Consumer complaint received 2022-06-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I am disputing a final amount owed of {$300.00} with Toyota Motor Credit. The included documents prove this. Recently, TMC reported me to a collection agency for this frivolous amount of {$300.00} without explanation or details and this is 2 years after the return of the leased car. I addressed the collection agency they hired, XXXX XXXX XXXX, and asked for any and all information regarding the breakdown of charges and or validity of this amount. XXXX dropped their claim and no longer contacts me. 

I have addressed Toyota Motor Credit directly by phone and in writing and they did not provide evidence nor responded to my request for a detailed breakdown of this {$300.00} debt. They ignored my request to provide anything I signed in writing, an agreement, or even the original contract of the lease that would detail this as evident. My last request to Toyota Motor Credit was XX/XX/XXXX via certified mail, 3 months ago, and still no response. 

Toyota has not only ignored my requests for details but can not seem to get their own details accurate as the have haphazardly and inaccurately reported the account as open, then closed, then open again, also not reporting the last payments received correctly and their dates and amounts have differed as well across all 3 major credit bureaus. I also addressed this with XXXX, XXXX, and XXXX and they only responded with the debt as being verified or once again, updated the date of last payment but not the accurate amount. Per the Fair Debt Collection Practices Act, I have the right to have my credit reported with 100 % accuracy or have it removed. I have provided more then enough evidence to them and here that there is NO AMOUNT OWED, and Toyota Motor Credit actually still owes me for credits and refunds never received on their optional insurance products per their own contract for early termination on Line # 38 of the contract. This document and my actual bank statements have been included here. The last certified communication with Toyota Motor Credit requesting resolution of their reported inaccuracies and my dispute is also included. 
This is fraudulent behavior and poor business practices of simply bullying the small guy with enough harassment in hopes of getting more money then they are owed. It is abusive towards a customer with proven credit worthiness and one that kept excellent payment histories as seen by my ALL of my credit records across the board. 

See Proof from the following documents : Amount Disputed {$300.00} with TOYOTA MOTOR CREDIT Acct # XXXX XXXX Customer disputes : NO REMAINING BALANCE OWED Attached Toyota Contract Lease Date XX/XX/XXXX included here. 

See Line # 3. And Line # 8 ( Amount Due at Signing ) PAID {$1900.00} See Line # 4 Your First monthly payment of {$460.00} followed by 35 payments of {$460.00} due on the XXXX of each month. 
The total of your Monthly payments is {$16000.00} Line # 5 OTHER CHARGES ( not part of your Monthly payment ) Disposition fee ( if you do not purchase the Vehicle ) PAID {$350.00} which is included in total seen on line # 6 Line # 6 Total of Payments ( Amount you will have paid by the end of the Lease ) ACTUAL AMOUNT OWED {$18000.00} CUSTOMER PROOF THAT DEBT was PAID IN FULL Attached Contract XX/XX/XXXX shows Trade-In and initial payment PAID at closing {$1900.00} ACTUAL BANK STATEMENTS with 37 timely payments PAID + {$17000.00} ACTUAL AMOUNT PAID {$19000.00} SIDE NOTE : I returned the Leased Car in excellent condition per the report and inspection with no overage in miles or bodywork. It was professionally detailed the day before I returned it. No cleaning fees needed. 

Toyota Contract : See Line # 38 ( No credit ever received ) ( Minus any credits /refunds for early termination on Optional insurance or other Products ) Extended Warranty and GAP Insurance was supposed to be prorated and refunded for the remaining end of lease per Internet XXXX XXXX XXXX XXXX XXXX Family Toyota. The amount was to be determined by that department. 
Discussions regarding this credit/refund were documented as follows after the Date of return per my records and phone logs to XXXX XXXX XXXX XXXX at XXXX and his Cell XXXX XX/XX/XXXX at XXXX am XX/XX/XXXX at XXXX pm XX/XX/XXXX at XXXX am ending with everything is done you should be getting that check in the mail from that GAP Insurance department.XXXX XXXXu XXXX XXXX XX/XX/XXXX at XXXX am XX/XX/XXXX at XXXX am XX/XX/XXXX at XXXX am XX/XX/XXXX at XXXX am NO CREDIT OR REFUND WAS EVER RECEIVED and Toyota still owes me this.

Company response to consumer: Closed with explanation