Consumer complaint received 2021-07-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I do not agree with the answer of your company, the answer that you assume does not respond in any part to my request. You are trying to say is that the dealer XXXX XXXX XXXX. number XXXX are responsible for providing me with a presumptive, deceptive contract and omitting the Federal TFS FCRA, they omitted the second and third page of the credit application and then made me enter a contract which they made me buy deceitfully and at the same time they sold to TOYOTA FINANCIAL SERVICE. Your response to claim XXXX does not respond to my claim. 1. In your text you state that the distributor is a separate company from you. 2. A dealer and a customer negotiate a transaction and the terms are documented in the contract / lease. 3. The contract / lease ( along with a credit application ) is sent to us for your consideration. 4. Because we are not directly involved in the negotiation process with the customer, we do not have first-hand knowledge of what happened at the dealership or what the dealership said at the time of the vehicle purchase about the arbitration clause. or the Vehicle Service. 5. Agreement that you purchased as part of the transaction. If you continue to believe that the dealer acted inappropriately, we ask that you work directly with the dealer to address their concerns. Are you trying to convey that the credit extension was done by the dealer? The credit transaction that paid for the car in full was made by you and then the dealer deceived me by making me buy the contract in which I gave my property to you? is that what you are trying to tell me? I will communicate with the dealer taking into account everything that you wrote to me. 
This is my original Complaint. 

I want to sue toyota financial services because in XXXX they made me a credit extension in my name in which after the credit transaction they made me sign a promissory note ( contract ) in which I delivered my property to them in a deceptive way. The contract that contained an arbitration clause that was never shown to me nor was I required to read, now in XX/XX/XXXX I got a copy of this presumptive contract that clearly shows the amount of credit that was taken in my name to pay the XXXX XXXX XXXX ( XXXX ) which was the product for which I signed a credit application and after they extend my credit and pay the car to the dealer number XXXX they made me sign a contract in which they discredited me as a debtor. This contract has many presumptive and deceptive clauses which I would never sign if that transaction were made today. I also have evidence of a guarantee that they sold me with the excuse that if I took that guarantee they would lower the interest of the car, an offer to which I agreed since it was an unfair deal to sell me their mandatory product, a product which I canceled after a week and the money was added to the capital balance on XX/XX/XXXX for the amount of XXXX this amount was also used from my credit with my consent but in a fraudulent and deceptive way, for that reason it was refunded to the account capital. I demand that I be given the amount of credit that they took in my name to pay the dealer and then they sold me a contract in which I delivered my property to them in a deceptive way. And if they refuse to pay me I will take them to court and they will have to show where they got the money from and show that credit transaction and I have proof that the guarantee that I canceled was put in the capital of the contract, that proof is enough to show that my credit was extended and you see I pay the car in full but not with their funds. 12 CFR 1026.36 - 15 USC 1692B- 15 USC 1602. I am the consumer, a natural person, none of the codes define me as a debtor and they defamed me in their contract saying that I am a debtor because they deceived me with their presumptive contract. 15 USC 1602h 15 USC 1602 I.

Company response to consumer: Closed with explanation