Consumer complaint received 2023-01-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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.

Company response to consumer: Closed with non-monetary relief