Consumer complaint received 2025-02-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Personal information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I leased a XXXX  Lexus XXXX  XXXX in XXXX of XXXX  and now I am formally requesting a fair and reasonable resolution regarding the misrepresentation of my lease financing by Lexus Financial Services and Toyota Motor Credit Corporation. Despite my multiple attempts to resolve this issue, Lexus/Toyota has failed to take any action or respond in good faith.

Actions I Have Taken Without Response from Lexus/Toyota : 1. Repeated Attempts to Contact Lexus/Toyota for Resolution I have called customer service multiple times to dispute the improper lease structuring and the financial burden caused by refinancing.

Each time, I was met with delays, misdirection, and no substantive response.

2. Submitted Formal Written Complaints I have submitted written complaints detailing how the lease was misrepresented, resulting in financial harm.

Lexus/Toyota has failed to provide any written response or corrective action.

3. Requested Lease Corrections and Fair Terms I attempted to work with Lexus/Toyota to fix the lease structure and address their errors.

Instead, I was forced to refinance twice, which only increased my financial burden rather than resolving the initial issue.

4. Filed Disputes Over Unfair Charges and Refinancing Costs I have formally disputed the additional costs, fees, and interest imposed as a direct result of the lease misrepresentation.

Lexus/Toyota has ignored my disputes and refused to take responsibility.

Proposed Resolution : Due to Lexus/Toyotas failure to act in good faith, I am demanding the following actions to resolve this matter fairly and equitably : 1. Immediate Vehicle Return with Full Lien Payoff Lexus/Toyota must accept the return of the vehicle and pay off any remaining lien or balance.

The return should be processed without penalties, fees, or additional costs to me.

2. Full Reimbursement for Financial Losses Lexus/Toyota must fully reimburse all payments made toward the lease and forced refinancing, including interest, fees, and additional costs caused by their misrepresentation.

3. No Adverse Impact on My Credit Lexus/Toyota must ensure that no negative credit reporting results from this situation.

Any adverse marks related to this lease must be removed from my credit report, and no delinquency, repossession, or negative impact should be reported.

4. Formal Written Settlement Agreement Lexus/Toyota must provide a written agreement confirming the vehicle return, lien payoff , reimbursement, and credit protection.

This document must serve as proof that the matter has been fully resolved with no further financial or legal obligations on my part.

Conclusion : I have made every effort to resolve this matter directly with Lexus/Toyota . Their failure to act or respond has caused significant financial harm, and I will escalate this matter to the CFPB, FTC, State Attorney General, and XXXX  if a resolution is not provided immediately.

Company response to consumer: Closed with explanation