Consumer complaint received 2018-01-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX Thank you for using the Better Business Bureau 's Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXXXXXXXXXX Please print a copy of this for your records. 

Toyota, they have illegally possessed my car ... They made an agreement with me for XXXX for fee waiver, then I tried to pay online. Many times, I tried and was able one to make a payment for online and they I suppose they reject it and log me out my account. I called and just today was told they on purpose blocked me out of my online account. This way I was not able to make payment and stay on top of my fees and next think I know this guy tries to take my car. I talked with him and have a neighbor witness when he said the order to take my car went out the same day.. Wow the same day and already, without any notice at all. I did not get any mail.. In XXXX my mail box was closed and mail returned. I called and use confused with the high fee and they said it was due to my missed payment and I thought I made the payment and could n't confirm since they locked me out. The lady said as long as I make some payment it is ok and they will not take my car so I did and as you see she lied. I have phone call record to prove this and they should also redeem those records to prove the agreement made and it was breeched. Also the guy who towed my car breeched and lied to me the agreement. I did not get any notice or certified mail that is illegal. I initially thought the high fee was based on a disagreement of my car repairs, they got payed by my insurance company but in their angry revenge they tried to charge me {$2000.00} for storage, Toyota called and told me so I thought is was why Toyota also added extra {$2000.00} to my account. So I filed a small Claim lawsuit on Toyota last week and the following week in revenge they illegally took my car. After scamming me and charging me over {$5000.00} in interest and paying for the car twice, Lease XXXX and made me purchase w/o option since XXXX {$550.00} a month paying nearly {$50000.00} for a XXXX worth {$2000.00}. Illegal XXXX Discrimination scams. I was refused a quote on my car from XXXX XXXX and have video recording proof ( treated nasty ). 

Toyota, they have illegally possessed my car ... They made an agreement with me for XXXX for fee waiver, then I tried to pay online. Many times, I tried and was able one to make a payment for online and they I suppose they reject it and log me out my account. I called and just today was told they on purpose blocked me out of my online account. This way I was not able to make payment and stay on top of my fees and next think I know this guy tries to take my car. I talked with him and have a neighbor witness when he said the order to take my car went out the same day.. Wow the same day and already, without any notice at all. I did not get any mail.. In XXXX my mail box was closed and mail returned. I called and use confused with the high fee and they said it was due to my missed payment and I thought I made the payment and could n't confirm since they locked me out. The lady said as long as I make some payment it is ok and they will not take my car so I did and as you see she lied. I have phone call record to prove this and they should also redeem those records to prove the agreement made and it was breeched. Also the guy who towed my car breeched and lied to me the agreement. I did not get any notice or certified mail that is illegal. I initially thought the high fee was based on a disagreement of my car repairs, they got payed by my insurance company but in their angry revenge they tried to charge me {$2000.00} for storage, Toyota called and told me so I thought is was why Toyota also added extra {$2000.00} to my account. So I filed a small Claim lawsuit on Toyota last week and the following week in revenge they illegally took my car. After scamming me and charging me over {$5000.00} in interest and paying for the car twice, Lease XXXX and made me purchase w/o option since XXXX {$550.00} a month paying nearly {$50000.00} for a XXXX worth {$2000.00}. Illegal XXXX Discrimination scams. I was refused a quote on my car from XXXX XXXX and have video recording proof ( treated nasty ) Honor that I 've paid my car off since XXXX I 've been paying every month in addition to two down payments of {$3000.00} XXXX and XXXX, I was lied about the purchase, it was a lease and was told to pay a large fee and was n't given a right to turn in car but was made to purchase it. They also took my XXXX as a trade in and I 'm paying {$550.00} every month. They need to honor that they have scammed me and discrimination and tricked me and had their sales person harass me for years after purchase trying to push to sell me a newer car. I 've paid over {$5000.00} interest, the car was hit and they lied to agree the car was totaled and is now worth {$2000.00}. I have a quote and proof and proof they lie and did not report the car had damage frame, they also did not include miles when making estimate of the car value. When I went to XXXX XXXX XXXX staff/manager refused to give me a quote and this I have on video, he treated me nasty and threw his business card at me. I have a car that is dangerous to drive, frame all bend out of shape and do not drive correctly. they also lied about my payment agreement and for revenge took my car. Toyota is a very crooked company and I 'm done with being bullied and lied to and will take them to court again for breech of contract. I received no notice certified or by phone to prove my car would get taken and since I made a payment why should I worry that will happen? it happened in an act of revenge. I need my money back from the interest, extra fees, restore credit, agree my car is payed in full and I owe noting else with this company. They on purpose locked me out the account so I could n't pay so they can take my car. NOw they also tried to have the repair company take my car and added those fees to my car {$2000.00} that is why I wanted to go online to see and figure out why all the sudden there was this large fee added to my account. The car company was payed but got made for me making a complaint and sent for a lien sale for storage fee after car was in my possession so that was illegal and they demanded cash. XXXX paid {$4000.00} cash and Toyota refused acknowledge the car market value of about {$2000.00} because they are greedy and want to take money from XXXX people as they did with that class action lawsuit against XXXX and XXXX people they charge 5 times interest to just to keep them in struggling and they ruin their credit on purpose. Talking about credit, Toyota breeched contract releasing my personal information and I have proof, allowing companies to access my data and personal information and they also without my permission had their sales guy run my credit like 10 times on purpose to many banks and by then my credit score dropped so then he says only these banks will accept you with high monthly loan payment {$700.00} but Toyota will only charge {$550.00} and this is the way they scammed me on purpose. Ran my credit on purpose, ruined my score and so companies refused to give me a good deal in result, while they come up with a smaller fee so they will get me to pay to them and not another company or bank. Car is payed off and give me title to my car.

Company response to consumer: Closed with explanation