Consumer complaint received 2019-07-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
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.

Company response to consumer: Closed with explanation