of the negotiation, the dealership said they would make the final payment on my XXXX. They did not. Instead, a 30 day late notice was put on my credit report, which really hurt my score. I attempted to file a correction with the credit reporting agencies but it was denied.
I was told by the dealership they would make the final payment. They did not make the final payment. I tried to get things resolved through the dealership but they would never return my calls. They never attempted to call the agencies themselves and have it fixed.
|
| 02/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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|
Web |
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TOYOTA MOTOR CREDIT - PURPOSELY MAKE IT DIFFICULT TO PAY DOWN PRINCIPAL OF LOAN BY : NOT DESIGNING IN A PRINCIPAL PAYMENT OPTION INTO THEIR LOAN PAYMENT INTERFACE WHEN CONFRONTED BY EXTRA PAYMENTS BEING SENT IN, THEY SAY THEY ARE APPLIED TOTHE NORMAL PAYMENTS DETERMINED BY THE INTEREST RATE AND THE LOAN - SO YOU CAN NOT DEFINE ANY AMOUNT OVER THE REGULAR PAYMENT TOWARDS THE PRINCIPAL ON PURPOSE.
WHEN YOU KEEP QUESTIONING ( AND THEY DO MAKE YOU KEEP QUESTIONING ) YOU FINALLY GET AN ANSWER OF WHERE TO SEND A DIRECT PRINCIPAL PAYMENT - IT IS OLD SCHOOL, NOT ONLINE AND HAS TO BE MAILED TO A COMPLETELY DIFFERENT LOCATION. MAKING IT SHADY BUSINESS PROACTICE.
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| 05/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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The loan is still in good standing, have never missed a payment. I am moving to New York state and trying to register my vehicle in New York State. The NYS DMV requires a certified copy of the title ( both the front and back side ) from the lien holder in order to register the vehicle. The title is currently held by the lender but the lender has refused to mail out a certified copy of the back side of the title. I have tried to contact the lender on 9 separate occasions between XX/XX/19 and XX/XX/19 but to no avail. Due the lender 's refusal to provide the necessary documentation, I am unable to register my vehicle in NYS and unable to drive my vehicle.
|
| 06/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
Refinanced my joint car loan from XXXX to XXXX XXXX XXXX XXXX. Purpose lower rate and remove myself from loan around XXXX payoff letter was sent to the credit union XXXX XXXX XXXX XXXX address. The credit union sent it to Toyota XXXX in XXXX XXXX, Illinois. They negotiated the check on XX/XX/2022. The reason they sent it to Toyota is because my purchase paperwork stated Toyota was the Lienholder. I called Toyota on XX/XX/2022, XX/XX/2022, and XX/XX/2022. They can't find where it went. I called XXXX XXXX on XX/XX/2022. XXXX XXXX opened a case, I was warned that this may not work, but they will try and get the funds transferred over. No success so far.
|
| 03/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX No late remarks but the status is charged off.
TOYOTA MTR No late remarks but the statuses are Late 30 Days Late 60 Days Late 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 03/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Servicemember |
|
Loan with Toyota Financial Services. Sold the car & paid off the loan. Even after loan paid off, Toyota Financial Services drafted the monthly installment payment out of my bank account. Website showed that call center is open after XXXX XXXX. " local time. '' I called in at XXXX EST this morning and got an automated message that the call center is " closed '' but that it's open at XXXX " local time. '' Obviously this is false. I need Toyota Financial Services to refund the monthly installment payment since the loan is paid off. Also, they should update their website and automated voice system to reflect the times that the call center is actually open.
|
| 01/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 01/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 12/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 08/23/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I leased a vehicle in XXXX from XXXX XXXX in XXXX XXXX, California at the full amount of {$29000.00}. My payments were {$450.00}. XXXX a month. In XXXX I decided that I was going to purchase the vehicle because the repair/service department was saying that I was using up my mileage ( line XXXX on original contract of lease ). I met with a dealer who signed me up on a new contract to buy. The new contract dated XXXX now lists the car at a higher price {$32000.00}. This is after it 's used by me since XXXX. They do n't charge interest on a leased vehicle. It 's a rent charge but should n't the car be valued at the XXXX XXXX XXXX not a new vehicle price?
|
| 07/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
In XX/XX/2023 the balance on my car was {$280.00}. Previously I have been making monthly payments of XXXX. Today I saw {$440.00} had been deducted from my bank account, despite the remaining balance of only {$280.00}. I spoke with XXXX at Toyota Financial ( www.toyotafinancial.com ). She said because I had not cancelled my payment information I would continue to be charged {$440.00} every month, forever, even though I have paid the balance on my car. I had never before been told I needed to cancel my bank account to stop the automatic payments. I assumed the automatic payments would stop when the balance was paid, and that I would not be overcharged.
|
| 07/08/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
I had a lease on a XXXX Toyota Camry with Toyota financial. The lease was for 3 years and XXXX miles. I handed the car in with incidental wear and tear damage and they want me to pay for the incidentals. My issue is that I handed the car in with XXXX miles vs. the XXXX that was allowed. If I went over mileage it would be XXXX $ a mile, however I was XXXX miles under the lease agreement. The residual value works out to XXXX $ due to the under mileage and yet they want me to pay XXXX out of pocket for wear and tear damages.If I had went over mileage they would charge me per mile ; my complaint is why do I not get the same credit for being undermileage.
|
| 12/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
|
| 03/27/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Tried to log into my online account with Toyota Financial Services. Had received a Billing Statement which included personal property tax. Was trying to determine if the automatic payment process setup for this lease would continue and pay this monthly charge.
When I tried to log on, a pop-up screen appeared that I interpreted to mean that I would be forced to switch to paperless billing each month if I accepted the terms. Exited the online website. While on hold trying to contact TFS, received an email from Toyota indicating that my online account had been deactivated. I received a 2nd email from TFS indicating my XXXX payment had been canceled.
|
| 07/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
I notified Mazda Financial Services via certified mail # XXXX of my Right to Resend my contract do to the false & miss leading language contained inside the contract on XX/XX/2021. The correspondence was addressed to XXXX XXXX XXXX. Mazda Financial Services never honored my correspondence. Mazda Financial Services has violated 15 USC 1692e4 of the FDCPA The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
|
| 05/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I called XXXX XXXX because i noticed a 4 year old account that has been closed and charged off all of the sudden shows reopened and missing 1 payment. They stated the company Toyota motor corp stated that the account it open. I then called Toyota motor corp and they stated that they sold off my account and gave me a number. I called the number and was told they do not have it either. I called Toyota back and was given the run around again and told i must mail them a letter if i want any answers. I dont get why after giving them their car back and trying to fix my credit for 4 years they can all of the sudden do this and drop my score XXXX points
|
| 05/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a car loan with TOYOTA MOTOR CREDIT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MOTOR CREDIT with no successful resolution. XXXX, XXXX, and XXXX only reporting me 90 days late payments. There was an error on their part. I was never 90 days late.
|
| 03/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX originally disputed my XXXX insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few XXXX dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department XXXX XXXX in regards to them not originally accepting my XXXX insurance claim and refund of the several prepaid years of the insurance policy.
|
| 07/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XX/XX/XXXX I paid off the amount in full to Toyota Financial services.
Since then I am trying to get my title and to no avail. I was calling every week to check when I will get my title.
They told me I was calling to inquire about it, but never requested the title even though I was asking every time when will I receive the title. Finally someone helped removing the lean and sending the electronic title to the DMV ( according to them to GA dmv ).
When I called GA dmv they said they dont receive electronic titles, just hard copy.
I am keep calling Toyota and the person there does pick up the phone, but not talking ( called XXXX already ).
|
| 09/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
I file XXXX XXXX Bankruptcy XX/XX/XXXX XXXX Toyota Financial was included, I spoke to Toyota on the XXXX of XX/XX/XXXX and informed them I was returning the vehicle I took to XXXX Toyota, Sales Manager name was XXXX, I gave keys he took pics, said he will call in the nest day, that never happen, vehicle still sitting at XXXX Toyota, XXXX said he gave keys to Toyota Sales rep, and he did nothing?, Toyota is reporting negative information on me with all three credit credit agencies, I filed XXXX XXXX for a fresh start and in spite being included in XXXX XXXX they are calling me reporting XXXX addition debt dragging my score down even further.
|
| 05/16/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
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In XXXX XXXX I turned in lease of a XXXX XXXX XXXX. The car was washed and they sent me a bill for XXXX {$900.00} to clean up. I did not pay. later they put they amount on my credit report, and as of XXXX they sent a XXXX to the IRS and a copy to me as this sum to be take as income when I filed my Fed taxes. I sent a copy of the form by letter to all the credit reporting agencies, and requested the account be adjusted and removed from file. It was done so several times by the reporting agencies but Toyota Credit electronically continues to accept the status quo. I wrote Toyota Corp. Credit requesting the file correction. Thus far no response.
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| 10/20/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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There is a widespread problem across the automotive industry of not staffing their customer service centers. They have attempted to use automation for customer service inquiries, but sometimes it is important to speak to an actual person. The core problem is that these businesses are having customers wait between 30 minutes to 2 hours on hold. to speak to a customer service agent. .This is egregious on their part, the wait time should be 15 minutes or less. Customers do not have time wait for 30 minutes to 2 hours, this appears to be a veiled tactic to discourage customer to dispute charges or to resolve loan/lease issues in a timely manner.
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| 04/09/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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On XX/XX/XXXX notice that Toyota/lexus report my name to all major credit agencies as a charge off, i file a dispute once and i contact the credor and they informed me that they will correct with all credit bereaus, so they send me a fax, and a mail attesting that the negative item will be removed from my credit, so the item was removed, and my credit went back to normal, so today i got a email from transition that the item was reported again as a derogatory " charge off " with {$3600.00}, this charge is wrong and I 'm demanding the completely remove this item from my credit, i never being late or miss a pay net on this account acount # XXXX
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| 02/27/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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On XX/XX/XXXX it was brought to my attention that my cars title was showing as lemon law manufacture buyback/salvaged. Upon further research is seems on XX/XX/19 the title of my car was transferred from my name to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX to inquire how this could happen as Im in a current lease and the car has never been sold. They said it wasnt their fault, but this puts me in a bad position of having possession of a car that me nor the lease holder are showing as owners. I can not drive a vehicle without proof of ownership yet am paying on a lease for a vehicle that somehow my title was transferred to a different party.
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| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Hi. I bought out my XXXX XXXX XXXX lease from Toyota Financial Services. They received my check of ( XXXX $ ) on XX/XX/XXXX, and closed my account. Before this my monthly payment deadline used to be the XXXX. This month I saw that they have reported to all 3 credit agencies ( XXXX, XXXX, XXXX ), that I have missed my XXXX, 2023 monthly payment and as a result my credit score has dropped XXXX to more than XXXX points across them. I am trying to buy a home now and this has almost made it impossible for me to go ahead on this now. I sincerely request your help to hold them accountable and rectify this mistake as soon as possible.
Thank you.
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| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Yeah, so starting in XX/XX/ Toyota financial I had asked for an extension XXXX of them so we did the extension but they also reported my payments late and because they reported my payments late I've been behind I received the letter later saying that it was their fault. So I was wondering if I can get those late payments remove. I was doing good because with Toyota I got approved XXXX cars last year and because of those extensions they reported late and for extensions you don't report late payments because I was told that so from XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Late payment of XXXX and XXXX because I have XXXX vehicles with them.
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| 09/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with TOYOTA MTR. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
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| 08/04/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Lexus Financial Services did not provide me with a Bill of Sale at the time they processed full payment for my end-of-lease buyout. They also did not collect state sales tax on the transaction and advised me that it could be paid at the time of registration. The Connecticut DMV refused to register my car without a bill of sale AND does not accept sales tax payment from individuals at the time of registration, as Lexus advised they did.
Without the ability to pay the sales tax directly, and with Lexus refusing to accept a sales tax payment from me, I am unable to register my vehicle. Lexus is uncooperative, unapologetic, and unresponsive.
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| 06/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have an auto loan with TOYOTA MOTOR CREDIT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MOTOR CREDIT with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
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| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I received a fraud alert from XXXX that a credit inquiry and new account were opened with Toyota Financial Services and XXXX TOYOTA . When I called to alert the dealership that this was fraud and I had not tried to purchase a vehicle, they found that another person with the same name as me purchased a car with them today. That person used all of their own information, but my Social Security Number. The dealer found that when they typed my name into their XXXX, my social security number auto populated in their credit application system. This is a dealership network that I had previously purchased a vehicle with, but in a different store.
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| 05/05/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This particular account situation that is lately filing on my own credit document has aseriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
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| 07/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I went to the Toyota car dealership on XX/XX/2018, allowed them to do my background check ; I was aware that a hard inquiry would show up on my account from Toyota credit, but next time when observed my credit report there were Six hard inquiries on the same day. I called them, and they said it is because you didn't qualify for special financing from Toyota we had to ask other banks. That was a surprise for me since it shouldn't show up as hard inquiries, I called manager of the dealership regarding this issue, and she said it is showing up on your account because you didn't purchase the vehicle. We all know it does not work like that.
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| 06/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I wrote the credit bureaus regarding an account that was reporting on my credit report that I settled some time ago, however they wrote to tell me that this account was verified as not been closed, yet on the credit report the status on all three ( 3 ) bureaus said " Closed ''. I voluntarily returned my motor vehicle back to Toyota Motor Company and we settled this account from XX/XX/2012 but this has still been affecting my credit report and I do not know what to do. I wrote Toyota financial about this issue and still waiting for a response. I would really like to settle this issue and have this account removed from my credit report.
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| 11/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I paid my account due on XX/XX/2016 and saw something on the website that said Toyota Financial gave a one-time forgiveness. I paid the overdue amount XXXX XXXX. I applied XXXX XXXX and was told that the policy was no longer being offered as of XXXX XXXX. I had never been late before. In fact, this was my second to last payment and now the car has been paid in full. I was reported as being 30 days late and my credit score was reduced by XXXX points. I think this is unfair as the forgiveness policy was active when the late payment occurred. I contacted Toyota Financial again and they refused to remove the late mark on my credit report.
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| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
2. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
3. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
4. Identity Theft XXXX Date of inquiry : XXXX This is not mine.
5. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.
6. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
7. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
8. Identity Theft TOYOTA MOTOR CREDIT Account Number : XXXX**** This is not mine.
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| 03/23/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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1. ) Account XXXX Date Opened XX/XX/XXXX /Original Balance {$14000.00} and 2. ) Account XXXX Date opened XXXX XXXX/Status closed charged off/Balance XXXX are being reported falsely and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them. Negligence from their part. I need this help from you guys please.
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| 02/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
Older American |
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I have financed 5 previous XXXX leases. I have never missed a payment. I decided on XX/XX/2019 to purchase my latest lease. Not only had I paid the lease in full, I had overpaid by {$2000.00} dollars. I am XXXX years of age and have a credit score Over 800. I received a letter from XXXX stating they could not approve the request for credit as they could not verify my employment. As a result I had to take a loan with a high interest rate. I have the same employment and income I had for the last 4 leases. The application was with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Florida XXXX. Phone XXXX. This is age discrimination.
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| 06/12/2023 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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On XX/XX/2023 a collection representative of Toyota Financial Services contacted me via phone number ( XXXX ) XXXX XXXX at/or about XXXXXXXX XXXX ( Vermont time ). To collect the DISPUTED ACCOUNT OF MONEY OWED. I told her that she should send all communication in writing and that I filed a CFPB Complaint against Toyota Financial Services. She ended the call and I filed this complaint because I believe that Toyota Financial Services tried to use UNETHICAL collection practices to VIOLATE MY CUSTOMER PROTECTION RIGHTS. Because of the alarming phone call I now need to seek consoling to cope with the additional stress of that phone call.
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| 05/11/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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XX/XX/2020 I have informed XXXX XXXX my job was impacted by Covid 19. I had to file unemployment and the process was time consuming which caused the late reporting on credit report. I have been informed the dealership was not to report late or negative reporting to the bureaus. I am finding out because I am not back on track and in the process of refinancing my home. It seems to be unfair due to my illness with the XXXX XXXX and the pandemic I am being penalized about something that I cant control. I ask to remove the late reporting from XX/XX/2020 so that I may have a chance to refinance my home and move forward during the pandemic
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| 03/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
Older American |
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I applied for the Toyota Motor Credit Corporation Class Action Settlement that certain cultures were charged more in interest rates than non XXXX XXXX.. On XX/XX/XXXX I received a letter from the Administrator of the Toyota Class Action lawsuit that I am not eligible because I am not XXXX -- I am. I did purchase a XXXX XXXX on XXXX XXXX from XXXX XXXX in XXXX, PA. The XXXX was financed through Toyota Financial I have the documents to prove it. This is the time on or before XX/XX/XXXX and XX/XX/XXXX that the lawsuit stated the automobile had to be purchased. I am an XXXX XXXX female.
Respectfully, XXXX XXXX XXXX ( XXXX.XXXX.XXXX )
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| 03/16/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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I entered into a lease on XX/XX/2016 with Toyota Motor Credit. A year later I purchased a home and was informed by my lender that the interest rate for my loan was high. I reached out to Toyota and discovered a Class Action Lawsuit charging that XXXX and XXXX where targeted with higher interest rates, after filing an eligibility form with Toyota I was excluded from the class action. I met all required criteria : 1. I am XXXX.
2. I was charged a high rate of interest when my credit score was excellent.
3. I purchased the vehicle on XX/XX/2016.
I should not be excluded and I wish to pursue a complaint against Toyota Motor Credit.
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| 05/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Toyota motor credit is reporting XXXX $ owed on a charge off account. This account was included in my bankrutcy. I surrendered the vehicle to Toyota Motor credit. I have asked for specifi documentation as to how they came to the amount being reported of XXXX $ -If the car was sold I would like a break down of what the car sold for and how Toyota XXXX to this large amount being incorrectly reported on all XXXX of my credit reports. I do want validation of debt. I do want validation of amount being reported and a break down of how they came to this amount as well as written documentation of what they received for the car once it sold.
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| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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TOYOTA MOTOR CREDIT ACCT XXXX XXXX XXXX XXXX XXXX You are in direct violation of The Fair Credit Reporting Act ( ACCT # XXXX, ACCT Name : TOYOTA MOTOR CREDIT ) , has violated several of my constitutional rights.
15 USC 1681 SEC. 602 A, Rights to Privacy.
15 USC 1681 SEC. 604 A, Furnishing account without my written consent.
15 USC 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.
According to these USCs, I hereby demand these late payments be removed and update this account with immediate effect due to violation of The Fair Credit Reporting Act.
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| 03/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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On XX/XX/XXXX I paid XXXX towards my car note. I mailed the check to po box I was told to pay on principal only, which I did. Three days later I mailed XXXX to the same po box . They are telling me my pay off amount is XXXX which is incorrect be they applied all of that money to the principal and interest!! I have called 4 times now, asked to speak with a manager, asked for an email that they did move the money over to principal ( was told 4 separate times that has been done ) to top it off I filed a dispute with the credit bureaus because it still shows I owe XXXX!!! They are stealing my money they the false interest calculations!
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| 03/19/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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Wrongful repossession Financial Fruad -Wiring money ( unknown reason ) Toyota Financial Services ( TMCC ) and Lexus of XXXX -Asking for social security number and account number via text / email -Over XXXX dollars of unexplained charges and late fees -Repossession of vehicle with belongings inside, refused to inform me where it is to get my things unless I pay off vehicle -Term changes /mid deal changes after closing - Constant billing / late fee harassment ( unexplained ) - Credit denial so was forced to pay cash towards downpayment No one in the finance department or dealership will help they claim it has nothing to do with them
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| 09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled.
TOYOTA MOTOR CREDIT XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, TOYOTA MOTOR CREDIT XXXX Open Date XX/XX/XXXX Balance : {$0.00}
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| 01/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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Toyota financial services has reported me 30 days delinquent for mutually agreed diffrentment of couple of payments, which I never used it. Also I have paid in loan fully on XX/XX/2020 and they reported delinquent in XXXX of XX/XX/2020, which caused me take hit 0.5 % on mortgage application with investment property, I was buying. I have tried to reach out to them serval times via phone on phone today and they are not picking up the phone. This has caused me compensatory losses of {$7200.00} on two loans. My credit score has went down by 70 points and 30 days delinquency has been add to my account, which was never ever delinquent.
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| 07/20/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Mazda Financial Services has violated my Consumer rights pursuant Title 15 USC 1692g.
Mazda Financial Services can not extend credit to a Consumer natural person..
Mazda Financial Services has a unverified and alleged debt against the original creditor XXXX XXXX to which my credit is unlimited..
Mazda Financial Services has no written contract from the original creditor validating any such alleged debt for the consumer natural person..
Mazda Financial Services has violated Title 15 USC 1635 by not providing the original creditor the proper forms and documents pertaining to my right of rescission to all credit transactions..
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| 01/25/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been contacting Toyota Financial Services regarding several accounts that I do not owe anything. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX balance. Also proof of the employee who sent the receipt who still currently works for Toyota. And lastly a incident report because Toyota has forced me to contact the police to resolve this matter. I have been dealing with this issues for years and it has affected my life very badly.
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| 02/17/2019 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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XXXX has been calling my work line and cell line for several weeks/months about a debt I do/did not know about. After checking my mail yesterday, I received a letter from them about a debt by Toyota motor collections and to respond in 30 days to dispute debt. The letter is dated XX/XX/2019 and tied to an account balance of {$2800.00} from Toyota motor credit corporation, which I never received any letters from them about this debt either. Due to not knowing about debt until I received this letter, I will be disputing it. I placed this though under communication tactics because they call my phones twice if not three times a day.
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| 06/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Hello. I was in a car accident on XX/XX/2021. My car was totaled by a driver who ran a stop sign, and my insurance XXXX XXXX, claim # XXXX XXXX paid off my auto lender.
The account still shows that its active on my credit report and its stopping me from getting approved on any car.
The insurance paid my auto lender on XX/XX/2021 and it was paid to Toyota motor credit corporations. On the credit report it shows XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX.
I need this removed from my credit report because it has been paid off and I need to purchase a new vehicle in order to get to work and to my doctors appointments.
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| 06/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Hi and how are you? Listen, this surprised me and i just reviewed my entire bank statement for XXXX and saw the {$270.00} payment come out religiously. I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
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| 11/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Account reinstatement or redemption after repossession
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Web |
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Made payment to stop charge off XX/XX/XXXX advised I would make payment again XX/XX/XXXX but check didn't clear at bank from accident explained I lost job I XXXX XXXX XXXX XXXX XXXX XXXX XXXX motorcycle accident XX/XX/XXXX so that set me back a lot tried catching up finally have money but they charged account off they didn't inform me or call me and toyota financial is also saying I told them not to call me which is a lie also vehicle was in accident and XXXX XXXX I had to battle with them on repairs didn't have vehicle for a year fighting with XXXX XXXX just recieved vehicle back XXXX weeks ago from accident XX/XX/XXXX 2022
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| 02/15/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My wife and I both got a call about being served papers for a complaint from a debt against myself. Told to call a number if not available to sign on that day. My wife and I both called to find out information. Phone number is XXXX. The person on phone said it was a debt owed to Toyota for a vehicle purchased back in XXXX and was auctioned in XXXX and I owe the remainder of bill. I never purchased a Toyota in XXXX. I believe this is a scam. When I tried to look up the company city serve which the company they are claiming to be it comes up with XXXX charity and a church charity, instead of a debt company that serves papers.
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| 09/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX and XXXX not reporting company caused me to have a lower score that violated my FCRA. rights 15 % of credit reports score rely on payment history length have them correct the paid off accounts that aren't reporting as even any kind of history Toyota motor credit ( 5 ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you look at the report I just applied for a mortgage that I was turned down costing me a great investment property CFPB was put in place to make sure the company did their jobs. The company still harmfully violate our rights costing consumer Billions of dollars not millions
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| 11/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I extended my consumer credit and was denied.
I provided a Promissory Note in the form of an application. I gave my personal credit information to facilitate the extension of credit.
Given extortionate loan terms, asked for a down payment, and a co signer, on a credit transaction that includes a finance charge.
Did not disclose the use of my credit to obtain credit.
Did not disclose the security interest of the instrument provided, i.e credit application.
In in possession of said instrument. And is not extending my benefits toward the credit purchase of the household goods. I.e. vehicle.
Misuse of credit card. ( SSN )
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| 10/05/2017 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX/XXXX/XXXX {$370.00} XXXX XXXX XXXX XXXX claims there is an unpaid lease charges reported by Toyota Financial Services. XXXX XXXX claims I HAVE TO DISPUTE THE VALIDITY OF THE DEBT within 30 days, otherwise they will ASSUUME this debt is valid. I called their provided number and I have reached is a voicemail.
I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX all obligations have been fulfilled and their record shows a XXXX balance.
