TOYOTA MOTOR CREDIT CORPORATION

2015-09-02

Staten Island, NY

Managing the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-02

Las Vegas, NV

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

Cedar Hill, TX

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

MA

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-28

Cambridge, MA

Taking out the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-28

Brisas De Canovanas, PR

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: TOYOTA FINANCIAL IS REQUESTING PAYMENTS THROUGH EXEMPT FUNDS OF UNEMPLOYMENT INSURANCE.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-21

Memphis, TN

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

Chestnut Rdg, NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-17

Addisleigh Park, NY

False statements or representation

Debt collection: Auto

Attempted to collect wrong amount
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-17

South Florida, FL

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: 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.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-12

Foothill Ranch, CA

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Temperanceville, VA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Unwilling to accept past due payments and repo fees. They will only accept full pay off of the loan and refuse to hear circumstances surrounding past due amount.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-08

Sacramento, CA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-06

Feasterville, PA

Managing the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

Plano, TX

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

Anaheim, CA

Shopping for a loan or lease

Consumer Loan: Vehicle lease

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-30

Discovery Bay, CA

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: 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}.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-30

Kansas City, MO

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-27

WV

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-24

Bellaire, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-07-22

Key Biscayne, FL

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed

Disputed: Yes Timely Response

2015-07-21

Oakland, CA

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-18

Lewisville, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-10

Savannah, GA

Problems when you are unable to pay

Consumer Loan: Vehicle lease

Complaint: 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
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-07

Hillsdale, NJ

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: Toyota Financial Services sent my account to a collection agency to collect lease termination fees even though those fees were paid XXXX XXXX 2014. The check was cashed by Toyota on XXXX XXXX 2014.
Company Response: Closed with monetary relief

Disputed: No Timely Response