Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Subject : Unlawful Repossession and Unauthorized Use of My Personal Information by Toyota Financial Services and XXXX XXXX XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Summary of Complaint I am filing this complaint against Toyota Financial Services ( Toyota Motor Credit Corporation ) and XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, TX XXXX, for wrongful repossession and unauthorized use of my personal information. 

Both companies acted unlawfully by creating and enforcing a credit account without my consent. I obtained a copy of the credit application and confirmed that I never signed or authorized it. Despite this, my personal data was used and likely shared or sold, resulting in a vehicle repossession that was unlawful and without verified contractual consent. 



Account and Vehicle Details Vehicle : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account : XXXX Dealership : XXXX XXXX XXXX ( XXXX, TX ) Description of Events XXXX. No Signed Credit Application or Authorization After reviewing the dealerships and XXXX Financials records, I discovered the credit application shows no signature or authorization from me. This means there was no valid consent to process credit or share my information with Toyota Financial Services or any third party.

2. Unauthorized Use and Sharing of Personal Information My private information was used to process financing and may have been transferred or sold without permission. This violates Regulation P ( 12 CFR Part 1016 ) under the GrammLeachBliley Act, which protects consumers from unauthorized data sharing. 
XXXX. Wrongful Repossession Despite being shown proof that I never consented to the credit application or financing, Toyota Financial Services went ahead and repossessed the vehicle. No proper notice of default, right-to-cure, or notice of sale was ever sent.

These actions violate : UCC 9-609 ( b ) : A secured party can not repossess collateral without verified default.

UCC 9-610 : Any disposition of collateral must be commercially reasonable.

Texas Business & Commerce Code 9.625 : Wrongful repossession subjects the creditor to damages and penalties. 
XXXX. Failure to Provide Accounting or Proof of Contract Both Toyota Financial Services and XXXX XXXX XXXX have failed to provide any evidence of a signed contract or accounting of proceeds from the vehicles repossession or potential resale. 



Violations Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Truth in Lending Act ( TILA ) GrammLeachBliley Act / Regulation P ( 12 CFR Part 1016 ) Uniform Commercial Code 9-609, 9-610, 9-625 Texas Business & Commerce Code 9.625 Impact Because of this , I experienced financial harm, emotional stress, and reputational damage. The repossession was unlawful, as no legitimate credit agreement or consumer consent existed. 



Requested Remedies XXXX am asking the CFPB to : XXXX. Investigate Toyota Financial Services and XXXX XXXX XXXX for misuse of my personal data and unlawful repossession. 
XXXX. Require both entities to provide proof of my signed authorization for any credit application or data sharing. 
XXXX. Order return or compensation for the vehicle wrongfully taken. 
XXXX. Direct correction of any negative credit reporting caused by this event. 
XXXX. Enforce applicable penalties or corrective actions for these violations. 



Respectfully submitted, ( signature line ) XXXX XXXX XXXX, Texas

Company response to consumer: Closed with explanation