I have also called XXXX XXXX XXXX today after receiving the letter from XXXX XXXX XXXX XXXX, and confirmed my lease payment has been fulfilled and account was closed since then.
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| 10/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Toyota Motor Credit is freshly reposting a charge-off of {$13000.00} to my credit report, inaccurately reporting a " recent '' Charge-Off ( CO ) repeatedly. A 2 year payment history is showing OK payments XXXX - XXXX and a CO at the end of XXXX in error. Any charge off would have been from approx. XXXX and I was never given an opportunity to settle this account nor did I receive any written notification of negative actions. I believe this to be an unfair business practice and would like to resolve this dispute or have it at a minimum accurately reported on credit reports.
Unknown account number being reported : XXXX XXXX
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| 03/29/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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False credit reporting and violation of FCRA, Toyota is reporting me currently 30 days late and I have been denied credit numerous times because of this and I can not get them to correct it. This loan was paid off in XX/XX/XXXX and yet it shows 30 days late on my XXXX Report.
XXXX XXXX XXXX Account Number XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment Status 30 days late Loan Term 72 Loan Type Auto Loan Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Closed Creditor Information TOYOTA MOTOR CREDIT CORP XXXX , GA XXXX Phone # : XXXX
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| 11/14/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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I purchased a 2015 XXXX from a XXXX XXXX XXXX. I have had trouble getting Toyota Financial Services to accept my payment and have been trying since XXXX XXXX to pay them. They keep telling me I am not paying and I am. When I call customer service I get the runaround. All I am trying to do is to pay my car loan. They have now doubled my payment to XXXX. My payment per contract is XXXX.
No one seems to listen to me, and I do n't want my car repossessed. I am both frustrated and angry. I am JUST TRYING TO PAY MY BILL. They did n't accept my payment from XXXX XXXX when it was due on XXXX XXXX. So now this is a nightmare.
|
| 06/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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I have a loan with TOYOTA MOTOR CREDIT CORPORATION, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT CORPORATION and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and TOYOTA MOTOR CREDIT CORPORATION with no successful resolution. XXXX, XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
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| 06/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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Hi All, I have leased a Toyota with Toyota Financial Services for years. During COVID and since most dealerships were closed, I agreed to extend my lease for up to 6 months. My account information including bank account have been on file and authorized to charge monthly. For some unknown reason and without any kind of warning, they filed a credit score dispute which as a result dropped by credit by -40 pts and I was in the middle of a PPP loan application for a small business. They may have interfered with this loan as a result with a fraudulent charge, showing an inconsistent amount that I do not owe this dealership.
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| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
6. Identity Theft XXXX Account Number : XXXX This is not mine.
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| 01/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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I trade in my XXXX XXXX at XXXX XXXX on XX/XX/XXXX. They accepted my XXXX XXXX for {$12000.00}, after paying for the balance of my auto loan to my credit union The salesman convinced me to do it giving me leather seats and tinted windows free of charge. Also the monthly payment should be between {$250.00} - {$300.00} per month. The payment went from {$250.00} - {$300.00} to {$420.00} per month. A few days ago I checked the sale contract and I noticed the leather seats were included in the price of the car, {$2600.00}. I went to the dealership today, and they said they dont give gifts to customers. This is a shame!!!
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| 11/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with TOYOTA MTR. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of 90 days late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status. Otherwise, delete this account right now.
|
| 12/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
toyota is erroneously showing a charge off balance on my XXXX credit report starting onXX/XX/XXXX. This account was closed back in XXXX when I had to claim the {$8700.00} on my income tax as income written off and closed. My FICO score dropped for no reason. My current address should be listed as XXXX XXXX XXXX. I have been a homw owner at the address sincen XX/XX/XXXX. I havent lived at XXXX XXXX XXXX since XX/XX/XXXX. This needs to be corrected in experians credir report. Toyota and XXXX not be resurfacing old debts from the dead. I have leased a XXXX XXXX XXXX since XX/XX/XXXX with an excellent payment history.
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| 01/26/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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|
Web |
|
|
I was a co-signer on a loan that fell behind a few months. The auto loan was opend in XXXX and closed in XXXX. I have repeatedly ask Toyota Financial to remove the loan from my credit report as a courtesy so the late payments would not effect my credit rating. They keep reporting late payments even though the auto loan has been paid in full for almost 2 years. Just recent as XX/XX/XXXX, they reported being late 120 days past due. I have never been late 120 days nor did I open an investigation on this paid loan in recent months. They are providing derogatory information on my credit report that hurts my credit score.
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Toyota motor financial reported to my credit 30 day delinquent my score went from XXXX to XXXX. I called toyota they said the account has never been late and they did not report it as late and that the account is not delinquent. I asked why did they put it on my credit. She said her system shows they didnt, but XXXX was only 28 days and thats why it would show up delinquent. This makes no sense because 1st she says they didnt do it, there is no delinquent, then its dispute it, then oh XXXX is 28 days and thats why it was reported delinquent Please help me I went from XXXX to XXXX for NOTHING. And they wont help me
|
| 09/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
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I lost my job In XXXX of 2019 and could not make payments due to a Financial Hardship on my Toyota Financial Account.
a total of 8 payments were missed ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of the year 2019 ).
Repossession of the vehicle occurred which resulted in me paying the past due amount to regain possession of the vehicle.
I was told by a Toyota Financial Representative that if I had paid the amount in full to get the vehicle back my credit will not be affected as in Late Payments.
I can not qualify for a home loan because of negative payments and or reporting reflecting on my FICO Score.
|
| 10/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
My account shows that I have an account with late payments. I do not believe this is accurate, because my own accounting with auto pay shows I was not 30 days late. Under the Fair Debt Collection Protection Act, I have the right to request incorrect and unverified information be removed from my credit file.
Accordingly, please remove the " late payment '' immediately, because my credit is important to me and this is unfairly penalizing my credit score. I would like to maintain a good relationship with Toyota Motors Credit. So I will appreciate your cooperation in getting this fixed in a timely manner. Thank you.
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| 10/30/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Car was deemed a total lost In XXXX insurance company sent a check on XXXX XXXX which was sent to the finance company. company said that they could not process the check as a result i was given a XXXX day marker on the car. TFS states that they got check on XXXX the due date was on the XXXX they also stated that they had a return check from the insurance company which the insurance company nor I have record of.
This letter is confirming that a payment was issued to Toyota Financial Services in the amount of XXXX on XXXX/XXXX/XXXX for the date of loss XXXX/XXXX/XXXX for the total loss of the XXXX XXXX GS XXXX.
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| 08/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. As you can see date it was Last Reported was still XX/XX/XXXX in XXXX, XX/XX/XXXX in XXXX, and XX/XX/XXXX in XXXX. Date Last Active is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX repectively which make the report inaccurate and a violation. Otherwise I demand immediate deletion of this account from my credit file.
|
| 12/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
|
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XX/XX/2021 I request a payoff for a XXXX XXXXXXXX for XXXX XXXX XXXX XXXX
They gave me a list with PAY OFF STATE TAXES BATTERY FEE FL DOC STAMPS LICENSE TIRE FEE PREDELIVERY SERVICE CHARGE ELECTRONIC FILE TAG AGENCY In the end I have to pay just payoff, state taxes and doc stamps Now I am trying to payoff my XXXX with XXXX XXXX and they said that is mandatory to pay all these fees, not only payoff and state taxes PAY OFF {$24000.00} STATE TAXES {$1600.00} BATTERY FEE 0 FL DOC STAMPS 0 LICENSE {$250.00} TIRE FEE {$0.00} PREDELIVERY SERVICE CHARGE {$790.00} ELECTRONIC FILE {$230.00} TAG AGENCY {$57.00} TAG AGENCY
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| 07/30/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
We are leasing a XXXX Toyota Camry the lease is up XXXX XXXX. All of our paperwork from Toyota says that our vehicle is a 6 cylinder vehicle. We were also told that it was a 6 cylinder vehicle. We wanted to purchase the vehicle at the end of the lease and then wholesale it. We had it looked at by a mechanic and he informed us that it is in fact a 4 cylinder not a 6 cylinder. We contacted Toyota and after several phone calls they said that it was a typo but were willing to give us {$500.00} for the mistake. They are saying that that is the only difference between the XXXX cars. In fact it is closer to {$3000.00}.
|
| 12/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, TOYOTA MOTOR CREDIT add a hard inquiry on my credit report.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 03/01/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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On XX/XX/2017 XXXX XXXX added {$4.00} to my Monthly lease payment without my Knowledge, when I called them on XX/XX/XXXX when I noticed a late charge of {$9.00} on my Monthly recurring Bill payment.
XXXX XXXX Representative told me that was sales Tax added by the State and I needed to contact the state but {$4.00} will be added to my bill increasing it to {$510.00} per month verses {$510.00} which was the contracted Lease Agreement.
This is a breach of contract and I do not feel that this sales Tax increase should be passed onto the consumer, I have never seen a car lease change on a contracted agreement.
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| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In according with the XXXX XXXX XXXX XXXX account # XXXX has violated my rights.
15 US Code 1681 section 602 states I have the right to privacy.
15 US Code 1681 section 604 ( A ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 US Code 1681 ( A ) ( 2 ) ( I ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
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| 10/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I don't know the specific date or the specific amount of the transaction all I know is that there's an auto loan on my credit on my credit report they're showing under experience because XXXX and XXXX already removed it that I did not do I sent the police report on all proper documentation showing that this was fraud and they still don't want to remove it because they said that it's for documentation to prove to me to show me where it's been verified they have not been able to submit anything to me it's been over a year that I've been going back and forth with them with this issue and it's really annoying
|
| 07/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
HERE IS A LIST OF ACCOUNTS AND INQUIRES THAT IS ON MY REPORT 1.TOYOTA MOTOR CREDIT. IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 2. XXXX XXXX XXXX . IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 3.XXXX XXXX XXXX IN THE AMOUNT OF $ XXXX DATE OPENED XXXX LIST OF INQUIRES 1.XXXX XXXX 2.XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10.XXXX/XXXX XXXX XXXX 12.XXXX XXXX XXXX XXXX 13.XXXX XXXX 14.XXXX/XXXX XXXX XXXX 15.XXXX XXXX XXXX XXXX 17XXXX XXXX 18.XXXX XXXX 19.XXXX XXXX XXXX 20.XXXX 21.XXXX XXXX XXXX 22.TOYOTA MOTOR CREDIT CO XXXX XXXX XXXX XXXX
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| 05/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I called Toyota Motor Credit in XX/XX/XXXX explaining that I had my information on auto pay and as result that I did not want to lose out on payment date and receive late days.
I wanted them to be aware to work with me, as I had gone through some financial issues outside of my control and was trying to build back up so I may continue using service freely and as mentioned I am back on track with my payments. Except for late payments reported for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I expected this to occur as my information was purged and everything was set up on auto pay this is the account number XXXX
|
| 10/24/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
Leased a 2013 Toyota Camry from Toyota/XXXX Toyota XXXX for 3 years, then purchased same vehicle. I was charged a total of {$560.00} for retitle of this vehicle, it was already titled, registered and insured XXXX, but dealership insisted that it be retitled first XXXX, then again XXXX resulting in fees totaled {$280.00}, but {$560.00} was added to my new loan. I have repeated requested a refund of the overcharge of almost {$250.00}, but still want to know if it was legitimate to insist on a whole new title and tag, or could it just have been a transfer of some sort. Toyota still maintains title to the car
|
| 10/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Toyota Financial Services has NOT been reporting my payments to any of the three credit bureaus for the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020! I have bank statements and Toyota account statements confirming payments. But if you look at my XXXX, XXXX and XXXX reports they all show a BLANK for these five months?? For the past few months I've gotten a Credit Help Agency to dispute the false report. ONLY XX/XX/2020 and XX/XX/2020 have been changed and properly updated on my credit reports. PLEASE correct my 2020 payment history on my credit report with XXXX, XXXX and XXXX.
|
| 01/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On or about XX/XX/2021, I entered into a consumer credit transaction with XXXX XXXX who then illegally and fraudulently used my social security number and extended my credit to Toyota Motor Credit Corporation without my consent. During this consumer credit transaction, I was told that I would I be entering into this consumer credit transaction with XXXX XXXX XXXX and that I did not have a right to rescind this transaction under any circumstances. Attached you will find my ; Affidavit of Truth, revocation of Power of Attorney and agreement between myself the natural person and consumer between XXXX XXXX.
|
| 11/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.
TOYOTA MOTOR CREDIT account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 02/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
|
Toyota motor credit orp. Keepsreneging on an earlier settlement with the CFPB, and states my account was in cghharge off/collections, espite the fact that the account was paid and closed.toyota hadrefusedtomprocess my report to the gap coverage that I had earlier paid for ; it thereafter agreed tht I was entitled to gapcoverage and agreed to alter its prior credit report that the account had been charged off and in collection status.
As of this writing, the report on XXXX says the account has been charged off and in collection status. These actions are vindictive, wrongful and have impairedny credit.
|
| 04/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I checked my credit and saw a balance remaining for a used XXXX that I voluntarily returned to the dealership due to a defective charging port. The dealership repaired the vehicle and sold it which should have covered the remaining balance. I am homeless and have been XXXX for the last 9 months. I was just XXXX and I can not get approved for any second chance apartments due to this debt. I am below poverty line and will never be able to afford to the pay the balance reported of {$32000.00}. I have been unable to secure employment due to society not giving individuals with a XXXX background a chance.
|
| 10/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX shows 30 days late payments on XX/XX/XXXX, XXXX & XX/XX/XXXX while XXXX & XXXX shows 30 days late payments on XXXX, XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 09/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I had a XXXX credit score and the only loans I had were federal student loans which I have been paying on time without any deferment. I went to finance a car from XXXX XXXX, XXXX XXXX Nj and they ran my credit report to approve my financing for the vehicle. They out XXXX hard inquiries on my credit report without my authorization while i have the documented proof that I only allowed them once to run my credit report. They ran it XXXX without authorization and put XXXX hard inquiries on it which led my credit to drop from XXXX to XXXX within a month, first from XXXX to XXXX and then from XXXX to XXXX.
|
| 11/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased my vehicle on XX/XX/2021 at XXXX XXXX in XXXX, WI. And when they were filling out the papers, they told me that they included many things in the warranty that were free and I told them that I didn't want them, that I only wanted the XXXX in case of an accident, but they continued and included things that I didn't want. XXXX weeks later I went to have them removed and they did not agree and I also called XXXX and they told me that even if I removed them the payment would remain the same. I considered it to be a scam. But until I saw about this lawsuit I thought that no one could help me.
|
| 02/27/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX has contacted me two times, once in XX/XX/2022 and today again. Both times, this company has threated to sue me for breach of contract for a 20+ year old vehicle contract with Toyota Motor Company . They call me and tell me I am about to be served with papers and that I am named as the Defendant in a lawsuit that is being brought against me. This more than 20 year old debt is considered time barred. I have mailed a cease and decist letter but they still continue to harrass me despite me explaining to them that I know my rights.
|
| 04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XX/XX/2018 TOYOTA MTR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 12/27/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Servicemember |
|
I was in a total loss accident in XX/XX/2018. After the process, and insurance settlement with Toyota Financial Services, they are stating, after community sting to my wife and I otherwise, that we owe an extra {$3800.00}. This amount is reflective of the insurance payout after the initial estimate. We were told by Toyota Financial Services that we did not have to pay that money to them as we had Gap coverage and it was settled. After GAP processed its part, Toyota Financial Services have us 20 days to pay the full amount requested. I believe this to be in violation of the fair debt collection act.
|
| 05/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Lease w as opened fraudulently using my personal information. Reporting inaccurate information to credit reporting agencies. I have advised Toyota Motor Credit that a lease that is showing up on my credit report is fraudulent and does not belong to me. There is a long track record of me notifying them that this is not my account. I have advised the credit bureaus directly as well as the lease company. There have been multiple FCRA and FDCPA violations both in part of the creditor and the credit bureau. My letters to the creditor have been ignored and no attempt at resolution has been made by them.
|
| 07/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I am writing in the hopes you can help me resolve an issue I have. I have an account with XXXX XXXX. This account was set on autopay in XX/XX/2023 unknown to me the autopay had a security issue which I was only made aware of in XX/XX/2023 at that time I got the account bought current and got the issue cleared up so no other issues would occur. Since this wasn't a matter of me just not paying only me not being aware of the issue at hand I am hoping you can assist me in getting my credit updated to not report any data beginning XXXX XXXX XX/XX/2023 or to show payments made on time due to this issue.
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Toyota Finance Services went back to my credit report which was showing " Current '' on my on-time payment and change it to " Late '' payment, which is not true, I paid on time and they even reported " Current '' previously. I don't understand what made them ruin my credit for no reason.
I am a XXXX in the middle of leaving my duty station ( XXXX XXXX ). I am looking for an apartment in the next 2 weeks, Now I am stuck since they ruin my credit. I don't know what to do, it's causing me stress and XXXX.
I call them to try to resolve it but they said they can't do anything until I file a complain.
|
| 11/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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I would like all the auto inquires removed from all 3 credit reports< of course I didn't know that they shop your info out to other places without you knowing unless you have been through this before at some point in your life. Long story short I have way too many inquires on my file and they are mainly due to other companies handing out my information that I was unaware of t the time.
The new me cares about my credit score and report and I take it very seriously. This is hurting my score and stopping me from getting access to a lot of things. Please fix this issue or have them fix it.
Thank You
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I got these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies.
1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
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| 05/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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There are inquires on my report that I do not recognize.
I was alerted today four times back to back that someone had ran my credit, which lead me tp review my entire report. all of my car loans are through my credit union!
XXXX /XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) ITS ON MY CREDIT TWICE AT A DIFFERENT DATE. I ONLY RAN MY CREDIT ONCE AND I WAS APPROVE ALREADY.
also XXXX ( THAT IS IN COLLECTION ) STATED THAT THEY WOULD REMOVE THIS ONCE I PAID IT IN FULL AND NEVER DID.
PLEASE HELP, IM TIRED OF THIS.
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| 11/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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Toyota Motor Credit have reported multiple late payments on my credit report for 3 different account that I have with them. I have attached a letter to this complaint, naming the accounts, account numbers, and the law that states that Toyota Motor Credit can not report late payments to my credit report. THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( TOYOTA MOTOR CREDIT ) Making the report is NOT INCLUEDED on my Consumer report! Please review again my letter that is attached. Violation of the law will result in a lawsuit, seeking damages of {$1000.00}.
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| 09/29/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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Last month i spent countless hours with Toyota Financial representatives over the phone, and I was assure that everything would be done and corrected in regards to those late payments. Then, I was shocked when I reviewed my credit report today and found late payment on the dates below which they had mentioned that it would be taken care of and updated with the credit bureaus.
XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
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| 02/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX TOYOTA MTR XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 11/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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In XX/XX/XXXX orXX/XX/XXXX my car was repossessed. In order to obtain my car, I had to pay all the late fees and bring my account current. Now I am finally able to come to my last payment and Toyota has added {$1500.00} in late fees. After I had my car repossessed, I never missed any payments. I feel that Toyota is attempting to recover late fees that have already been collected. Each time that I would call, they would tell me that there was no late fees and not to worry as they would drop at the end of the loan. This is my first car purchase and I feel they are trying to take advantage of me.
|
| 11/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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Web |
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What is the reason Auto Loan provider do not have to provide Amortization schedule? Having Amortization schedule available online and also every payment request having the break up of Interest and principal ( just like Mortgage ) helps consumer a lot to make decision on payment towards principal and get out of debt as early as possible.
Also they do not have option on their websites to make an payment towards principal, we have to pay, which by default goes to all future payments, unless we call them to move it towards principal only or other way is via mail. So ease of use is not avalable.
|
| 11/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
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XXXX XXXX ( XXXX ) XXXX traded in my XXXX and sold me a lemon with 4 balled tires, no sensors and I took it in to XXXX XXXX ( XXXX ) XXXX who harassed me for {$300.00} for a spare key.
XXXX XXXX XXXX my landlord I watched steal the key and called XXXX. I had XXXX my car insurance tow the car back on the lot on camera and Toyota motor corporation refused to remove off my credit report.
The brakes didnt work, the car didnt drive at all. I removed my tags and called XXXX XXXX police to gain access due to the fact it was a Saturday morning and the arm would not lift for the tow truck driver.
|
| 03/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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I took out my loan in XXXX. I continuously pay more than the balance owed. instead of applying the additional money to principal they apply to future payments forcing me to pay them interest. The only option to apply to principal is difficult. I believe that this to to force me to continue to pay them interest and add to their profits. I feel this is very deceptive and abusive. I feel cheated out of hundreds of dollars. I currently am due for an XX/XX/XXXX. The full year 's worth of payment would have reduced my principal by over {$5000.00}. I continue to be charged interest on this balance.
|
| 08/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
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Web |
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Since the beginning I was getting a high interest rate ( over 18 % ), when the seller show me the monthly payment it was calculated over a 21 % instead of the 18 %, I complained about it and they were supposed to adjust it, after some papers done I was unable to get the money for the down payment and the insurance was really high and I call them to cancel the deal, but they refused and told me I should give them the down payment or it will create a bad record on my credit history, by the way I never got the car, I tried to contact them to pay a fee to cancel the deal but they refused again.
|
| 01/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I was shocked when I reviewed my credit report and found late payment on the dates below : TOYOTA MTR - XX/XX/2019 US DEPT OF ED/XXXX - ONE REPORTS THE ACCOUNT THAT IT IS LATE FOR 180 DAYS YET THERE IS NO LATE REMARKS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 08/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I asked Toyota Financial Services for refunds on prepaid services on my XXXX XXXX XXXX. The Dent Care and Tire Care features were prepaid to them when I purchased the truck. The company said that if in the future I wanted to cancel these features I could and the refundable monies Would Be applied to the principal of my loan. I asked for these two to be canceled and Toyota Financial applied them to my payments cancelling my automatic payment cycle and placing me into late payments status damaging my credit. I called XXXX XXXX at XXXX XXXX who claimed I was ok and everything was good. Not so!
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| 12/02/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
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- Problem with customer service
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Web |
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My Toyota XXXX was totaled in XX/XX/2022. I contacted Toyota financial about my dent and ding policy to cancel it and I was told I had to go to the dealership. I dont live in the same city as the dealership so I attempted to call but there was no way to get a live person on the phone. I then sent an email to the CEO of the company and was contacted by his executive assistant a month later. She stated that Toyota financial wanted a signed letter with some requested information and it could only come from me. I sent them a fax on XX/XX/XXXX. I have yet to hear from them or receive my refund.
|
| 02/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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My name is XXXX XXXX. I was XXXX aware of the CFPB and DOJ 's Resolution effective XXXX/XXXX/XXXX. As a XXXX women who have purchased XXXX vehicles from XXXX since XX/XX/XXXX, I am concerned that I may have been affected the discriminination. I contact Toyota Financial Services today, and was directed to their Fair Lending Website instead of giving me information about the discriminatory pricing policies. I 've been paying $ XXXX-XXXX amount in car notes since XX/XX/XXXX, and would like for someone to assist me to make sure that I was not directly affected by this discrimination practice.
|
| 09/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
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Web |
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I spoke to a representative approximately XXXX about a relief. I missed 2 payments in 2020. I have not missed a payment since. I have a negative mark on my credit and I do not have extra funds to pay the late 2 payments. I asked Toyota motors to relief my late payments and I will continue making payments including the late payments, it was denied. I cant refinance my loan even with a fair credit score XXXX because my 120+ day delinquency. I received calls during the day and after XXXX XXXX, and on weekends wanted their payment. they sent me letters stating they will repossess my vehicle.
|
| 03/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have an auto loan from TOYOTA MTR, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MTR and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MTR with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.
|
| 01/22/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
|
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I am a XXXX XXXX employee in XXXX status due to the XXXX. Toyota Financial Services has offered help to those affected that have good standing loans/leases with them. My lease is in good standing.
To my surprise, they offered me a 60 day deferral ( moved to end of lease ), for a fee of approximately {$290.00}. I was shocked! They are not helping us, they are helping themselves to additional charges to XXXX XXXX that are vulnerable.
I have contacted 3 other financial institutions that I have business with. All agreed to defer one or two months, interest and fee free.
This is wrong.
|
| 06/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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As of XXXX XXXX l notice of a new closed account from XXXX XXXX XXXX XXXX XXXX
l notice that the account that l was trying to dispute was already closed.
And a new update was made in XXXX XXXX the account was previously closed in XXXX XXXX So, my credit points started coming down more points than l has build in a year.
All the other companies ' points are above XXXX and XXXX but XXXX is below XXXX.
l tries talking to the agency and they are repeating updating my account who reflex my points to fall below XXXX.
i have a copy of report mail out in XX/XX/2023 with proofs my statement.
