Consumer complaint received 2022-10-10
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

On XX/XX/XXXX, I went down to XXXX XXXX car dealership to purchase a vehicle. The first guy XXXX is the one I originally had the appointment with. When we ( me and my mother ) arrived at the dealership at or around XXXX XXXX XXXX we weren't offered coffee or anything. We immediately got into discussing the vehicle and running credit. Remind you that I am a returning customer. I bought a vehicle with XXXX in XXXX and it was paid off in XXXX of XXXX. So I was a little familiar with the process only being that I had a male with me at the time and we dealt with a different employee who is no longer with the company. So for starters XXXX XXXX sat at his desk with a runny nose. I thought ok it's cold inside and or his XXXX are bugging. However, XXXX XXXX had no XXXX nearby, he kept wiping his nose with the back of his hands. Having snot all on his hands and just wiping it on his pants. He's touching paper, handing me pins and phones and not once washed or sanitized his hands. I was abit grossed out. I asked XXXX XXXX if he wanted to excuse himself to go blow and take care of whatever he had going on with his nose. And he excused himself. came back and did not once offer us any hand sanitizer. I had to ask my mom for her personal sanitizer to wipe my phone down. After XXXX XXXX came back, he got the approval from the guy that works with the bank. I believe his name is XXXX. So XXXX said he got an approval with me alone but the bank is asking for $ XXXX down. However I did not have XXXX to put down. I brought up that I received a call and letter in the mail saying if I wanted to purchase another vehicle, I would get {$1000.00} from the dealership to go with what I have to put down on another vehicle for being a loyal customer and paying the vehicle off. So, XXXX XXXX informs me that the offer is no longer valid. I asked him what were my options if that's no longer valid and I don't have XXXX to put down? He said well last time you had a co-signer, could you call him and see if XXXX be able to co -sign again. XXXX, who is my friend and XXXX until XXXX, couldn't sign the papers. So first we tried my mom 's credit. And her credit was ok but not enough income he said the down payment would be the same. So he kind of forced my hand to contact XXXX. Saying well, we know with his credit it will be approved for no money down. So, I say ok lets try it with XXXX. We contact XXXX and XXXX is asking all of the questions I probably did not know to ask. So he runs his credit, at this time XXXX XXXX goes into this little room where XXXX XXXX is and stays in there for the longest time. Now it's probably like XXXX pm. I kept having to go to the door and wave like hello, we are still sitting out here. Like what's the hold up. So XXXX comes out and says XXXX is on the phone with the bank waiting for their approval. I said I thought we already got the approval for what changed. He said he would have him come out and speak to me. I explained to XXXX that if anything is a problem I can come back another day because I had to get my son at XXXX and we were traveling by XXXX and XXXX. XXXX ensured that everything would be good to go before then. So once XXXX went back into those doors, other guys went into the same room and all of them looked directly at me and my mom and started laughing. And now I am feeling completely uncomfortable. I asked my mom if she wanted to just go because I got the feeling they were playing games at this point. Finally, XXXX XXXX comes out and says that he's trying to work with us as much as he could but the bank wants more money down. I said even with XXXX? XXXX said everything was approved. And that XXXX could sign the paperwork digital or by mail. XXXX said no, the bank is having a hard time approving our application. I said well XXXX came and had me sign a paper saying I was ok with XXXX and monthly payments and that was with me alone but I didn't have XXXX to put down so he asked if i could get a co-signer. So what's the problem now.. XXXX XXXX of got loud and said '' THE PROBLEM IS THAT NONE OF YOU CREDIT IS GOOD ENOUGH FOR YOU XXXX XXXX OFF WITH THE VEHICLE WITH WHAT YOU ARE WILLING TO PUT DOWN FOR IT or something or the sort in those words with that tone. The lady on the far right of us ( caucasion ) looked our way and had a shocking look. XXXX goes on to say., I am trying to work with you and if you don't see that then I don't know what to tell you. I said well that was really rude. Then he walks off. XXXX finally comes back and I say to XXXX it is all good. I will just go across XXXX XXXX to the car-max. I came back here because I already had a customer relationship with you guys, well at least I thought. XXXX says the bank is still wanting more down with XXXX as a co-signer. I said no this is too much all I have is XXXX XXXX dollars to my name and if I get a vehicle i would still have to put the insurance etc. But I really wanted that specific vehicle. So XXXX asked if there was anyone else I knew that could co sign with a better XXXX XXXX and verifiable income. I thought about my auntie at the sametime saying to XXXX, it shouldn't be this hard to get approved or denied for a vehicle, XXXX said well you haven't been denied yet, And I responded, yea but I am still sitting here without anything finalized. So I contacted my aunt and he took her information over the phone, ran her credit and got her numbers from employment. And takes it back into the office where XXXX is. And say we got an approval from our aunt with XXXX down. I said really. So I asked how she was approved? He answered that her credit was higher than ours. So while XXXX is in that room with all the other men, ( AGAIN ). I texted XXXX and asked him how are you finishing up paperwork? Doesn't my aunt have to be here to