Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
* * Statement of Events * * On Friday, XX/XX/year>, I went to XXXX  XXXX to inquire about leasing a specific XXXX XXXX model after seeing a television advertisement promoting a lease offer of approximately {$3000.00} down and $ 400 monthly payments. I was accompanied by my mother. A salesperson named XXXX approached us. We explained that I was specifically interested in a XXXX XXXX with a black interior, a larger screen, and a sunroof. 

Despite clearly stating my preferences, XXXX directed us to a white XXXX that did not match what I requested. When my mother asked about pricing, he stated that pricing depended on running my credit. We explained that we came specifically because of the advertised XXXX lease. XXXX responded that the advertisement did not apply to Camrys and attempted to redirect us to other vehicles, such as a XXXX. I repeatedly stated that I was not interested and that we could leave and return another time, but he continued to walk us around the lot despite our repeated refusals. 

As we were preparing to leave, XXXX insisted on running my credit just to check availability at other lots. He ran my credit and verbally told me my score was XXXX, without providing any documentation. Later, I learned my XXXX XXXX was approximately XXXX. He then asked if my mother could co-sign. She clearly stated no, explaining that I already had a vehicle, was not in a rush, and we could return another time if needed. Despite this, XXXX continued to reassure us that financing could be arranged through different banks if I was willing to put down {$4000.00} {$5000.00}. My mother stated we could do {$4000.00} only if the monthly payment could be lowered. 

XXXX then stated that he had found the exact vehicle I wanteda XXXX XXXX XXXX with black interior, larger screen, and sunroofat another dealership in XXXX XXXX. He claimed it was a special edition and the only model with my requested features. He said the vehicle could be transferred, but only if I signed paperwork first. I expressed multiple times that the monthly payment he quoted was over {$300.00} above my stated budget and that I was uncomfortable proceeding. Each time, XXXX dismissed my concerns and told me not to worry, stating the finance manager could work the numbers.

Throughout this process, I repeatedly told XXXX that I needed to leave and could come back another day. He pressured me to stay, followed me when I attempted to walk away, and listened in on private conversations between my mother and me. Because he spoke XXXX like us, we felt unable to speak freely without interruption. I also explained that my mother needed to return home to care for my newborn sibling, but XXXX insisted I stay and said it wouldnt take long. This pressure continued for approximately three hours. 

Eventually, XXXX stated that the other dealership had agreed to transfer the vehicle and that I now needed to sign paperwork. I was taken to the finance manager, XXXX, who had me sign the lease documents quickly without explaining the terms or reviewing each document. Unfortunately, by then, my mom had to leave to watch her newborn. I only stayed because XXXX said he would take me home, and you can see the numbers we work for you. But that did not occure When I questioned XXXX about the monthly payment, he said it had only been reduced by about {$20.00} and that nothing further could be done. The entire finance signing process took less than five minutes. 

XXXX drove me home and said he would call me that evening, but did not. On Saturday, XX/XX/year>, he called around XXXX p.m. stating the vehicle had arrived. I returned to the dealership around XXXX XXXX. When I attempted to inspect the vehicle, XXXX immediately focused on helping me download apps and took a photo of me with the car. By the time this occurred, it was dark and I was unable to properly inspect the vehicle. I was never given an opportunity to test drive it. I drove the car to my parents home, where we discovered that the vehicle did not have a sunroof, a feature that had been repeatedly promised and discussed. On what terms did we finalize the payments? After discussing the monthly payments being at XXXX, my parents told me that those payments are too high for me since I'm a full-time student and only work 3 days per week and have other expenses. 

I returned to the dealership that same evening to report the missing sunroof and talk to XXXX about the payments. XXXX says, Yikes, how come XXXX didnt tell you? and was instructed to take the car home and return the next morning at XXXX XXXX to address the issue. 

On Sunday, XX/XX/year>, my mother and I returned to the dealership. XXXX was not present, and I was directed to speak with a manager named XXXX. XXXX acknowledged that XXXX had failed to disclose the missing sunroof and apologized. XXXX then told us that if I wanted the vehicle I was promised, I would need to pay more. By this point, my mother and I explained that the lease was unaffordable. In addition to the $ 565 monthly lease payment, my mothers insurance quoted an additional {$10000.00} annually, requiring me to obtain my own insurance at approximately {$500.00} per month. 

At that time, we clearly stated that we wanted to cancel the lease and return the vehicle. XXXX refused and stated that the vehicle was already registered in my name and that I wouldnt have taken it home otherwise. He told me that returning the car would cause repossession, fines, and damage to my credit, and that the dealership would not take the vehicle back because it would now be considered used. Although we explained to XXXX that we had attempted to return the vehicle that same day, the dealership refused to accept it and stated they were closing. 

On Monday, XX/XX/year>, my mother contacted Toyota Financial Services to request rescission of the lease. Toyota Financial stated they would contact the dealer. On Tuesday, XX/XX/year>, my mother followed up and was told that the dealer had informed Toyota Financial that the matter was resolved and that I was happy because my payments were lowered. After my dad went on Monday night to speak with XXXX about the monthly payments. This statement was false. I have consistently stated that I can not afford the lease. I am a full-time student and work part-time, earning {$28.00} per hour for only XXXX days per week, and there was no resolution with my dad and XXXX. 

At no time was I provided a written list of the vehicles specifications, proper disclosure of financing terms, or documentation supporting the credit score I was told I had. I attempted to return the vehicle immediately upon discovering it was not what was promised and was refused. I feel I was subjected to high-pressure sales tactics, misrepresentation, and denial of a fair opportunity to rescind the transaction.

Addendum Lease Agreement Discrepancies In addition to the events described above, I discovered material discrepancies and omissions in the lease documentation that further support my concerns regarding the validity of this transaction.

First, the odometer reading listed on my lease agreement does not match the actual odometer reading on the vehicle. The lease agreement states that the vehicle had XXXX miles at the time of delivery, while the vehicle itself displays approximately XXXX miles. This discrepancy was not disclosed or explained to me at the time of signing. 

Second, the income information listed in my lease and financing paperwork is inaccurate. The income stated does not reflect my actual earnings. I am a full-time student and work part-time, earning {$28.00} per hour for only three days per week. At no time did the dealership contact my employer to verify my employment or income. 

These discrepancies raise serious concerns regarding the accuracy of the information used to approve my lease and whether proper verification procedures were followed. I was not given an opportunity to review or correct this information before signing, and these issues were only discovered after the transaction was completed.

Company response to consumer: Closed with explanation