Consumer complaint received 2025-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
ADDITIONAL INFORMATION TO XXXX SUBMITTED XX/XX/year> Toyota Financial Reposed vehicle account number XXXX. As explained in my original complaint against toyota financial, my payments on both of my accounts with Toyota Financial became past due because of an account error on Toyota Financials end. Yesterday XX/XX/year> they repossessed one of the vehicles account XXXX because of XXXX, XXXX, XXXX, XXXX payments not being made. However, Toyota approved 2 month ( 60 day ) payment extension which they deny ever receiving. I have taken screen shots of the Toyota Financial website where It its timestamped that a representative has in fact received the signed documents. I was on the phone 6 hours with different Toyota Financial representatives on XX/XX/year> and not XXXX of the representatives could view toyotas own portal to see the documents. I was informed that even though documents are visible to me on the Toyota portal they are unable to view the documents unless the processing team uploads them to the system the representatives use. Also, when I spoke to XXXX in the Redemption department he was extremely rude and made me feel uncomfortable. He left me on hold for around XXXX minutes only checking in on me once during that hold time. After the XXXX minute hold he began speaking to me in XXXX and I do not know why. I asked me XXXX times to speak to me in XXXX because that is my native language and I explained I do not speak XXXX. He ignored me XXXX times, I recorded the phone call. When we did finally acknowledge me he rudely said, well I '' m speaking to you in XXXX now and continued on with his conversation. XXXX did not once apologize for his mistake and gave me attitude as if it was my fault and I inconvenienced him for asking him to speak in XXXX to me. Now I feel that XXXX racially profiled me because I have a XXXX name, however my native language is XXXX and I need to know important information such as a repossession in my native language XXXX. The first representative I spoke to after being on a call with her for over an hour transferred me to XXXX without letting me know and I had to explain everything all over again. XXXX was extremely rude and gave a lot of attitude. He came across like he was reading a script and not listening to what I was trying to convey regarding the extension mistake XXXX financial did. I was sent the extension documents more than once however they were dated incorrectly, or a due date change was sent instead of a the extension notice, I continuously uploaded the documents but there was always an issue/excuse of why they didn't receive them. 

I attached the recording of the conversation with XXXX on XXXX XXXX you can hear where he speaks in Spanish to me and I keep tell him I speak XXXX. This call XXXX tells me how the payments were applied but the extensions he mentions are ones Toyota placed to fix the original error of misapplied payments not my error.

Company response to consumer: Closed with explanation