Consumer complaint received 2023-02-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
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.

Company response to consumer: Closed with explanation