Consumer complaint received 2023-01-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My car was totaled on XX/XX/2022 my insurance company, XXXX told me on XX/XX/XXXX they would text me with a link to follow and that my {$15000.00} settlement check would be in my bank account that day. Toyota Financial Services intervened and took the entire settlement amount after having reassured me on multiple occasions they would only take the {$24000.00} they were due for the payoff amount of the lease and that they would not interfere with my settlement from my insurance company. The total settlement was {$39000.00} they get XXXX I get XXXX but instead they took every XXXX and told me on XX/XX/XXXX that I would have my check for {$15000.00} in XXXX business days. Every person I spoke to at XXXX has lied, they have threatened me, put me on speaker and their whole office laughed at my plight. They told me that no supervisors were ever available for more than a month, they told me that my check needed manager approval because it was a large amount, they told me they didnt receive a check from XXXX XXXX XX/XX/XXXX but sent me a letter date XX/XX/XXXX thanking me for purchasing my leased vehicle through XXXX and that they sent the title to a 3rd party. Yet they continue to lie about when they were paid by XXXX. They sent another letter on XX/XX/XXXX saying they received {$39000.00} and that my net payoff ( which they were paid on or before XX/XX/XXXX ) is {$24000.00} and that they were mailing me a refund check of {$15000.00}. I called and asked when I could finally expect the check and was told again that a manager still had to authorize my check and that it would take several business days, I asked to speak with a manager and was told they dont actually exist and its a nebulous department. I asked for supervisors and was told no, I called again and was told that my check was authorized and mailed on XX/XX/XXXX, after two weeks of phone calls someone there told me that no check number exists and that a photo would have been taken and would be on record and no such photo exists meaning they lied about managers, mailing a check etc then they started adding layers of security when I would call, now suddenly needing an account number before they could talk to me even though until then calling from my phone was enough for them to know exactly who I was and what department I had to be transferred to. Finally I was told that a resolutions department exists and I was placed on hold to speak to them, while holding someone from resolutions jumped on the phone and in a very aggressive, threatening manner said that they were recording and listening to every word I say and that I should be careful how I speak to them, I said fine Im recording too then and she got even more aggressive and threatened to hang up and then did hang up. I called the next day and the person I was speaking to put me on speaker and I listened while the rest of her office laughed and ridiculed me, when I called her out for it she took several seconds to make it back to her phone, realize she didnt hit the mute button and tell me that she was listening, while still laughing. Then two days in a row I was assured by resolutions supervisors that my check was going to be overnighted to me but it would again take several business days for a non existent manager to approve the check. The second day I was told that it had been approved and that she was going to help me get my check sooner than I was told, I was told it would arrive no later than Monday XX/XX/XXXX at XXXX XXXX XXXX and that she would make sure I got it even sooner than that. The next day I was transferred to another supervisor, said his name is XXXX and that everything the resolutions people told me was also a lie, XXXX will not under any circumstances overnight my check and that it will take weeks. I have begged and pleaded with them since the start. I suffered a XXXX  in the crash and have been suffering XXXX XXXX XXXX  symptoms ever since, it was a front end collision and no air bags deployed. It took me several weeks to recover enough to get out of bed, at this point I have no car, no income and no ability to work without a car. I have had no income since the accident, my credit score was over XXXX and I never missed a payment on anything, Im now in the process of being evicted, my credit has fallen over XXXX points, my credit cards are now mostly maxed out and I dont even have the cash to pay the minimum balance on a single card so I can feed my family. Furthermore when and if I finally get this check I will not be able to buy a car, I will go to TFS and ask for credit and they will say no because I havent paid my bills for XXXX XXXX or XXXX at XXXX, they agree with this assertion. They and Toyota Motor Company have destroyed my life, physically, emotionally etc I was told by medical professionals to avoid stress at all costs due to my neurological injuries and instead I have been pushed beyond any persons breaking point, threatened and ridiculed along the way while also being lied to by every single person I spoke to. At this point I wont be getting my check by Monday obviously, nor will I get it in XXXX according to the last person I spoke to, who actually told me that he was going to make me his number one priority, I said great how can I get in touch with you, he said I cant and that all he can tell me is his name is XXXX and hes a supervisor in XXXX Arizona and if I just call the National XXXX number that he will occasionally check to see if I ever called and if I did I can rest assured that he will eventually get in touch with me. These people are criminals, they operate like a cult, they even threatened to coach the employee who made the mistake of telling me the truth about the XX/XX/XXXX check that they never issued yet continue to lie and say they did. I was originally told I would have my check by XX/XX/XXXX, then just after the holidays, then that it was in the mail, then that it would be reissued and overnighted only to be told that every single statement flies in the face of corporate policy, yet they insist they mailed a check. If I stole {$15000.00} from them I would be in a prison cell, if I owed them {$15000.00} they would strong arm me in every way possible and include the option to wire them their money immediately, yet they are the criminals and thugs and nobody can or will do anything to stand up to these financial terrorists. And yes I want this published, I will not rest until they are held accountable

Company response to consumer: Closed with explanation