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
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Web |
|
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I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.
|
| 03/20/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
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I returned a XXXX XXXX XXXX XXXX XXXX XXXX to XXXX of XXXX XXXX, California. I called XXXX XXXX XXXX when I returned the car to inquire about paying off the rest of the lease. I was told the amount I owed and received a statement in the mail as well. I made the full payment online and was told that my account would be closed. This did not happen. XXXX XXXX wrongfully deducted an additional month 's payment from my bank account on XX/XX/2018. I called a couple of times to get my money refunded and have been given the run around. I still did not receive my refund. They are crooks!
|
| 09/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I traded XXXX my car, loan # XXXX, in XX/XX/2014 for my XXXX lease, account # XXXX, the XXXX was in dealer possession therefore the reporting of a late payment for XX/XX/2014 is erroneous - this is causing my credit to drop and caused me to lose the ability to rent a home for myself and my XXXX kids. I requested this to be updated and it never did. This " contract '' is approaching 6 years and 6 months so I would request it just be removed from my credit so the past due one month doesn't continue to harm my financial position so I can provide a roof over the heads of my children.
|
| 04/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I completed paperwork for the Toyota Motor Credit settlement. I received a letter that I was turned down without an explanation. I sent an email asking for details about the determination. I received a phone call on XX/XX/2019 about the settlement. I was unable to answer the call. When I called back, I was told that I was not eligible again without any rationale and, also, told that no appeals were possible. Toyota Motor Credit is still playing games. If I am truly ineligible, provide a written statement explaining. Now, I am frustrated and feel distrustful of Toyota Motor Credit.
|
| 09/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
Purchased a car from XXXX of XXXX on XX/XX/XXXX and the finance manager stated the only way to get the loan was to buy the extended warranty but that I could cancel it the next day for a refund. Tried the next day all the way through XX/XX/XXXX - XXXX kept saying the cancellation had been processed many times and finally she gave me a number to call after 18 months and the people there stated that XXXX dealer had the money and they were the ones to issue the refund.
Called XXXX XXXX and she stated that the warranty could NOT be cancelled after lying and deceiving for 18 months!!!
|
| 04/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/XXXX, I found out there were two hard inquiries from Mazda and another from Mazda XXXX. I called Mazda XXXX in sales department. The representative informed me there was an application with my driver license for get a car. This application was from XXXX broker with phone number XXXX. I also got a call from Mazda credit department that if I attempted to buy a car and I said no and please dispute two hard inquiries to credit bureau and she said she cant do that. Apparently, someone is using my identity and license to buy a car but Mazda wasnt helping me with solving issue.
|
| 01/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX I opened an email from my bank, XXXX, that a derogatory account was on my credit report. I went to XXXX to review my credit and found a loan for over {$68000.00} with Toyota Motor Credit. I've never taken out a loan with Toyota Motor Credit nor do I currently have a vehicle with a lien against it. I contacted XXXX and Toyota Motor Credit on Tuesday, XX/XX/XXXX to dispute this information. I have yet to hear a resolution from either of them. I also contact the auto dealership ( XXXX XXXX in XXXX XXXX, AR ) where I believe my identity was used to purchase the vehicle.
|
| 06/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I LOOKED AT MY REPORT AND NOTICED FRAUDULENT ACTIVITY. THERE ARE ACCOUNTS AND INQUIRIES THAT ARE NOT MINE.
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.
|
| 11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not convinced that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on TOYOTA MOTOR CREDIT. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate.
|
| 11/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I made my payment for this account with XXXX XXXX on the XXXX of XXXX XXXX at XXXX XXXX central time I made payment of {$540.00} which i have done this before several times on this day I was told by them and also recording to get payment in by XXXX XXXX eastern time to be accounted for on time. well this particular time they mark me late, and said it did not post until the XXXX of XXXX, but acknowledge they took payment on XXXX/XXXX/XXXX and it was late but i made it before the cut of time which they said this is correct but we will not change the marker it was there on time.
|
| 03/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Toyota Motor Corp has responded stating that they are reporting accurately I have stated several laws that they have violated they have stated that I signed paperwork please provide me with the original paperwork that I signed giving the authorization to report to the bureaus also GLBA stated that I am supposed to be notified of options to withdraw from reporting y personal information please provide paperwork where you have given me the options to withdraw from reporting my info if not provided in 10 calendar days remove late payment and change to current status immediately
|
| 02/17/2016 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
I have disputed this with Toyota Motor saying account XXXX is a fraudulent account. I was told to fill out a fraudulent package and send it back to them. I did that also. I call around XXXX XXXX 2016 and spoke to XXXX in the Fraud department. He told me that they investigated the information back in XXXX and they found that the item was not fraud. I told him how did they investigated the information back in XXXX and I just turned in all my information showing that my identify was stolen at the mid of XXXX 2016. They refuse to do their due diligence in investigating my claim.
|
| 04/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act. The Account below violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 This vehicle was repossessed by TOYOTA MOTOR CREDIT in the State of CALIFONIA on or about, XX/XX/2015, and resold.
Under the laws of the State of CALIFONIA UCC 2983.2 and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to.
TOYOTA MOTOR CREDIT Account number XXXX
|
| 03/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Toyota Financial Services ( TFS ) has been attempting to draft payments for a vehicle that has been paid off/account closed for the last 3 months ( Pay off date XX/XX/2022 ). After consulting TFS, I canceled autopay, prior to payoff, and even closed my TFS online account as an attempt to resolve the continued billing on a closed account issue. Considering I have taken all available steps a consumer possibly can, I am referring this issue to XXXX, as well as the FTC and CFPB for review/resolution.
Note : A review of XXXX records will show this is a systemic issue with TFS.
|
| 12/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I bought my car XX/XX/2022 and have had problems with Toyota since. They lied plenty of times about the things the fixed on my car which led my car shut off on the freeway with me and my child in it .I have contacted toyota financial plenty of times to try to get a new vehicle and they told me it was nothing the could do about the car or loan. They have been adding extra fees to my account, sold me the car at a higher value its worth and forced me to pay XXXX $ a month on a car they refused to fix. My car has been repossessed and they are trying to charge me over XXXX XXXX
|
| 08/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
As a result of trying to apply for a vehicle loan with XXXX XXXX XXXX in Massachusetts, they ran my credit with multiple lenders without my approval as a way to get the sale by offering me a better rate than what they may have received from the accepted lender which was XXXX XXXX.
It show my credit was ran by XXXX comany XXXX times in XXXX day under XXXX minutes on all bureaus.
These are inquiries : XXXX XXXX XXXX XXXX -- -- XXXX XXXX XXXX -- -- -- -XXXX XXXX XXXX XXXX -- -- -- Toyota Motor credit co XXXX -- XXXX -- -- -- XXXX XXXX XXXX XXXX -- -XXXX XXXX XXXX XXXXXXXX
|
| 04/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Toyota financiaXXXX account XXXX had reported in my credit bureau that I was passed due 30 days for the month of XXXX when I have never been late I have always even pay more. Please help, my credit has gone down almost 50 points for their error I have so hard to maintain my credit in high score and now this happen. First they incorrectly reported my balance I had dispute that with XXXX and than they reported me delinquent for XX/XX/2021. I have reached out to them and they are being difficult to fix error they did. Please I need that completely erase from my credit report
|
| 10/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
Toyota refused to pay the excess balance in the GAAP policy that was purchased. The XXXX was totaled and Toyota stated that their GAAP insurance was not going to the full balance as the GAAP policy we purchased was deemed to cover any balance at 100 % of any default difference between the XXXX value and the balance owed on the XXXX. When we purchased the GAAP policy Toyota 's statement was this GAAP would cover 100 % of any balance owed, Toyota refused to cover the balance of {$770.00}. This was a fraudulent error by Toyota. All payments have been paid and are never late.
|
| 09/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
So I checked my XXXX credit score it dropped XXXX points now I'm trying to figure out what went wrong it says missed or late payment for auto loan I immediately call toyota financial services to inquire they tell I'm actually paid ahead on loan meaning I have paid more then agreed on contract so how can XXXX drop my score toyota financial states they didn't report anything to credit bureaus now I'm thinking I have proof I made a payment it's in my email for XX/XX/2021 this needs to be fixed immediately toyota denies any wrong doing so it's XXXX fault and needs to be fixed
|
| 06/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX of 2018, I came into XXXX Toyota in XXXX XXXX, TX to look at a vehicle for my mother XXXX XXXX and I. I had a approved loan from my lender XXXX and I had requested the salesman and finance manager that I did not want to have my credit pulled. I come to find my credit was pulled by 5 creditors including TFS. I escalated to XXXX and was advised to dispute directly with the creditor. I also have a text message that states I had advised him to make sure no credit is pulled as I am on my way to the dealership and he complied. Please see attached for the complaint to XXXX.
|
| 10/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I have factual documentation regarding a dispute I filed with Toyota Motor Credit creditor and the bureaus still do not investigate correctly to remove the Charge Off of f my credit report. I have letters from creditors that state account was paid in full closed and total loan amount paid. because they said they already investigated the issue no further action can be done.i need help to resolve this matter my credit score has dropped substantially Fromm XXXX to the 500 's due to that derogatory info. My father as well is impacted on this issue because he is a co signer.
|
| 03/11/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
I purchased my vehicle at the end of my lease. Instead of making the last payment, I called Toyota Financial and requested the buyout package. At that time, the last payment was included in the payoff amount provided by Toyota Financial and late fees were waived. My payoff was processed by Toyota Financial, yet they still submitted my final months late payment to the credit bureaus. I called Toyota and they explanation was insufficient and inaccurate. The amount they had me as late was 2 months, as they said I was late even after having received the full payoff amount.
|
| 08/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}.
|
| 12/06/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX XXXX, 2015, I submitted payment of {$14.00} in a cashier 's check # XXXX to XXXX XXXX XXXX to payoff lease vehicle. It 's been forty-four days and Toyota Financial Services has not updated my credit report to show the account has been paid in full with a XXXX balance. The account is listed under XXXX XXXX and XXXX XXXX, as co-signer. I have filed several disputes with all XXXX CRA and the company has not complied. I would greatly appreciate your assistance in this matter ; and request a full investigation into the conduct of this company for failure to report.
|
| 03/29/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
I purchased XXXX XXXX XXXX XXXX Preferred Service Agreement ) with the lease of my brand new XXXX XXXX XXXX. It is my belief that the company that runs this plan is a complete fraud and is purposely refusing to fix damage that is covered by the plan that was purchased. I have called XXXX XXXX on numerous occasions and have been given the runaround. It is my belief that this company is taking honest customer money with the intent to never pay on a claim. This product should never be sold with vehicles if it is criminal in nature. The contract is predatory in nature.
|
| 08/11/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
Toyota motor credit account # XXXX / after the lease was due i turned the car into the dealer and waited 6-7 monthfor s for a final bill never received one until it went into collection and they wanted XXXX the inspection report was never taken at the time I delivered it to the dealer.
the condition of the car was excellent other than the mileage being over and I was waiting for the bill for the mileage overage only.but {$1900.00} I said no.
its been 3 years and a few collection agents .I need to settle it and have it re moved from my credit history.CAN YOU HELP?
|
| 09/22/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I traded in my XXXX Mazda XXXX. The company I bought the new vehicle from paid off the lease. Payment was received by Mazda Financial on XX/XX/XXXX but they have not posted the payment to the accounts saying they need additional information from the dealership that was paying off the lease. I spoke with the dealership and they have faxed this information to Mazda three time and have fax receipts to prove Mazda has received them. In the meantime my lease end date was XX/XX/XXXX so Mazda is charging me additional lease payments for extending past the lease end date.
|
| 03/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Toyota Motor Credit is erroneously reporting to the three major reporting agencies - XXXX, XXXX, and XXXX that in XX/XX/2021 payment was late 30 days. No payment was given 30 days late to Toyota Motor Credit and the account is current. All documentation of account statements and billing statements show the account is current with payment history identifying all payments have been provided on time. A representative over a phone call also admitted to this. Toyota Motor Credit have failed to rectify this matter. Numerous phone calls have been placed with no success.
|
| 03/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am writing today in wish to receive your help. At the present time I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a very important role in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX and XXXX ) on XX/XX/2017 and I am writing this to have this remark retracted. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
|
| 12/21/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I recently submitted a complaint via cfpb in regards to toyota motor credit in which they responded with this long winded excuse stating that the settlement of my account never posted for 58 months due to an inadvertent clerical error. I just recieved notification that they have flagged my XXXX credit report as a charged off bad debt and not paid settlement as agreed in their letter. Toyota motorcredit is full of games and this is really getting ridiculously out of control and I feel the need to seek legal counsel if this issue does not get rectified IMMEDIATELY!
|
| 03/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
in accordance with the fair credit reporting act.the following accounts have violated my rights.
1 ) XXXX XXXX account # XXXX 2 ) toyota motor credit account # XXXX 3 ) XXXX XXXX account # XXXX 4 ) XXXX XXXX account # XXXX 15 u.s.c 1681 section 602 a. states that i have the right of privacy 15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.
15 u.s.c 166b a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any reason.
|
| 04/27/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
Servicemember |
|
I recently moved to Florida and was told by Toyota Financial services that to purchase my leased vehicle I would need to complete the transaction with a dealership. I visited XXXX XXXX in XXXX, FL and was told that I would need to pay a vehicle inspection fee of {$200.00} and a dealer fee of {$1000.00} plus tax, tags, and title in addition to whatever my lease buyout with Toyota Financial Services is. I was also told that I can not use my own financial company for the payoff. None of these fees are mentioned in my lease agreement with Toyota Financial Services.
|
| 12/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 11/16/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 10/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 09/21/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 09/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 09/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 07/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 05/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 04/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 04/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 04/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 03/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 03/24/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 03/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 02/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 02/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 01/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 01/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 01/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 01/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 12/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 11/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I am writing about my vehicle lease, for XXXX XXXX XXXX, my SSN # XXXX.
I am the owner of the vehicle and my partner co-signed the vehicle. He is part of a Bankruptcy potion and the account should not be reporting status during that time. Last month I got a notification that I got a 30day late for last months payment.
I have paid the account and have it up to date. I am asking that XXXX remove the 30day late as while this is being sorted out nothing should be reported to the credit bureaus while this is in BK status.
I can be reached at XXXX Thank you.
|
| 10/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XXXX, XXXX, XXXX of 2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy.
XXXX XXXX XXXX, reporting false information on amounts, dates, and stauts of acccount.
navient and XXXX account XXXX XXXX XXXX XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that need to be UPDATED. The XXXX ans XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected.
TOYOTA MTR XXXX Date Opened : XX/XX/2018 Balance : {$480.00}
|
| 12/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 12/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 11/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 06/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
these accounts don't belong to me. please remove accounts : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine.
2. Identity Theft XXXX Account Number : XXXX This is not mine.
3. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine.
4. Identity Theft XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
|
| 04/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 12/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 11/16/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} I've contacted the company in XX/XX/XXXX to update the late derogatory marks. Please update the 30-day late reporting due to financial hardship and payments being deferred during those times. Payments were deferred and not late.
|
| 10/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
I sent a check for the full payment Of approximately {$17000.00} on the loan by priority mail. I provided the delivery confirmation to the lender Indicating the check was delivered to them on XXXX XXXX. The lender claims they do not have the check and they require me to wait 7-10 days for the mail to arrive. The check was sent priority and arrived on XXXX XXXX. As of XXXX XXXX they continue to claim they do not have the check. This is not acceptable. They dont even read the question when you send them inquiries. They just respond with prepackaged responses.
|
| 07/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have been leasing a 2016 Toyota XXXX . I had requested 2 months of payment deferral. I was granted the deferral for the months of XXXX and XXXX 2016 . I paid the deferral fee 's of XXXX per month. I was told that the payments that were deferred would be put at the end of my lease . Currently Toyota is repo rting those month s as 30-59 days late. I have asked them to remove these credit markers and they have told me tha t they are unable to do that. And that they are reporting correctly. I have disputed this information with the credit bureau 's.
|
| 03/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : TOYOTA MOTOR CREDIT XXXXXXXX
|
| 12/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as XXXX XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 03/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have an auto loan from TOYOTA MTR, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MTR and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and TOYOTA MTR with no successful resolution. XXXX XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
|
| 09/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
When I took my vehicle for its first service in XXXX I discovered that I was overpaying for maintenance and warranty so I cancelled it to Lower my car payment because with those extra contracts it made my payment so high. Company received over {$5000.00} and instead of applying towards my payments they just reduced my terms, which doesnt benefit me at all. Im still having to make high payments and now not even have the warranty and maintenance. I feel its unethical what they did. If they received a refund check, they have to apply to towards my payments.
|
| 03/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX and XX/XX/XXXX TOYOTA MTR XXXX Late Payment XX/XX/XXXX XXXX XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 03/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I took out a loan for my new car through Toyota Financial Services. I registered for auto payments but they never deducted the payments. My car was repossessed and I had to pay through the nose to get the car back and bring the account current but it is now virtually impossible to get information about my local from XXXX. Its difficult to get anyone on the phone and when you do, they cant provide accurate information about the account. Its also impossible to set up payments on the web. Please help me. All I want to do is pay my bill on time every month.
|
| 04/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX is a misleading lying organization. I was instructed to mail a payment paying overnight to lower the balance listed on the account. Only to be told that now they have transferred the account yet again to a business partner and neither entity can access the account as I am constantly being told that I will receive a callback or to call the next day. The check I mailed was cashed by Toyota Financial Services. So now I am out of money and the balance on the account has not been lowered nor has the balance been reflected the respective credit bureaus.
|
| 02/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Toyota Motor Credit repossessed my XXXX XXXX XXXX XX/XX/XXXX with 8 payments left on the loan after entering into default. The vehicle was then sold to and now owned by XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. Toyota has reported a written off balance of {$5800.00} which is unlawful and untrue. I owe Toyota Motor Credit absolutely no monies regarding this vehicle. Toyota Motor Credit has recovered all monies owed. I have spoken with the new owner and have discussed the transaction regarding the XXXX XXXX XXXX.
|
| 06/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
I purchased a new XXXX XXXX XXXX nineteen years ago. Recently I was involved in an accident and I need the title and a lien release for a loan that was paid in it's total almost two decades ago for insurance purposes. However, when I tried to navigate the Toyota Motor Credit Corp web site and telephone call in number it did not recognized my Social Security number and zip code. There is no other option to contact them that I can find. I need to have Toyota Motor Credit Corporation to provide a lien release and title as soon as possible.
Vin # XXXX
|
| 05/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have a loan on my XXXX XXXX with Toyota Financial. I made an extra advance payment of {$3000.00}, but Toyota FRAUDULENTY took {$770.00} of that payment as interest. I called them and they agreed to apply the entire {$3000.00} towards principal. However, instead of doing that, they simply reversed my payment and reverted the amount of my loan to what it was BEFORE the {$3000.00} payment. I called 4x and STILL NOTHING. THEY ARE INCOMPETENT XXXX XXXX XXXX. THEY STOLE {$3000.00} FROM ME!
Please help as calls and online messages are completely ignored.
|
| 01/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX I requested some assistance from Toyota Financial due to medical bills that have been piling up. I went on to their website and requested a payment extension through their support center. Toyota responded to me on XX/XX/XXXX saying it had been approved and stated my next due date is on XX/XX/XXXX. I received a call being told I am XXXX days past due and I shouldn't be. I should only be XXXX days past due and I planned to make my payment on XX/XX/XXXX. The agent I spoke to was not actively listening and not validating the incorrect info.
|
| 09/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on XXXX/XXXX 2018 noted on my credit for those months.
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or an internal bank error. I was certain that the payment went through and I've spent countless hours with your representatives that they mentioned that it would be resolved since last month. I just refresh my credit report and noticed that it still there.
|
| 04/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
At least a Toyota XXXX through Toyota financial services. The vehicle was totaled by a party that unfortunately was shot and killed by police. Because the vehicle was totaled at no fault of my own the other parties insurance. Paid for the remaining of the vehicle. I inquired through XXXX, XXXX XXXX, XXXX, and Toyota on the information has been provided on my credit report. All three credit bureaus did not give me anything worth substance. Toyota never responded at all. I sent out certified letters, requesting all information and regard to this debt.
|
| 09/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I asked for a due date change, filled out the date change request and received a conformation. The date was XXXX to the XXXX made an online payment today and the online ap doubled the payment to pay the next month bill that is not due.. I called Toyota finance and the person informed me that, that is what the system does and she can NOT stop the payment or cancel the payment. Informed me to go to the bank and put a stop payment on the transaction, but of course there will be a cancellation fee and late fee!!! I believe this to UNTRUE and UNLAWFUL!!
|
| 01/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
When purchasing this car from XXXX XXXX XXXX, And financed through Mazda Financial Services, they did not disclosed to me the TILA, FDCPA, XXXX, Or any federal laws that protects consumers. After reading the laws, upon my findings, my finance charge on my contract is incorrect. My finance charge is not listed as the " sum of all charges '' according to 15 U.S. Code 1605. I also was not disclosed the right to rescind my contract according to 12 CFR 226.15. I would like to rescind my contract based on the errors, and unlawful findings of my contract.
|
| 01/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
We took our XXXX car that is covered under warranty and that we are still making payments on to XXXX XXXX XXXX because a warning light lit up on the car 's dashboard. XXXX XXXX XXXX inspected the car and told us that repairs would be {$470.00}. I said told XXXX XXXX XXXX that we were still under warranty on our vehicle. XXXX XXXX XXXX refused to honor the warranty. They also refused to allow us to leave with our car, saying they had drained all the oil from the car and that we could not take it until we agreed to let them repair it at our expense.
|
| 01/06/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I settled a charge off account for partial payments. As I have been paying near 2 years, I called and asked to settle the left over balance of {$540.00} to less own balance. Toyota collections settled for {$260.00} to {$0.00} balance on XX/XX/XXXX. I then check my credit report and they reported wrong information. I contacted equifax for dispute and after 30 days, the dispute still pending and information is not correct. Therefore the negative information should be deleted by XXXX as Toyota failed to report correct information due to their error.
|
| 01/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I cancelled my extended warranty directly from the company ( XXXX ) on XX/XX/2021. The extended warranty company informed the dealership where I purchased the vehicle and the warranty on XX/XX/2021. The next step is for the dealership to send the refund check to Mazda Financial where I am currently paying for the car and the extended warranty. It has been more than 60 days with no response from the dealership and Mazda Financial is unable to help as well. Essentially I am paying for a product that already has been refunded back on XX/XX/2021.
|
| 04/06/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have a lease with Toyota Financial - it ends in XXXX. Monthly payment is {$330.00} ... plus the car has XXXX miles less than the allowable XXXX. My husbands business closed down to due the covid-19 - its a non essential business so we have no income coming in. Trying to alleviate as many bills as possible ... ending the lease early we can then cancel the auto insurance as well would be most helpful. I contacted Toyota and they said I could end it but would have to pay fees or if I just hand in car early my credit would suffer. Can you help?
|
| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act Toyota Motor Credit Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 A cleary states in ( 2 ) Exclusions the term " consumer report '' DOES NOT INCLUDE - 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 01/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I purchased my XXXX Toyota XXXX the loan was financed by Toyota Motor Credit they have predatory lending practices. My loan was financed at 12 % for 8 years. The interest was ridiculously high. Finally I had to sell my car on XXXX XXXX for XXXX dollars but I still owed them XXXX dollars. I bought my car XX/XX/2014 for XXXX dollars ended up paying XXXX plus in interest to end up with no car and very little money to show for it. I do hope you can help me in this matter. Toyota Motor Credit should be stopped from taking advantage of consumers.
|
| 05/28/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX XXXX is calling me from the number XXXX with pre recorded message multiple times per day and multiple days per week, basically daily. They are saying I have a late payment on my lease, which I do not. I have called them multiple times to clear this up. Examples of multiple calls are XX/XX/19 at XXXX and XXXX EST. XX/XX/19 at XXXX. XX/XX/19 at XXXX and XXXX. XX/XX/19 at XXXX and XXXX. They called many times per day and times per week over the last several months and I have repeatedly asked them to stop. This is a new number calling.
|
| 10/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
I went to Toyota, XX/XX/2021. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I bought an new Toyota car. My credit score was XXXX. But the Financial Services XXXX XXXX XXXX, lied to me, He told me he would give me a good yearly rate and 7yearXXXX mileage vehicle service agreement free but went I sign the documentation my and my husband not good English to read the document so we just trust XXXX XXXX now yearly rate 6.15 % .vehicle service agreement purchase price {$4600.00} i with my friend go there 2 times to talk to XXXX and still no result
|
| 11/13/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. TOYOTA MTR XXXX.
|
| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I received a letter on XX/XX/23 stating I had a right to cure default payments and that the last date of payment was XXXX/XXXX/23 for my friends co-signed vehicle. He made his payments on time which reflects in the screenshots and shows he has not past due payments but my credit score dropped XXXX points from this. I would like it resolved and fixed if possible, I personally just paid off my car and would like to reap the benefits of an accurate credit report, especially because my boyfriend and I are trying to buy a house in a few years.
|
| 11/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
I have a loan with XXXX XXXX XXXX XXXX Balance XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
|
| 07/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Toyota Motor Credit has updated an old loan account as Charged-Off in the amount of {$14000.00} when this account was included and Discharged in Bankruptcy. I disputed this on XXXX, and it was verified by Toyota, and they will not update it accordingly. Marking my account as charged-off is a violation of the Bankruptcy Proceeding. I filed for bankruptcy on XX/XX/XXXX and was discharged XX/XX/XXXX when Toyota took it out of Included in Bankruptcy and marked it Charged-Off. Attached are reporting before bankruptcy and now the most recent.
|
| 02/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Toyota financial service reporting a balance and a payment on my credit report. I filed a dispute XX/XX/XXXX and they sent a letter stating dispute is resolved. My credit report today XX/XX/XXXX still shows balance due of {$4700.00}. And a payment owed of {$510.00}. The error occurred when I first leased my vehicle - Toyota opened two lease accounts in error. This needs to be corrected as it is still on my credit report. There is a note stating DISPUTE RESOVED. My credit report should not show I owe anything. This lease is paid in full.
|
| 03/02/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
Went to purchase a vehicle at a XXXX dealership. I was approved for a lease with Toyota, and left with the vehicle. The next day I received a call that stated they were not able to secure the loan with Toyota as there had been a negative outcome to my last loan with Toyota. I was told that if you ever default on a loan with Toyota they will NEVER finance you again. To me this is a classic example of overt discrimination, as the default was in 2010. I have a reestablished credit history, to show that I am in a better financial situation.
|
| 09/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have inquiries on my report from XXXX XX/XX/2021 & XX/XX/2021 ( XXXX ), Toyota Motor Credit XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XX/XX/2021 ( XXXX ) , XXXX XXXX XXXX XX/XX/2021 ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ( XXXX ) , XXXX XXXX XX/XX/2021 ( XXXX ) and XXXX XXXX XX/XX/2021 ( XXXX ) all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately
|
| 11/12/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Toyota Financial reported my lease over XXXX days late asserting they did not receive a payment on XX/XX/XXXX, when it was approved and received by them in XX/XX/XXXX. My XXXX payment due on XX/XX/XXXX and was behind only XXXX days late due to a bank issue. No payment was at any time over XXXX days late impacting my credit immensely by reporting it incorrectly. It should not have been reported whatsoever as the one late payment I had with them was only XXXX days late. Every payment in the last year was submitted XXXX days early.
|
| 12/23/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I sold my car to XXXX XXXX on XXXX XXXX. On XXXX XXXX, 2015 I visited the dealership again because Toyota Financial confirmed the car loan was still active. After arriving at the XXXX Dealership I spoke with XXXX XXXX, who assured me the dealership already had the title and Toyota Financial just takes a while processing the paperwork.On XXXX XXXX, 2015 I spoke with Toyota Financial again stating the account is still open, car title has n't been released and There 's an error on my account " Corporate customer advises not authorized "
|
| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Im filing this complaint due to Toyota Motor Credit Corp, XXXX, XXXX and XXXX failure to refrain from reporting information pertaining to my Toyota Motor Credit Corp account. I demand they immediately delete the late payment verbiage from my consumer reports. I never authorized transactional history nor experiences to be reported. I am in severe financial distress and can not obtain access to capital because of this unauthorized reporting. I have been denied credit on every application I submitted because of these reporting tactics.
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
There are 2 accounts from 2 different Toyota loans that have been paid in full payments were made on weekends and company systems did not reflect the weekend date which is unfair to me as a consumer when paying before the 30-60 day mark they have reported XX/XX/2016 on both my report and my husbands report late 60 days under this account XXXX XXXX and also are reporting 2 30 day late payments on the newer loan this is severely hindering us to refinance due to covid I am asking they please remove all late payments both loans are XXXX
|
| 03/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XX/XX/XXXX TOYOTA MTR XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 03/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I financed a vehicle through Toyota Financial. I was always on on time with my payments. I lost my job and had to file Bankruptcy. Toyota did n't take my payment. Before the Bankruptcy I tried to get a deferment but they said no.
I got another job and decided to drop the Bankruptcy and pay my creditors. I have been making my payments every month with Toyota and paying on the past due month that I owed. Toyota is reporting me 30 days late every month when I am not 30 days late. I have bank Statements showing my payments every month
|
| 01/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/2021 I entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX A consumer credit transaction in which a finance charge was involved. Pursuant to 15 USC 1605, a finance charge is the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but they took my cash anyway. The finance charge is suppose to include insurance but I was made to purchase that separately along with the service warranty and other premiums allotted to me by my Federally Protected Consumer Rights.
|
| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated.
XXXX XXXX XXXX XXXX
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a charge off with Toyota Financial for {$150.00} and XXXX with XXXX XXXX for {$950.00} across all three credit bureaus. This car was declared as flooded and totaled by my insurance company and fully paid of for over XXXX XXXX I was only responsible for XXXX XXXX of the leased amount. I have reached out many times to ask these XXXX companies why this is a charge off on my credit report I never received a 1099C to claim this on my tax. Can you please help to get removed I exhausted all my other options already with no help.
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| 12/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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Account : TOYOTA MTR Account # : XXXX Dates Associated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX When I called a representative kindly agreed to have these late payments removed from my account now that it has been paid in full and I have since been on time with all recent payments.
This adverse information has been incorrectly added on my credit report.
Please reinvestigate this matter and remove the negative payment history from my credit history.
Thank you for your assistance.
|
| 08/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts information below : TOYOTA MOTOR CREDIT XXXX and XXXX XXXX XXXX XXXX
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| 04/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Basically I call Toyota to ask them if I am qualify for move 2 upcoming payment to the end of the loan because I am going to vacation in XXXX, the representative that I spoke to said that I am qualified for that term to move my payment to the end so I agree to do that but somehow its wasnt done properly I show late payment so as soon I returned from my vacation I am trying to fixed the problem by calling Toyota and see what when wrong so Toyota found the receord call and will be able to move my 2 payment to the end of the loan.
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| 10/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
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This account is already PAID. I am seeing repetitive 30-day late marks which is a clear violation of the FCRA and it is severely affecting my scores.
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
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| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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THERE are TWO finacial contracts on the same vehicle with the same vn number make and model different prices under my name although I only executed on one and I am paying for both. The infromation is attached.
The Car has been vandalized and broken in to severla times while in XXXX I feel as a result I am requesting the Mazda removes the car information from my credit report immediately and I am seeking arbitration for financial remedy and that the car is no longer being reported as financial responsibility because of fraud
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| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
|
Toyota Motor Credit has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Accounts in violation : XXXX, XXXX 15 USC 1666B states a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.
Accounts violation : XXXX Please remove these accounts and late payments off your credit and consumer reports.
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| 05/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I shesule my payments and they constantly call. When they call they immediately hang up. I received a call today and got the XXXX answer of of now I see you scheduled your payment today. This is harassment to the extreme. Multiple calls daily and they hang up every time I answer. This needs to stop or I will take them to court and sue for more than the car is worth. Its ridiculous. Im clearly not avoiding them and doing my best to make the payments on time and get caught up but I know my rights and again this is harassment.
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| 05/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, this account has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer plan as late for any purpose.
I request that the late payments associated with this account be removed or the closed account be removed entirely.
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| 04/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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|
Web |
|
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I previously disputed a Toyota Motor Credit charge off account. The account was resolved/updated with the major credit bureaus. Yet Toyota Motor credit refuses to remove the dispute comments that they have placed on the comments/remarks section of the account with the bureaus. I have made multiple phone calls and sent letters stating I was no longer disputing the account and I did n't object to their findings. Only after the refusal of speaking with a supervisor, being hung up on and laughed at I have to file this complaint.
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| 09/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
|
While in the car dealership purchasing a new vehicle, the salesperson brought a loan amount significantly cheaper than the amount of money financed on my paperwork. Before signing the paperwork, I made the salesperson and the finance department aware of the mistake in amount of money financed but the higher amount is still on my sales contract after they assured me that this was not the amount I was borrowing and repaying. I received a terrible interest rate and will be paying more than {$16000.00} in interest on this loan.
|
| 10/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
I have the bank statements to show the dates paid and will make these statements available upon request.
Toyota Financial claimed the following late payments on my credit reports.
A. XX/XX/XXXX late.
1. Bank statement paid XX/XX/XXXX.
B. XX/XX/XXXX late.
1. Bank statement paid XX/XX/XXXX.
C. XX/XX/XXXX late.
1. Bank statement paid XX/XX/XXXX.
D. XX/XX/XXXX late.
1. Bank statement paid XX/XX/XXXX.
I traded the vehicle on XX/XX/XXXX but, Toyota Financial continued claiming late payment well past XX/XX/XXXX.
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| 05/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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On XX/XX/XXXX, I called XXXX XXXX to make a good faith payment and enroll in payment relief due to being affected by COVID-19. I made a {$1000.00} payment and successfully enrolled in the Relief program. My account was brought from past due to current status. The customer representative confirmed that I would not have negative reporting due to the pandemic and my current payment. Three days later on XX/XX/XXXX, delinquent payments were reported to credit bureaus despite successfully enrolling the payment relief program.
|
| 11/21/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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Amount {$670.00} XXXX XXXX debt ( XXXX ) is trying to have me pay the amount not owed by me.
I returned the XXXX XXXX XXXX after lease expiry in XX/XX/XXXX to XXXX XXXX, CA and took a new lease from same dealer XXXX XXXX and got a new XXXX XXXX and the excess miles etc was settleed during this and into my monthly payments for this car. XXXX XXXX confirmed this and the XXXX is denying this and threatening me to pay this amount again.
Please investigate as i already paid this to XXXX XXXX and was settled in XXXX XXXX.
|
| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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some one in XXXX Kansas open 2 auto loans and they appear on my credit report, one was made on XX/XX/2020 and the second one was on XX/XX/2020 same dealer ship XXXX 's XXXX of XXXX, Kansas Phone XXXX, I also did disputes on XXXX XXXX, XXXX and XXXX but they respond that the account is legit, I also did a police report, and the respond me that they investigated that person, and what they came out was that Social security gave that person the same number as mine we have almost the same name but one last name different.
|
| 09/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
The late on my credit from XX/XX/2020 is an error! Toyota accidentally charged me a {$10.00} fee, marked me late, Repossessed the car, returned the car, and told me they would fix it! They are lucky I'm not suing them for damages! The 30 day late never happened and I suffered tremendously from it! Please help me remove it from my credit so that I can obtain a small level of Justice for this horrific event! What if a child was near when they repoed my car! What if my neighbor didn't believe me! The social harm alone!
|
| 09/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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|
Web |
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I was shocked when I reviewed my credit report and found late payment on the dates below, and even though I had talked to representatives last month when the errors occurred. The rep of Toyota told me last month that they will remove the late mark on my credit due to internal errors and only to find out that this month they applied the payment wrong again.
LATE MARK ON : XX/XX/XXXX & XX/XX/2018.
I am not sure how this happened, I believe that I had made my payments correctly to you when I received my statements.
|
| 04/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I purchased a lemon car through XXXX XXXX & attempted to trade it in due to the fact everytime I drove it rattled. Toyota of XXXX stole that car through lying & undervalued it stating it had undisclosed frame damage. Then I was stuck with an upside down car. Toyota Financial refused to change the car payments to match my pay dates then repod the car claiming I never contacted them & gave false amount of time I was behind. Gave me 30 days to come up XXXX then under sold that car & are trying to collect on like XXXX.
|
| 12/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Voluntary repossession
|
|
Web |
|
|
I have a charged off account on my credit for {$32.00}, XXXX from XXXXMAZDA FIN SVC. Account number : XXXX. I was told the vehicle was never recovered which is why it's showing as a reposession. I was never in possession of the vehicle and was unaware the vehicle monthly payment had never been received. The vehicle has always been with XXXX XXXX, the second joint owner. The vehicle can be recovered and I want to know how that all affect the balance owed. or how can I be removed from full financial responsibility.
|
| 06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have these accounts that does not belong to me and i want them to be remove from my credit report asap.
1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine.
2. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
|
| 08/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I apologize for the delay in my payment.i was laid off from my job and the financial stress had caused me to fall behind on my payment.as your records indicate I have been an excellent customer with a good payment history until the economy took a dive.i enjoy being a loyal customer of Toyota motor credit corporation an I would greatly appreciate it if you would give me another chance by deleting the 30 day late payment mark on XX/XX/2019 on my XXXX credit report.thank you for taking the time to read this letter.
|
| 09/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I bought a XXXX XXXX XXXX I have had the car for 3 yearsI have 2 more years or so to pay off this car. I feel I was over charged and I have had numerous issues with the car. Changed brakes 2 times, power steering pump went out and more. I bought this car thinking I was getting a reliable vehicle and that just using isnt the case. I think they saw me a sucker and sold this car to me. I feel they need to come down on this price as they sold me a piece of crap. If you can help me out that would be great.
Thank you
|
| 08/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by Toyota Motor Credit Corporation. This account has reached its statutes of limitations because it is over XXXX years old. The contract date of this account is dated back to XX/XX/2016. I want this account removed off all three credit reporting agencies XXXX, XXXX, and XXXX immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of credit.
|
| 01/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Toyota financial services did not conduct a legal contract. The sum of all charges were not disclosed in the credit application on the finance behalf. Also the finance team approve me illegally without my permission conducting fraudulent information to bank for approval. This wasn't a consumer credit transaction 15 usc code 1605. There I'm taking legal action in retaining my down payment of {$7000.00} dollars and a additional {$1000.00} for every illegal transaction that was committed on this credit application.
|
| 11/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I buy a brand new 2023 toyota XXXX last year, and they insisted in adding extras extended warrantys, and windshild protection, and wheels protection. I say no to all of this but they insisted and toll me i would be able to cancel thme at any time, so when i try to cancel they said to wait longer until the process became solid, so i call back im about 2 months and still insisted in keeping this warrantys, so i like to get help on this situation because i feel like they abuse, for me to be a new and first buyer
|
| 02/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
So, my husband and I have two vehicle loans through Toyota Financial and one of the loans was being reported as late for XXXX and XX/XX/2021 when they payments were never late. Proof was not only sent to Toyota Financial but all three of the credit bureaus by the way of bank statements showing dates payments were made. Our credit was destroyed by what happened. Toyota is refusing to correct the error with the bureaus and get our scores corrected. We were stopped from buying a house because of what Toyota did.
|
| 02/22/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Please see the attachments, the miscellaneous charges should be gone. The taxes and everything have been paid and refunded and even cashed by you guys. Please update it as I plan to trade it my car soon! I have been told 5 times now that this has been handled but yet I see no {$0.00} balance on the Misc charges. Please handle this. This is for Account # XXXX.
VA Dept of Taxation has taken care of the overages charged and my misc charges balance should be {$0.00}.
I am getting no response at all about this.
|
| 02/18/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Our lease is ending with XXXX XXXX and we decided to purchase the car. I went into XXXX XXXX to find out what I needed to do to purchase the car. After I found out XXXX wanted {$1000.00} processing fee to do the paperwork. I refused and said will go to XXXX.
Without my authorization they ran my credit 3 times on XXXX/XXXX/2022, XXXX/XXXX/2022, and XXXX/XXXX/2022. I am currently contracted with XXXX who sends me alerts.
I have verification that XXXX XXXX ran my credit report on XXXX, XXXX, and XXXX XXXX.
|
| 09/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I contacted Mazda Financial Services on XX/XX/XXXX regarding auto loan payoff. I was told to overnight the funds and the payoff would post within 3 business days. The payment was received on XX/XX/XXXX. As of today ( XXXX ), the payoff has not been applied and Mazda can not tell me when it may be applied. Mazda will not take the payoff over the phone and told me they will get it it when they get to it. I am paying off the loan to sell the car and Mazda seems unable to process this payoff in a timely manner.
|
| 08/10/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had a repo on XXXX XXXX the vehicle was sold recently but Im being charged for the prior interest rate on the vehicle which I dont think Im responsible for. I only had the automobile for 4 months. How could I be responsible for interest ket alone they took the money for all the warranties I had and charged me for XXXX fees. I dont believe I owe them anything. I put down about {$15000.00} dollars with the transfer of my prior warranty and {$3000.00} cash on a XXXX vehicle. It just doesnt seem right to me.
|
| 01/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I have contacted Toyota financial services about removing extended warranty on my new car loan. They ask that I sent a letter to remove the items, I did and called back a month later and they said they never received it. I then asked if I could fax the letter and I did they agreed they would remove it from loan within 5 days. It has now been another 2 weeks and the amount has not been removed from my loan. They are attempt to stall to get to 90 days and I am fed up. Each call was 1 to 3 hours on the phone.
|
| 09/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I filed for bankruptcy in XX/XX/19 I exempted by car loan and have made regular payments. Toyota Financial Services has cashed by checks and admits that the payments have been made. However, it reported to the credit bureaus that the loan was discharged. It was not and as the company has accepted by payments, it is illogical to state that the loan has been discharged as I have not defaulted on the loan. If I ever do, then Toyota Financial Services can report the discharge. It can not anticipate a default.
|
| 09/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
TFS agreed to remove inaccurate 60d late credit mark from my credit report. I'm a first time home buyer and notified TFS that I need them to remove inaccurate 60d late credit mark from my credit report as soon as possible in order to get better mortgage rate. I have pulled my XXXX credit report today, on XX/XX/2018 and inaccurate 60d late credit mark is still on my report. I have already purchased my first house onXX/XX/06/2018 and this inaccurate 60d late credit mark negatively affected my mortgage rate.
|
| 12/12/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
|
| 04/30/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
15 U.s code $ 1666b law this creditor has violated my rights..
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) 16 u.s.c. 1681 section 60s a right of privacy Gives consumers the right to ensure that the information on their credit reports is not only correct but private.
|
| 04/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I sold my truck to a dealership and the dealership paid my lender, Toyota Financial, in full. Toyota Financial sent the release of lien to the dealership weeks ago. Toyota continues to report the vehicle to my credit report. I sold the car in XXXX. In XXXX, Toyota report it 30 days late. Last week, at the end of XXXX, Toyota reported it 60 days late. AFTER it has already received a full payoff and released their lien. I was never late on this payment once. Attached is my proof of vehicle sale in XXXX.
|
| 05/17/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
Toyota Financial Services is Charging an excessive wear fee even though they had completed an inspection prior to lease return. The inspection report didnt include any Items that needed attention. Subsequently, the vehicle was returned. After having possession of the vehicle for more than 3 weeks they are claiming an excessive ware fee. This is a frivolous fee. I have attempted to come to a resolution on this with Toyota FS on 3 different occasions. However, they are not willing to work on this issue.
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have an auto lease with TOYOTA MOTOR LEASING. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : TOYOTA MOTOR LEASING XXXX Date opened XX/XX/2017 Balance {$7000.00}.
|
| 03/17/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I signed a quote for a 36 month lease. The finance department employee changed the lease to 39 months on the contract via the computer without telling me.
We returned to the dealership to re-do the contract to reflect the correct number of months. They assured me it was rectified. Upon calling Toyota Financial ( whom I've been a customer for 9 years ) they notified me the contract was not updated by the dealership.
Attached is the Signed contract for 36 months Current Statement reflecting 39 months
|
| 01/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XX/XX/XXXX The Toyota Motor Leasing company was removed off my Credit report and as of XX/XX/XXXX it was added back on my credit report. As they were negligent in responding back to my letter and requests. In addition, this debt is older than 5 years of the Statue of Limitations for Florida. The total amount for the Repossession was for {$24000.00}. However, this debt was removed from all of my credit reports. I would like this matter resolved immediately as this a huge impact to my personal credit.
|
| 01/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 12/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 11/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 01/23/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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|
I purchased a car about 3 years ago, with Toyota finance, I was involved in a car accident, the other Party 's insurance took cared of the pay off amount on my car, I tried purchasing another car in the same dealership, once they checked on my credit, the toll me that I have a charge off amount of {$7800.00} which is not true, I have documentation stating that I only own them {$470.00} which I 'm willing to pay if they help me by taking that charge off, off my credit because like I said its not true
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| 10/19/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I am receiving XXXX calls a day from Someone named XXXX XXXX.
The number calling is XXXXThe calls happen up until XXXX XXXX. It happens 7 days a week.
A message is never left. I have left word to leave a message or stopcalling. Have left multiple cease/desist requests to no avail. The levelof harassment in obscene. I have logged over 80 calls in a week. AndI have no idea what it is about. I only know it is Toyota from caller ID.
Have notified them that the number is blocked -- does not stop them.
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| 11/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
Toyota Financial Services is incorrectly reporting my account status as open and delinquent. I voluntarily surrendered this car in XX/XX/2015, and my last payment to them was in XX/XX/2015. This is confirmed by the attached.
I dont own them anything ; and further, the credit agreement was governed by the State of New York and the statue of limitations for this was 6 years in New York XXXX so this is too old to be on my report. Its having a negative financial impact on my ability to obtain a loan.
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| 12/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
|
On XXXX of 2020, I checked my credit score to gage the health of my credit when I found that an auto lease was placed under my name. I did some research and seeing that the companies name is XXXX XXXX XXXX. I found out that it belongs to a family member with a similar last name as me. I reached out to both the family member and the Toyota Financial Services in XXXX to rectify this issue but it has not been removed from my credit profile. Please help me in solving this issue. Thank you in advance!
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| 04/27/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX XXXX XXXX was a collection removed from my credit report ( XXXX, XXXX, XXXX ) on XX/XX/2021. This debt was deemed inaccurate all credit bureaus and XXXX XXXX XXXX we involved in the investigation when this collection was disputed from my credit reports and just recently it has now been replaced or reported back on my credit reports with no explanation or reason why it should be reported. This is inaccurate and has already been removed before and is against my fair consumer credit rights.
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| 12/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American, Servicemember |
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Other at fault driver hit my two week old car. I traded in damaged car. Accepted fact of damage from dealer my loss $ XXXX. I sent at fault ins company proof of loss. The dealer conspired with the insurance company and stated No damage was deducted from trade in damaged car. ( see letter from XXXX ) The insurance company refused to pay my actual loss as a result of the information supplied by the dealer..I consider this a conspericy to defraud me from my actual economic loss from the accident.
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| 01/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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On my credit reports there is a closed account with huge amount of missed payments. TOYOTA MOTOR LEASING Opened XXXX. XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA TOYOTA MOTOR LEASING has violated my rights as a consumer and I requesting legal action to remove this account immediately.
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| 10/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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|
Web |
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I purchased a new XXXX XXXX at XXXX XXXX XXXX on XXXX XXXX, 2018, they sold the car to me at 4.59 % interest rate with my tier one credit. I was never offered the 0 % that they had at the time.
What I was offered was 1 ) Don't take the rebate of {$1500.00} and get 2.99 %.
2 ) Take the rebate and pay 4.59 %.
3 ) 0 % was never offered to me.
Total price - {$24000.00} less {$10.00} ( cash down ) = Loan amount {$14000.00} at 4.59 % Date of Purchase - XX/XX/2018 Tier one credit - Score XXXX
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| 03/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
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I filed a complaint on Toyota Motor for reporting inaccurate payment information on my credit and dropping my scores tremendously and defaming my character. They answered untruly and I am not able to log in to provide proof from my bank showing that I was not 30, 60, 90 or 120 days late on my payments nor did any of my checks get returned unpaid.
Toyota removed 3 of the late payments but reported them as unknown. I made my payments and they need to report it. Please help me with this matter
|
| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
|
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I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 07/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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Hi there, Ive bought a XXXX XXXX XXXXrom XXXX XXXX XXXX in XXXX XXXX, CA.
At the time of the purchase the sales person told me that I had to purchase a digital license plate and a protection coat from the car paint which they added to this car ( not true ) If I didnt comply with such a demand I would get a higher interest rate ( they gave me 9 % ) and would be more without adding those 2 extras services to the loan.
Im very frustrated because I got ripped off so badly by this dealership.
|
| 12/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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I am having trouble deleting TOYOTA MOTOR CREDIT tradeline from my consumer credit report. I have asked the credit reporting agencies on several occasions to delete the account, or UPDATE the account as I have pointed out all the VIOLATIONS they are reporting, XXXX has deleted the account but XXXX AND XXXX are still reporting this account. not only are they not abiding by regulation V to establish and implement reasonable procedures regarding the accuracy on my credit report XXXX XXXX XXXX
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| 09/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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|
Web |
|
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Per my contract as the debtor I will be asserting my rights as the debtor XXXX XXXX XXXX violated 12 CFR Part 1026 - Truth in Lending ( Regulation Z ) 3-415. OBLIGATION OF INDORSER.
