Consumer complaint received 2015-11-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

XXXX XXXX, 2014 I was hit by a women who ran a red light. This women received a violation. During this time I was trying to get somebody to listen hear me that my home was being illegally forced through a foreclosure. My credit was destroyed, my car was totaled that I owned and i was trying to recover from my husband losing his job after i became XXXX. Had to settle for a high interest payment on car, XXXX Toyota said I would be able to refinance in a few months with no problems, plus more. As time goes on, I was very hurt in accident, which today ca n't keep up on any treatment, not even a massage due to the time I spend beggin for help. I also had to continue litigating myself on home that I was about to lose and still fighting for. Everywhere I turned I was denied, loans of all kinds. I had spoke to toyota, explained I set payments up through app and it does not work. They emailed me extention, I was unable to open. So after many attempts I let it go and continued to pay what I could. I spoke to Toyota again explained my hardship, and they happened during this past year. They then said I did n't pay XXXX. XXXX XXXX applied payment but toyota accepted my payment. I tried to set up another in XXXX they said no but then said I never called it in. they said I ruined over phone payments from return. I explained I 'm being banked charged, I canceled app payments, you never gave me extention but said you did, I never signed anything but told me in order for extention i had to.I said I can pay the car but need a fresh start. I paid XXXX XXXX, I paid XXXX XXXX on XXXX XXXX which was my daughters XXXX birthday. Toyota doubled from my acct. additional XXXX, XXXX payments when i set up two days prior only XXXX on site. After 1 hr in bank trying to resolve this, 20 min late driving crying to pick my daughters from school late, I then had to go back in with my daughters and sit another 40 minutes while I signed to reverse the XXXX XXXX payment.so toyota can say I bounced again, now I 'm catching on. Wasted, ruined my daughters birthday, sucked the joy out of that. Following day, XXXX wants to hear my hardship from Toyota and lecture me after I told her my dog had XXXX and I had to pay for her and so on and she told me I need to get help on managing money. I also mentioned I tried to trade car and well known dealership said my payment was outrageous and XXXX over market value. Quickly XXXX was at Toyota 's defense and wants to argue. The conversation was hopeless, I had to end the call as I knew where it was going. I had asked you, CFPB to help in this a few weeks back and Toyota responded they have nothing to do with payment options well on the site, which I mentioned to XXXX they have many options for help, I emailed them no response, I also mentioned that to XXXX she said no help for me I asked why? She said many reasons. I asked again " many reasons ''. I 'm not understanding this. If company 's are punishing me for getting help " CFPB '' involved, I do n't believe is a good answer. I 'm asking you for help because I 'm sick. Incase I ca n't follow up, it relieves some pressure for me. Today, I had a XXXX, over summer on my XXXX. Now why are these not within good reason? Now to also let XXXX know, my XXXX " just a dog '' as I was treated. If I did n't have this ridiculous car payment, I would n't have had my " just a XXXX '' as I am XXXX. Instead I would have given her a formal burial because she was my family. So thanks Toyota for not helping instead, just wanting revenge and adding to the stress in my life. I think as I use to work in as a XXXX for 15 years full time, I XXXX understanding people even if I never walked their shoes, I helped them and made them feel comfortable and not any less as a person. I had enough with all these bullies.