Consumer complaint received 2017-12-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX of XXXX denied credit for a lease, pulled lease, repossessed vehicle, and refused to provide any documentation as to why. Concern is 
that this may be an ongoing scheme to defraud the general public and backed by discriminatory business practices.

Complainant:  XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX TN  XXXX

XX/XX/XXXX Vehicle leased from XXXX XXXX of XXXX located at XXXX XXXX XXXX TN  XXXX.  Paid one month lease up front for XXXX XXXX XXXX XXXX Lease was through Toyota Financial services.  Lease was in Company name.

XX/XX/XXXX; XXXX Sales called and asked for article of incorporation.  Document sent to XXXX same day. XXXX XXXX, XXXX; XXXX XXXX called XXXX) and left VM that he had some questions.  Unable to reach XXXX after multiple calls.  Sent email to Sales: XXXX,

XXXX Is this what you needed.  I also had a XXXX call me as well?  The receptionist could not track anyone by that name down.

Reply: Yes, we've received this document already. I believe there is a hold up in the Finance department concerning your Lease. Myself(XXXX XXXX, XXXX XXXX and XXXX XXXX are the ones reaching out.
   The last update I received is that Toyota Financial Services is seeking a Guarantor for your Lease based on the audited financials. 

XXXX Seems a bit late for that?  We just had a lease with XXXX for three years under these same circumstances.  I just turned in the XXXX Let me know next steps.  We will not be assigning a Guarantor.

XX/XX/XXXX:  XXXX XXXX left VM wanting to speak about guarantor. XXXX spoke with XXXX on phone and asked if they could provide credit references, reminded them that they just turned in a XXXX after a three year lease because they picked up XXXX

XX/XX/XXXX: XXXX left VM and stated that there was nothing they could do and they wanted to come and pick up vehicle.

Received a call from XXXX XXXX? From XXXX stating he wanted to come to pick up vehicle.  XXXX eventually spoke with XXXX and when asked, stated he did not have to provide any documentation as to why the credit was denied and that he would not put anything in writing as to why.XX/XX/XXXX  Email sent to XXXX XXXX,

I have received a considerable amount of voicemails (VMs) from yourself and others at XXXXXXXX XXXX that include XXXX XXXX?, the Sales Manager.  In reviewing all the VMs and the two emails that I have received from XXXX, at no time has anyone put in writing why you are requesting to pick up the vehicle.  XXXX has not provided documentation of any kind to state why XXXX has been denied credit.  The fact that you have sent a copy of purchase document does not negate the contractual obligation XXXX has with Toyota Financial Service (TFS) via the Closed-End Motor Vehicle Lease Agreement Tennessee.

XXXX has consulted with Counsel and we request in writing, with supporting documentation, why we have violated the terms of the Closed-End Lease.  Until such time as we receive this official notification, we will not be returning the vehicle we feel we are legally in possession of.  We have every plan to pay on time as was relayed on our calls and proceed to honor the terms of the Closed-End Lease with TFS.  The first direct request by XXXX that you wanted to pick up the vehicle wasXX/XX/XXXX  When I asked XXXX XXXX on XX/XX/XXXX to just send me documentation he stated he would not give me anything in writing nor in an email and also advised that he did not have to do that. XXXX has offered to put more money down, obtain a letter from our parent company, etc.  Our effort was met by XXXX that there were no other options other than XXXX was going to come get the vehicle.  It is unconscionable that you would not provide notice enough to transition to another vehicle after you are fully aware that we turned in a XXXX lease to go with Toyota.  XXXX did everything you asked us for to acquire this vehicle.

In that vein, I received a VM today from XXXX XXXX that I feel was threatening in nature.  To tell a paying customer that if he did not hear from XXXX by noon he would be sending two guys out to get the vehicle seems over the top and would constitute an illegal act.  As such, should any XXXX representative attempt to acquire this vehicle for their own use or for another party, we would be left no choice but to engage law enforcement.  I truly hope it does not come to this and that we can resolve this quickly.

Our position is clear at this juncture; we are in legal possession of the vehicle.  Please do not interrupt my business by calling my cell phone or business phone going forward.  All communication from this point forward will be documented in writing or email.

XXXX XXXX
Chief Operating Officer & Partner

XXXX XXXX XXXX XXXX - XXXX 


XX/XX/XXXX  XXXX sent third party towing company to illegally repossess vehicle.  Inside the vehicle were personal effects and company property.

XX/XX/XXXX XXXX finally allowed XXXX to pick up personal items and company property from vehicle.

XX/XX/XXXX:  THE EMAIL CHAIN BETWEEN XXXX AND XXXX BELOW CLEARLY STATES XXXX WAS IN THE WRONG AND SHOULD HAVE PROVIDED WRITTEN NOTIFICATION THAT XXXX WAS DENIED CREDIT.  WE HAVE BEEN IN BUSINESS AT THIS LOCATION SINCE XX/XX/XXXX WITH A VERY HIGH VOLUME OF PACKAGE DELIVERY GIVEN OUR BUSINESS.  TO THIS DATE WE STILL HAVE NOT RECEIVED ANY DOCUMENTATION OF DENIAL OF CREDIT FROM XXXX OR TOYOTA.

