Consumer complaint received 2024-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I am writing to file a grievance and to request an investigation into my account due to repeated undocumented payments and errors made by TFS : TFS claims there was not a payment made for my Toyota XXXX XXXX vehicle loan in XX/XX/XXXX. I dispute this claim and have enclosed documentation proving a payment in the amount of {$370.00} was made to TFS/Toyota Financial Services XXXX XX/XX/XXXX. Please update my account to reflect the correct payment amount. 

My vehicle was repossessed in XX/XX/XXXX I paid via XXXX XXXX {$1400.00} plus a payment for {$640.00} and another payment in the amount of {$640.00} ( Representative stated additional payment was going to be applied to the following month since it was almost XXXX, XXXX amd a new payment was no due ). The total I sent via XXXX XXXX to TFS was {$2700.00}. I have enclosed a receipt from XXXX XXXX showing a receipt transaction to TFS. In addition, I have enclosed an account detail statement from TFS displaying the payments listed above. However, the reinstatement bill I originally received stated I only had to pay {$1700.00} but this is not accurate as I was informed that I had to pay {$2700.00} to get the car back.. This amount I was told by the representatives would take care of the XXXX and XX/XX/XXXX missed payments. In addition, XXXX, XXXX and XXXX were also to be paid when they received my payment via XXXX XXXX. Please update my accounts to reflect the accurate amount paid {$2700.00} as this was not reflected clearly on my billing statements and records. 



Page XXXX of XXXX *Also, fees resulting from the repossession included the towing company that I paid {$270.00} ( {$75.00} for a XXXX XXXX XXXX and {$10.00} a day to hold the vehicle ). 

TFS states on my recent XX/XX/XXXX billing statement that the last transaction amount occurred in XX/XX/XXXX for {$84.00}. I dispute this as I paid {$400.00} and have enclosed documented proof from my bank showing a {$400.00} payment made on XX/XX/XXXX to TFS. 

Extensions Dispute : After speaking with a financial representative from TFS earlier this year, they stated I had 8 extensions. Recently, a rep from TFS stated I had not XXXX but now XXXX extensions which I am formally disputing through this letter. I am requesting the signed copies of the XXXX extension agreement contracts that I allegedly signed proving the amount of extensions you claim I used. I disagree I used XXXX extensions and am requesting proof of the signed contracts. Please email me the documents to the following email address : com In conclusion, I have more payments that I can prove via bank documents and via the account detail document from TFS that continues to show a pattern of payments made not being accurately recorded by TFS. As a result, my car is now under threat of Repossession due to TFSs mismanagement of my account. 

I am asking for a meeting to compare financial payment documents in order to have my account corrected immediately. Due to the constant threat of repossession from my account being mishandled,. 

Please ensure a representative with the proper authority to make adjustments reaches out as experience has shown, regular representatives do not have the authority to adjust my account. My number is XXXX  or if you would like to email me at XXXX. Thank you in advance for your time and attention to this matter. 

*Please Note : This is my third attempt faxing the enclosed documents to TFS. When calling to confirm they received the documents, I was told they had not yet I have confirmation that TFS has indeed received my documents. In addition, I mailed the same documents via certified mail without a response. 

After attempting multiple times, in good faith, to rectify the issues surrounding my account, if my request continues to be ignored, I will be left with no option but to proceed with court filings.

Company response to consumer: Closed with explanation