Consumer complaint received 2026-03-26 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:
I have video that I am unable to upload because it's too large. When I receive an email, I will attach it to the reply. Summary of Complaint I am filing this complaint regarding the servicing of my auto loan by Mazda Financial Services and the conduct of XXXX XXXX of XXXX. I made consistent good-faith efforts to comply with my loan obligations. However, due to dealership misrepresentations, financing delays, and later servicing and communication failures, my account was placed into a delinquent status and ultimately resulted in repossession under circumstances I dispute. XXXX Financing Delays and Misrepresentation at Origination On XX/XX/XXXX, I signed a retail installment contract at XXXX XXXX XXXX XXXX XXXX sales representative XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Following execution of the contract : I was unable to establish an account to make payments. I contacted both XXXX XXXX and XXXX XXXX multiple times. I was informed by both individuals that the system had been hacked. I was asked repeatedly to provide proof of residency. I began receiving finance denial letters but was told to ignore them. I later learned that my credit application was not submitted to Mazda Financial Services until XX/XX/XXXX. ________________________________________ XXXX. XX/XX/XXXX Payment and Representation On XX/XX/XXXX, I met with Financial Director XXXXXXXX XXXX XXXXXXXX at XXXX XXXX of XXXX and made a payment of {$600.00}. During this meeting : I asked whether my contract needed to be updated due to the delayed first payment. XXXXXXXX XXXX XXXX told me that it did not. He explicitly stated that the dealership would cover the XXXX payment and that I was at no fault. I relied on this representation. Despite this, my account was later treated as delinquent. ________________________________________ XXXX. Disputed Account Delinquency and Lack of Clarity After making my XX/XX/XXXX payment, I was later informed that I owed {$1200.00}. I received a Notice of Right to Cure Default reflecting two missed payments. I dispute this delinquency because : I was unable to make my initial payment due to financing delays outside of my control. I relied on representations made by XXXXXXXX XXXX XXXXXXXX that the XXXX payment would be covered. I was not provided a clear explanation of how my payments were being applied. ________________________________________ XXXX. Ongoing Dealership Communication Failures After receiving notice of delinquency : I contacted XXXX XXXX, who referred me to XXXX XXXX. XXXX XXXX did not return my calls. On XX/XX/XXXX, I was contacted by XXXX XXXX asking whether the issue had been resolved, which it had not. On XX/XX/XXXX, I spoke with XXXX XXXX, who later stated that XXXXXXXX XXXX XXXXXXXX did not recall our conversation regarding covering the XXXX payment. ________________________________________ XXXX. Paperless Communication and Deferment Issue I elected to receive all communications electronically. In late XXXX, after losing my job, I applied for a hardship deferment through the Mazda Financial Services mobile app. I received an email directing me to check the app. Within the app, I saw : A message with a reference number A status of Resolved Based on my paperless election and the app status, I reasonably believed my deferment request had been completed. I was not clearly informed through electronic communication that additional documentation was required. ________________________________________ XXXX. Repossession Under Disputed Circumstances On XX/XX/XXXX, my vehicle was repossessed without my knowledge. On XX/XX/XXXX, I contacted Mazda Financial Services and was informed that the repossession occurred because I had not returned physical paperwork by mail. This is inconsistent with : My election to receive electronic communications The app status indicating Resolved The lack of clear electronic notice that further action was required I dispute the repossession as being the result of misleading and inadequate communication. ________________________________________ XXXX. Resulting Harm As a result of these issues : My credit has been negatively impacted I have incurred repossession and storage-related fees I have lost access to my vehicle I have been unable to travel to job opportunities due to lack of transportation I have experienced financial hardship despite acting in good faith

Company response to consumer: Closed with explanation