TOYOTA MOTOR CREDIT CORPORATION

2015-07-06

Occoquan, VA

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: 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
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-06

Savannah, GA

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-01

Chicago, IL

Managing the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-01

Brookside, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-30

San Francisco, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: 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
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-06-29

Foster City, CA

Managing the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Canton, OH

Taking out the loan or lease

Consumer Loan: Vehicle lease

Complaint: 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.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-15

Bristol, CA

Shopping for a loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-13

E Massapequa, NY

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-10

Charlottesville, VA

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-10

East Windsor, NJ

Taking/threatening an illegal action

Debt collection: Auto

Attempted to/Collected exempt funds
Complaint: 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.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-08

Savannah, GA

Problems when you are unable to pay

Consumer Loan: Vehicle lease

Complaint: 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
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Ogema, MN

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

Rncho Domingz, CA

Disclosure verification of debt

Debt collection: Auto

Not given enough info to verify debt
Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-01

Lewisville, TX

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-01

Rncho Domingz, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-30

PA

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Complaint: 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
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-28

Canal Whchstr, OH

Taking out the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-27

Maxwell Afb, AL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Wonder Lake, IL

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-20

Bedford, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-16

RI

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-14

Inglewood, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Bristol, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Bel Alton, MD

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Closed with explanation

Disputed: No Timely Response