Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
A letter ( dated XX/XX/XXXX ) arrived in the mail from a debt collector : XXXX XXXX XXXX trying to collect a debt owed to Toyota Motor Credit Corporation. Tuesday, XX/XX/XXXX - called the Toyota Financial Services main support number on their customer service line six times between XXXX XXXX EST, but the automated system told me that their office is closed and to call back when their office is open on Monday to Friday, XXXX to XXXX. Wednesday, XX/XX/XXXX - call the main support number on their customer service line twice between XXXX am EST. Same issue. XXXXffice is closed and to please call back during business hours. Thursday, XX/XX/XXXX -- called the main support number on their customer service line 3 times around XXXXXXXX XXXX and got the same result. Instead, I tried their main line number and pressed " 0 '' until I reached a live agent, then asked to be transferred to a live agent in the Financial Services department to inquire about my account that needs attention. XXXX XXXX XXXX - I was transferred to FS Rep # 1, XXXX and gave me a number to call back in case we get disconnected but it was in fact the collections agency ( XXXX XXXX XXXX XXXX ). XXXX AM EST - When I called back, I was connected to FS Rep # XXXX, Spell ( XXXX ). She had to speak with a Supervisor regarding my request, but was told that because my account was " closed '' they could not dig up any information on this, and advised that I reach out to another number to follow-up questions, which is the same number as XXXX Systems XXXX XXXX provided by Rep # 1, XXXX. When I insisted on XXXX providing me with the documentation, statements, or notices that they have on file, XXXX put me on hold before ultimately transferring me to XXXX XXXX XXXX XXXX without my consent. XXXXXXXX XXXX XXXX - When I called back and connected a FS Rep # 3, XXXX ( XXXX ). She expressed empathy for my frustration, said she would help me lodge a formal complaint against FS Rep # 2, and connected me with XXXX XXXX, whom I thought was a XXXX supervisor/manager. After going through the " verifying '' process, I asked him which company/agency XXXX was associated with, and he confirmed he was with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - I called back again, and spoke with FS Rep # XXXX, XXXX ( XXXX ). XXXX was able to dig up a little more information that apparently 2 letters were sent out, one specifically to an address that I did not provide them. Address for both the individual and the company is the one and the same address. She mentioned she will work on email copies of those notices to the email on file, but further discussion would have to be through the Charge Off department which she confirmed is the 3rd Party Company : XXXX XXXX XXXX XXXX. Toyota Financial Services has failed to clarify what the open balance was for and made NO attempt to explain whether they had tried reaching out to me regarding the outstanding balance before submitting this to a collections agency to handle. This account was set to autopay ( payment history of ACH debit attached ). We faithfully made our lease payments from XX/XX/XXXX to XX/XX/XXXX. The vehicle was brough to the service center to resolve any damages to the vehicle before returning the vehicle at the end of lease. The balance due for the body work was paid out of pocket before the vehicle was grounded and the plates were destroyed. There is no reason for the outstanding balance. If there were, Toyota Financial Services took no steps to notify the customer regarding the outstanding balance. It is incomprehensible that although 2 notices were allegedly sent out : one to the individuals address ( which was never given to XXXX ), and one to the company address, I have not seen these notices. However, the debt collection notice arrived at the office and was brought to my attention. Both addresses on file for the individual and the company are one and the same. Not sure why they would have sent the notice to the other address. I have replied to XXXX XXXX XXXX XXXX notice with a request for more information.

Company response to consumer: Closed with explanation