Consumer complaint received 2025-04-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Sent this letter to XXXX XXXX XX/XX/XXXX : I am writing to express my stress, anxiety and disappointment in XXXX over efforts in trying to pay off my XXXX IS XXXX. Around XX/XX/XXXX I sent a payoff check with the documents to the provided address. I inadvertently put the wrong date on the check. Totally my fault. I called to check the status on the payoff and was told about the error. At that time, I was advised they may be able to cash it, all the docs were there. Since the check was wrong and the Agent wasnt sure so she would add me on her worklist to follow up on a Friday to see if there was anything they could do. I waited, no call, so I reached out again. That resulted in getting another payoff quote and me scheduling a bill pay check ( since you already had the documents ). That check was later returned to my Bank ( I guess because you cant cash those checks for leases???? ). I contacted XXXX again had a long talk with a supervisor XXXX ( XX/XX/XXXX ) because I wanted to be sure sure that I did everything properly. She reviewed the acct noted all the docs that I sent in the past and reviewed the latest docs, she said she didnt see any problems. I asked SEVERAL times are you sure because I want to move on from this. She said she didnt see any reason why it would not go through because there were no document deficiencies. She checked a payment list, ( guessing a GL ) and noticed that I sent a check for the proper amount. I said great because I dont like getting the robo calls and wanted to make sure XXXX did NOT report a late payment on my credit bureau account. Ive had great credit since I was XXXX years old and I pride myself on keeping my promises. 

TODAY ( after XXXX work hours so I have to simmer over the weekend ) I get the attached advising I need to complete the same form again. I have many questions/concerns : Why wouldnt I receive a courtesy call from anyone to help me close this issue? Why cant this be resolved by fax or scanned document? Why am I being overlooked and downplayed by XXXX? Why are XXXX employees telling me theyre going to do something and not do it? Why is the lease cancellation/pay off process so convoluted? Are you intentionally trying to keep me paying interest on the car? Are intentionally trying to make me delinquent so you can repo the car? Are you trying to collect additional late fees? For easier customer service, why cant the lease be paid at the dealership ( XXXX )? Why does the letter say a returned envelope is included and its never included? 

As I told XXXX, I would be forced to file complaints because this is too stressful. I will be submitting a complaint to CFPB. Attorney General possibly other sources to, hopefully, bring traction to the issue to get a quicker and trouble free resolution. Please, I just want my car paid off so I can move on with my life.

Company response to consumer: Closed with monetary relief