Consumer complaint received 2021-06-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I am a simple, humble, XXXX from XXXX working as a XXXX XXXX 
As my 20 year old car was breaking down often and consuming a lot of gas, I finally decided to buy a good car for my work. 
So I visited XXXX XXXX of XXXX NY car dealer on XX/XX/2021 in order to find a car that would suit my needs and with low gas mileage. 
A rookie salesperson approached me and helped me identify the car of my choice. I was aiming at XXXX XXXX XXXX ( XXXX  ) and she verbally told me the total price with sales tax/DMV fees/ registration would come to around {$50000.00} ( XXXX XXXX only ). 
I agreed to this price verbally and she quickly requested a down payment and I agreed to give {$15000.00} via credit card. However I was charged {$15000.00} ( XXXX XXXX XXXX XXXX ) while I was not informed that an extra {$450.00} will be charged as a credit card processing fee. She also said that if I don't buy this now, there are others who are ready to buy it in cash. That instilled fear in me and I started following her instructions. 
Then I was directed to meet the finance manager ( FM ) in his room. He quickly made me sign the finance documents blindly without giving me any explanation of each item. When I requested him time for me to read the documents before signing, he said in a harsh tone that a copy of each signed document will be offered in the end in a folder thus making me sign the contract under duress. 
I almost felt like I was being coerced to sign at gunpoint. I had no choice. When I requested to speak with the general manager, I was told he is the final authority by the sales person. I was not even shown the window sticker from the XXXX XXXX XXXX at any time. 
Then when I came home with the new car, I went through the documents in detail, I realized that I was conned. The initial verbally quoted price of {$50000.00} ( XXXX XXXX ) inclusive of all taxes/fees was now set at {$61000.00}. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). I was petrified and decided to go back the same day to the dealer but they were closed for the day. 
So the next day XX/XX/2021, I went back and met with the finance managerXXXX XXXX and XXXX XXXX ( XXXX sales ) with a family friend. Now I was told I had no choice because I had signed the documents and had no other options. He wouldn't explain what " aftermarkets '' charge on the vehicle purchase agreement meant. He then showed me the window sticker after demanding it and then I found out that the price quoted on the vehicle purchase agreement was {$7100.00} more than the windows sticker price!! 
I then called the DA 's office for XXXX county to identify what options I have. I was told by XXXX at the DA 's ( District Attorney ) office that I had to return the vehicle within 3 days of having bought it in order to press charges. 
So the next day XX/XX/2021, I went back to the dealership to resolve the pricing issue else return the vehicle but the dealer was unwilling to help in anyway. So I called the XXXXPD ( XXXX county police department ) 911 and informed them about the issue. They dispatched officer XXXX XXXX ( badge XXXX ) filed a report # XXXX and offered to returned the vehicle to the dealer along with the keys.