Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was granted by a XXXX court judge a divorce decree lawfully stating the XXXX Toyota XXXX originally in both my ex-spouse and my name is now my sole property. Several times I contacted Toyota in attempt to update the loan name listed but was denied and dismissed. 

After going through severe financial hardship due to a divorce and difficulty recovering financially, I fell behind on payments and Toyota repossessed the vehicle while I was in the store getting groceries. I was unable to redeem the vehicle within the timeframe Toyota gave me in the XX/XX/XXXX notice of repossession and plan to sell. So I then called and was told to wait for another notice once it was sold. I made arrangements to collect my belongings from the tow yard the first week of XX/XX/XXXX. I was not allowed to see the car nor personally get my things from the car as I could only take what they gave me which was missing my old XXXX license plates along with newly purchased water bottles and other personal items. I called Toyota and was told I would receive a notice of surplus or deficiency once the sale was completed sometime within 45 days from the XX/XX/XXXX notice, so I waited. Shortly after I became severely ill for months without any notice. Sometime between XXXX and XX/XX/XXXX I called to request an update and was told there was active litigation so they refused to speak to me and would not give me any information for the alleged litigation party. I tried contacting Toyota several more times but was met with the same dismissive treatment so it wasn't until XX/XX/XXXX I received notice of surplus in the mail as the vehicle was allegedly sold XX/XX/XXXX. I then called Toyota to let them know I would be moving by end of the month and wanted confirmation that I would receive the surplus check before I moved and to make sure they would issue the check only in my name as my ex-spouse 1. was legally not entitled to those funds and 2. lives cross country and would not be able to go to the bank with me to sign over the funds. So despite my attempt to proactively reduce or avoid further delay in a resolution and to keep from creating more work for Toyota and myself, Toyota representatives then told me regardless of Toyota 's unnecessary 11+ month delay and written promise of refund, they then sent the nearly {$4100.00} check payable only to my ex-husband. Meanwhile the incorrect ways the loan and repossession they have reported to the credit bureaus have significantly impacted my credit ratings. If the vehicle sat as Toyota claims it did for ten plus months waiting to be sold, that would also cause further depreciation, therefore causing unnecessary loss in potential surplus funds due back to me as that vehicle was in great condition and maintenance when I had it. Looking at the timeline of their actions and unprofessional way things were handled, Toyota appears to have broken multiple laws. My child and I have been seriously impacted by Toyota 's negligence in resolving this matter. I want the surplus refund that is rightfully due to my child and I along with a fair additional settlement due to unnecessary damage caused directly by their refusal to operate lawfully according to consumer laws and in good faith.

Company response to consumer: Closed with explanation