Consumer complaint received 2024-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which requires permanent use of a XXXX XXXX XXXX due to a not at fault accident. In addition to my XXXX XXXX XXXX, I depend on my vehicle as well so i may attempt to maintain my survival due to my multiple chronic illnesses, all if which, independently possess a daily and consistent threat to my survival. 
XX/XX/XXXX approximately I had came out to get my XXXX XXXX XXXX XXXX XXXX  which were in my vehicle. Because I was unable to carry them all into the house, I thought my vehicle was stolen. I immediately called XXXX Police Department to report the stolen vehicle. They informed me that the car had been repossessed. Shocked because I am on XXXX as a XXXX person and have a extremely fixed income and my bills are mostly paid automatically to Toyota Financial Corporation and by my knowledge and the law being XXXX or if somehow I was in violation of a missed few payments, they have a duty of care and must provide me reasonable accommodation in which to take care of any financial obligations. Due to the severity of my illnesses, not only can I barely move, I have difficulty with communication, but that is why most of my bills are paid automatically as stress creates increased complications in my already deadly chronic illnesses which significantly compounds the risk of a fatal incident at any moment. I struggled with patience to inquire of the legality of the repossession. I have on video the tow truck which was all blacked out with no license plate or identification on the vehicle.I am severely limited in movement and motion which prevents me from being able to properly defend the illegal action. Nor was I contacted by Toyota saying I was in any type of financial deficit and as I inquired with XXXX Police Department, they informed me that it was in the possession of XXXX XXXX XXXX  located in XXXX, PA. I immediately called the recovery place XXXX XXXX and there was no answer and it was already beyond customer service time for Toyota Financial. So as I struggled through the night, I did have enough XXXX  in which to make it through the night, but I would not make it for the next day or so had I not been in contact with my doctors. But not only that, the severe detriment to my life caused by this illegal action because I live on private property and unless there is a judge or police escort, they can not come and take my property under XXXX compliance under reasonable combination. They must provide me with reasonable accommodations which includes adequate time for me with the health complications to set up a payment plan, adjust or defer payments in order to bring my account to current status, safely as to not cause any unnecessary injury or complications to my health also provide reasonable communication in which to allow me an opportunity to gather my items from the vehicle if that was the case. Since I have XXXX XXXX and XXXX  in the vehicle, as well as other sensitive medications i am required to have with me at all times, not only for my daily survival but the legal requirement to secure and retrieve my medical prescriptions and medical equipment so no one else 's health, safety and well-being can be affected. This is very time sensitive. It can't just be sitting in the vehicle under heat and unattended and rummaged thru for valuables, resale or additional unsafe storage practices that is documented repeatedly in this industry. Without my wallet and payment cards, I am unable to make purchases for the most part, nor can I go get them. My bank, XXXX XXXX, denied me the opportunity to get a replacement debit card because they required a valid driver 's license, which I did not have because I did not have my vehicle. I do not have any assistance or friends in which to call upon for an immediate resolution or attempt to gather my belongings and as according to consumer law. I contacted both XXXX XXXX XXXX and Toyota Financial twice in order to alert them of the situation and come to a healthy, safe and reasonable accommodation. Not only was I treated very rudely and aggressively by both companies, I was hung up on as well, twice by XXXX XXXX XXXX and twice by Total Financial. I find this disturbing and dangerously life threatening because this is direct attack on my life, attempted murder. Because XXXX XXXX XXXX XXXX  is so deadly, it requires constant vigilance for me to maintain my already dangerous XXXX XXXX as well as having XXXX other chronic illnesses, each independently are capable taking my life every day. The additional stress of the situation exacerbates those chronic conditions immensely and under the law, not my personal opinion, the law requires them to abide by consumer law, engage in fair business practices, refrain from malicious and aggressive tactics, that threaten, endanger or violate unalienable civil, constitutional, human rights as well as discrimate XXXX. Meaning they should have brought my vehicle back. And due to the sensitive nature of the medicines inside my vehicle, I am very, very nervous and distraught that the processes of this recovery agent, company and all other unknown actors they are associated with. Because i never gave authorization for any of my personal information to be distributed to any entity and the industry in general. Not only is that a breach of contract. It puts me, my neighbors and my community at risk of harm. And knowing that someone will be rummaging through my car, whether to search for valuables or to enter the vehicle maliciously. To empty it without practicing legal, safe, and sanitized medical protocols requured for proper handling and storage of life saving meditation and equipment without contamination is unacceptable. They are holding my life for ransom and every resource I have reached out to has just told me to call a lawyer or call advocacy group. As a human being, not only XXXX person, I should not have a crime committed against me and then be forced to wait for the legal system to attempt to figure things out.

Consumer law requires that any repossession or attempt to reclaim a debt can not breach the peace they can not threaten or caused distress in order to acquire greater income to which a person normally can not or may not be able to provide. But as a XXXX person, I depend on my XXXX XXXX XXXX of my vehicle to get to my multiple doctors as well as stay compliant for XXXX, but most importantly to stay alive. This is a human rights violation, a civil rights violation, constitutional violation anf XXXX discrimination. This must be resolved and answered for immediately as every single minute goes by of my worry and my stress of my life saving medication and my personal belongings being taken or maliciously used and could cause harm to others is an immediate and present danger and threat that must be addressed. I require my immediate return of my vehicle by the recovery business and Toyota Financial, undamaged. and I require that inventory be taken by myself to account for any missing items or damage. Any refusal to do this is a violation of assault and battery, trespassing, on top of a violation of a contract which would make Toyota Financial as well as XXXX XXXX XXXX fully responsible for any damages and personal injuries that I have suffered, both emotional distress and physical duress. This violation is causing such life threatening health complications, that while i was filing a complaint with another state agency regarding this issue it caused a XXXX XXXX XXXX exceeding XXXXanything over XXXX can cause a fatal event such as a XXXX, which was so dire, that the agency IMMEDIATELY called 911 and police and emergency medical teams were dispatched to my location. I have already had this statement recorded so that in case anything happens in my life then Toyota financial and XXXX XXXX XXXX will be completely responsible for my death.

Company response to consumer: Closed with explanation