Consumer complaint received 2020-01-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Auto Loan # XXXX VIA EMAiL : XXXX To Whom it May Concern : Since XX/XX/XXXX, I have been trying to expedite the purchase of my XXXX XXXX XXXX from Lexus to XXXX  XXXX XXXX. It has been nothing short of a nightmare. Here are the details. 

Loan approved through XXXX  XXXX XXXX Sent ALL requested paperwork to XXXX  XXXX XXXX including : Lessees Odomotor Disclosure Statement Lessee/Purchaser Acknowledgement and the Disclaimer of Warranties Authorization for Payoff and Title Processing Cashiers check to cover down payment and taxes Numerous phone calls have been originated by me to both XXXX  XXXX XXXX and Lexus on the following dates in an attempt to resolve : Lexus : XX/XX/XXXX ( XXXX ), XX/XX/XXXX, ( XXXX, XXXX ) XX/XX/XXXX ( XXXX ) XXXX  XXXX  XXXX : XX/XX/XXXX, ( XXXX ) XXXX ( XXXX, XXXX, XXXX  ), XXXX ( XXXX, XXXX, XXXX XXXX ) ;  XX/XX/XXXX ( XXXX, XXXX ), XXXX ( XXXX, XXXX ) On XX/XX/XXXX, there was a three way call between Lexus, XXXX and me the required documents were faxed twice by XXXX  XXXX XXXX and mailed regular mail by XXXX. 

On XX/XX/XXXX, I called Lexus and spoke to XXXX who informed me that they had not received any of the documents and in fact, had sent the two checks payable to XXXX XXXX XXXX in the amounts of {$22000.00} ( Consumer Credit Check ) and {$6100.00} ( Cashiers Check ). 

I was further informed by XXXX at Lexus that I should void said checks and resend from my personal funds in the amount totaling {$28000.00} and include the documents that have been line itemed above. Oddly, Lexus faxed me the documents that they claim were not received in time. 

Since this did not sound accurate to me, I once again called XXXX  XXXX XXXX to see if I could resolve. 

Immediately after hanging up with Lexus, I reached back to XXXX  XXXX XXXX Auto Loan Department. After a 45 minute wait, numerous discussions wit XXXX ( who was also attempting to find the right person/department ) I was put back in touch with XXXX, a manager of the department who Id spoken with on XX/XX/XXXX as referenced above. 

I explained the situation, XXXX referred to the prior months worth of notes and asked me to provide this detailed account of my issue. 

At this point, she is as exasperated as I am. I have two checks, a bunch of documents and no answers. 

On XX/XX/XXXX, I spoke to XXXX XXXX XXXX -XXXX  who referred me back to XXXX who referred me to XXXX who referred me back to original loan officer XXXX XXXX . I left a message for XXXX. Note still unresolved On XX/XX/XXXX, I received an alert that Lexus was reporting me for unpaid lease invoices fir 3 months! 

On XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX XXXX , re-explained everything again. She didnt know how to handle and was submitting an escalation request to funding dept. she said I would hear from someone in 2-3 business days. As of today, I have heard from no one from XXXX  XXXX XXXX On XX/XX/XXXX, Lexus Financial called. XXXX wanted to know where the documents were. He reported to me that Lexus notated account that no documents had been received. And furthermore, they would not address the erroneous mark on my credit until this matter was resolved. 

I re-explained the history. He put me in hold and When he came back on the line informed me that Lexus had the documents. I should send the checks to Lexus and provided me wirh a mailing address. 

Now, the next problem is that the amounts to Lexus are not correct. Money is due back to me from XXXX XXXX XXXX since Ive been paying installment loan since XXXX. 

I have to request reimbursement back from XXXX  XXXX XXXX Can someone please expedite this to someone who can help me resolve this issue? 

Thank you for your attention to this matter. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation