Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Mazda Financial Services XXXX XXXX XXXX XXXX XXXX Department Re : Dispute of Late Fees & Autopay Setup Error Account Number : [ XXXX ] Vehicle : [ XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute late fees that have been assessed on my Mazda Financial Services account beginning in XX/XX/XXXX. 

The autopay arrangement for this account was set up by Mazda Financial Services over the phone, through your representative. At no point during the setup process was I verbally informed that the autopay draft date/window selected could result in late payments or late fees. I relied on Mazda Financial Services to properly establish autopay in a manner that ensured timely payment of my monthly installment. Due to app and website being down, we had no access to the system other than to either mail in payments or auto pay. We worked with the representative who set up autopay. 

Despite being enrolled in autopay, my account has never been charged a late fee. They were just accruing on the side and I was never notified. My husband XXXX XXXX is the primary account holder. He does not have one text message or email from mazda providing a bill with clarity. I was just added to the account today XX/XX/XXXX after receiving a text message as attached. This account was also not sent into collections. If this were a true customer mistake I believe they would have been after the payments more aggressively. 

This is a serious issue, as the autopay settings were established by your company and not independently selected by me due to your systems ( website and app ) being down. 

I spent XXXX and XXXX minutes on the phone with the solution being I can receive a credit of {$100.00} towards the late fees? How is that an appropriate solution? We did not have any idea of the bill window nor were we informed. 

Representatives I spoke to were XXXX XXXX ID # XXXX and XXXX XXXX ID # XXXX  I am requesting the following : A full review of my payment history from XX/XX/XXXX to present A full reversal and credit of all late fees assessed during this period totaling {$320.00} at this current time Written confirmation of the autopay draft date Confirmation that my account is in good standing and that no negative credit reporting has been made related to these autopay processing issues If any negative credit reporting has occurred, I request it be immediately corrected and removed This letter serves as an official notice that I am disputing these fees and requesting resolution in writing. If Mazda Financial Services is unable to resolve this issue promptly, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate consumer protection agencies. 

Please respond in writing within 15 business days confirming the resolution of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation