Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I have been undergoing a great deal of medical conditions. I have had in the last 4 months 4 procedures with another XXXX procedure on the XXXX of XXXX. I see XXXX specialists and XXXX every week plus treatments, etc. I am going through a medical and financial hardship. I had let Toyota know this when I purchased my card and told them of my upcoming medical. They told me Toyota will work with me if I have ANY issues with deferments, changing due dates and being late without it effecting my credit. They would work with me. I spoke with a representative on XX/XX/XXXX or XXXX. She was very compassionate about my situation medically and financially. The notes are in the file on record with Toyota. She tried to do the deferment as I told her I was having a major surgery and needed to know my options. She told me she would not the file of my conditions and it would not affect my credit if I was late. She specifically said this. She also told me that it was the 28th day and I had time. I paid on XX/XX/XXXX which was the 29 day of the 30 date late. Again, she then said it does not report until you are over days late of the 31st day. I was not late my payments are due on the XXXX and I still had three more days when I made the payment on the XXXX day of XXXX. I went into the hospital and have 180 pages of documentation to prove this and my payment I made did not go through my bank because it was to be short term XXXX but of course it did not make it to the bank so as soon as I found out which was 3 days later on the XXXX of XXXX, I made the payment good. I was just getting out of the hospital and still made the payment good. All the sudden my credit score dropped 90 points on each bureau. I have spent two years getting my credit where it is and have had 100 percent payment history. I am in tears and need this removed from my credit asap. It is showing missed payment, which is inaccurate it IS NOT MISSED AND PAID WITHOUT THE 31 DAY PERIOD, the amount owed is inaccurate because it is showing missed and late. Due to my medical and hardship I should NOT BE GOING THROUGH THIS. It may be protocol however with my hardship, records and documents showing this I AM REQUESTING THIS BE REMOVED ASAP. I can not tell you what it is doing to me. Thiis was not intentional and again I PAID IT WHEN IT WAS DUE AND EVEN PAID IT RIGHT AWAY WITHIN 31-32 DAYS when i find out. PLEASE PLEASE PLEASE REMOVE THIS LATE PAYMENT AS IT WAS NOT LATE AND THE RETURN HAPPENED DUE TO MEDICAL IN THE HOSPITAL AND I DID PAY THE INENTIAL PAYMENT DAYS BEFORE THE 30 DAYS. ALSO, IT IS NOT A MISSED PAYMENT, LATE AND THE BALANCE DID NOT INCREASE. This entire payment caused a great deal of stress on top of my medical and financial I am going through. Remove this from my credit as soon as possible as information is incorrect on everything. Also, with this being medical conditions that are serious and now going into a XXXX procedure you can imagine what I am going through. I want to get this removed immediately as I made the payment up as soon as I got out of the hospital, and it was only 4 days from the initial payment that was made on time on the 28th day. Please this was paid before the 30 days initially and only short a day from 30 days late when it was made good. It was not late as it was made on time.