Complaint / review text:
I bought the car in 2008 (maturity date 07/2013). I filed BK in August 2010, but I kept the car only to help my credit increase after the BK. I had never missed a payment, reaffirmed the loan within 30 days after filing BK. I noticed Toyota stopped reporting me to the Equifax. I called and complained and of course, they blamed it on Equifax not reporting me. They started reporting me again and then it stopped. Now, I blame myself for this. I was too depressed to see my credit score so I stopped checking my credit. I paid the loan off in January 2012 (18 months before the term) and last month, I ran my credit online. I was and I am still shocked to see that Toyota reported the account "discharged in bankruptcy in May 2010". Toyota sent me a letter confirming that the loan was paid off (dated 02/13/2012).
I filed a dispute online through Equifax and today, I got my results back. Toyota confirmed the account discharged in bankruptcy in May 2010. Where are the $15K I paid in the past two years? Where were all the funds applied to? Obviously, someone's been pocketing the money since my account was closed in May 2010! I want to take them to court and sue them for misrepresentation. Can someone give me an advice? Last month, I bought a $40K Ford Edge, financed through Ford (very low interest rate). I will never buy a Toyota again. A lot of my co-workers fell in love with my new car and are working on purchasing similar cars for themselves. Toyota, you're going to lose!