Consumer complaint received 2021-09-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I the consumer, natural person, Original Creditor sent Toyota the following letter edited to meet the above criteria. The original lease took place on the XXXX of XX/XX/XXXX. It has many discrepancies and full disclosure was never given. They also fraudulently reported on my personal credit reports as well as under valued my trade in for their own benefit and never showed me the fair consideration due to me according to federal law. They have expected me to pay {$460.00} every month in federal reserve notes and as below I allege they never, nor did anyone else ever, loan me anything and I therefore have no debt. The remedy I demand is stated below and is based on evidence found in 15 USC chapter 41 violations as well as including and not limited to : personal stress, mental anguish, marital strain, loss of time, etc. Thank you for your consideration in this matter. 

Attn : XXXX XXXX, CEO Cc : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Fax : ( XXXX ) XXXX ( XXXX ) XXXX NAME HERE. 






Greetings and good day, Nunc pro tunc, meaning now for then, is a phrase I have recently learned while spending time on my own general research and development into our modern day credit system. It has come to my attention that the UNITED STATES is, according to law, a federal corporation and that the UNITED STATES went bankrupt in XXXX as well as went off of the silver standard officially in XXXX and is thereby running deceptively on exchanges of nothing more than fiat federal reserve notes, aka a promise to pay, and there is no way for any consumer, natural person nor any one nor any entity to pay any real money for anything. It has come to my attention, nunc pro tunc, that my only other lawful option would be to enact a consumer credit transaction and discharge the alleged debt arising from the transaction by my action of autographing said lease agreement document, and alleged promissory note. It is a fact that I, the consumer, natural person in fact, and Original Creditor may therefore pass along said promise to pay by certain means subscribed in the Uniform Commercial Code, fiat notes, or discharge the debt using my signature and open ended consumer credit plan according 15 USC 1602j. I allege that I, the consumer natural person have never been paid any real money in my life and can therefore never pay any real money or owe any debt to anyone. I allege this entire transaction was based on fraud, deception, and a lack of disclosure. I allege this was done intentionally to get I, the consumer, natural person and Original Creditor to pay an alleged debt that never existed and that could therefore not be owed for the simple fact that fair consideration was not and could never have been given. That, if any alleged business was done, it was done by and with the account known as and its alleged Social Security Number that which according to 18 USC 8 is an obligation of the United States which includes and is not limited to includes certificates of indebtedness. Thereby, leaving I, the consumer, natural person in fact absolutely no lawful money to pay for any alleged debts. I therefore allege there is no debt, there was no debt, and has never been a debt ; that I can not and could not have owed anything to your company. I allege you are and were aware of these facts and failed to disclose them to I, the consumer, natural person in fact at the time of allegedly loaning I anything. I challenge you to share the wet ink signature contract I allegedly signed on the day in question. I challenge you to produce evidence that you did not profit off of the XXXX XXXX I traded in to your company, nor by hypothecating the alleged lease contract I allegedly signed. I challenge you to present to I, the consumer, natural person in fact your journal and ledger entry proving once and for all that your company ever loaned I, the consumer, natural person and Original Creditor in fact anything, and therefore your company never gave and could not give fair consideration in the consumer credit transaction that took place. Furthermore, upon review of my private credit report your company has violated my rights on several occasions and in many ways including but not limited to : reporting my private information every month to alleged reporting agencies without my permission, as well as your company claimed in the name that I, the consumer, natural person needed assistance because I was Affected by natural disaster when taking my XXXX in trade which is completely false and misleading and I never gave your company permission to do so. I demand remedy for damages in the amount of {>= $1,000,000} for the sum of each report violation action taken against I, the consumer, natural person of my private information without my permission and without full disclosure of the facts as well as for personal and private stress and mental detriment and anguish and marital strain, etc. that continues to occur on a daily basis due to this alleged debt. The alleged consumer reporting agencies are nothing more than a fraudulent tactic to intimidate consumers used by companies and banks in an attempt to extort I, the consumer, natural persons open consumer ended credit and deceiving I, the natural person into paying an alleged debt that never could have possibly existed plain and simple. I also demand remedy for the original down payment of {$2000.00} paid on the date in question plus the total sum of every payment made since the beginning of this alleged lease agreement returned plus interest of 12.3 % for the number of months since the date of the alleged signing. I also demand 12.3 % of the sale of the XXXX XXXX XXXX, vin number, I traded in to your company that, again, your company reported falsely and in my name that I needed payment assistance due to Affected by disaster evidenced by attached credit reports. I allege the credit transaction was paid for and securitized upon my signature and by lending your company the social security number of as a registered agent and power of attorney for said account. The law states your company must rebut each and every allegation in this affidavit of truth within the scope of demands made by the consumer, and I demand you respond within 5 days of receipt of this letter, 15 USC 1692g, or you will be immediately put in default and taken to a court of comprehensive jurisdiction. Furthermore, as, I, am the consumer, natural person and according to consumer law and 28 USC 454 all attorneys and judgements are fraud and are guilty of High misdemeanor and have no bearing on I, the consumer, natural persons statements of fact that I, the consumer, natural person and Original Creditor state. I hereby demand you immediately close this account and immediately cease and desist all action against, I, the consumer, natural person also known as, heir, consumer, natural person dba, immediately and send I, the consumer, natural person in fact the Manufacturers Certificate Of Origin ( MCO ) within a 30 day time period, or legal action will be taken against your company. The property in question is for family use as stated in said lease agreement ( see attached copy ) and is therefore a consumer good by law 15 USC 1602i described as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  vin number. Again, if, I do not receive a response from your company within 5 business days 15 1692g, legal action will be taken against TOYOTA MOTOR XXXX XXXX, XXXX.as well as TOYOTA MOTOR CREDIT CORPORATION. Do not bother sending me a contract as evidence of an alleged debt as the contract I, the consumer, natural person allegedly signed is hereby null and void based on the facts previously stated in this Affidavit of Truth. If you proceed to waste more of my limited time on this matter I will have to continue to charge for my time and let it be known on the record, for the record and let the record reflect, I hereby charge {>= $1,000,000} per work hour that will be calculated onto a Bill of Particulars if necessary. I look forward to your response. Thank you an

d may peace be with you. Most Sincerely, Consum
er, Authorized Agent, Heir, Natural person

Company response to consumer: Closed with explanation