Consumer complaint received 2017-10-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX in XX/XX/XXXX. I have bought several cars from this company and have never had a problem and have never had a late payment on my credit. Period. 

1. From the beginning I requested that they change the payment date to the XXXX of the month from the XXXX since I have several cars and businesses to track. I asked repeatedly but this still has not been fixed almost 2 years later! 

2. I did not receive a bill from XXXX in XX/XX/XXXX and called into to see what was going on. They said they would send a new bill ( never got it ). Asked again to have payment date moved and was not handled. Finally got a supervisor and they said it had been fixed! 

3. Got a call from XXXX XXXX saying that my payment was not received. I told them that I never got a bill and would gladly pay. They told me they were going to send a double bill and just pay the double bill like usual. I was under the assumption from the last supervisor that my bill was now due on the XXXX not the XXXX since I still didnt receive the last bill. 

Also, was never told that if not received by the XXXX ( not the day I requested billing and told by management was fixed ) that they would hit my credit with a late charge. 

4. Sent payment in on XXXX XXXX for the double bill under the direction of TFS that the payment date was now the XXXX. 

5. Receive a credit alert that I had a late payment on my account. Called TFS and they stated that the billing date was the XXXX ( still not fixed ) and that the payment was late. I told them I sent it on XXXX XXXX but it hit their account on XXXX XXXX ( still within grace period I was told that I had ). Come to find out that the XXXX payment was due on the XXXX but that the 2nd payment was not late because it was within the grace period. 

My issue is that the service rep that called me to tell me about not receiving the payment never told me that the XXXX payment had to be in on the XXXX. She said pay the double bill as usual. I was misguided by Toyota. 

6. Called into Toyota and told them this is a mistake, pull the phone call, etc. They made me write a letter to them, which they came back and just denied with no answer and no research into call, etc. Called into dispute their denial of Goodwill letter and got no where, no call back, no pulled telephone calls of them explaining it to me, me requesting a new bill and payment date of the XXXX. They did nothing! 

7. Followed up again several months later after it negatively affected my credit ( only negative mark ) and requested them to take another look since it was not followed. Toyota Financial does not want to take any responsibility in their lack of care and negligence for giving me incorrect information regarding payment dates for double payment to avoid, not fixing my payment due date and not looking into the matter fully. They are now saying that they ca n't pull the calls because it is over 90 days and are completely flippant in regards to handling this matter that is negatively affecting me due to their negligence. 

All I want is an independent review, pull the calls, show me evidence that they fixed my payment date as requested, did n't tell me inaccurate information on due dates, etc. They literally do n't care and have a duty under the law to investigate their mistakes further that led to this issue.

Company response to consumer: Closed with explanation