Consumer complaint received 2023-01-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
To whom it may concern : Im filing a Consumer Complaint against XXXX XXXX XXXX XXXX XXXX for fraud, misleading unethical practices, sharing my information to third parties, and a code violation of the consumer law. On Saturday XX/XX/XXXX at XXXX XXXX I arrived at the dealership with a friend to speak to this sales rep name XXXX. 

Before I step inside the dealership, I couldnt even get the chance to come in and breathe without some other sales rep coming to me in panic mode asking who Im here to see. Furthermore ; I told the sales rep that Im here to see XXXX. The sales rep took me to the front to let the person at the front know that Im here to see XXXX. The person at the front desk called for XXXX on the dealership phone and said that someone is here to see you. 

Next, told me to have a seat and shell be with me in a minute. 4 minutes later, XXXX came to me and asked me that shell be with me in a few minutes, and that she was dealing with a customer and I said ok. As me and a friend waited patiently, 6 minutes later she came back to me and told me that if I wanted to speak to another sales rep while I waited. 

I told her with all due respect, I dont want to speak with random people. I only wanted to speak to the person that Ive been communicating with via phone and text which is her. Or if she couldnt help me out, its only best if I speak to the her boss or the finance manager. She went to go talk to her boss which is also a sales manager name XXXX. 

7 minutes later, she and her boss came over to the table where me and a friend waited to be seen, and she introduced me and a friend to her boss XXXX. 
Then XXXX told me and a friend to come and see him at his place of business which is considered his dealership office. We headed that way and he told me which vehicle I was interested in, and I told him I would like to finance a XXXX XXXX. 

But before I finished what I had to say, he told me and a friend lets go outside and look around for one. We walked and found only 2 left because the one I was interested in they sold it. Then I saw a XXXX XXXX XXXX XXXX. I was interested in that one. He told me and a friend to wait outside while he go get the keys to the car. We both said ok. 20 minutes had passed and it was getting close to night. 

I knew my time is valuable, so I went in to speak to a sales rep to see if they can find XXXX because he wasnt at his place of business. They called him letting him know that a consumer which is me is looking for him. That person said he is now back outside. When me and a friend both met back up with him, he started to say he was talking to his brother and a customer he hadnt seen in a long time. I told him I wasnt here to waste time. He had the keys to the XXXX XXXX XXXX XXXX, showed us the interior and exterior of the vehicle, as well as the engine compartment. 

We went back in and had a seat and he wanted me to fill out a credit application. However, instead of me filling it out, he filled it out which was strange and confusing. 

Subsequently, he asked me a lot of questions regarding the credit application and I didnt give out too much information, but only a little since I know that they were sending my public information to third parties to see if Im approved or denied an auto loan. Suddenly, after he finished the credit application, he told me and a friend hell be right back, and that he was going to send this information over to run my credit. 

10 minutes had passed, then from 10 minutes, it went to 15 minutes, then from 15 minutes, it went to 20 minutes. As a result, he showed back up and showed me the finance option paper which shows {$2000.00} cash down. He stated we have to have something, of course they wanted to take people money. So I told him I am a consumer and this is a consumer credit transaction, and when it comes to financing a vehicle, theres no such thing as a down payment. 

That was a major red flag there and also fraud when these people want me to pay cash on top of financing a vehicle. A transaction can either be cash or credit, not both. According to consumer law and 15 USC 1611, their advertising false information. 
XXXX XXXX ( XXXX ) But let your communication be Yea, yea; Nay, nay ; for whatsoever is more than these cometh of evil. 

He told me hell be right back after I started stating facts and the law. 15 minutes later he came back and told me he had some great news. I dont have to put no money down which is considered {$0.00}. He then told me to wait to speak to the finance manager. I said ok. An hour had passed as me and a friend waited patiently. My friend left to go to the store and came back as I was still waiting to be seen by the finance manager. 

The sales rep XXXX came by and told us she appreciate our patience and that their in a meeting and others are buying vehicles. We both said ok. Approximately around 8 pm the finance manager name XXXX XXXX, showed up and after I been approved for the vehicle, he started asking me if I had insurance. I told him the auto loan insurance is supposed to be included in the finance charge, in other words, all finance charges suppose to have insurance included by law. Furthermore ; he acted like he didnt know what I was talking about. 

I also stated facts and the law, he said he was going to leave it up to XXXX. And started threatening me. And said he cant let me drive off with the vehicle without insurance, and gave me a XXXX XXXX insurance card. I remain calm, and kept my composure. I also told him thats optional, the dealership by law have to include insurance in the Finance Charge. He ignored me and became rude, disrespectful, arrogant and ignorant of the truth. 

It was almost close to XXXX, and XXXX and XXXX showed up and I told them that I wasnt there to waste my time, my time is valuable, and Ive been here patiently waiting since XXXX. XXXX told me if I would sign the contract, I would get the vehicle and if I had the insurance, he would pick me up from my home, to take me Monday XX/XX/XXXX to get the XXXX XXXX XXXX XXXX. 

I stated again the auto loan car insurance is supposed to already be included in the finance charge. He told XXXX to take me to the back of the room to the finance manager to fill out the contract and I stated I wanted proof of all copies of the paperwork. In my mind I knew that it was time to file a serious consumer complaint. 

The finance manager looked at me weird and told me to have a seat, I refused and stated Ive been sitting down waiting patiently no thanks. He said ok. Its up to me. I started stating facts again and the law. He became angry, started cursing and saying do what you do, you will not succeed. I stated I wasnt here to argue and that what hes doing is unacceptable, unethical, unprofessional and a code violation of the law. 

It was getting closed to XXXX XXXX showed up and told me to have a seat I said no thanks, he said please, your making the boss across the other office nervous. I wanted this to be over and I knew XXXX was with me so I took a seat and filled out the contact with my signature of reserving my rights UCC 1-308. In my mind and me seeing out of my own eyes, its like is was 2 separate transactions. Because the finance manager had me filled out contract paperwork on his XXXX and also on regular contract paper. I also knew that this contract will be void due to fraud. In other words, this auto loan finance contract is fraudulent in the Truth in Lending Act. 

After that, he told me to have a good weekend, I ignored him and me and a friend left the dealership.

Company response to consumer: Closed with explanation