Consumer complaint received 2021-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I submitted a payment of {$380.00} on XX/XX/XXXX using my XXXX XXXX  account with a customer service rep over the phone ( attached ). The rep verified that the transaction was successful and even provided me with a verification number. TFS sent me an email on XX/XX/XXXX confirming the payment was received ( attached ). 

However, on XX/XX/XXXX, about two weeks later, I received an email advising me that there was an issue with my TFS account. Upon making the phone call I discovered the payment I made on XX/XX/XXXX, with a rep on the phone, who confirmed it was received, was actually returned days later. It was interesting to me because I have about XXXX in the account that I used so there's no reason that it should have been returned. I've attached my entire barclays account details showing there was sufficient funds in the account at the time of the transaction. I even spoke with a rep on XX/XX/XXXX who said they can not find a reason as to why the payment returned. The rep I spoke to on XX/XX/XXXX when I made the payment was able to determine that the account came from XXXX XXXX account without me telling him, so it could not be account info I provided. 

I'm disgusted at this company 's XXXX of ability to inform me that the payment was not received right away. And then incompetent 2 reps had the audacity to tell me that today that a payment processing center such as TFS is unable advise customers if a payment was returned ... yet you all are a PYAMENT PROCESSING CENTER. It's absolutely ridiculous and financially abusive. Additionally, it's a complete lie made up by reps that lack enough empathy to thoroughly do their job correctly. I've attached an email from TFS from XX/XX/XXXX where they were able to advise me via email that my payment was returned, so there SHOULD BE NO EXCUSE as to why they were unable to tell me or any customer that a payment- especially one that was verbally confirmed to be received on a recorded line- was actually returned to my bank days later. 

Additionally, a rep confirmed that I my payment was reported to the credit bureaus as delinquent. I'm disputing this matter based on the fact that TFS deliberately made it a point to not advise me that my payment was returned, especially when they seemed to have enough sense to do so in the past. I'm facing financial hardship from being affected from covid and to make it worse, TFS 's automated system is currently warning customers that there's an issue with TFS payment processing. If you all are aware that there is a systemic issue, aware that I submitted a payment that was returned and forgot to advise me so I can make a another payment right away and avoid being negatively reported to the credit bureaus, then there should be no reason why this payment was reported as delinquent to the credit agencies. Please correct the credit reporting of my payment and adjust my payment receipt date ASAP.

Company response to consumer: Closed with non-monetary relief