16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
1.15 U.S. Code 1692e.False or misleading representations 2.15 U.S. Code 1635 - Right of rescission as to certain transactions 3.15 U.S. Code 1605 - Determination of finance charge 4.15 U.S. Code 1692c ( a )
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| 05/08/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
|
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Company is attempting to charge a {$1100.00} tax fee on a vehicle used for personal use. The company mailed documents ( affidavit ) to the wrong address even after, i called and emailed them on numerous occasions requesting that they update the mailing and billing addresses. Now they have assessed this large fee to the account and state that it could take them up to 6 months to remove. I can not wait this long. They acknowledge receipt of the document and still refuse to remove the charge.
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| 11/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
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I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 08/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
|
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I am filing this grievance as I completed the terms to my lease with the purchase of a new Toyota vehicle, with all payments made on time. Im frustrated at the fact I am being held hostage to a missed payment for XX/XX/2021 when I did not have possession of the vehicle at that time as it was turned in XX/XX/2021. Due to erroneous reporting to the bureaus the payment history needs to be corrected poste haste to restore the perfect payment history on this loan.
Thank you, XXXX XXXX XXXX
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| 02/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
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I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
In accordance with the fair credit reporting act, 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with out my written consent. 15 USC 1666B : States a creditor may not treat a payment on account under an open end consumer credit plan as late for purpose. XXXX XXXX XXXX has shown late payments on my account for XXXX and XXXX of XXXX, as well as XXXX and XXXX of XXXX
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| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act MAZDA FINANCIAL SERV has violated my rights in XX/XX/XXXX and XX/XX/XXXX marking 2 late payments.
15 USC 1681 Section 602 States I have a right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 03/17/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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For XX/XX/2021 Lexus Financial put my account to ( 30 days late ) status when I I contacted them asking to remove it ( via phone and mail ) and reason for it was that for that month I was in XXXX because of XXXX I also attached proof of XXXX XXXX XXXX results and response to that they wrote me that they did investigation and everything was right and correct.On that auto loan I was a co signer and bills were going to primary account holders address that I no longer had contact with.
|
| 08/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
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I have purchased a new vehicle year XXXX with Toyota,after having so much problems with the engine.i decided to give it back XXXX after 2years of paying the loan.i was fed up.The dealer where I purchased this vehicle has promised me to clearance of the loan with Toyota financial.for past three months I noticed a delinquency in my credit report.i have reached out to them many times.i have send letters debt validation letter.nothingIt’s hurting my credit bad.please help.thank you.
|
| 05/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hundreds of dollars of late fees charged by the Toyota Financial Services for my lease. These late charges started when I moved from Texas to California where theres additional tax. This extra tax amount were not informed to my family. Nor were it added to my Auto Pay setting within their system. I did not find out about this until they send an email with reports on my unpaid late fees. Customer service was dismissive when I filed this complaint. This is deceptive and predatory.
|
| 04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
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I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 03/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 03/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 06/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX in XXXX mi pulled my credit 3 times without my consent. This is not the first time that they did that to me. The finance officer requested my information to get the loan processed. I asked specificity to use my information one time only with Toyota financial and not to use it again. I received instantly three massages from XXXX that my credit was ran three times.
Never again I will give XXXX XXXX the permission to pull my credit or do any types of business with them.
|
| 09/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Good Day ...
I noticed a review/law suit has been done with Toyota relating to minorities getting a higher charge. I was told when i bought my XXXX Rav4 in 2015 from XXXX Toyota in order for them to give me a loan i also had to purchase some other packages. I am a XXXX female and went to the dealership alone. I believe they took advantage of the situation. I already purchased a toyota corolla from them in the past as well. Would my account be reviewed for this lawsuit as well?
|
| 09/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I co-sign w/ my husband for a car loan in toyota motor credit on XX/XX/XXXX. The car was sold to XXXX on XXXX XXXX, and account was closed and PAID as agreed. Toyota report my car loan INACCURATELY coz they put in status account included in Bankruptcy. This account is a Reaffirm debt that was PAID as agreed. I wrote Toyota a letter to request that they delete the inaccurate reporting but they responded they will continue to report it included in bankruptcy even it was PAID OFF.
|
| 11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have tried to contact this company on several occasions and still have not got anywhere at all. I have paid the vehicle in full and the car was never repossessed and it is reporting as such. I have sent in several letters and proof showing the loan has been paid in full and have not received a call or response from the company or the credit bureaus regarding this matter. I have sent correspondence on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021.
|
| 11/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I went in to get an oil change and they told me my XXXX XXXX XXXX XXXX had a broken rear axle and they couldnt let me live with it because Id be liable so they offered to let me buy a new car its owe me a new car the contract fell through then they made made me sign a contract and I refuse to for two months The anti-stop doesnt work Ive been in two accidents because of it they refused to fix it they refuse to talk to me it will only talk to my ex husband thats not on the loan
|
| 05/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
i sent a payment to you on the date i was supposed to send it. and the mail got lost somehow i am not sure how the mail got lost but i have proof of the money order i sent you as i am attaching it to this complaint i was i great costumer from Toyota i dont think that i deserve this 30 day late payment to ruin my credit for something that is a mail problem i spoke to one of your representatives and they told me that they would take care of it but it still shows up on my report.
|
| 07/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a satisfactory account with XXXX XXXX for over three years. There w as a total loss to the vehicle and a balance was due that I was n't aware of. I subsequently qualified for a second loan with the institution 5 months prior and was never contacted about the first being in rears. The following year I discovered it in derogatory status on my credit report and immediately paid it in full. Representatives of the institution refuse to update my credit report accurately.
|
| 03/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Auto turned in at lease end. Bill for chargeable damages received 2 months later, including {$400.00}. for " missing '' cargo cover, actually returned with car in its storage slot beneath the cargo area floor, and about {$300.00}. for paint damage which likely occurred after turn in.
Contacted dealer, Toyota Financial Services, and collection agency on several occasions to dispute charges, but they failed to contact me as promised and reported the account to credit agencies.
|
| 08/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have a loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX.
|
| 07/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : TOYOTA MTR XXXX
|
| 10/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX Credit Report Period XX/XX/XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance XXXXXX/XX/XXXX Original Balance i sent XXXX the total payoff due to the hurricane plus they have gap on all their cars now they put it back on my credit report violations of my fcra rights XXXX Limit 0 Monthly Payment 0 Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 48 Loan Type Auto Lease OpenedXX/XX/XXXX ReportedXX/XX/XXXX
|
| 05/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Credit Reporting Issue I have an account with Toyota Motor Credit that is currently CLOSED and PAID OFF. However, the account and history is only being reported to XXXX and XXXX. It is not being reported to XXXX. The account previously was reporting to XXXX. PLEASE NOTE, I AM NOT DISPUTING THIS ACCOUNT, THEREFORE A DISPUTE COMMENT SHOULD NOT BE INSERTED ON THE ACCOUNT WITH THE CREDIT REPORTING AGENCIES. Refer to Screenshot attached to this complaint for credit reporting.
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
In XX/XX/2021 I was notified by XXXX that there was a credit inquiry on my report for XXXX Toyota for financing. I did NOT give permission for this inquiry and never even visited the dealership. When I contacted the dealership and asked them why they ran my credit, they said its no big deal just call XXXX and they would remove it. XXXX stated that I should contact the CFPB and pending the results of an investigation by the agency they would determine steps for removal.
|
| 06/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have a loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX, XXXX, XXXX XXXX / XXXX XXXX.
|
| 06/20/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with TOYOTA MOTOR CREDIT CO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and TOYOTA MOTOR CREDIT CO with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
|
| 07/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have sent three letters to TOYOTA MOTOR CREDIT, requesting copies of payment history and they still have not provided any, surpassing their 60 day grace period, to be able to verify the account.Account number XXXX, Account status-Closed.Date opened XX/XX/XXXX, which in itself is beyond the Pennsylvania statute of limitations of 6 years.Please remove this account for voilation of my consumer rights.i am requesting to take legal action if this account is not removed.
|
| 01/04/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My XXXX lease with Toyota Financial Services ended, XX/XX/XXXX. I received the closing statement and paid it. Account was closed never late.
I did the annual credit check XX/XX/XXXX and found on XXXX negative comment about a balance due. The online account does not show a balance due. They never sent any communication about a balance due. In XX/XX/XXXX they placed a comment on XXXX without contacting me first. Now they are making me jump through hoops to remove it.
|
| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
My credit was ran multiple times on the same date I called Lexus and Toyota financial multiple times since XXXXFiled two cfpb complaints and corrections still not fixed. I filed paperwork for small claims court in XXXX county because I keep getting runarounds. I am pursuing XXXX lawsuit in small claims court.Court date is set for the end of XXXX gave them ample amount time to fix the issue. So I am asking for XXXX and XXXX dollars for court filing fee reimbursement.
|
| 05/11/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
We had a vehicle lease through Toyota motor credit Corp. and we were in an accident which resulted in the total loss. We never received a bill for the {$500.00} deductible and Toyota just sent it to collections. We contacted them several times and tried to resolve this with no luck. The amount was paid in full as soon as I got a letter from collections but it shouldve never got that far. Credit has been down for 2 years now because of their actions or lack there of.
|
| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX The bills made to me were not mine and no proof has been given to me as to the legitimacy of the claim I ever had anything to do with the alleged XXXX XXXX XXXX. When requested further information, refused to supply any and only urged for me to pay. When disputed, was not taken off my credit report even though no proof was given to me, as no proof exists because I never have done any business with XXXX XXXX XXXX and have never had a XXXX XXXX XXXX.
|
| 09/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Toyota Financials website advertises a {$500.00} rebate for recent college graduates and deferred payment for up to 90 days.
When I purchased my new XXXX last month, the salesman confirmed the existence of this program in the state of Colorado. However, when I finalized my loan with the finance department, the representative denied the existence of such a program. I meet all of the following criteria outlined on Toyota Financialss website : XXXX XXXX XXXXXXXXXXXX
|
| 05/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had leased a XXXX XXXX XXXX from Toyota Financial which ended up in a total loss and was paid off by my insurance. Toyota financial keeps reporting a balance owed of {$8600.00}. I notified them through phone and writing. It has been 2 months and they will not update my balance to {$0.00} even though they are verbally confirming the balance owed is {$0.00}. This is taking a negative effect on my credit score. Please update all credit bureaus balance to {$0.00}.
|
| 05/18/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I had automatic payments set up from my checking account for my car leasing with Toyota financial Institution. I changed my car on XXXX XXXX, XXXX payments were pending ( XXXX XXXX and XXXX XXXX ) but as part of the agreement, my old car was paid off. Despite this agreement, and verbal notification with Toyota financial Services XXXX weeks ago, they withdrew {$300.00} from my account yesterday.
I want my money back.
This financial institution should be punished.
|
| 09/12/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I returned the car back to the Toyota after my divorce back 2018 they sold the car a week later now they charge me for the monthly remaining balancing for the lease and storage I'm trying to do arrangement with them because they told me it won't be the problem because I made a decision to return the car by myself.
I'm not going to pay for the storage and for the remaining balances for the lease because it was not repossession by Toyota it was a voluntary return.
|
| 07/12/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
Toyota Financial needs to update their dialer before contacting customers - I was inadvertently late on a car payment due to being out of town - I immediately paid upon return and still getting calls after making an online payment - I even rechecked the website to ensure it was processed, and it 's showing up Paid and Approved as of yesterday. I just registered my number on the DONOTCALL.gov website to stop the harassing calls - this is upsetting and unnecessary.
|
| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX is reporting first date of delinquently incorrectly they keep changing the dates they would update account to correct date of first delinquency which is XX/XX/XXXX. They are now reporting the first date of delinquents is XX/XX/XXXX which is totally incorrect please correct and update my account information I have dudkyrdd this with all of the major credit beru s with no remedy Car loan account was opened XX/XX/XXXX I made my first late payment on XX/XX/XXXX
|
| 09/17/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
Leased a 2015 XXXX XXXX from XXXX, XXXX NY on XXXX XXXX 2015. We live in Vermont so Lexus dealt with all the paperwork XXXX Vermont DMV. As of today, XXXX XXXX, we do not have our license plates and Lexus have told us that they sent in the paperwork to Vermont DMV on XXXX XXXX ( why this took a month from XXXX XXXX when we leased the car is a mystery no-one seems able to unravel ). Vermont DMV hane not recorsd of wither any paperwork nor the VIN # of our Lexus.
|
| 02/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Toyota Motor Credit Corporation on multiple occasions has attempted to and did swindle money from me, theh wrongfully report false credit information on the credit Bureaus and has not let me access the online account of my second vehicle. Toyota keeps hanging up the phone and will not respond to the claims and proof we sent them over fax they acknowledged the fax once then changed the story after. They keep sending letters harassing me and my son on the matter
|
| 12/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 06/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I recently got a copy of my Credit Report and noticed that in XX/XX/2018 Toyota marked me as being late. Toyota also somehow took me off of autopay without even notifying me. They also didn't notify me prior to inserting this information that gives no regard for accuracy. I am requesting that Toyota not contact me by telephone and communicate by USPS mail only. I am also represented. I have attached to this complaint a copy of the inaccurate Credit Reporting.
|
| 04/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I ( with a cosigner XXXX XXXX ) have an auto lease with Toyota. They claim my XX/XX/2019 payment was 30 days past due. I spoke with a manager over the phone we did a 3 party call with my bank to confirm. The manager agreed to remove 30 day late because of incorrect information. I have an excellent payment history, and this is unfairly hurting both mine and my cosigners score. I would do anything necessary to rectify this. I appreciate any help, thank you, XXXX
|
| 07/13/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I went to XXXX Lexus to see if I qualified for a new lease turning in my current lease. I was told the payment would be similar and terms also. When I got to the Finance office to sign the lease it showed it was a 48 month vs a 36 month. I was told it was too late to change and I had to accept the payments. I told them I wanted to change back to 36 month and they said they would work on it. Mow almost a year into it they still have not corrected their mistake.
|
| 08/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I tried calling the XXXX XXXX /Toyota Motors to advise them that I never received statements and notice for these dates listed FOR THE FOLLOWING DATES :XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. Due to their error, they reported late payment remarks on my credit report which IS IMPACTING ME NEGATIVELY DUE TO NON RECEIPT OF THEIR MONTHLY STATEMENT FOR THOSE DATES.
I ALSO TRIED GOING THROUGH THE CREDIT BUREAU TO RECTIFY THIS MATTER WITH NO SUCCESS ON EITHER SIDE.
|
| 06/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I made my payment on time for XX/XX/XXXX and XX/XX/2016 with Toyota Motor Toyota reported to the XXXX credit bureaus that I was 60 days late XX/XX/2016 and 30 days late XX/XX/2016. I called Toyota and they said that they see that I did make my payment on time both months and that it is an error. I disputed it and Toyota is stating that they are reporting it correctly. This error dropped my credit scores over XXXX points now I am being denied credit everywhere
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
15 U.S. Code 1681i - Procedure in case of disputed accuracy I received a copy of my credit report the late payment and information on my credit report is inaccurate.
date OF last ACTIVITY exact amount owed date opened On my transition report I owe XXXX On XXXX document attached below differ everything doesn't match LATE 30 day says XXXX, on XXXX it's says XXXX The Activity are inaccurate and does not met fcra. REINVESTIGATE and Remove inaccurate information
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hello, Toyota of XXXX did a hard inquiry on my credit report on XX/XX/2021. I was never present at this shop and did not give any consent for this. I was never even looking for a car! I have called them numerous times to try and have them explain themselves and handle it, however they always tell me some manager is going to call me back. I want this hard inquiry OFF of my credit history. I had no co tact with Toyota at any point about the interest of a car.
|
| 06/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a lease with Toyota financial services since XX/XX/XXXX. I have made every payment within 30 days. I paid my XX/XX/XXXX payment on XX/XX/XXXX, within 30 days. On XX/XX/XXXX Toyota financial reported my account as being over 30 days late. I contacted them and they said I have never been late and that they did not report me as late. But every credit reporting company is now saying it is over 30 days late. I have disputed with credit reporting agencies.
|
| 06/13/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I made an online payment on XXXX. My payment was actually on XXXX, but because it was a weekend, Toyota did not count it until XXXX. I recieved an email conformation on XXXX from Toyota stating they received my payment on XXXX. My financial institution has withdrawn the money from my account. The website still says past due yet the website shows my payment made on XXXX and I am receiving approximately 14 phone calls in the past 7 days! That is harrassment!!
|
| 11/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on XX/XX/ I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act this creditor " Toyota Motor Credit '' has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 06/02/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
During XXXX I was struggling due to Covid and the reduction in work due to the reduction in passengers at my airline. Yes my payment was made late but they kept adding the late fees and there reps just said yes the late fees get charged. Then things turn around and flying picks up and I get my loan back on track. Then in XX/XX/XXXX I paid the payment a couple of days early so they shorted my payment to pay late charges then charged me more late charges.
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Toyota Financial services is report on my that I have had 3 late payments. My account was set on auto payment but for some reason it was cancelled in XXXX. Toyota is unable to tell me why and I was informed that they did not receive payment for 2 months. NO letter in the mail or email. Also this is a Business vehicle title in the business and I want it removed off of my personal. Toyota will not help and it is messing our process of purchasing our home.
|
| 04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account number has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
|
| 10/30/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is a complaint against Toyota Motor leasing. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
|
| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting act TOYOTA MOTOR CREDIT Account # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
|
| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act, this creditor, Toyota Financial, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.
|
| 05/06/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a lease with Toyota Financial and my account was on auto payments and on XX/XX/XXXX through XX/XX/XXXX 4 months my account never auto paid because of an error and I got late payments on my credit report. according to my credit report, I got 5 months of late payments and Toyota never got in touch with me to let me know. This account has been paid every other month and is closed now fully paid and they still will not fix this error on my credit.
|
| 11/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Toyota motor credit is activity reporting false payment history information on my credit report on payed off vehicle which is effecting my credit please have them remove this payed off balance this is effecting me to obtain credit and has me at a low credit rating this is currently all false please remove this credit payment history provide me with proof of dates times and of verifiable proof off any money owed or late payed thank you XXXX XXXX XXXX
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The account in question is reported to have a derogatory rating, which is greatly concerning to me. I am worried about the impact it may have on my credit, as I have recently been denied a loan and my existing credit accounts have experienced increased interest rates. I want to emphasize that this negative rating has caused significant financial distress for me, and if left unresolved, it will continue to affect me both financially and emotionally.
|
| 02/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a loan with TOYOTA MOTOR CREDIT CO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MOTOR CREDIT CO with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never days late.
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card or car payment account under an open end consumer credit plan as late for any reason.
|
| 09/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I was told by the dealership that I had to put a down payment of {$10000.00} in order for the bank to fiance the XXXX. I call the people who fiance the contract and I was told by them that they dont require a down payment and that was the dealership doing. I was explaining to them the violation of TILA. 15 usc 1605 ( c ). I had to pay for insurance before I could get the vehicle. 15 U.S. Code 1635 - Right of rescission as to certain transactions.
|
| 12/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a loan with TOYOTA MOTOR CREDIT CO XXXX Balance {$14000.00}. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and TOYOTA MOTOR CREDIT CO with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
|
| 04/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I, XXXX XXXX XXXX received a written communication from Toyota Financial Services indicating they are in the debt collection business and stated that the communication was an attempt to collect a debt. Pursuant to 15 USC 1692c a debt collector may not state that the consumer owes a debt nor may they use any language or symbol on the contents of any communication which indicate a person is in the debt collection business pursuant to 15 USC 1692b.
|
| 08/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a Auto loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
|
| 07/20/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I consumer XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2021. A consumer credit transaction in which a finance charge was involved.15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX took cash. The Finance charge is supposed to include insurance, but XXXX XXXX XXXX made me purchase insurance separately.
|
| 11/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
We filed Chapter XXXX on XX/XX/XXXX. Toyota was included in ChXXXX and was paid in full through BK. They are reporting a balance due after the filing date and the discharge date of XXXX and 'late ' payments in XX/XX/XXXX. The 'balance due ' is the inflated interest they were trying to charge us prior to filing ChXXXX.
Toyota is undermining our credit and enabling themselves report further into the future.
Attached are screen shots from XXXX.
|
| 07/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.
|
| 11/01/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
Misleading and deceptive use of XXXX services to induce customers to buy or lease Lexus automobiles by Lexus Financial Services by promising XXXX months forgiveness of lease payments if a new vehicle is lease or purchased. While they encourage buyer to continue to make payments and providing written assurances that the coupon mailed is valid until XX/XX/2017. Not so and thus consumers are being double charged for XXXX or more monthly payments.
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
.
In accordance with the fair credit reporting act XXXX accounting # XXXX, has violated my right.
15USC 1681 Section 602 States that I have right to privacy.
15USC 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
15USC 166B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
Servicemember |
|
During a credit check for employment via XXXX, Toyota Motor Credit is reporting that I lived at XXXX XXXX XXXX XXXX, XXXX, WY XXXX. I never lived at this address. I did however, co-sigh for an auto loan for my son.
XXXXToyota Motor Credit came back from my initial complaint saying the information was correct, It is not correct. My son lived there, I did not. Please help me remove that address as a previous residence for me.
Thank you,
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 12/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
I have account being reported from Toyota Motor Credit ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years.
the date of 1st delinquency was XX/XX/2010 according to XXXX & XXXX XXXX has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default
|
| 11/19/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have a loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and TOYOTA MTR with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX, XXXX, and XX/XX/XXXX.
|
| 12/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a repossession on my credit from Toyota motor Corp that should not be there! The car was bought out of and I was told a repossession would not be on my credit the car has since been paid off and traded. I do not need this garbage on my credit!!! I will never return to Toyota or even speak highly of them after my experience and this experience if this does not come off my credit I will be reporting further to new stations and XXXX
|
| 01/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX my bill for account TOYOTA MOTOR LEASING ( opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
|
| 06/14/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I returned a Lexus XXXX Leased vehicle to the local Retail Dealership. They sent the car to Lexus Financial Services who mailed me an Invoice date d XXXX/XXXX/16, for excessive wear & tear on the vehicle for {$980.00}. In addition, they continued to charge my checking account after I returned the vehicle for another {$590.00} payment. I have called them 7 times requesting a report, my account to be reviewed as there was no damage. They
|
| 09/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under anzsk open end consumer credit plan as late for any purpose.
