Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XX/XX/XXXX- I have leased Toyota Rav4 XXXX from XXXX XXXX in XXXX , NY . I have also returned my XXXX XXXX to the same dealer. On the same day, I have also made my first payment which is {$290.00} ( I have the proof and papers ). During this day when filling out the papers I have made sure to give my personal phone number to both XXXX XXXX, and Toyota Finance in case they reach out to me directly. I have also given my work number additionally on that day as well. 

Mid- XX/XX/XXXX : I received excess wear bill {$230.00} and make the payment on XX/XX/XXXX to Toyota XXXX CA. Also, I can provide the statement from bank if needed. I also received my initial bill for the car 's second pay, indicating I must immediately pay the car 's first and second bill. I go online to email them, since I am available after XXXX EST during weekdays. I am not able to email them, because the account number stated on the bill that they sent is wrong. If you do not open an account with them, you can not email them. I also can not call them too, because I have a hectic schedule, working at a school, going to internship and being a XXXX  XXXX. I am only available on Saturdays, which they are closed. I found out that my credit is now ruined due to not paying the excess wear pay and lease payments. I have never ever received a phone call to my personal number from XXXX XXXX, even though I have provided my cell number to them. 

XX/XX/XXXX- I called the dealer for assistance couple of times. But the dealer had stated they are not affiliated with XXXX XXXX. I have called multiple times Toyota Financial, but the wait time is around 30-50 minutes. Meanwhile, I have NEVER received a phone call from Toyota Financial. ( All of my applications to Toyota Financial and XXXX XXXX include my cell phone. ) Reported this to Better Business Bureau thinking they might solve, but no answer from them either. ( I feel trapped ) XX/XX/XXXX- They have called my school when I was in a meeting with a student, and I found out that it is Toyota Financial calling my work place to request me. I had to hang up since I was with a student helping her with her college application process, and obviously that is my priority at that time since I get paid by tax payers to do that job at that moment, not to fix what Toyota Financials had ruined. I asked for a direct number to call so that I can fix this right away. I can not spend more than 10-15 minutes on wartime since I work at the school and XXXX XXXX wait time is around 30-50 minutes I can not use my lunch time. However, lunch time is the only time I can use to contact them since I take classes and have XXXX after my work. If Toyota was open after XXXX on weekdays, I would have definitely would not mind the 30-50 minutes wait time. The person on the phone refused to give a direct line and said that they have another cell phone on their system they had been calling and giving my confidential information to. I am not sure what phone it is, because I checked with the dealer and they stated they had my personal phone number on the applications. -which was correct. 

Now, I have a ruined credit, even though I made the payments. I can not make the cars second and third payment, because the account number that they sent on the receipt is wrong. I also can not reach out to them through phone to fix all of this, because they don't answer. I can not email them because, you need an accurate email to open an account to email them. I am lost. 

Once again, I can provide all the information including the wait times, my calling records from XXXX XXXX XXXX indicating I have NEVER received a phone call from them, my application that states the phone number I have given to Toyota, my initial payment to Toyota, and the bills from Toyota that has wrong account number.

Toyota can even check my previous history with them for three years, I have never delayed my payment with Toyota Rav4 XXXX car. Obviously, with this experience, I would never return to Toyota after this cars term is up. Integrity is important in a company that receives my payment.

Company response to consumer: Closed with explanation