Consumer complaint received 2024-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
My brother XXXX and I leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX the lease was approved by Toyota Financial service which in turn sent me a phone app to make my car note payments of $ XXXX. The Payments were scheduled to begin in the month of XXXX. 
when my car note payment cycle began, I attempted to make XXXX payments in the month of XXXX : a {$500.00} payment on XX/XX/XXXX, and again attempted to make an additional payment of {$1000.00} in the same month on XX/XX/XXXX, XXXX both payments showed as successful in the application upon payment and the days following. in the following month when I logged into the payment process option I was given. to make my payment for the month of XXXX. I noticed that the previous payments I attempted to make showed as failed after showing as successful the entire month of XXXX. immediately I began trying to contact Toyota Financial Service about this malfunction in their app payment process and was unable to get through to any customer representative. So, I went ahead and made a payment of {$1300.00} on XX/XX/XXXX, in my attempt to avoid complications with my car lease as I continued to attempt to reach out to Toyota Financial Services to resolve the confusion. That payment also showed as successful for weeks, and I was still unable to get through to a Toyota Financial Service representative to sort out the confusion. I even attempted to contact XXXX XXXX about the matter and had no guidance or help. A few weeks following that I received a call from Toyota Financial Services claiming that I was XXXX days behind on my car note payment and at risk of repossession. Which made no sense at all according to my leasing contract. Subsequently I was forced to make an immediate payment of {$1000.00} to avoid repossession. at this point a representative. After making the payment I was told that I only had XXXX days to make another {$1000.00} payment or I would be repossessed. at that point I asked Toyota Financial services for a copy of my leasing agreement and researched their payment portal system. I came to find that I was not the only customer that a malfunction in paying with the application process had affected there were several others with the same issue and Toyota Financial Services payment application was the blame. yet the customers were left with the short end of the stick. my credit score has taken a XXXX hit over a $ XXXX car not that I attempted to make nearly {$3000.00} in payment towards in the very first XXXX months of my pay cycle ever starting ( XXXX and XX/XX/XXXX ). on XX/XX/XXXX, I again tried to resolve the mistakes of their system sacrificing my financial stability. I arranged to make a payment towards settle this crazy situation by XX/XX/XXXX, XXXX just to come outside the morning of XX/XX/XXXX, to find that my car had been repossessed a day before the agreed upon deadline. I immediately called Toyota Financial Services and was given the run around for hours as I tried to figure out what was going on. I requested for a full forensic audit from the start date of my contract to present time and was told they can not do that. I requested contact information for their legal department and was denied any contact information for that as well. I requested an investigative review of the recorded call in which an agent told me that I had until the XXXX to make a payment and was told I'd have to call back and check in on that. I recorded the agent 's agent ID number that I was speaking to and was given the wrong information, I requested information from " supervisors '' and was sent to different lines sending me back to their direct number and or lines asking surveys about Car and health insurance before hanging up immediately. I feel as do I have been manipulated and wronged by these systems, as a customer who not only attempted to pay my note but pay well over it several times, I shouldn't have to be the XXXX to continue to take financial hits over a flawed systems error.

Company response to consumer: Closed with explanation