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XX/XX/2022 XX/XX/2022 XX/XX/2022 Reporting agency, TOYOTA FINANCIAL SERVICES, reported account XXXX, 30 days past due, for XXXX, XXXX, & XXXX of 2022. These late payments are inaccurate, & I would like a copy of the furnished documents, from the bank statement showing exactly when those payments were made, proving each payment was 30 days late. If that can not be shown, I would like the payment history updated to all on time payments.
|
| 05/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American |
|
Toyota Financial Services REFUSED TO CORRECT THE PAYMENT DUE DATE - WHEN I PURCHASED THE VEHICLE. My payment date should have been XXXX of the month. Instead, they are sending incorrect payment due dates to the all the credit reporting angenies. No matter how many times I bring to their attention that the INTEREST RATE SHOULD NOT BE MORE THAN MY PRINCIPAL. They REFUSED TO CORRECT THAT AS WELL. I will like to be this CORRECTED AS WELL.
|
| 03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under the open end consumer credit plan as late for any purpose.
|
| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act Toyota Finacial has violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 10/19/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Confusing or misleading advertising
|
|
Web |
|
|
In XXXX of 2021, went to XXXX XXXX to get cars on a lease. Told the representative to run credit with just XXXX XXXX. Credit was ran through XXXX different agencies creating XXXX hard inquiries. Also was coerced into putting a down payment for the vehicles totaling {$4000.00}. Under US 15 1661 this is a violation of consumer law. In addition, Toyota Financial has shared my information with third parties with my consent or permission.
|
| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance to fair credit reporting act these companies have violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for 972k purpose.
|
| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I just received a recent credit report and it states that the my account is pays account as agreed, paid or paying as agreed, or current account/was delinquent 60 days past due date. My account is current with Toyota and that should make my credit report back to being positive in not negative. Everyone is remarking with the above statements but not showing the same thing on the report. This is not giving me an accurate credit score.
|
| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Any purpose.
|
| 11/28/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
I XXXX XXXX natural person has attempted to rescind on my Fraudulent contract with Toyota Motor Financial. I sent this corporation an Affidavit of Truth on XX/XX/2022. Toyota Motor has not rebutted my Affidavit, Toyota continues to harass me with phone calls and Statements of debt. This contract is no longer valid due to several violations committed by Toyota Motor. I have attached : Affidavit Cease and Desist Rescission of Contract
|
| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 05/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on credit card account under an open ended consumer credit plan as late for any purpose.
|
| 08/16/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XXXX XXXX 2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX made me purchase my own insurance separately.
|
| 08/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I have not received any letter of default or anything about repossion, i fell behind during covid and have been trying to catch up since. I owe them 8 payments, i offered to make 4 which they denied. I asked them to give me 30 days to sell the vehicle as i have equity in the car and are unwilling to help. The confusion started when we did a forebearance plan at the start of covid with start dates and wasnt properly explained to me.
|
| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
TOYOTA MOTOR CREDIT XX/XX/2020 {$1200.00} I sent so many letters to the creditor starting before they send the account to credit. requesting information that my Gap insurance was cancel before my car was stolen, the creditor never sent it.
i also request the credit bureau to verify that the gap was canceled also because Toyota didn't want to pay it. at this point, I see my right was violated by the creditor and the credit bureau.
|
| 04/08/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Toyota Financial Services ( TFS ) calls us incessantly from various outward-bound Call Centers using FAKE Direct-Inward-Dial Numbers. Furthermore, they are calling a distant family relation at : XXXX - which they have no right to do as they are not a party to the purchase contract. I would like TFS to CEASE AND DESIST all collections activity with my distant relatives ( XXXX XXXX ) and only communicate with my wife and I directly.
|
| 02/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I recieved a loan for a XXXX XXXX from Toyota finance services in XX/XX/2020. I paid off the loan early using their web feature to calculate the remaining balance in XX/XX/2020. The remaining remaining for the load was {$0.00} as was reflected on the XXXX and XXXX billing statements. Toyota incorrectly reported my loan as 60 days delinquent to the credit reporting agencies. Toyota has refused to correct this error. Please help.
|
| 09/01/2023 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
XX/XX/2023 Lexus Financial Services also known as Toyota Financial Services called my employer XXXX XXXX XXXX trying to collect a past due payment that I already have set up a payment for XX/XX/2023 to be drafted out of my account. They were never authorized to ever call my employer as I do not have my employer 's phone number listed on my account. They have continued to harass me by calling my employer on many other occasions.
|
| 04/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A Creditor may treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 10/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
XXXX XXXX XXXX SS : XXXX XXXX XXXX XXXX XXXX NY XXXX TOYOTA MOTOR CREDIT A/C XXXX ( XX/XX/2015,XX/XX/2015,XX/XX/2015 XX/XX/2015 ) late payments reporting.
I had made all payments on time trying to resolved late payment issue with Toyota, they keep denying it i feel like hopeless and its effecting my life.i am in contract buying house and won't to be able to get mortgage because of this late payment.
Attaching Credit reports.
|
| 12/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
|
| 08/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666 : A creditor may not treat a payment on a car loan account under an open end consumer credit plan as late for purpose.
|
| 08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Toyota Corporation Says My XXXX XXXX Was Repoed This Is Incorrect On My Report I Bought Lease Out In XXXX Of 2020, I would Like For This Removed From My Credit Report I Sent Them A Letter Regarding This Matter And They Told me That The Credit Reports Say This And This Is Incorrect I Tried Applying Through Toyota And I Got Denied Please Need This Removed From My Report! I Bought Lease Out Through XXXX XXXX XXXX In XX/XX/2020!
|
| 06/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with Fair Credit Reporting Act XXXX Account has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat any payment on a credit care account under an open end consumer credit plan as late for only purpose.
|
| 02/17/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I sent Toyota Motor Credit a letter via certified mail on XXXX XXXX, 2016. I have the only response that I received was further derogatory reporting on my Credit Report. I never got any for of response to my letter, which is attached and the exact same letter was sent again on XXXX XXXX, 2016. Twice I 've sent this letter!
I 'm prepared to file a lawsuit for violations under RFDCPA and Title 15 Section 1666 of the US code.
|
| 07/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
This fraudulent TOYOTA MOTORS account doesn't belong to me. I've been disputing it for over a year but XXXX and XXXX refuse to comply. They haven't provided any documentation validating this account. All they do is send me automated validation letters without merit. It's causing me great anguish, XXXX and XXXX thoughts. I've been denied approval for a home because of this account. Please remove immediately once and for all!
|
| 10/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Toyota refuses to remove this account from my credit bureau. This account first was a total loss and was paid but I just let it stand because I knew that it should be removed this year. It still is appearing on my credit as a negative and it has been over 7 years old. I have reached out to the CEO of Toyota Finance in writing with a complaint and they still have yet removed it from my credit causing my score to be very low.
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with fair reporting credit act XXXX account # 12345 has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a a account without my written instructions.
15 USC 1666B : A creditor May not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
|
| 04/18/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
i am writing today in hopes that you can retract the 30 days late you have reported me at the end of my lease on XX/XX/2018.
here is what happened i returned my viehcle to my dealer once i did that i had thought that there was no payment due so i didn't make any further payments.
i dont think that i got any statements after i gave back my vehicle if you sent any because if i had received it it would have made my payment.
|
| 09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15usc 1681 section 602 state I have the right to privacy 15usc1681 section 604a section2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as LATE for any purpose.
|
| 10/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a loan with Toyota Motor XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and Toyota Motor XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 120 days late
|
| 04/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Upon paying for my vehicle at lease end a payment was taken from my bank account that was not due. 45 days after the payment was taken from my account I received a notice from XXXX XXXX stating that I am currently delinquent on the account and that I have been 30 days late.
I called Toyota to let them know and they stated that I will have make a request in writing and that it may take 90 days to correct the discrepancy.
|
| 08/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
My credit report for my whole life had been over XXXX until I bought a Toyota and traded it in for a lessor quality Toyota and then Surrendered it for the first time in my life. Then Got hurt on the job and my employer did n't pay the bill and I did n't know for 3 years. Its all taken care of except for my STILL low credit score. Could yoy please look into this and let me know why my score is so low still. Thank you, XXXX
|
| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15usc1681 section 602 states I have a right to privacy.
15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under and open any consumer credit plan as late for any purpose
|
| 09/16/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX was called by Toyota Financial attempting to collect a debt. Informed them I was not the person they were attempting to contact. Attempted to gain personal information about me ostensibly to verify this. Refused to provide them my information. They claimed they removed the number from their records and I would not be called again.
XXXX was called again by Toyota Financial XXXX was called again by Toyota Financial.
|
| 02/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 04/14/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Toyota Financial Services does not allow a person to pay additional money towards the principal and applies the money to future payments. A representative stated that a person has to send a separate check to a different address to pay off the principal. This procedure is not mentioned in loan documents or the monthly statement. I find this business practice to be deceiving, unreasonable, and a disservice to the customer.
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XXXX ran my credit for a car purchase on XX/XX/2021, ( ok ), then Toyota credit ran my information, XX/XX/2021, got approval, ( ok ), then after making my first payment on time a month later, Toyota credit ran my information again on XX/XX/2021, ( NOT OK ).
Both parties blamed each other and nothing was done, they now ignore the problem. This still remains on my inquiries in my credit report. Please help
|
| 01/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have made all my payments within the month of requirements. I was not late over 30 days for any month I was working. If they are correct which I doubt because my loan payment is up to date. I am asking of goodwill to please fix as I may have had a hard time and wanting to change my job so it may have went pass the date required. Over all Im grateful and want to have better credit for when I return for another toyota.
|
| 01/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
XX/XX/XXXX I checked XXXX XXXX on XXXX and my score dropped from XXXX to XXXX. It erroneously shows XXXX XXXX updating a XX/XX/XXXX vehicle showing it was repossed. false it was voluntarily surrendered by me. my credit took an unnessary hit. my credit should be going up not down. i currently lease a XXXX XXXX XXXX with no late payments. Please clear up this unnnecessary confusion and bring my score up to date. Thanks
|
| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Im accordance with the fair credit reporting act these accounts have violated my rights under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 604 A section 2 a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open consumer credit plan as a late payment for any purpose
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
|
| 05/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had an issue with my car loan still being outstanding/no title after being paid off XX/XX/XXXX. This has been fixed and final payment applied XX/XX/XXXX but now it created a new problem. It now shows I have two late payments. The payment that was made in XX/XX/XXXX to pay off the account was posted XX/XX/XXXX. Can the payment be applied correctly when I actually made the payment and remove the delinquent payments.
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
For years I was oblivious to this Toyota Motor credit co account being opened in my name on XX/XX/ balance of ( {$26000.00} ) this account was opened fraudulent and Toyota did not do a good job verifying the authenticity of the identification. Since Ive been aware of this fraudulent account I was able to take the proper steps in getting it removed from my credit bureaus but Toyota is still reporting this charge off
|
| 07/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Toyota credit- 13 year old account still hanging with on, should be eliminated.
Numous letters and disputes XXXX has been paid off for many years I'am a two time XXXX XXXX with a XXXX XXXX and XXXX XXXX and the CEO does n't give a dam about individuals who are XXXX and some of these events occurred during this period of time. I have documented paperwork to provide stating my XXXX and still the CEO will not respond.
|
| 03/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I leased a XXXX XXXX with TFS ( Toyota Financial Services ) in XX/XX/XXXX. In XX/XX/XXXX, the vehicle was in an accident and was totaled. The lease amount was paid off in full by my insurance company, XXXX, on XX/XX/XXXX, but TFS reported that my XXXX and XXXX payments were 30 and 60 days past due respectively. Then payments later in XXXX were reported as charge-off, despite the account being paid in full by XXXX.
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The following accounts are inacurate and are in clear violation of my privacy.
This is embarrassing and damaging to my reputation as a consumer.
As a Consumer I demand the following accounts to be DELETED from my credit report immediately.
I DID NOT give any written instructions to have any of these accounts on my consumer report.
As a consumer I have a right to privacy and they are in violation of my rights.
|
| 11/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on TOYOTA MOTOR CREDIT XXXX Balance {$960.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I think inquiries have been fraudulently done under my social security or without my approval.
Would love to have the inquiries I DID NOT APPLY FOR OR AUTHORIZE FOR A PULL ON MY REPORT REMOVED XXXX Credit/BOCH TOYOTA. Date : XX/XX/2021XXXX XXXX XXXX XXXX. Date : XX/XX/2021TOYOTA MOTOR CREDIT CO. Date : XX/XX/2021 XXXX XXXX XXXX. Date :XX/XX/2021 XXXX XXXX XXXX. Date :XX/XX/2021XXXX XXXX XXXX XXXX : XX/XX/2021
|
| 02/25/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Toyota Financial reported a late payment on my credit in XX/XX/2017. I have no late payments and after speaking with them, they said they have no record of it in their system so they ca n't do anything about it. I am in the process of purchasing a home and this error by them caused my credit to drop below the acceptable rate to acquire a home loan. After repeat calls to Toyota they still wont correct their error.
|
| 06/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on XXXX in place of filing a police report.
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Upon reviewing my account with Toyota Financial CompanXXXX, I realize Toyota Financial has inadvertently miswrote my housing address which as a result caused me to not receive my billing statements. As a result of this address error, I did not receive my statement and was ultimately late on my account due to the creditors negligence. I am requested that this late payment be removed from my account immediately.
|
| 05/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I agreed to have my credit checked by the XXXX XXXX XXXX dealership on XX/XX/2019, however, I was not informed that they would give me at least 6 different hard inquiries on my credit score. This has brought my score down and prevented me from being approved for a credit card, solely for the reason of having too many hard inquiries. It does not seem fair to me that I am being punished for purchasing one car.
|
| 03/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
The car loan fully PaID off after refinancing by the second loan provider company, but the first company still sending me bill statement every month, even I received paid of confirmation letter and the car title.
They reported to credit report agencies and my credit score affected ( dropped ). I need your help to investigate and to correct this falls and unfair report from loan provider Thank for your help.
|
| 11/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on TOYOTA MTR. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 01/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am co-borrower on my daughter 's auto lease with Toyota Financial Services. My daughter was late on a payment. When I was contacted I made immediate payment to bring the account current. Toyota Financial Services reported to my record, a late payment. It is my understanding that as co-borrower, that if I am contacted and bring the account current, a late payment should not be reported to my credit record.
|
| 04/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I called twice asking for title and the last time I was told yes the car was paid off in XX/XX/2022 and that my credit report has XXXX balance paid off. I was also told they would expedite my title and I have yet to see my title and I still see XXXX balance still on my account. They acknowledge the notes from the last person I talked to and that they closed my account and requested my title to be sent out.
|
| 10/01/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XX/XX/2020 XXXX XXXX and Mazda Financial Services presented me with a false and deceptive piece of documentary evidence presenting itself as a Consumer credit transaction. I proceeded with the transaction only to find fraud committed against and my Consumer rights violated pursuant to the Truth In Lending Act, Fair Debt Collection Practices Act, Fair Credit Reporting Act & the Equal Credit Opportunity Act.
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
TOYOTA MOTOR LEASING-I call them to pay or make settlement on balance due and they said account was sold to collections agency but have no info on who it was sold to. No one will contact me to resolve. Balance on credit report shows i have an active balance but it was sold to collections agency shouldnt have a current balance. Requesting to be deleted or updated and i wish to make payment to close it out.
|
| 03/17/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. I recently pulled my credit and noticed inaccuracies I reached out the credit companies and bureaus. The companies removed the fraudulent accounts from my report with no issues all except one bureau that was XXXX they kept an account from Toyota motor credit and XXXX XXXX none of these accounts were authorized to be opened by me or anyone associated with me on my behalf.
|
| 11/26/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
I purchased my car at the end of my lease from Toyota Financial Services. I financed through my bank XXXX. The check for the amount of the car was sent to them and cashed closing the account, but there was an error on XXXX 's part sending the sales tax amount. Toyota Financial reported to the credit bureaus that I had not made my car payment which was not true. This dropped my credit score over 30 points.
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I've been trying to dispute a lot of information on my credit report and I keep getting that it's going to take 30 days or they going to investigate and the same thing happens day after day I really will like it to be fixed it so that I can actually get the fair rate on everything that I'm supposed to get I think it's fair for everyone to have a fair credit report instead of having a wrong cover report!!
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account number XXXX has violated my rights. Listed below 15 USC 1681 sections 602 I have the rights to privacy 15 USC 1681 sections 604 a consumer reporting agency can not furnish a account without my written consent 15 USC 1666B Creditors may not treat a payment on a credit card account under an open end consumers credit plan as late for any purpose
|
| 12/21/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
The debt if Toyota Financial Services on a XXXX XXXX XXXX that was driven over the lease allowed mileage.
I was led to believe that if I leased another XXXX the over mileage would be forgiven.
I leased a XXXX XXXX XXXX XXXX for 3 years but Toyota has continued to harass me.
XXXX XXXX XXXX The most recent call was from XXXX XXXX XXXX whom I have told repeatedly not to call me that this is not my debt.
|
| 01/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This company Toyota motor financial sell two account to a company call XXXX XXXX reported after charge off never update this information and keep reporting every month innacurate information different in every credit bureu like Payment history damaging my credit for years a open multiple dispute and this company negligent in update or correct this account or remove a keep reporting incorrect information
|
| 05/13/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have a vehicle lease with XXXX XXXX XXXX . I was told that I have been missing my first payment and have been late ever since. I have made multiple calls correcting the issue and even paid the late fee once. Currently, they are still compounding my late fee again and it has risen unto {$260.00} I have made repeated requests to correct the issue but no action has been performed by the company.
|
| 03/26/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I have received a credit report marker for a thirty and sixty day credit marker for my XX/XX/XXXX and XX/XX/XXXX payments. However, I had arranged a deferral contract for my monthly payments to be extended onto the end of my lease period. Because my monthly payments were brought up to date via deferral - my account was brought current in XX/XX/XXXX. I am requesting for the credit markers to be removed.
|
| 11/11/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
On XX/XX/2020 Toyota Motor Credit sent me a letter to collect the debt with amount is {$3600.00}. I respond to them that I don't have any account with them and my name is not the same as the person they want to collect the debt but they didn't respond to me.
Today XX/XX/2020 I received a letter from XXXX XXXX XXXX XXXX attempts to collect the debt for Toyota Motor Credit, that debt not belong to me.
|
| 04/20/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
We have two leased vehicles with TMCC and have made every payment on line with XXXX. TMCC has been crediting both payments to loan number XXXX ( XXXX ) since XX/XX/XXXX. TMCC repossessed the loan number XXXX ( XXXX ) on XX/XX/XXXX. It is clearly their error and it cost us {$2100.00} due to their error. We just received a letter they are repossessing it again. I am truly lost and need some assistance.
|
| 08/10/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Toyota Motor Credit is reporting inaccurate information to the credit bureaus in regard to a fraudulent account in addition they are refusing to remove this negative information from reporting against my name with all the major reporting agencies although they are aware this information is fraudulent. I did not obtain a loan with Toyota Motor Credit nor did I give anyone permission to obtain a loan.
|
| 09/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a very unusual situation with Toyota Financial Services as XXXX lost a trade in car and Toyota ultimately held me responsible for it. We made a deal for a partial payoff amount to satisfy the debt but they have not accurately updated my credit reports as agreed. They are showing that the account is now closed but that I was delinquent in payments. This was not what was agreed when I paid them.
|
| 11/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I believe they add more or extra things and they shouldn't add to my loan also I never receive ant benefit also Toyota financial services have been falling in sending my loan closing letter to receive my gap or whatever terms still pending and the dealer ship where I got havent helping me out to get I spoke before with sales XXXX and nothing including the guys who prepare the paper work in the back
|
| 06/18/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
For my new XXXX the Payment date XXXX fell on weekend and they will not let you make a payment on that date it defaults to the next business day. I paid on the XXXX before my due date and still today on the XXXX my account is showing past due. Its not even reflecting online. My payment only shows scheduled for today when I made it on the XXXX. Then it says allow 2-3 business days for it to show up.
|
| 07/06/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
I traded my 2012 XXXX for another car at XXXX XXXX in XXXX XXXX, XXXX Toyota Financial Services reported my car as a repossesion car and reported me to collection agaency by mistake, and ruined my credite from XXXX to XXXX, ofcourse they try to repair thier mistakes but damage was done by thier mistakes, I wonder if anybody from government side can punish this Financial Institution. ThanksXXXX XXXX
|
| 11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I made all my payments had have been paying them each month since I got the car. The moment where m payments were paused was during the covid time in XXXX. I spoke to representatives over the phone about having issues with payments in the months of XXXX and XXXX of XXXX but I guess they did not update the notes. I paid them but was having issues with the method of paying them not working properly.
|
| 06/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Toyota financial services is calling me every single hour during collection hours XXXX I am getting upwards of 7 calls per day during business hours from this company to collect on my car payment. I answer, and say I will call back once I am off, and they still continue to call daily. I consider this harassment, and it is making it hard to handle day to day activities with calls all day from them.
|
| 11/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Toyota financial services hasn't been applying my payment and balances correctly on statements mailed out all statements mailed from XX/XX/XXXX til now are wrong payments have been made and aren't reflecting correct balances payment for XXXX dollars also XX/XX/XXXX payment made for XXXX also on statements where it says vehicle/last XXXX of XXXX XXXX isn't the correct collateral on promissory note
|
| 06/18/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello ; This debt was assigned to my ex-husband per our divorce court order in 2014. Toyota was notified of this assignment and his contact information was provided. Also, Toyota charged this debt off without notification of collection, and it remains on my credit report. I request that Toyota either provide a way to pay this debt off or remove it from my credit report.
Kind Regards, XXXX XXXX
|
| 06/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : TOYOTA MOTOR CREDIT, Account Number XXXX XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
|
| 09/02/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Toyota Financial Services Toyota Motor Credit XXXX XXXX XXXX XXXX, IA XXXX Account XXXX XX/XX/2012 Stole my down payment, didnt apply it to my purchase. I signed my car lease a week before. The company called me back up to say there was a problem with financing and I had to come back to resign papers. I contacted the company several times and it and they havent responded with the down payment.
|
| 07/21/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
on XXXX XXXX i was at Lexus of XXXX Because i was offer a # months waiver so there is only one 1 payment of $ XXXXwhit Lexus Financial Services and o a new lexus ct200h my payments was {$440.00} at months for 36 months at XXXX miles per year whit Lexus Financial Services so far today is XXXX XXXX and there is no answer of approval or declining this deal and i feel is because my XXXX background
|
| 11/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX
|
| 07/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Lease was returned and all payments paid in full in XX/XX/2017. Company reported the lease as a voluntary repo and sold it at auction despite all obligations being satisfied and are trying to charge me the fees and loss at auction. The vehicle was properly returned and the payments were made to satisfy lease obligation. They incorrectly handled the end of lease and will not fix their mistake.
|
| 10/09/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I contacted Toyota financial services to dispute the points taken off of my credit that decreased my credit score I was informed that its a computerized system and basically so what its nothing they can do. I was building my credit now its ruined for no reason I never was delinquent on my payments to this company and its unfair that they just like that sent a false report to the credit bureau
|
| 05/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I called for a due date change, then a few days later I received a collection call I was 2 payments past due when I have not even had the vehicle for 2 months. I spoke to repersentitive and stated they can only receive calls and can not place calls out. I have a job and had to take 15 minutes of unscheduled leave due to this issue. I wanted to know also how has this affected my credit report?
|
| 10/15/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I have an account with Toyota Motor Account # XXXX, the payment status which is listed isn't accurate. I have reached out to Toyota Motor to question the payment history They sent me a letter which I attached saying that no late pays existed and no other mention about anything negative reported. I am unsure why I am still seeing negative comments listed on my credit profile ( see attached ).
|
| 10/28/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XXXX lease was on hold in forbearance and the told me one date. Next thing I know I called them to check status and they said I t was late to make foulest payment. I made a payment for two months. They reported 7 days after I had made the payments to make it current.
I never was late! Always paid on time.
I want to dispute this in my credit.
I will dispute this until they make it right
|
| 02/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I'M A VICTIM OF FRAUD AND IM REACHING OUT TO HELP ME IN EXPEDITING THIS MATTER WITH THE CREDITORS AND THE CREDIT BREAUS. HERES THE LIST OF ACCOUNTS ACCOUNTS -XXXX XXXX XXXX {$300.00} -TOYOTA XXXX XXXX XXXX - {$8600.00} XXXX - {$8600.00} XXXX XXXX - {$1700.00} XXXX XXXX -XXXX XXXX XXXX - {$540.00} -XXXX XXXX {$320.00} -XXXX XXXX XXXX - {$320.00} -XXXX XXXX XXXX XXXX {$210.00} XXXX OF XXXX
|
| 06/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I dont recognized and Account from Toyota Financial Services that been reported to my credit report.
Also I was informed that at the beginning of the contract Toyota Financial Services has a wrong social security and they updated later once I tried to contact them about the unrecognized account.
I sent a Debt Verification letter to Toyota Financial Services and they failed to respond.
|
| 01/10/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX XXXX I disputed item for Toyota Motor Credit in the amount of $ XXXX.On XXXX XXXX I sent out debit validation letters, On XXXX XXXX I mailed certified letter information about debt.On XXXX XXXX mailed letters to attorney general with log sheets of actions taken.Under the Fair Credit Reporting Act the specific obligations was not met due to that the item should have been removed.
|
| 04/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Toyota Financial Servies has made countless mistakes with reporting on my credit report which violates FCRA regulations. There's two in particular one of which is when I traded in my XXXXXXXX XXXX for a XXXX XXXX. The next is when I traded in a vehicle from XXXX XXXX to Toyota Financial Services in XXXX. I would like all late payments removed from my credit report as soon as possible.
|
| 02/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
I HAD AN XXXX LEXUS FINANCED THRU LEXUS FINANCAL XXXX. IT BURNED UP ON WAY HOME AND XXXX PAID ALL BUT XXXX OFF. I HAD PURCHASED A GAP POLICY FROM XXXX TOYOA, WHEN I BOUGHT T IT WAS A U.W.C GAP POLICY OWNE D BY XXXX XXXX THAY REFUSED TO PAY CLAIM OR REFUNF MY MONEY FOR IT I PAID TO RESOLVE BALANCE. LEXUS TOYOTA FINANCIAL IS RUINING MY CREDIT WITH LATE PAYMENTS AND COLLECTION ACTIVITYS
|
| 08/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Toyota Financial Services violated federal law 15 USC 1605 pertaining to my finance charge. I made {$10000.00} down payment in this consumer credit transaction and that was supposed to be included in the finance charge. The premiums I paid for liability was also supposed to included in the finance charge. These these facts was not disclosed to me in this consumer credit transaction.
|
| 09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I have notice inquiries that are not of my knowledge and have reached out to these companies in question and received no results I have reached out to XXXX as well and I have gotten a run around.
