Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NE)

I sincerely hoped I would never have to write this. From buying my first Toyota XXXX  years ago to buying my Lexus XXXX  in the last six months, I have always had incredible experiences with both Toyota and Lexus (owned by Toyota). The vehicles have been fantasticsome of the best Ive ever owned. But, as weird as it might sound, Ive purchased my last Toyota or Lexus. 

At this point, I can genuinely say a car company has never completely terrorized my family and me as much as Toyota Motor Company has. What Toyota has done to me has ruined my family and my mental, emotional, and physical health. Ive been so distressed that Ive had intense XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I cant even describe how awful it has been. The worst part is seeing what its doing to my family. 

Since this all started, my wife, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX terrified for our financial future, and overwhelmed by what has happenet and. 

Toyota and Lexus (to be clear again: Lexus is a Toyota company) have incorrectly documented my phone number, billing address, and information. Ive been lied to, Ive been deceived, Ive been treated like trash, Ive been pressured, my credit has been dishonestly ruined, and my wife has felt harassed by their creepy salesperson XXXX. 

When I went to purchase my Lexus XXXX, my wife and kids were at the dealership with me. XXXX, my wife, my kids, and I started at one of the front tables talking about the XXXX  vs the XXXX. Quickly, we all moved to the back area which had a cafeteria and a kids play area. Our children were in the play around immediately behind us and my wife and I talked with the XXXX. Out of nowhere, XXXX  started getting awkwardly close to my wife. So, I stepped closer to create space but he was still awkwardly close. When the manager of the dealership came over, he said, hi! Im guessin youre the husband and youre the wife. XXXX  uncomfortably and leacherously looked at the manager then to my wife and said, wellummyeahhes hes the husband. Im not XXXX  trailed off still looking at my wife and standing close to her. It was weird! My wife immediately looked at me in disbelief. The manager even shot an uncomfortable glance to XXXX  then to us. Then we all looked at XXXX  like, what the XXXX  is wrong with you dude? My wife and I literally got up and literally stood away from the table. Immediately, XXXX  raised his voice up and said, So anyway! The XXXX! We tried to talk the manager but he said, yeah so the thing about XXXX  is and completely changed the subject to talk about the vehicle. The situation was extremely uncomfortable and clearly crossing boundaries. So, thats the initial experience. 

My wife and I told the manager and XXXX  that we needed to discuss it privately. 
So, we discussed how bizarre it was with XXXX  and what we should do next. She said, well, we need this new vehicle because the XXXX will be here in just a couple weeks and we dont have space in the other car. Then she mentioned the initial person that she spoke to was XXXX  but XXXX was out of the office today. So, we put the XXXX deposit down and resolved that we would talk with XXXX  from this point forward. 

Since the XXXX  hadnt been delivered yet, it would be a couple weeks before we could pick up the XXXX. So, we left the dealership. 

When we came back in to officially purchase the XXXX, it was XXXX  who greeted us. He seemed friendly and unlike XXXX. The problem was, as we were going through the purchasing process, he got the primary phone number and the address wrong on three different occasions occasions. I specifically told him that XXXX XXXX XXXX was the BILLING ADDRESS! Its literally on my drivers license which he took to input the information! I also told him that XXXX was the primary phone number for this. We went over this and over this. We double, tripple and quadruple checked to make sure he had it right. And, I swear to god that I thought he did. 

At the end of the transaction, I specifically asked him when I would get a bill in the mail. He told me Id get a bill in 60 days. I verified that was accurate with him because it seemed like a long time. He assured me that Id receive the bill in 60 days in the mail. 

To do my due diligence, I tried to login to my Toyota Financial account as it approached 60 days. (YES, I entered the correct Vin number). Nothing was showing up so I figured I just needed to wait a few days more for the online portal. Meanwhile Im checking the mail daily because I want to make sure this bill is paid. 

Why? Because Ive worked extremely hard to get my credit score to a XXXX. I saw firsthand with my parents the cost of bad credit. So, Im hyper-aware of paying things on time. 

