Consumer complaint received 2018-03-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
After purchasing a XXXX XXXX from XXXX XXXX ( Toyota Motor Credit Corp ) early XX/XX/XXXX, in good standing. I decided to lease a XXXX XXXX from XXXX/TMCC. On XX/XX/XXXX, I began discussing this with the Finance Manager and XXXX At XXXX, discovering that they had to correct some incorrect reporting to the 4 credit agencies during, the month for XX/XX/XXXX. During this process XXXX XXXX ( emails ), stating that it would be taken care of, it wasn't. After several exchanges with both XXXX and XXXX they removed it, little did I know that it had already effected my lease payment, considerably. The payment increased substantially to $ XXXX/month. I was told that I was already committed and had to now be in this lease. 
After lots of oil changes, and what I know now was unnecessary repairs ; due to the excessive defect in both cars ( Warranty Enhancement Notification XXXX ) I began to have issues with the car XXXX that should NOT have been taking place. 

As a result on XX/XX/XXXX, I had to bring the car in because the seats literally started coming apart at the seams # Invoice XXXX, service adviser, XXXX XXXX. I asked him why it was happening when I have detailed the car annually since I took possession of it. XXXX XXXX explained that the recommended care for the leather is annually and told me it was defective and that they would have it replaced. TMCC sublet to XXXX 's XXXX to replace the leather, which resulted in me having to be in a loaner car for about a month. 

After several recalls for this expensive vehicle I was asked to bring the car in for and additional recall XX/XX/XXXX. I was beginning to spend more time at the dealership than anywhere else, while paying double than what they were advertising my vehicle for so I decided to voluntarily surrender this vehicle that day. I handed over the 2 keys, to XXXX XXXX, Sales Manager and asked for a copy of the Voluntary Surrender Document. ( can provide upon request ) TMCC reported a debit owed of {$2100.00}, which was gross exaggeration of what I owed, upon ending this agreement : {$1100.00} - {$900.00} of it, they charged me for repossession, towing, storage, and detailing ; none of which was needed because I physically brought, the car to them, as well as having the car detailed just a few month prior to me turning it in. They also reported this transaction as a as a repossession ( which it wasnt, it was voluntarily surrendered ) and also charged me for several things that I was not financially responsible for, because they didnt happen. 
They sent this fraudulent debt to me, where I disputed the amount. I was threated and harassed by TMCC. I old them that I would pay the amount I owed, but not the exaggerated amounts they added. They refused and said that they would ruin my credit. Subsequently they also contracted 4 different agencies to collect this debt over the course of the last 6 years : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX, Inc XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX Each time I was contacted, by one of these companies, I sent the same breakdown of expense and my documentation, and each agency opted to discontinue pursuit of collection. ( I have each corresponded letter should I need to send this to you. Working in XXXX XXXX, this type of thing on my credit report prevented me from being employed, and has created a huge disadvantage for me even getting a new car, loan or credit for that matter. I simply DO NOT owe that amount. Both vehicles that I acquired from this dealership were defective when they were manufactured. I did not feel it was fair to charge me for things that never occurred. The car was ultimately sold for $ XXXX On XX/XX/XXXX I was sent form XXXX from Toyota Motor Credit Corporation, where I had to include this amount as income. However they are still reporting me as owing this amount on my credit report. According to the notice they have discharged ( canceled or forgiven ) this debt. They know I didnt owe this amount and wasnt going to give them more money after they overcharged me for 5 years. I paid off the purchase of the XXXX, even though that was defective and they are still reporting this fraudulent amount. 
I am able to provide supporting documentation for all of this if need be, and am just looking to be done with what I thought was completed back in XX/XX/XXXX. Any assistance you can provide would be greatly appreciated. It hs been 6 years please help?

Company response to consumer: Closed with explanation