Consumer complaint received 2023-01-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, I went into toyota to buy-off my lease. Prior to going into the establishment, I spoke with XXXX Toyota staff, XXXX, who stated if I was buying out the car they would not have to run my credit. Upon arriving to the establishment, XXXX stated XXXX was not in and he would be the one taking care of me. I made it clear that I did not want my credit ran, in which XXXX stated that it was policy and that he had to run credit, they do for everyone. I was not told I can bring in cash, I was told there was not other option, and so he proceed to run my credit. The next day I called XXXX TOYOTA, spoke to a sales associate, asked if I was going to pay cash to buy out my lease is there a need to run credit to which sales associate responded there would be no need. I was advised that I can VOID check, bring in cash and have inquiry reversed. I did exactly that, went in with cash payment, and they gave me check back and made it a cash buy out. There was never a need to run credit or do financing, and not what I wished to do. 

On XX/XX/XXXX, I went into XXXX Toyota and paid for it in CASH. I have receipt that the car was paid for in CASH. 

On XX/XX/XXXX, I called XXXX Toyota was advised I need to file a dispute with XXXX and they would reverse it. On XX/XX/XXXX, I called XXXX to file the dispute and was told XXXX TOYOTA needs to initiate it, I returned call to XXXX TOYOTA, to manager of XXXX or was told it was manager of XXXX who stated they can do it, however, XXXX is responsible to complete that task and he is not in until Monday, this is when he would do it. On XX/XX/XXXX, I called to follow up with XXXX, XXXX stated this is not something he could do, and when I asked for a manager XXXX XXXX stated, " I am the XXXX, '' when I requested he transfer me to someone above him, " There is no one above me, '' when I continued to request someone above him he stated, " No one above him is in, '' and proceed to say goodby and hang up. I returned call to XXXX TOYOTA, spoke to the receptionist who stated XXXX XXXX was his manager, and transferred call over to him. XXXX XXXX answered the phone, and was in fact in the office, stating that he would call XXXX Toyota on Tuesday, XX/XX/XXXX, to put in the dispute request ( per consumer request, because that is the only way they can file it per XXXX XXXX ) and that by his experience it does not reverse. I stated that I wanted him to proceed with putting in the dispute request and I would follow up on XX/XX/XXXX. I then contacted the general manager, XXXX XXXX, to update him about the current situation and that I would be following up on XX/XX/XXXX. 

On XX/XX/XXXX, I went in to XXXX TOYOTA, spoke with financial consultant, provided CASH, and had check returned/voided. They have video and audio recording of this occuring. 

I paid cash for buy out of the car, there was no need for a loan or financing, or credit check, and the hard inquiry needs to be reversed.

Company response to consumer: Closed with explanation