After a few more days, I tried to log back into my Toyota Financial account and nothing was showing up and nothing was in the mail. Since I was in the area, I stopped in to talk with XXXX  because Ive never had this happen before. In every car purchase that Ive done, Ive gotten my bill, paid it, and set up recurring payments. 

When I talked to XXXX, he told me that things are probably just slower than usual with Toyota. He said to just wait for the bill. I said, are you sure? He confirmed and he even asked the manager who confirmed. So, I thought I was just being paranoid. 

So, I waited for this bill and nothing came. The way I found out about this bill AT ALL was because I got a notification from XXXX XXXX that my credit score had dropped by XXXX  points. I had received NO calls, NO emails, NOTHING in the mail, and NOTHING in the Toyota Financial online portal. I literally found out about this bill by seeing my credit score dropped by XXXX  points. 

I was absolutely devastated. When I told my wife about it, she was completely stunned. I had heart pains and palpitations. I felt like I couldnt breath because my asthma flared up. I was panicked. It was awful. 

The stress was so severe that I got extremely sick. I was sick to the point that I literally couldnt get out of bed. I had a migraine and got the flu. My wife got sick, my kids got sick, and our XXXX XXXX XXXX XXXX XXXX XXXX  was so sick that we had to take him into the emergency room TWICE! We were constantly in and out of the pediatrician. It ravaged our financial well being, our mental health, our childrens mental health and bodies. 

This is the most messed up part. 

I reached out to the XXXX  at the Toyota Lexus dealership and told him what had happened. He immediately reassured me that hed get to work and find a solution right away. He told me hed reach out XXXX XXXX  to get this resolved. Later in the day, he told me that he spoke to XXXX  and hed be in touch. 

XXXX  didnt reach out so I contacted XXXX  again. XXXX  told me that XXXX  would be reaching out which gave me the smallest amount of hope. XXXX  finally contacted me and said, the financial rep would be in the office the next day and he would speak with him. When I reached back out to XXXX, the front staff told me that he was with a client and would call me back immediately afterwards. XXXX  never called me back. 

Since he didnt call back, I reached out again. He was still busy. He magically was too busy to even send an email to me and update me. By this point, my wife and I were distraught and trying to find a solution for this. XXXX  and XXXX  led us to believe they would be handling this issue but it was nothing more than lies, deception, and avoidance. 

I was so incredibly stressed by this XXXX that I got horribly sick again. Once again, my family got sick. On top of the nonstop stress and financial destruction, our family including our newborn was sick again. And, we were BACK in the ER! I can still hear my sons faint cry because he felt so sick. It was terrifying. Its evil what these people have inflicted on our family. It gets even worse too.

When I tried to talk with Toyota Financial, I spoke with a representative. I explained the situation to them. This person lied directly to my face and told me they couldnt put in a dispute of any kind. They told me that I have to reach out myself. I told them that my priority was to get this resolved because thats fair! Its fair for Toyota Lexus to remove fraudulent reporting on my account and not just collect their payment while theyve destroyed my financial future for years to come. 

And sure enough, I was exactly right. When I talked to the second representative, they absolutely could file the dispute and confirmed they did. I paid my full bill on that call in hopes this was finally going to be resolved. As one last kick in the teeth, just days later, my phone was blowing up with more alerts from XXXX XXXX Shocker Toyota reported more things based on fraudulent information that has now dropped my credit by XXXX  points! XXXX  points! 

The pain and suffering that this company has brought on my family and I, with fraudulent information and unjust cause, deserves a lawsuit. But I dont even want that. I just want this corrupt organization to find their integrity, remove all of these false items off my credit, and do whats right. They got it wrong. Admit it. Fix it. 

Look, nobody understands, unless theyve experienced it, what its like to see their parents have bad credit for years and see how that destroys their buying power and drains them financially. Its an absolute curse. Then you add everything that my family has suffered at the hands of people who have lied, deceived, harassed, and inflicted mental and physical trauma, its disgusting. With the current financial climate too, its complete destruction to someone. I have worked so damn hard to make sure that my credit is good, to make sure I can provide for my wife and children, to make sure they can have amazing things. I love my family and Lexus Toyota Financial has ruined me. Its time to make this right immediately.