Consumer complaint received 2016-12-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Due to inconvenient circumstances, I was not able to make my payment to Toyota Financial Services. My payment was late for about 4 months and they repossessed my vehicle. After making my payments, I picked up my car from XXXX XXXX XXXX, XXXX, NJ. The car was parked in a very small place the middle of the woods behind a truck company with many other severely damaged cars and they were all surrounded by a small fence. My vehicle was in a setting that one would not imagine a {$40000.00} vehicle to be in. However, after picking up my car, I noticed a dent in my driver 's door and the XXXX worker who had picked up the vehicle admitted that it was hit while it was parked there. I then filed a police report and decided to obtain an estimate for this damage. It was about {$2300.00}. After numerous tries of contacting XXXX, who hit my vehicle and never repaired it, I decided to repair the car myself. At this time, I was expecting my monthly car bills from Toyota Financial Services. After four months of waiting, I never recieved my bill. However, last night, XXXX XXXX, 2016, XXXX men came to my house around XXXX XXXX. They woke me from my sleep and asked for the vehicle and I refused to give it to them because I have n't received any bills from my lender. This man disrespected me, my wife and my daughter. He called my daughter uneducated because she did n't know what a lien was. He was mocking me for working at XXXX XXXX, and he threatened us by saying " I 'll bring a chain saw to cut this lock and take the car. '' The only reason he rang my bell was because the car was in my driveway, which was locked. We felt very threatened because Toyota Financial Services has caused consumers like myself to feel anxious and scared because they 're sending people who are telling me that they are coming back with a chain saw to cause damage to my private property, my drive way and maybe even myself. This caused me and my family and my little children to be very scared to the point where we stayed up all night to be ready to call the police at anytime. He also told me that he would show up at my job and that it when he mocked me for working at XXXX XXXX when he said " i will see you at XXXX XXXX '' as I responded with " Okay '' and he continued to ask me " which one? '' in a mocking voice, which I was very offended by. I am filing this complaint because they never sent me any bills so I can pay. I never used online payments so that ca n't be their excuse. The last bill I received from them was on XXXX/XXXX/16 with an amount of {$1900.00}. Also, in the past couple of years of experience with them, i never had to make a call to receive a payment nor make a payment. I always received my payments regularly and it is not a mailing issue because they have my address and I recieve all my other mail on a daily basis normally. This issue is strictly Toyota Financial Services not sending me my bill and then wanting to repossess my vehicle for no reason. The first repossession not only caused physical damage to the vehicle but it caused financial damage for me because I had to pay a total of {$2400.00} just to get my car back which included a {$450.00} fee and another {$690.00} payment to the XXXX guy just to take my car from his grotesque " parking lot '' in the middle of the woods. With this, you can see that I payed {$3100.00} just to obtain my vehicle even though I owed {$1900.00} in payments. So, if i had to pay an extra {$1100.00}, I certainly would not want it to happen again. Therefore, it is their fault that they are not sending me my bill because If i received it, I would have made my payment to avoid all the hardships I had to go through because of them.