Here are the companies and dates of inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
|
| 02/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Toyota motor credit is continuing to report false information on with all three credit agencies, I'm not reasonable for any debt or outstanding loan balance or reposition. please remove this reporting immediately from all three credit agencies or legal action will follow. I did give authorization for any to be placed in my name or on my credit profile with Toyota motor credit.
|
| 07/27/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. An account was established in my name, fraudulently, with Toyota Financial.
I have filed a police report with XXXX Police Department reporting this crime.
I have notified the company multiple times about this, but as of today, they failed to conduct a thorough investigation and are still reporting this fraudulent account on my credit files.
|
| 11/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
|
| 11/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
|
| 11/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/2014 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
|
| 11/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
|
| 09/14/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I sent the payoff to Toyota Financial Services over a month prior to the payoff amount date being due - they acknowledge they received payment over 2 weeks ago. They refuse to update the amount online.
Payoff amount sent XX/XX/16 - claimed to be received by TFS on XXXX and now they are refusing to update the account.
They are holding me XXXX.
The amount was for XXXX est.
|
| 11/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XXXX 2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
|
| 06/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hi my name is XXXX XXXX XXXX I own my own business and have struggled in life to make things right to have a better life, but when I tried to correct my issues regarding repairing my credit notice so much inaccuracy on my credit report that has to be removed. and notice that on the XXXX report I have XXXX Hard Inquiries and on XXXX XXXX hard inquiries that have to be removed.
|
| 08/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have never been late paid all payments on time. this is effecting my life with this inaccurate.
1.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX business credit card which should not be on credit may and XX/XX/2018 XX/XX/2018 XXXX XXXX never late XXXX XXXX XX/XX/2018 XXXX XXXX note my account for XXXX Toyota financial never late XXXX XXXX and may this has happen before
|
| 03/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
XX/XX/18 Regarding Toyota Motor Credit. We had not received our statement by the time the payment was due. I contacted the company and they said that they only send out statements as a courtesy and I have to request a statement/bill be sent. They have been sending out the statements for two years. I have no way to mail my payment without a statement to send with my payment.
|
| 09/04/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
XXXX and XXXX Credit bureaus were not able to verify this information but refused to remove it from my credit report. This account has been removed from XXXX. I am asking for this account to be removed from XXXX and XXXX. I thought they only had 30 days to verify if the information is valid and correct. Here is a screenshot of account. Thanks for your help in this matter..
|
| 04/06/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
i have XXXX auto leases with toyota financial services of XXXX .I am a XXXX resident and XXXX of the XXXX cars have no problem .The third vehicle was assigned an incorrect address so bills were not recieved as well as a cure letter or XXXX letter.
toyota repossesed my car unknown to me and came on my private property while I was not home and took the car without knowledge
|
| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have these accounts that are not mine and i want them to be removed from my credit report.
1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine.
2. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine.
3. Identity Theft XXXX Account Number : XXXX This is not mine.
4. Identity Theft TOYOTA MTR Account Number : XXXXXXXX This is not mine.
|
| 09/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. i tried disputing it because i had paid it and it was their websites problem and not mine but they refused to remove it. Please help
|
| 11/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
* Vehicle Sold illegally * Credit reporting inaccuracies * Toyota declining to provide primary contacts, Registered Agent, or Counsel, authorized persons on behalf of Toyotas Legal Compliance Department whom responded via https : //portal.consumerfinance.gov with 30 day offer notice * Inaccuracies in response to CFPB * Tortious actions * Request for settlement provided
|
| 10/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Deficiency balance after repossession
|
|
Web |
|
|
I want my old car loan for the XXXX Toyota XXXX removed from my report as a loan balance because I paid it off. My car accident, on XX/XX/XXXX, this year left me in a bad spot. The loan was paid for the most part by gap insurance, and the perp 's insurance, XXXX XXXX. The remaining was paid by my pockets. I want it removed. Should be updated to say it was paid off.
|
| 02/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have made sure to make my payments on time on the following items listed below. This items should not have a late payment status in my record. Make sure to provide me any documentation about the late payments being done on the months indicated in the report.
TOYOTA MTR XXXX Balance : {$0.00} TOYOTA MTR XXXX Balance : {$0.00} TOYOTA MTR XXXX Balance : {$24000.00}
|
| 12/10/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/2019 Toyota reported a late payment which was not 30 days late. I had a long, good standing lease with them and when the pandemic hit, we paid the loan XXXX week late after we called and asked them if we could. They agreed and said they would not report a late payment. They however did.
This is the only late payment on my credit file for the past XXXX XXXX
|
| 07/23/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
XXXX acct number i overpaid this loan by XXXX k trying to pay off the 2015 sienna, the refund of overpayment has been promised back to me on 3 separate occasions as i have to go intoa dealer to handle the transaction, my loan is going 30 days late, nobody is helping me, please refund the full overpayment of approx XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
There was a payment differed agreement for the month of XX/XX/2023 with TFS for an extension of this payment. The company submitted a late payment to my Credit profile and ive never been late with this this creditor, you can view my previous complaint number XXXX, there is an attach file with the contract and the payment differed agreement that supports my claim.
|
| 11/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
this account with Toyota was in a bankruptcy that was dismissed when the bk was dismissed I sent in the payment to pay in full how Toyota is showing i was XXXX days late and XXXX late... also they're reporting old late pays that should of been removed from credit... I want to to update my credit report or show when my bk was dismissed versus when I paid in full
|
| 09/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XXXX XXXX, 2017 I applied for a car loan with Toyota Dealer in XXXX, Md. Before they submitted my credit information I had a major concern about too many credit inquiries. The financial team told me that they only pull one credit report. I checked my recent credit report today and there are three additional credit inquiries on my credit report from Toyota.
|
| 07/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX I contacted TFS at XXXX. TFS representative informed me that 30d mark for XX/XX/XXXX should have been removed and there is a technical error on TFS side. TFS representative assured me that the 30d mark for XX/XX/XXXX will be removed from my credit report. The 30d mark is not removed. I have a conversation recorded and can provide it by request.
|
| 02/05/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I turned in my leased car in XX/XX/XXXX and I was on an automatic draft. Today on XX/XX/XXXX, I was charged $ XXXX monthly payment despite having turned in my vehicle more than 40 days ago.
This is unfair and an unfair and deceptive practice in Florida. Please demand that XXXX XXXX correct this issue for me and for all future account holders. Thank you.
|
| 03/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I sold our car last year on XX/XX/19 and immediately attempted to cancel the Vehicle Service Agreement by contacting the dealer we bought the car from. every time i was directed to contact the finance department where i left countless voice mail messages. i have never heard back from them once to help me. There has been complete silence from the dealership
|
| 10/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
TOYOTA FINANCIAL, creditor, auto loan account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. TOYOTA FINANCIAL has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX to resolve this matter.
|
| 06/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX to XX/XX/XXXX , XX/XX/XXXX to XX/XX/XXXX , XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
these accounts appear on my credit report, they don't belong to me, it's hurting me.
Identity Theft TOYOTA MTR Account Number : XXXX This is not mine.
2. Identity Theft XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX.
Account Number : XXXX This is not mine.
4. Identity Theft XXXX Account Number : XXXX This is not mine.
|
| 04/29/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I AM VICITM OF AN IDENTITY THEFT, WHICH MEANS THAT THE TOYOTA MOTOR CREDIT ACCOUNT IS FRAUDULENT AND NOT MINE. SOMEONE STOLE MY INFORMATION AND OBTAINED THIS FRAUDULENT LOAN, THIS ACCOUNT IS NOT MINE, I HAVE NEVER OBTAINED A LOAN FROM TOYOTA. I AM NOT RESPONSIBLE FOR THE PAYMENTS FURTHERMORE I HAVE NOT MADE ONE PAYMENT TO TOYOTA. THIS IS NOT MY ACCOUNT
|
| 11/22/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I gave permission to XXXX XXXX XXXX to run my credit for a car loan, I did not and was not told my credit would be ran XXXX times on XXXX XXXX and XXXX times on XXXX. I was under the impression they run your credit XXXX time and use that report with potential lenders. I was not made aware my credit would be ran and hit my credit report that many times!
|
| 02/21/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I returned the car at the end of my lease. A charger that came along with the car was returned later to the nearest dealership. Toyota wants to charge me a ridiculous {$950.00} for forgetting to return the charger. They did n't even call me about the charger. As soon as I noticed it lying in my garage, I went to the nearest Toyota dealership to return.
|
| 04/27/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
The auto loan financial company is unwilling to refund payment I have sent to get back my vehicle. The company also known about gap insurance. The amount was {$2000.00} but no title or vehicle was returned. I never got my title for the vehicle or never received any refund towards the payment I have sent which was settlement to get my car repossessed.
|
| 03/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
|
| 12/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft and on XX/XX/XXXX of 2019 per certified letter with tracking # XXXX I contacted credit reporting agency XXXX XXXX XXXX XXXX TX XXXX regarding reporting of fraudulent Credit accounts on my credit report, out of 5 accounts they only deleted one fraudulent account and they are still reporting fall information about me.
|
| 04/18/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I traded in my toyota Rav4 on XXXX/XXXX/2016 on XXXX/XXXX/2016 tmcc finance company received the check for the payoff from the dealer where I traded my suv. they have the check and continue to collect on a debt I do n't owe. they made a mistake on their end and continue to penalize me, add fees and have marked my credit report as 30 days past due.
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Toyota Financial Services has reported to all three major credit bureaus regarding a car loan in my name. Despite numerous attempts to contact them, calling, faxing, and certified next day mail with signature confirmatino. They will not comply. I have no received any documentation proving that the account is mine with any wet or hard signature.
|
| 09/22/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I had a Lease with Toyota Motor Account # XXXX Opened in XX/XX/2017 for the duration of the lease I made my payments on time. I reached out to Toyota to request what the status of the account is due to the bureaus reporting Collection/Chargeoff. They responded saying I was not ever late on this account ( see attached ) No mention of any issues.
|
| 10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Report Act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX account # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 01/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
On XX/XX/2018, I sent a letter to dispute the late payments shown on my credit report which they signed for on XX/XX/2018. I DID NOT receive a response within 30 days as required by law. They also DID NOT mark the account as disputed within 30 days as required by law. They have not followed the FCRA and the negative remarks need to be deleted.
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I do not recognize any of these companies they are reported as inquiries on my credit report ..XXXX/XXXX XX/XX/XXXX ... XXXX XXXX XX/XX/XXXX ... XXXX auto XX/XX/XXXX ... XXXX XX/XX/XXXX ... XXXX XXXX XXXX ... XXXX credit/XXXX XXXX XXXX XXXX XXXX ... .. Toyota motor credit auto finance XXXX XX/XX/XXXX ... ..Us Sm Bus Admin XX/XX/XXXX 2020
|
| 11/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
Toyota motor credit did not respect the gap warranty when I got into an accident. They charge insurance more then what I owed at the time leave me with hardly any money. They never respect the service of there oil change I got oil changed they said I would get oil changes until XXXX miles and that didnt happen they cut service before time.
|
| 02/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
DEAR SIR OR MADAM : TOYOTA MTR ISSUED AN AUTO LOAN ON XX/XX/ IT WAS SUPPOSED TO BE CATEGORIZED UNDER MY BUSINESS CREDIT. XXXX XXXXXXXX XXXX. HOWEVER, AS NOTED IN MY CREDIT REPORT, IT WAS FILED UNDER MY PERSONAL CREDIT BUREAU.
IT HAS PREVENTED ME FROM GAINING EMPLOYMENT, RENTING A NEW PLACE, EVEN GETTING A SECURED CREDIT CARD. PLEASE HELP
|
| 08/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I had a Toyota Corolla that was repossesed due to me losing my job and not being able to make payments back in XXXX. I filed bankruptcy in XXXX and this was included in it. It is still showing that I owe them and it is still open. How is this possible? This bill is 6 years old and it is affecting my credit due to this still being on there.
|
| 06/28/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Toyota Financial Services do not sign any letter mailed to my address. Making the letters not a legal document and/or documentation ( XXXX ) I sent two pictures the last 2 letters from Toyota Financial Services WITHOUT ANY SIGNATURE ( S ) This is a BUSINESS COMMUNICATION AND THAT IS SUPPOSED TO BE DONE. These letters are LEGAL DOCUMENTS.
|
| 08/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
[ I believe this account is reporting inaccurately. I do not recall having an account with this company. I don't think there is a legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please delete. ]
|
| 04/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Toyota financial services has reported my payments are late to credit bearus. I had a few extension agreements due to XXXX. I was assured that it would mark my payment as current. That was 2018. Now toyota is just not reporting correctly. Now it says my payments are late. I have a 30 day late on all credit bearus that was paid on time.
|
| 09/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The company is reporting as a charge off for a car that was stole and paid out by the insurance company. This is a big hindrance to me and is making my home loan process harder.
The company originally removed this from my report and recently out it back on.
Stated XXXX paid the car off back in 2014 once the car was reported stolen.
|
| 07/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I called XX/XX/XXXX to make a payment on my car loan. I always pay the day I make the call. Their automated system messed up and didnt process my loan until XX/XX/XXXX, which put it 30 days past due. Instead of admitting to their mistake, which is simply proven by listening to the recording, they reported false information to the XXXX
|
| 04/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018, 60 days late in XX/XX/2018, and 90 days late in XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
|
| 08/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
|
| 04/07/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I have a loan with Toyota. I successfully applied for a two-billing-cycle deferral and paid a XXXX dollar deferral fee. Toyota misapplied the fee and put it towards my lease balance after I sent them the requisite forms and agreed upon the deferral terms. Now they say I am past due and have negatively reported to the credit bureaus.
|
| 08/23/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
|
| 11/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I currently have two auto leases with TFS. Due to a XXXX of my father, I had to change the way the payment was drafted. Once this change was made, they began applying payments to my XXXX, when they were intended for the XXXX. The XXXX ended up have multiple 30-day late reports on my credit. Backup information was supplied to TFS.
|
| 04/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 07/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/XXXX to XX/XX/XXXX was moved to back of my loan until XXXX for all those months. On all 3 credit beareas it marks XXXX - XXXX late. It's ruining my credit history when I'm trying to buy a family home. I have written creditor XXXX times. And disputed it on credit and called. It was due to a XXXX I had they moved my payments
|
| 03/28/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
|
| 03/28/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
|
| 09/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I was sold a car that I was told I could afford. I was told my monthly payments would be {$300.00} a month and now I pay {$100.00} over what I was promised. I wanted a simple car and was sold a car that has so many features that I do n't know what they are for or do. I am not educated and I am older so I was taken advantage of.
|
| 07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
|
| 07/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I need help paying my car loan for several months before I find a new job. My family is in financial crisis. This car shouldn't be worth that much, but because I need a vehicle to get around, I bought it regardless. I accept to pay the seller for XXXX in XXXX but this car is XXXX. While my friend bought it for XXXX last years.
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The following accounts are in violation of the FCRA. The following accounts are reporting as late, I have NEVER been late on these accounts.
-- -Toyota MTR acct # XXXX, opened XXXX -- XXXX XXXX XXXX acct XXXX XXXX, opened XXXX -- -XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX -- XXXXXXXX XXXX acct # XXXX, opened XXXX
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit reports states that I have not made a payment on my car lease for over 30 days back in 2017, when in fact my car was traded in for another vehicle and the dealer that took over the vehicle in question did not pay it out on time. Nevertheless, legally I I did not own that vehicle at the time of the payment default.
|
| 12/02/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt was paid by the actual person who was responsible ( XXXX XXXX ) however debt is still being reported negatively on my credit report and has for some time. This has caused me pain and suffering and I have tried to contact them many times. I have also wasted money on certified mail as proof because they will not help me.
|
| 09/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I would like to have all inquiries removed from my account its messing up my credit score i want every inquiries removed asap i do not know how i have 16 inquiries this is not making any sense at all i need my credit score urgently to get my apartment and the right job for me it is stopping me from succeeding help me please
|
| 12/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
We bought a car from Toyota several years ago. The XXXX CA office carried the paperwork. We paid the car off last XXXX and they sent us a paid in full ltr but have not cleared that loan with the reporting agencies as a {$390.00} balance. I disputed it online and sent the them a letter asking them to clear it to no avail!?
|
| 11/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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When I purchase my used Toyota XXXX they add Gap insurance and maintenance warranty without my knowledge as soon as I know I cancel all the Gap and warranty but still I am paying interest on the canceled {$9000.00} gap and maintenance warrantys and as of todays date they didnt credit my account for the cancelled services
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
I spoke with Toyota Financial on XXXX XXXX regarding a late payment that was reported for XX/XX/2022. Representative researched issue and stated I have never had a late payment on this lease, that it has to be credit bureaus issue. She gave me the phone number for the credit bureaus but was unable to reach a real person.
|
| 01/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Toyoyta financial Refuses to remove a charge off account from my credit Report for XXXX I filled out a id theft afadvat and filed a police report as well I do n't own a balance and my old address is XXXX XXXX XXXX XXXX nj XXXX not my current adresss of XXXX XXXX XXXX XXXX XXXX that this fraud debt is being reported under
|
| 10/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
This letter is to notify you that I no longer am disputing this account and that the balance of this account should reflect a zero balance on my credit report.
I paid this account directly to XXXX XXXX over a month ago. I am in the process of getting a mortgage and this account is holding me back from getting approved.
|
| 02/22/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due as of XX/XX/2014, XX/XX/2014, XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 11/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Toyota dealer from XXXX in illinois, charged me a down payment to order the car. However the car was not delivered the time they had agree. When I asked for my downpayment of XXXX back because I no longer needed the car, they refused to give back. They sold the car to someone else and I still dont receive my money back.
|
| 08/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 10/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I 've called Toyota Motor company to complain that the account has never been late past 30 days. They 've looked into their system and confirmed, yet the mark is showing 30 days late as of XXXX 2017. Please investigate and have them update all there credit report agencies. the amount past due at the time was {$430.00}
|
| 03/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that when I traded my car in, the company did not pay you in time.
|
| 01/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XXXX XXXX my bill did not go through TOYOTA MOTOR CREDIT CORP - account with 1 missed payment. I am kindly requesting TOYOTA MOTOR CREDIT CORP to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
|
| 11/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
1. Per CFPB File No. XXXX Toyota was supposed to pay restitution/compensation on subject settlement.
2. Although they called me back couple of times to verify name and address, no payments have been made or received.
3. Could please advise Toyota to initiate remedial actions. Thanks a lot.
XXXX XXXX ( XXXX ) XXXX
|
| 11/09/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
Toyota continues to report 120 day lates on my credit report even tough the date of last activity XX/XX/2009. This is illegal and needs to be addressed and rectified. I have tried multiple times through the credit bureau dispute process without resolution so I am asking you step in and make them correct the reporting
|
| 02/03/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The report shows that I was 30 days delinquent back in XX/XX/XXXX, however, I had an approved deferment for that monthly payment. However, back in XX/XX/XXXX, I sold the car to pay off the lease and close out the account, and the account is reporting negatively on my credit reports with the three reporting agencies.
|
| 03/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I received a late notice. My payment was mailed through the XXXX. The payment was lost by the post office. I informed Toyota that the payment was lost. They refused to remove the 30 day delinquent from my credit report. If you check my credit history I have never had a late credit fee or charge ever on any accounts
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
|
| 08/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
During the Covid pandemic ( XX/XX/XXXX - XX/XX/XXXX ), I was furloughed, unemployed & even XXXX XXXX twice! I requested lower interest or payments due to the financial strains on my family. I was denied & now have 12 late payments reporting on my credit report. I even requested those be removed, with no success.
|
| 10/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I've seen no changes for the accounts that I have filed last month. I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 09/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Reviewing my credit report and noticed that there was an account that does not belong to me and need it removed from my credit report. I am a victim of fraud and this is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).
Account : TOYOTA MOTOR CREDIT, XXXX
|
| 08/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX TO XX/XX/XXXX, AND XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 08/14/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 05/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX , XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 01/07/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I have repeatedly asked Toyota why my lease payment changed from {$390.00} to {$400.00} and also to waive accumulated late charges on account totalling {$420.00}. I have asked repeatedly why my monthly payment increased. The late charges occur because I missed XXXX payment cycle waiting for increase explanation.
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My Toyota Motor Credit account is reporting delinquent, but I am current and have never been delinquent on this account with Toyota Motor Credit. I called them twice today to confirm I have never been late and 2 different reps told me what I already knew which is the fact that I have been delinquent with them.
|
| 10/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are two hard inquires which I have never inquired. Because of this, my credit scores decrease 44.
I have called XXXX credit report compant. As per they said, I need to call directly in order for me dispute. However, there is no information to contact them and I have never authorized these two companies.
|
| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
please review these accounts that appear on my credit report, they do not belong to me and are hurting me.
Identity Theft XXXX CARD Account Number : XXXX This is not mine.
2. Identity Theft XXXX Account Number : XXXX This is not mine.
3. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine.
|
| 07/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
I have contacted the company and credit bureau twice in regards to this account and no response on the results or status. I have yet to receive original documents proving the the account is mines. This is defamation of character on their part and i am disappointed in this company for these inaccurate claims.
|
| 04/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have had an on going problem with this company. I have a 30 day late for XX/XX/XXXX which was not late. According to TFS my payments on this account were due on XX/XX/XXXX, the car was totaled out XX/XX/XXXX and the account was paid off as of XX/XX/XXXX which means the payment for XX/XX/XXXX was not late.
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
My credit report is showing late payments to TOYOTA MTR XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or TOYOTA MOTOR 's customer service representative.
|
| 05/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Toyota financial repeatedly calling all hours and with rude language, I do not have a Toyota, do not own a Toyota, I just got the phone number on XXXX XXXX. they call all hours and are rude and nastXXXXy, I have called trying to get my number off and to no avail, im going to file a lawsuit against toyota
|
| 11/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This account doesn't belong to me and I would like this company to update this information on my credit file in reporting accurate information to the credit bureau the amount is for {$10000.00} from Toyota Financial services which it says charged off but is reporting on my credit file and is inaccurate.
|
| 12/17/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
On XXXX/XXXX/XXXX XXXX XXXX. Is sending me letter trying to collect {$6300.00} dollars that is owed on a lease. I could n't pay for they lease anymore so I took the car and dropped it off at the dealership I bought it from. Since then they have sold the car and are still trying to collect money from me.
|
| 01/27/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In 2015 I brought a Toyota XXXX Toyota XXXX.They made me buy a new car knowing I ca n't afford it they also told me if I do n't buy a new car a can not get a loan. I 'm am a XXXX and they Also gave me a high interest rate I 've been struggling to pay from day one. I believe they discriminate against me.
|
| 04/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Toyota motor financing reported my XXXX payment late however I paid it on the XXXX day so reporting it 30 days late is inaccurate I spoke with the company the customer service rep was unable to see the full account on her screen she transferred me to the resolutions department to be told the same thing
|
| 08/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently found an inquiry from Toyota dealership that ran my credit! I verbally asked them not to run my credit because of the fact that I did not want a hard inquiry and obviously have my points go down! Nevertheless they went ahead without my permission and still ran my credit without my permission
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 11/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. I have contacted Toyota Motor Credit regarding a late payment on my credit account and they have yet to remove the 30-day delinquency from XX/XX/2022.
|
| 03/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
XX/XX/2020 XXXX is lacing my credit report with false entries again.
Toyota Motor Credit Corp/Toyota Financial Services is a CLOSED fraudulent account. XXXX is reporting missed payment-this is a lie.
XXXX is to delete all auto hard inquiries from unknown source entries. Clean up my report FCRA!!
|
| 07/26/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or went to a wrong address.
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Toyota financial services is not marking a payment I made on my credit report. Rather than mark my payment current it marked as ND which dropped my credit report XXXX points. I had extended my loan and was told that it would not affect my credit and even paid my car off before the extension was over.
|
| 10/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
Payments to Toyota Financial Services set up by me as auto BANK payments, however TFS has repeatedly charged late fees even though I have bank documentation of the date DELIVERED BY.
Fees are & gt ; {$35.00} for a monthly payments of {$750.00}. The next month an additional {$15.00} is charged.
