Consumer complaint received 2023-06-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I paid a total of {$3300.00} to Toyota Financial Services to reinstate my XXXX Toyota XXXX XXXX vehicle on XX/XX/XXXX. The same day that I used XXXX XXXX to send them a payment, I called their customer service department where they sent a release on the vehicle for me to pick up. I picked up the vehicle from XXXX New Jersey. Upon arriving back to Pennsylvania, I noticed once parked that there were not any inspection stickers on the vehicle. The same day I experienced electrical issues - the car would not start up once I parked and took my vehicle to XXXX XXXX Toyota in XXXX, PA to be serviced. Upon them fixing the electrical issues, I also had an inspection performed and picked up the vehicle on XX/XX/XXXX. At that time, I paid {$690.00} for the electrical issues and the inspection. On XX/XX/XXXX - I went back to have the issues on the inspection taken care of. I paid {$970.00} to XXXX XXXX XXXX in XXXX, PA for new tires and an oil change so I may receive my inspection stickers. Knowing that I could renew my registration online, I tried to do so and was notified that there was an issue as to why I could not renew my registration and I was directed to contact the XXXX. I went to renew my registration at XXXX XXXX in XXXX, PA where I was told there was an issue with my title. I was made aware that my title was not registered in the state of PA any more upon which I need to contact Toyota Financial Services to transfer over my title back into my name. At this time, I had paid for my inspection and the tires needed to meet inspection standards. The staff at XXXX XXXX suggested me to contact Toyota where I was told I needed to speak to the reinstatement department and transferred there by customer service. When I spoke with an agent from the reinstatement department, I was then told I did not have an account with them and to speak to customer service. This process went on for weeks from XX/XX/XXXX until the end of XX/XX/XXXX. I was constantly transferred between the two departments and the issue was not resolved. I was told that a manager would contact me within 72 hours and did not receive a call back. I would then call customer service again after 72 hours and be transferred again back and forth. At this point, I needed drive the vehicle to get to work and I was inconvenienced because I could not complete my application with XXXX or XXXX to generate more income due to my financial situation at the time and not being able to submit a valid registration and upload a photo of my inspection stickers. Ive tried for weeks and explained to the agents of Toyota Financial Services my situation that I needed them to transfer the title back into my name. I called customer service sometime at the end of XXXX and when I asked to speak with a manager in the customer service department, I was transferred to a Reinstatement Department manager who she then told me that I needed to speak with a customer service manager. I was given 2 tickets - one by the XXXX Police Department and one by XXXX Police Department for not having valid inspection stickers or a renewed registration. I have done everything on my part to try to resolve the issue. I reached out to the dealership XXXX in XXXX where I bought the vehicle from and their Financial Manager, XXXX, directed me to the Consumer Protection Bureau to submit a complain and also notified me that the reason the title was switched out of my name was because there was a processing sale on my vehicle when it was at the auction in XXXX New Jersey prior to my payment of {$3300.00} to reinstate the vehicle. The inconvenience has caused me to have severe financial issues being as though I could not generate additional income like I planned to keep up with my payments. On XX/XX/XXXX, the vehicle was repossessed and I am now told that I would have to pay the balance in full to keep the vehicle. If this issue had been resolved in the weeks that I have desperately contacted them to resolve the issue, I could have easily prevented my repossession by generating enough income to prevent my car from being repossessed again and would not be responsible to pay 2 tickets totaling up to {$400.00} because of a title issue I was not able to fix within my own power.

Company response to consumer: Closed with explanation