Consumer complaint received 2017-07-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I 've like to lease vehicles, from Toyota. After a call from the dealer I went at the end of XXXX XXXX, to return the old leased vehicle Toyota XXXX XXXX. Toyota Dealer, made a lump sum payment to the Toyota Financial, just 2 or 3 skip authorized payments from Toyota Financial, as a result I have XXXX balance to pay. I authorized Toyota Financial to withdrawal every XXXX of every month, recurrent payments for the amount of {$350.00}, this way I am never being behind payments. The situation started after I went to the dealer to return the old vehicle XXXX. At the financial department of Toyota Dealer, a called was made to Toyota Financial to advised them that I was getting a new vehicle due to the mature of the lease ; I got a XXXX Toyota XXXX, same monthly payments even that the car cost less than the previous vehicle. I spoke with a gentleman at Toyota Financial, by phone, he advised me that I have XXXX balance to pay for the Toyota XXXX, and the payments for the new leased vehicle Toyota XXXX XXXX, will effective on XX/XX/XXXX, as recurrent payments as always. Surprisingly, on XX/XX/XXXX at de end of the month, I received a phone call from Toyota Financial, stating that I had not paid XXXX for the new car. Obviously, I checked my bank account, I found out that the payment was withdrawn by Toyota Financial on XX/XX/XXXX. I called the bank to make sure, and I was told that on that date at XXXX XXXX, Toyota Financial withdraw {$350.00}, so I went in person I got the print out to call Toyota Financial to dispute this unfair charges. After many calls, different customer services, everyone with different statements, that I did not pay, others found out that in fact the payment was taken by Toyota Financial, and applied to a non existent account. At least more than 15 phone calls I have been done, including to a financial assistant from XXXX XXXX where the payments were taking from Toyota Financial.  At last two week ago, after I received I received a huge bill for more than {$700.00} from Toyota Financial stating that I did not pay, XXXX, neither XXXX, so I went to the bank they faxed to Toyota Financial the print out that in fact they got paid. I spoke with XXXX ID XXXX, he was very efficient. He found out that in fact I do not owe XXXX, neither XXXX. However the payment for XXXX to my new account has been wrongly applied to the non existent account XXXX for the XXXX. He promised to appeal it and upgrade and also to contact the 3 Mayor Credit Bureau Agencies to ask to remove the unfair report against me. On XXXX I received another bill to pay from Toyota Financial, more than {$700.00}, for non payments of XXXX, and XXXX, obviously I 've Exhibits to prove it, I went back to the bank and again, XXXX from financial department of XXXX XXXX called upset, she told then how come a huge error, has been causing me such stress, knowing that in fact they got paid, XXXX, XXXX, XXXX for the new account XXXX and that I 've proof to confirm same. I was advised to disregard that letter, that was sent by mistake. The payment for XX/XX/XXXX, was made directly from the bank, {$350.00}. Moreover, on XX/XX/XXXX, another let letter I just received from Toyota Financial, stating that I did not pay XXXX, the bank has the statement that in XXXX XXXX, a payment was sent and cashed by Toyota Financial. The letter I just received states that they are correct, that I am in delinquency and I have been reported to the three mayor credit agencies. Today XX/XX/XXXX, I called the XXXX XXXX to ask if XXXX has not been paid, I was informed that Toyota Financial got paid on XX/XX/XXXX. Moreover, starting from today, XXXX XXXX, took the responsibility to pay directly to Toyota Financial, and I set recurrent payments and so on. The payment for today REF : # XXXX I 've have proof for the months of XXXX, XXXX and XXXX as well as. Please I need your help against these fraudulent charges committed by Toyota Financial, since XXXX XXXX and up today continues. <P/>Thank you very much XXXX XXXX