XXXX
|
| 01/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 03/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
|
Once again, on XX/XX/19, XXXX misreported my Toyot Motor Credit account aa a chragevoff/bad debt, despite their [ rior cknowedgeent tht theccount Was properly paid off through Toyotas own gap insurance. Idontundertnd this brazenly bad conduct, This improper information has badly affected my credit.
|
| 01/03/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I DO NOT OWE ANY MONEY THEY ARE CLAIMING THAT I HAVE TO PAY TOYOTA MOTOR CREDIT CORPUSD XXXXI DO NOT OWE ANY MONEY TO TOYOTA. ALL DUES HAVE BEEN SETTLED AND THEY NEVER ASKED ME TO PAY ANYTHING OUTSTANDINGTHIS IS A FALSE CLAIM TRYING TO RIP OFFTHIS COLLECTION COY IS XXXX XXXX XXXX XXXX XXXX , FLORIDA
|
| 12/05/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
XXXX XXXX opened up a unwanted credit card with an address I dont live at. I dont own the XXXX anymore as I gave it back and that account was also with the wrong address. How is this right? I want everyone dropped. This is pretty much showing someone else. I dont even stay at the address they have.
|
| 03/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I reached out to the lender on multiple occasions regarding my financial hardship, I was deemed medically XXXX by my healthcare provider, I was unable to work and no longer could sustain a living. The repossession was incorrectly reported on my credit report and I would like it removed immediately.
|
| 02/05/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Upon reviewing my credit report I noticed that an account with Toyota auto financing was taken out I did not apply for an account nor did I give anyone permission to open an account with my information. I am a victim of identity theft and I have made a police report with my local police department.
|
| 04/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
|
I cosigned on a vehicle for my son. Originally the dealer put the loan in my name with my son as to co-buyer. After I discovered this I had the dealer redo the loan and put my son as the buyer and myself as the co-buyer.
The dealership did not file the corrected loan paperwork with Toyota Finance.
|
| 04/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Report Number : XXXX XXXX Date Generated :XX/XX/2019 Account Name TOYOTA MOTOR CREDIT CORP Account Number XXXXXXXX Toyota has me listed as an account holder on this account, i was not an account holder of this account and am formally requesting this account be removed of of all 3 bureaus thank you
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
account ending in XXXX and opened XX/XX/2015. Believe it was a XXXX XXXXXXXX XXXX XXXX This was repossessed without discussing options to pay or recover. The company refused to provide proof showing attempt was made to sale vehicle at fair market value and balance remaining in report is excessive
|
| 01/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX is reporting my account inaccurately. I have submitted documentation through the three major credit bureaus to have this information updated and nothing has been fixed. They are reporting my account as an individual account, however it was a joint account where I was the co-leasee.
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I attempted to notify these companies of the proven ID theft I was a victim of with my FTC report and I did not even receive responses from most of the companies who allowed fraudulent accounts opened in my name.
I am now notifying them and you publically of the error and asking for removal NOW.
|
| 11/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
i financed a toyota vehicle with toyota finacial services, they included a gap insurance, tire insurance and many other perks staying that that was part of the loan, when i went back to cancel this they told me they cant only by summiting in writing witch i did, but never received my refund back
|
| 11/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have credit monitoring and I just got alerted that as of the day of this complaint, XX/XX/2022, XXXX alerted me of a new hard inquiry from XXXX XXXX XXXX.
I can 100 % confirm that was NOT me. I have a car and I have been working all day.
This is clearly fraud and I need this removed ASAP!
|
| 04/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 03/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I do not have a current contract with company. Old contract was terminated due to company 's retaliation/ negligence/XXXX. I asked company via certified mail to cease and desist. I do not owe anything. They are giving the credit bureau the incorrect information. Not providing any proof of this.
|
| 05/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
the company " TOYOTA MOTOR CREDIT '' reporting on my account, replied to my dispute with a notice for deletion of said acct for XXXX.. but refuses to report the same information for the other 2 bureaus i.e XXXX and XXXX with updated information for the acct to be " deleted '' or " suppressed ''
|
| 09/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Toyota Motor Credit is reporting that my auto loan was delinquent in XXXX of 2017. It was not. I have asked Toyota to correct this mistake on my credit report, but they refuse. I am attaching a copy of my payment history on this account, which clearly shows that the account was not delinquent.
|
| 12/05/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
Vehicle was repossessed only after company failed to explain and offer payment arrangements.
Once vehicle was sold, remaining balance was significantly more than it should have been.
Company refused to produce documentation showing that reasonable attempt to sale at value ever took place.
|
| 01/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I financed my auto loan through Toyota Motor Credit Corporation of XXXX 2015 and was later informed that minorities ( XXXX XXXX, XXXX and XXXX XXXX ) paid higher interest rates then those of XXXX consumers. Which upsettingly has been admitted and confirmed by Toyota Motor Credit Corporation.
|
| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Everytime i purchase that involve credit report, that Toyota Motor Credit {$5100.00} still shows in my credit report everytime i refinance the house or car or purchase a product. That {$5100.00} has been paid off 2 years ago and i even called toyota to take out that report but still shows..
|
| 07/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
in accordance with the fair credit reporting act XXXX, this account has violated my rights.
15 USC 1681 section 602 states i have the rights to privacy 15 usc 161 section 604 a Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
|
| 08/28/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I am surprised to see a late payment reporting in XX/XX/2017 from Toyota as far as i'm concerned all my payments have been made on time. I have made requests from toyota to show me when they received the payment which would have caused this late to occur I have yet to receive a response.
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
They have marked me for late payments that are not true. The times that were marked late, I made payments for which they were having trouble processing my card but my card always had money. It was in their part and I spoke to representatives on the phone multiple times about this issue.
|
| 11/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX {$52000.00}. They required a down payment which is illegal according to the dealer breached parts of the lender guidelines 15 USC 1635 and 15 USC 1662. At this time, I am requesting a refund of the down payment and closure of the loan with payoff at a lost to the company.
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite multiple written requests, the unverified account listed below continues to report on my file. The late payment is inaccurate, the payment was made on time. Please update the late payment markings to show the correct payment history. Update the account below : TOYOTA MTR XXXX
|
| 01/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Please review attached. Toyota Financial Services approved a bogus auto dealer fraud loan on me by XXXX XXXX. XXXX XXXX charged me on new loan ( added ) my trade {$4600.00} to price of newer car ( THEY STOLE MY XXXX XXXX XXXX!! They charged me for a new XXXX XXXX XXXX {$19000.00}.
|
| 11/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Older American |
|
XX/XX/2019 PLEASE READ ATTACHED. CONSUMER FRAUD.
Contract says simple interest and it is 30 % interest!!
I need a NEW CONTRACT written or a refund of my car payments and refund {$4600.00} on my trade in.
This is illegal and a big mess and taking advantage of a senior-elder abuse.
|
| 10/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have an auto loan with a company that i have never been late on and they are showing a 30 day late pay on my credit report. I paid the amount that was due over the phone and they assured me that it was on time and not late and would not report as a 30 day late on my credit report.
|
| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have taken action since XXXX, when the total loss happened. The XXXX XXXX was to pay the entire note, which it did. I was unaware of the last payment that was due on my end and has since paid the balance. I have asked for an update or for the reporting to be deleted. Thank you
|
| 08/20/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was surprised when I was looking over my credit report. I found a late payment for the following date : XX/XX/2018.
I don't know how this has happened. I feel I have made my payments to you when I got my statements. My only thought is that my statement never actually got to me.
|
| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was told in XXXX that XXXX XXXX XXXX was going to be remove.
Now I'm looking and I call and spoke to a XXXX he stated that my copy wasn't matching with his. And i should forward the original copy. again, I have call numerous times and still they give me the same round around.
|
| 05/21/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Back in XX/XX/2019 it was a computer glitch in the system and it had me being 30 days late in which im current now as you can see and has been paying my bills on time every since i would like for them to remove the late payment and they dont want to do it so i need you all helps
|
| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Toyota Motor Credit is in violation of the Fair Credit Reporting Act. 15 USC 1681a ( 2 ) ( 1 ), the term " consumer report '' does not include any report containing information solely as to payment history or utilization between the individual and the company making the report.
|
| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
this account is closed with a XXXX balance I had to file for bankruptcy because Toyota kept harassing me over the phone and sending people to my house Toyota keeps ignoring my request and keeps hanging the phone on me all of this has caused me emotional stress and XXXX issues
|
| 09/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit report and score have a major impact on my financial opportunities. Toyota Financial services reported inaccurate information to credit bureaus multiple times. TFS investigated the issues and agreed to fix the inaccurate reporting. However no compensation was issued.
|
| 07/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 06/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 06/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 06/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 06/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 12/18/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2020 Deficiency Notice is Void and unenforceable, please read attached.
No Notice of Sale on XX/XX/2020 ( 10 days prior to sale ) and voluntary repossession was not commercially reasonable for reasons stated in the attached. Deficiency Notice is void and unenforceable.
|
| 01/11/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
This is an addendum to reopen claim:XXXX Attached please find consent from my mother giving permission to represent her interest in this matter. She does not speak English and her health is delicate as a result of a XXXX. Therefore, she has assigned me to speak on her behalf.
|
| 08/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Toyota Financial Services makes it extremely difficult to prepay principal forcing me to pay the full finance charge even when I make payments in excess of the amount due. I feel this is unfair and deceptive as I am paying interest on funds that they have the money to payoff.
|
| 04/25/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I pay all my payments but now they are paying me ghostly charges that I do not know what that {$260.00} colleague is and they say that if I do not pay them they will send me to collection and I do not know what to do because I paid too much for the ( Breach ) of 2017 of XXXX
|
| 10/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I CA N'T PAY THE DEBT BECAUSE I WAS UNEMPLOYED AND COULD NOT PAY THE DEBT WITH MY UNEMPLOYMENT BENEFITS. I WAS NOT PAID BY TOYOTA MOTOR CORPORATION ( THEY/THEM ) THE RECALL MONIES EITHER AS I WAS TOLD THE CLASSACTION LETTER THAT THEY SENT ME AFTER I CALLED AND WROTE TO THEM.
|
| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
TFS has yet to remove a 30-day late payment on XX/XX/2021, I have tried to present the statement showing the error on their end where they made a mistake, but the chages were never made and nothing was updated. In XXXX, it will say updated but 30-day mark was never removed.
|
| 04/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Toyota financials had incorrectly reported XXXX late payments on my account.
when i called they removed XXXX late paymeents, another XXXX payments are still showing as 30 days late and were never late by 30 days.
i mailed and called XXXX times and still its not reversed
|
| 10/17/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was really shocked when looking at my credit report and found a late payment on the following date : XX/XX/2018 I don't even know how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
|
| 11/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
|
| 07/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I ve been victim of identity theft and I have tried to alert the companies of my issue as well as the bureaus of credit and no one is giving me an answer I have submitted letters to the bureaus stating that I dont recognize this inquiries but they are still in my report
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
During Covid I contact the Company informed them we want working Doing that Time 4 late payments was still reported to all major credit Burea according to the Law 15usc 16815-2 ( a ) ( 1 ) ( cp ) all information During Covid Should be reported late on my credit report
|
| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Contacted Toyota and they do not have information on the loan and Toyota reports account closed but assigned to a collection agency but have not reported collection agency to credit bureaus please correct collection agency or delete from all 3 credit reporting agency.
|
| 11/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
ACCOUNT FOR TOYOTA MOTOR CREDIT CORP.. ( ATTACHED ) XXXX WAS OPENED IN XX/XX/XXXX AND CLOSED ON XX/XX/XXXX ITS BEEN 7 YEARS ALREADY AND THIS ACCOUNT ITS HURTING MY FICO SCORE, NOT LETTING ME BUILD MY CREDIT AND AT THE SAME TIME VOIDING ME THE PRIVILIGE TO BUY A HOME..
|
| 09/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with TOYOTA MTR. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and TOYOTA MTR with no successful resolution. There was definitely an error on their part.
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello I am actually reaching out due to a account that was opened and is fraud with you guys. I have sent in supporting documents over three times now and still have no resolution. This needs to be corrected as soon as possible as it is affecting my living situation.
|
| 08/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with these lender .. this was ran through a third-party with out my permission for these particular company thanks you
|
| 09/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've contacted Toyota Financial and the credit bureaus requesting them to remove two vehicle loans that are now closed but reflecting late payments ; however, my divorce decree property settlement states my ex-wife is responsible for these account balance since 2013.
|
| 10/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
Toyota Financial Services is incorrectly applying schedule payments. Every month I have informed customer but aren't getting anywhere. XXXX XXXX XXXX as record of all schedule payments including Principal payments. Principal and regular payments are mixed together.
|
| 09/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I called XXXX XXXX to discuss removing the late payments marks on my file. They told me they couldn't and they were valid. However, the charges and amounts are invalid. The principle they say I have to pay has other balances that are not to be paid by the customer.
|
| 07/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
I XXXX XXXX sent a money order for the remaining balance of the car loan for XXXX on XX/XX/2023.
It is XXXX and the credit has not been applied to the account.
Ive sent various emails reflecting and discussing this scenario. Now Account is passed its due date.
|
| 02/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XX/XX/XXXX I spoke to someone with Toyota Finance about the end of the lease payment in XX/XX/XXXX and XX/XX/XXXX that the total should not be XXXX.
It should've been the total XXXX I was told they would check into it and get back to me but they did not do so.
|
| 08/16/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
The leasing company did not report the payment debited from my checking account, I made the claim but they insist on the non-payment and with reporting my credit to collection agencies, I have evidence of payment and even statements where the payment is recorded
|
| 06/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks TOYOTA MOTOR XXXX, XXXX, XXXX, XX/XX/XXXX - XXXX & XX/XX/XXXX XXXX
|
| 10/15/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX called saying they were XXXX XXXX to collect debt of XXXX that was not obtained by Toyota Financial from my XXXX XXXX. Once I mentioned I have heard nothing about this and would check with Toyota first, they put me on hold. Name of individual was XXXX XXXX.
|
| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I sent a letter dated XX/XX/2023 asking Toyota Motor Credit to Remove an inaccurate item from my credit report. They didn't respond and therefore it needs to be removed. It is severely damaging my financial life and making it difficult for me to acquire credit.
|
| 07/01/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I had this vehicle voluntarily reposessed in 2019. I didn't end the Lease early. Also, the dealership, XXXX XXXX XXXX XXXX, lied to me when they told me the second lease after the first leased vehicle was terminated and said it was a continuation of the lease.
|
| 11/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Please correct/remove the late payment in XX/XX/2019 for 30 days. I don't recall being late on this date because I was checking my bank account and noticed that the money was always drafted from my account religiously and it's impossible to be even a week late
|
| 05/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Auto loan was originally opened with myself as co-signer, vehicle was not in my possession. Primary refinanced vehicle to have me removed from auto-loan. As of today, reporting is not up to date and reflecting incorrectly having my name attached to loan still.
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
I went to get a car from Toyota and ran my credit a total of XXXX times, I have them {$2000.00} in cash as a down payment. XXXX days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan.
|
| 03/01/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Ive attempted to reason with the defendant regarding this debt, defendant repeatedly attend to collect my debt under fall and misleading information and representation. defendant failed to provide proof of the original creditor in the affidavit attached.
|
| 07/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
Toyota Financial Services reported my account as closed when the loan was paid in full. This has caused a decrease in my credit score rather than an increase. I attempted to resolve this matter with TFS but they insist on reporting the account as closed.
|
| 12/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I am writing to you regarding my vehicle, a XXXX XXXX XXXX that I purchased from XXXX XXXX XXXX dealership, on XXXX XXXX XXXX Recently, I have learned that I have had an extended warranty included in my loan AND other charges without my express consent.
|
| 08/05/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I leased a vehicle for 3 years. I paid every month by the due date. My report shows that I was 30 days late on XXXX 2012. I paid {$370.00} every month for 36 months. I did not miss a payment. I would like to dispute that I was 30 days late on XXXX 2012.
|
| 06/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I signed a promissory note that required 60 payments of {$570.00}. All 60 payments were made as agreed and on time as I had my account on ACH. I am now being pursued for an additional {$26.00}. They are harassing me at my POB for payment of this amount.
|
| 10/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I paid this account off through XXXX XXXX and it is still not updated as paid. I am in the process of purchasing a home and this is holding me back form getting approved. I have called several times and no one has been helpful in getting this resolved.
|
| 09/27/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent this company letters over and over again since XXXX, 2017 and they have yet to provide me with anything with my signature. These are the certified mail tracking numbers XXXX along with numerous of other attempts to remove this invalid debt.
|
| 06/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
Toyota reported a late payment in XXXX. I called and spoke with several representatives, and supervisors in an effort to get this removed. I was in the hospital from XXXX 2023. This can be easily verified. No exceptions or empathy for its " customers.
|
| 04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
After viewing my credit report I noticed that this item is reported inaccurately. The FCRA Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified.
|
| 03/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/2017 I traded a XXXX XXXX XXXX for a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX CT. The dealership fail to send pay out payment. Do to this my credit reflect a 30 late payment. which is inaccurate since I was no longer responsible for the loan.
|
| 03/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/2017 I traded a XXXX XXXX XXXX for a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX CT. The dealership fail to send pay out payment. Do to this my credit reflect a 30 late payment. which is inaccurate since I was no longer responsible for the loan.
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX Toyota Finacial Services They are projecting in accurate information on credit report as I attempted many time to negotiate our deal as I was impacted by covit19. Creditor did not considered my situation and proceeded to repo
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of Identity theft. I did not authorize anyone to use my personal information and credit cards to make transactions with this company. This account should stop and block furnishing information to any credit reporting agency immediately.
|
| 10/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I set up a recurring payment on my auto loan that was set to withdraw my monthly payment from my bank account on the XXXX of each month beginning XXXX XXXX 2016. Toyota Financial began withdrawing money on XXXX XXXX 2016, which I did not authorize.
|
| 10/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
TOYOTA FINANCIAL SERVICES XXXX The company is reporting inaccurate information on my credit report. There should be NO LATE payments reporting as I was approved for an Extension on my loan. Please review my file and correct the errors immediately.
|
| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
TOYOTA MTR, has been reporting inaccurate information on my consumer reports. Date opened, high credit amount, last reported and comment sections between XXXX, XXXX and XXXX are all different and inaccurate. Please remove from my consumer report.
|
| 10/19/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
After Repo I would like records of how much vehicle was sold for at auction and adjust left over payments if information not receive in 30 days please remove off credit report because it is reflecting my credit score to purchase another vehicle.
|
| 08/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Toyota financial services received refund from service contract cancellation in the amount of {$1600.00} on XX/XX/2018. The monthly payment for the car was {$330.00}. TFS applied {$1600.00} towards principal and reported 30d late on XX/XX/2018.
|
| 03/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
I have attempted to contact the Toyota Motor Credit Company regarding the settlement ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The settlement administrator has not responded to the claim I submitted or status emails.
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Still showing unpaid on my credit of XXXX contact several time and its like nobody know anything about the car loan lease which is affecting my credit because its still showing u owe which I dont been getting the run around since XXXX of 2023.
|
| 03/30/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I am trying set billing up on government/military allotment and the rep told me he didnt know what I was talking about. I ask him to do his job and research because I saw information online. I needed to verify that the information was correct.
|
| 02/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I contacted Toyota Motor Credit Corp explaining that I never received a Notice of Disposition which is federal law UCC 9-611 ( B ). Toyota responded with a letter that I Disputed the accuracy of the account and that's not what I asked them for
|
| 06/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 06/04/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 05/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 10/22/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was shocked when reviewing my credit report and found a late payment on XX/XX/2018.
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
|
| 09/08/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Toyota Financial Services called my workplace and spoke to my co-worker and told him she was allowed to call me at work and that she was calling because I was behind on my payments on my car. The Representative 's name was XXXX and ID is XXXX
|
| 11/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Ok I had a lot of problems canceling my extended warranty and I didn't get 100 % of the total and they stole my payments, they didn't apply them to the loan and they reported me late payments and they also sent me to collection for no reason
|
| 06/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 05/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 12/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 11/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 09/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 02/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 09/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have made it very clear in back and forth email to auto loan Toyota Financial Services authority that if I make an extra amount over over regular payment, it should be deposited in the principal loan amount. But, they have decided not to.
|
| 12/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On XX/XX/XXXX my car was repossessed..
When I set up arrangements and they stated I didn't. There was repossession fee of XXXX XXXX dollars storage fee each day it was storage.Also, a XXXX dollars possess fee. This is unlawful practices!!
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 08/06/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 07/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 12/18/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
XXXX continues to report accounts on my credit report every month as late and the following accounts are not active. I have disputed with XXXX to STOP reporting false information on my report and they continue to report false information.
|
| 05/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I see multiple 30 day late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 12/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have tried to talk to a supervisor and they hung up. I have told them to put in my record for any extra payment should be going to the principal and since I pay about every two weeks that the interest and principal should be different
|
| 10/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a new Toyota on XX/XX/2020 as well as GAP, an extended warranty, prepaid maintenance, and tire and wheel. I am trying to cancel these in a timely manner to avoid interest charges. Toyota is making it very difficult to do so.
|
| 10/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I had an auto loan with Toyota Financial, I settled my debt with them but Toyota still reports this account to my credit report. This account is too old, please stop reporting it to my credit report. Thank you very much for your help!
|
| 01/07/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Company Toyota motors : debt amount XXXX Account was open fraudulently I filed a complaint with identity theft I want this account removed from my report immediately my name was even spelled incorrectly it was opened XX/XX/2017 2017
|
| 05/21/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately reinvestigated. These inaccuracies are highly injurious to my credit rating
|
| 06/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Dear team I had a car from Toyota in XXXX and it got burnt and the police report testifies and says that there is no quasi-criminal and it had insurance from Toyota and from the XXXX XXXX and where compensation has not been paid yet
|
| 10/31/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Toyota Motor Credit XXXX XXXX disputed item for {$3000.00} XXXX XXXX sent debt validation letter XXXX XXXX mailed certified letters information about debt XXXX XXXX mailed letters to attorney general with log sheets of actions taken
|
| 12/07/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
The account in question in discussion is Toyota Motor Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was unable to make the payment due to Covid As soon as I was able to I did make the payment immediately.
|
| 09/20/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is harassing me and extorting in the name of Toyota company they say that I owe them and for me that deals with scam they are sending me aggressive letters and bulgars when they call me I need them to stop harassing me
|
| 01/21/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I asked for GAP insurance but was blindsided with a cheap warranty from XXXX. Now that the lease is totaled out by my insurance, XXXX wants me to payoff the remaining XXXX dollars that my GAP insurance was supposed to have covered.
|
| 12/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
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I have had numerous conversations with XXXX XXXX XXXX has failed to give me Finacial hardship assistance and XXXX trying my hardest to make my payments the economy has impacted my income and reported me late for the last 3 months
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| 03/29/2021 |
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- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Toyota Motor Credit has taken the money from my bank account, but refuse to apply that money to my balance.
I have called four times regarding this issue, all I get is a stalling tactic of " it will happen in x number of days ''
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| 05/24/2017 |
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- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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On XXXX XXXX i went to buy a new toyota XXXX and i was ripped. I have asked why they sold me a truck that was XXXX XXXX and gave it to me for XXXX they told me it was so help with my credit but i have perfect credit
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| 08/20/2023 |
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- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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At least since XX/XX/2021, the Defendants have engaged in a scheme whereby they issue Auto Loans to consumers and then seek to collect the amounts allegedly due to them which are not legally due to them.
SEE ATTACHED DOCUMENTS
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| 09/27/2022 |
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- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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I APPLIED FOR FINANCING TO OBTAIN A VEHICLE, THIS COMPANY RAN MY CREDIT OVER 7 TIMES, REFUSE TO APPROVE OR DENY ME THE LOAN BECAUSE I WILL NOT PUT ANY MONEY DOWN, XXXX IS IN VIOLATION OF 15 USC 1611 IN THIS CONSUMER TRANSACTION.
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| 07/17/2020 |
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- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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I see 30 day late marks which are a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately
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| 05/28/2020 |
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- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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The company lead my account to repossession because they believed that the payment was missing and it was their own responsibility and duty to address the payment issue when the payment was on autopay each month for the car loan
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| 06/14/2023 |
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- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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I made 3 monthly payment in advanced in amount {$1700.00}, on XXXX towards principle from the first year of the loan and it was not applied to the principle til towards the end of the loan. Interest was not calculated properly.
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| 05/18/2023 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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- Problem with customer service
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XXXX XXXX XXXX XXXX XXXX XXXX} With Toyota Financial. I have asked for an extension.They reported late. Two weeks later they keep sending me letters that it was their fault. I wan na see if I can get those late payments removed
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| 10/08/2021 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
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| 05/03/2021 |
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- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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VEHICLE IS UNRELIABLE. HYDROGEN STATIONS ARE ALWAYS DOWN, AND THE CAR DOES NOT WORK. XXXX XXXX XXXX. PURCHASED XX/XX/XXXX.
XXXX : XXXX XXXX 's Year and Model : XXXX XXXX COMPANY REFUSES TO REPURCHASE VEHICLE OR ALTER THE LOAN.
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| 05/23/2020 |
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- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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2. I see 30 late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
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| 12/09/2021 |
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- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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XXXX XXXX in XXXX and the XXXX XXXX XXXX XXXX XXXXt and the Towing Companies did not inform me where my car was impounded. I thought it was stolen while it was parked in front of the home I was living at on XXXX XXXX and XXXX
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| 04/29/2020 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Servicemember |
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I have been file reports fraud to credit bureu and also the compnay for years, i am taking this last action before i file a civil lawsuit this is not my account and i have spent countless hours working on this with no resolve
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