Consumer complaint received 2017-03-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Last XXXX I purchased a new car. This was a new experience for me. In the past I purchased used cars and paid cash. The following is the letter I sent to Toyota Financial Services Credit Dispute Team in XX/XX/XXXX : To whom it may concern, I XXXX purchased a Toyota XXXX through a broker in XXXX, Ca ( XXXX ). We are in a small town, so the vehicle was delivered from another larger dealership. My car came from XXXX Toyota. When I signed papers, I asked my broker how to make my payment, and he informed me that he is n't part of that, and Toyota would be in touch. After several weeks without any correspondence regarding my loan, I got out the loan agreement and called XXXX Toyota as that is the name on the loan agreement. I left no less than 10 messages over the following several weeks. I even knew the receptionists name, XXXX, from calling so often. I have never purchased a new car, and did n't realize that XXXX Toyota may not be carrying the loan even though they are on the paperwork. I could not understand why they would not get back to me and let me pay them. I finally got in touch with my broker to ask him for advice on how to pay my bill. He gave me a number. After hours of being shuffled between different people, I discovered that someone in the chain had failed to put in my mailing address on the financial paperwork, and instead had put in my physical address. One helpful man told me this was a serious error, because he was able to find my mailing address when he looked into the situation for me. And, my plates and tags arrived without issue to my mailing address, so the information I gave was correct. I also found out at this time that my credit has received a hit from all this. I have never missed a payment on any account prior to this, and find it extremely frustrating that I am the one paying for the address mistake. I asked the person helping me if Toyota could write a letter on my behalf explaining that the late payment was not my fault, but they said no. I would very much appreciate if this mark against my credit could be removed. 
Please let me know if you need any other information from me. 

Thank you very much, XXXX, Ca XXXX END LETTER Today is XX/XX/XXXX. My first contact with Toyota Financial was right around the XXXX of the year ( payment hit my account on XXXX ). I paid up my past due amount, and provided my mailing address, even asking her to read it back to me. I also requested automatic payment paperwork to be sent to me. I still have not received one piece of mail, phone call, or email from Toyota Financial since I purchased my car in XX/XX/XXXX. I called Toyota Financial today to discover if they have any information regarding my dispute letter, and to find out why I still have not received any correspondence. My mailing address was again updated. I was respectfully informed that a letter had been sent ( again to my physical address despite the fact that I included my mailing address in the letter ) rejecting my dispute. I then asked to speak to a supervisor in hopes that he or she could help with the dispute. He was extremely nice, but after looking into my situation he told me there was nothing Toyota Financial could do, and that my only option was to write directly to the credit agencies. 

I understand that had I known more about the ins and outs of purchasing a new car, I would have been able to discover Toyota 's error more quickly, and avoided this credit hit. However, I do not see how an error in paperwork not committed by me is now reflected on my credit report. I had the intention, motivation, means, and impulse to pay my bill. Prior to this incident, I have had XXXX late or missed payments from my mortgage, or credit cards.