Still no notification.  I can have someone stop by XXXX  and pick it up.

From: XXXX XXXX 
Sent: XXXX XX/XX/XXXXXXXX 10:23 PM
To: XXXX XXXX XXXX Subject: RE: XXXX XXXX XXXX

We get mail here every day.


XXXX XXXX
Chief Operating Officer & Partner

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


From: XXXX XXXX XXXX XXXX 
Sent: XXXX, XX/XX/XXXX 8:00 AM 
To: XXXX XXXX
Cc: XXXX XXXX XXXX
Subject: RE: XXXX XXXX XXXX XXXX, here is the response we got from TFS:

Two where sent on XX/XX/XXXX to the address submitted: XXXX XXXX XXXX XXXX XXXX XXXX.  Please verify the address.  We receive return mail on these every day.  Im resending another letter out today.

Can you provide another address?

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE:  To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. tax advice contained in this communication is not intended or written to be used, and cannot be used by any taxpayer, for the purpose of avoiding U.S. tax penalties.

CONFIDENTIALITY NOTICE:  This e-mail and any attachments are confidential and may also be privileged.  If you are not the named recipient, please notify the sender immediately and delete the contents of this message without disclosing the contents to anyone, using them for any purpose, or storing or copying the information on any medium.


From: XXXX XXXX XXXX] 
Sent: XXXX, XXXX XXXX XXXX XXXX XXXX
To: XXXX XXXX XXXX 
Subject: RE: XXXX XXXX XXXX 
Thank you.

From: XXXX XXXX XXXX  XXXX 
Sent: XXXX XXXX XXXX XXXX XXXX XXXX
To: XXXX XXXX 
Cc: XXXX XXXX XXXX
Subject: RE: XXXX XXXX XXXX

Let me follow up. XXXX was told TFS had sent it out.


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX:  To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. tax advice contained in this communication is not intended or written to be used, and cannot be used by any taxpayer, for the purpose of avoiding U.S. tax penalties.

CONFIDENTIALITY NOTICE:  This e-mail and any attachments are confidential and may also be privileged.  If you are not the named recipient, please notify the sender immediately and delete the contents of this message without disclosing the contents to anyone, using them for any purpose, or storing or copying the information on any medium.


From: XXXX XXXX XXXX 
Sent: XXXX, XX/XX/XXXX 2:51 PM 
To: XXXX XXXX XXXX 
Subject: FW: XXXX XXXX XXXX XXXX XXXX still has not received the denial of credit letter from your client or Toyota.

Regards,

XXXX XXXX
Chief Operating Officer & Partner

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a trusted advisor for technology infrastructure products and services.   At the heart of XXXX: A secure modern datacenter delivering the Confidentially, Integrity and Availability our customers, employees and business partners demand, 24/7/365.   XXXX customers appreciate the value of a local partner they can turn to for all their needs:  network services, colocation, managed security services, and voice (VoIP).



From: XXXX XXXX 
Sent: XXXX XX/XX/XXXX 6:18 PM
To: XXXX
Subject: FW: XXXX XXXX XXXX XXXX,

I have not seen the letter as of yet, but I am sure it is on its way.  I have one of my employees stopping by tomorrow to pick up personal items that were in the vehicle.  He will have the manuals and keys to the vehicle to trade out.  Can we also get our pro-rated refund for the funds we expended.  XXXX was for the full month.

Regards,

XXXX XXXX
Chief Operating Officer & Partner

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a trusted advisor for technology infrastructure products and services.   At the heart of XXXX: A secure modern datacenter delivering the Confidentially, Integrity and Availability our customers, employees and business partners demand, 24/7/365. XXXX customers appreciate the value of a local partner they can turn to for all their needs:  network services, colocation, managed security services, and voice (VoIP).



From: XXXX XXXX XXXX] 
Sent: XXXX, XXXX XXXX XXXX XXXX XXXX
To: XXXX XXXX 
Subject: FW: XXXX XXXX XXXX XXXX XXXX  |  Attorney
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

   Follow Me:        
From: XXXX XXXX XXXX XXXX 
Sent: XXXX,XX/XX/XXXX 10:11 AM
To: XXXX XXXX 
Cc: XXXX XXXX XXXX
Subject: XXXX XXXX XXXX XXXX I represent XXXX Motor Company.  Please forward any further contact regarding XXXX XXXX XXXX to me.  It is my understanding that Toyota Financial Services has mailed an adverse action notice to your client.
 
 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX:  To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. tax advice contained in this communication is not intended or written to be used, and cannot be used by any taxpayer, for the purpose of avoiding U.S. tax penalties.

CONFIDENTIALITY NOTICE:  This e-mail and any attachments are confidential and may also be privileged.  If you are not the named recipient, please notify the sender immediately and delete the contents of this message without disclosing the contents to anyone, using them for any purpose, or storing or copying the information on any medium.
 
 

________________________________________
XXXX XXXX XXXX  PLLC mail server made the following annotations: 

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Please contact the sender immediately by return e-mail and delete the 
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Company response to consumer: Closed with explanation