Consumer complaint received 2016-11-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NM)

I went to Sterling XXXX XXXX on the XXXX XXXX in XXXX, TX on or about XX/XX/2016 and traded in my XXXX Toyota Avalon for a XXXX Toyota RAV4. I was told I was approved for a loan to buy the car with Toyota Financing. At closing I was told NOT to date anything. In addition to signing the standard contract I was told to sign and make initials in an electronic system that I could not see what I was signing. I drove the car home that night with the car salesman who rode back to my apartment to sign on the line he instructed me to on the back of the title. The next day the salesman informed me I signed the back of the Avalon title on the wrong line. I was going to come in to sign on the correct line the next day and when I called him he told me I did n't have to. I still have the copy of my temporary car insurance from XXXX XXXX that was printed for me that day. XXXX XXXX called me after the dale saying they would like to refinance my new car for me claiming they could get a better rate and lower my payment. Then I received correspondence from XXXX XXXX Bank and XXXX denying financing for the car dated just after XX/XX/XXXX. I went back to the dealership on XXXX, because I had a light on in the car. The dealership had me sign a document to about the extended warranty I had purchased at closing. I never received a bill from XXXX so I called and was given my account number from Toyota Lexus Financial Services and I made my first payment on XX/XX/XXXX over the phone directly from the same checking account. I was told what my Tohota Lexus account number was. I received a XXXX XXXX receipt and noticed it did not have myy middle initial. There was an on going investigation by XXXX Police for vaious forms of fraud including the XXXX account I can not close today. My bank statements are incorrect and the credit card and the bank drafted on XX/XX/2016. That is the date I went back to Toyota and had air put in the tire and it is the only date I was allowed to sign. Later my bank statements continued to have incorrect dates corresponding with what XXXX XXXX wanted them to show. A renters claim was made by me and XXXX XXXX denied it. I was told that my renters policy covered theft but not identity theft. I plan to appeal. I went into the XXXX XXXX Toyota dealership and spoke to the general manager. They tried to cover it up and denied any wrongdoing but my credit repots and what I got in the mail and on the computer indicated there was a Lease Trust,. After I had made two more payments but was n't getting credit I rsaw there were multiple accounts. All the payebts are accounted for in the additional staqtements I received at XXXX different addresses. I was getting alarming calls on my XXXX phone claiming I was 45 days late on the payment. Later, more calls came ffrom Toyota Financing harassing me when I was two weeks late. Finally, I realized my phone was synched to my ex husbands phone. I could see his portfolio and all the companies he had been making bets with. The phone had a history of numerous Trusts and Global information for the stock market. My mail while I lived in XXXX was stolen, my {$24000.00} annuity was taken XX/XX/XXXX and this car I thought I was buying had been securitiaed and I managed to downloan some information about Toyota Financial Services, a limited liability corp.. Later, XXXX sends a copy of my accounts. My electricity company, my lease, my internet and my XXXX ALL are limited liability corps. XXXX XXXX did help my ex husband refinance but to who if not XXXX? XXXX is the only party that had my correct address but sent numerous letters claiming the US Postal Service informed them a permanent change in my mailing address. Its a mess! XXXX XXXX Toyota on the XXXX XXXX permitted the frau