Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
This is a complaint against Toyota Financial Services. I am unsatisfied with their online payment system, email notifications, and phone calls after discovering one payment that did not process. I have a lease for a XXXX XXXX with a monthly payment of XXXX. In XXXX XXXX, I switched to reoccurring monthly payments in the online portal. In XXXX XXXX, that payment did not process, but I was not notified of a missing payment or past due amount with receiving emails that each monthly payment posted stating there was " nothing more to do. '' My monthly payments continued to process as usual except for a cent payment on XX/XX/XXXX. A few days later, I received an email that the payment did not process. I went into the online system to see I had a past due amount of XXXX from that payment and a missing XXXX payment. When I had enough money in my account on XX/XX/XXXX, I went online and selected the option to make a one-time payment, the amount being the specified " XXXX past due. '' I saw the transaction posted and then later that evening, received am email saying " Payment Posted Successfully! At this point, there is nothing more you need to do. A payment of XXXX for your XXXX ' XXXX was POSTED to your account on XX/XX/XXXX. '' On XX/XX/XXXX, I got a letter in the mail from Toyota Financial saying my past due amount was already in default and that I could cure the default if I paid the past due amount of XXXX XXXX  by XX/XX/XXXX ( not including my XXXX payment due XX/XX/XXXX ). 

I logged into Toyota concerned about my XX/XX/XXXX payment. Instead of something going wrong with auto pay, I wanted to set up my own earlier payment. After canceling the auto pay and setting up a manual payment for my monthly amount, I noticed that the option for " Pay Past Due '' now displayed XXXX. I felt relieved until I checked the Transactions history, only to see my payment of XXXX on XX/XX/XXXX FAILED. I checked my bank account and sure enough, the money was not withdrawn. But also on the second page of the transactions history, it does say a late fee of XXXX was paid along with XXXX, which equals the past due. It does not have how or what account that was paid from. Of course I NEVER received an email from XXXX alerting me to that XXXX amount that failed. 

I tried to call Toyota on XX/XX/XXXX at XXXX as there website says call response hours are XXXX to XXXX M-F, but I can only reach their automated system on two different phone numbers, stating they are only available until XXXX XXXX. 

I am trying to take responsibility and get my account straightened out with the amounts I owe, but Toyota 's online payment system and follow up emails are very misleading. I pay a lot of bills online and never expected I would have to login into an online account five days a week just to make sure nothing changed to just to make sure a payment actually processed. I will not be leasing another car with them ever again.

Company response to consumer: Closed with explanation