sign before we XXXX XXXX off ) he came out and asked if we could Lyft her down to the dealership. Before my aunt came, my mom had to leave to get my son from school. She left at XXXX. The lady on the far right from us had finished her sale and rang the bell, everyone congratulated her, and she was walked out by her salesman. After my mom left, I was still sitting there and had to wait for her to get there. Finally, she makes it at around XXXX. When she gets there, we are STILL JUST SITTING THERE while XXXX is in this office with XXXX just chatting it up. He was gone for so long, an employee walked past us and asked if we needed help or was waiting for anyone. I said yes, we're waiting for XXXX. He goes inside the room, and everyone looks over at us AGAIN and starts to laugh. My auntie XXXX is now getting irritated. So, when XXXX walks out. I asked again what the car payment was because he said it had gone down a lot from XXXX something when I was approved by myself. He never gave me the numbers. We waited for so long. FINALLY he came with the papers and had my auntie sign them while I worked on getting the insurance. The insurance was in my name, but I had to list my aunt as a driver. And only her name was on the paperwork. We asked why and he said that was the only way to get the bank 's approval with XXXX down. So now we are finally asked to go to the bank and process payment. When we sat down the finance guy name XXXX was kind of going over and explaining things. I asked him how much the monthly payments and he were telling me {$670.00}. I said that's still XXXX a month. He told it had gone down lower than that. I said no he didn't tell me the numbers and I kept asking. So, he called XXXX in there and XXXX lied and said he did go over the numbers and he didn't. So, my aunt was irritated and ready to go she said don't worry about its Tiff, we will be ok on that car note. I explained that paying the car note wasn't he issue. The issue was how long we been down here, we ran XXXX people 's credit and nothing 's changed and u are on the car by yourself. makes no sense to me why the car note is still so high. i then felt played. After signing all documents, paid for insurance, and paid the XXXX XXXX. XXXX tells to walk outside, and XXXX would meet us right there. I asked XXXX if we had to ring the bell and he said yea, but XXXX was supposed to do it after we signed the paper for the car. So, while we were outside waiting, I asked XXXX why we didn't get to ring the bell and his response was : Not everybody is able to. And that comment sat with me for days. I literally bought a vehicle from the same dealership and when I signed my paperwork- the salesman walks us over to the bell and said anytime someone purchases a vehicle from us, they have to ring the bell. I AM A RETURNING CONSTOMER so i know that process. And it wasn't down for us that day. We did not leave off that dealership until XXXX ; XXXX. I was there since XXXX. hadn't ate or nothing. 

I left the dealership Thursday, XX/XX/XXXX. XX/XX/XXXX my aunt calls me and say someone keeps calling her trying to collect a payment over the phone. And saying his name is XXXX. He called her twice. So, I texted XXXX the same day and asked him who was XXXX and explained they were trying to get a payment from her. XXXX texted back and said to tell her not to give payment to anyone. On the XXXX, they called her again trying to collect a payment. I told my aunt let 's get XXXX on the phone and you explain to him what's happening. she did. XXXX asks for the number that was calling her and googles it. Something came up and he read it to us and then said no I would block that number because they shouldn't even be contacting you. On Sunday, XXXX reaches out to my aunt and say they needed her to come down to reassess the vehicle. He said the car wouldn't be taken they just need to do a re-assessment on the car. I drove down there, and my auntie was Lifted by the company. When we both arrived, we were walked to the XXXX office in the back. As soon as we sat down, XXXX say 's unfortunately we have to take to the vehicle back because you XXXX XXXX told the bank that you weren't going to pay for the vehicle. She explained that she had no idea who was calling her asking for a payment after it was informed, we did not have to make a payment until 45 days. We both explained that we called XXXX on 3 ways, and he told us to not answer those calls anymore and to not make a payment to anyone calling from that number. I showed XXXX the text. And he goes, yea unfortunately we can't. We have to take the car back, but we do have another approval if you guys want. My auntie said yes because my niece needs a car, she was in an accident and has a little boy she doesn't need to be walking no more. XXXX walks out and comes back minutes later and say I'm so sorry that approval is no longer available to you guys anymore. I say it's cool. Can we process the refund now. Had I known the car was going to be taking, I would have brought both keys and all the cars paperwork back. But we were informed it wasn't going to be taken. And I have a text from XXXX. We processed the refund that took forever to be refunded. Days later, they send someone out to pick up their extra key and return some items I left in the jeep. On Friday XX/XX/XXXX, XXXX texted me and said someone name XXXX XXXX messaged him on XXXX about being a co-applicant with him to purchase a vehicle from XXXX. She has 6 hard inquiries on her credit report. This lady has nothing to do with the vehicle myself, my mother. XXXX or my aunt XXXX applied for. Some sort of scam of fraudulent activity was taken into place. On top of being discriminated against. I have felt so angry and profiled against being inside of that dealership. We were the only XXXX people and got treated so wrongly. XXXX called me rude through text.