Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
This letter serves as a formal notice that your company is in flagrant violation of federal consumer protection laws and is in material breach of the underlying finance contract regarding the above-referenced account. 
Violations of the FCRA and FDCPA : Failure to Validate Debt You are in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ). I submitted a timely XXXX XXXX XXXX in XX/XX/year>. Your failure to cease collection activities and provide the requested validation within the statutory time frame is a clear violation. 
Specifically, 15 U.S.C. 1692g ( b ) mandates that if a consumer disputes a debt in writing within XXXX days of the initial communication, " the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' Your subsequent authorization of the repossession on XX/XX/year>, constitutes a continuation of collection activity that was required to cease and desist. Furthermore, your continued reporting of this account to consumer reporting agencies is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), by reporting inaccurate or non-validated information.

I demand that you immediately cease and desist all collection activities on this account and deem the account not validated and uncollectable at this time until all statutory requirements are met. 
________________________________________ Illegal Repossession and Breach of Peace Your agents, XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) and their sub-contractor XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX ), illegally repossessed my vehicle on XX/XX/year>. This repossession was illegal because it occurred while collection activities were required to be suspended pending debt validation. 
Furthermore, XXXX XXXX XXXX committed a breach of the peace by entering a private, gated community without permission or prior consent and repossessing the vehicle in the middle of the night. State laws governing repossession, such as XXXX XXXXXXXX XXXX XXXX, require that a secured party must proceed without a breach of the peace. Case law, such as XXXX v. XXXX and XXXX v. XXXX XXXXXXXX XXXX, supports that entering an enclosed area without permission constitutes a breach of the peace, thereby making the repossession unlawful. 
________________________________________ Breach of Contract and Invasion of Privacy TMCC materially breached the finance contract by : 1. Sharing my personal information with unconsented third parties ( XXXX XXXX and XXXX XXXX XXXX ) for the purpose of repossession. 
2. Providing access to the vehicle 's GPS system to these third parties to track and locate the vehicle without my explicit consent as required by the terms of the contract, which also constitutes a breach of my privacy rights. 
________________________________________ Conversion of Personal Property and Vehicle Damage The repossession agent, XXXX XXXX XXXX, is responsible for the conversion ( theft ) of personal property that was inside the vehicle at the time of repossession, including : A Men 's two-tone Rolex watch ( Estimated Value : Over {$7700.00} ). 
Cash in the amount of $ {$1200.00} in an envelope labeled " XXXX XXXX. '' Total Loss of XXXX XXXX : {$8900.00}. 
You are vicariously liable for the actions of your agents, including the theft of my personal property. 
Additionally, XXXX XXXX XXXX caused significant damage to the vehicle during the repossession process, including : XXXX door dents in the rear passenger side door. 
Cracked front windshield. 
Broken parking sensor on the rear bumper. 
Estimated Cost of Damages : {$5200.00}. 
________________________________________ Demand for Relief You have violated federal law and breached the contract, leading to significant financial loss. To resolve this matter immediately, I demand the following corrective actions and compensation within XXXX calendar days of your receipt of this letter : 1. Immediate Refund : Refund the full amount of {$7500.00} I was wrongfully forced to pay to redeem the vehicle.

2. Compensation for Personal Property : Remit payment in the amount of {$8900.00} for the converted personal property ( Rolex watch and cash ).

3. Compensation for Damages : Remit payment in the amount of {$5200.00} for the damages caused to the vehicle.

4. Account Correction : Immediately instruct all consumer reporting agencies to delete all reporting related to this account.

Total Demand for Payment : {$21000.00} Failure to fully comply with these demands will result in the immediate filing of a lawsuit against Toyota Motor Credit Corporation, XXXX XXXX, and XXXX XXXX XXXX, seeking all available damages, including statutory damages for the FCRA and FDCPA violations, punitive damages, and attorney 's fees.

Company response to consumer: Closed with explanation