Consumer complaint received 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint regarding the vehicle I purchased from XXXX Toyota XXXX and financed through Toyota Motor Credit Corporation. 

I purchased this XXXX, which came with a three-year oil change and service plan and has accumulated only XXXX miles. However, I am facing severe and unacceptable defects, including paint peeling and windows squealing as if the car were decades old. These issues arose long before the vehicles expected lifespan, which should extend far beyond this mileage, and are fundamentally inconsistent with what I was led to expect from a high-quality vehicle. 

Such premature deterioration is a clear violation of my reasonable expectations as a consumer under the XXXX XXXX XXXX ( 15 U.S. Code 2301 et seq. ), which guarantees that goods sold in the United States, including automobiles, will be of merchantable quality and free from defects. The law requires that a product function as expected over its useful life, and the condition of this vehicle certainly does not meet that standard. 

When I approached XXXX Toyota XXXX to resolve these issues, I was met with a disrespectful and inadequate responsean attempt to sell me a new vehicle rather than honor the warranties and obligations tied to my existing purchase. This response is both unprofessional and a clear violation of consumer protection laws, which mandate that businesses stand behind the warranties they offer and make good on promises of quality. 

Moreover, as my vehicle is financed through Toyota Motor Credit Corporation, I have a reasonable expectation that the warranty and associated consumer protections would apply to any necessary repairs, particularly when the vehicle is still under warranty and experiencing significant issues due to manufacturing or material defects. The failure of Toyota Motor Credit Corporation and its dealerships to address these defects in a timely manner raises serious concerns about the company 's commitment to consumer rights and the reliability of its warranties. 

Therefore, I am formally requesting the following : A comprehensive inspection of the vehicle to fully assess the extent of the paint peeling, window squealing, and any other related defects. 

A formal acknowledgment that these issues fall within the scope of my warranty and consumer protection rights and that the necessary repairs will be covered under these agreements. 

Please consider this letter a formal request for immediate action. I expect Toyota Motor Credit Corporation to fulfill its legal obligations and stand by its product and warranty commitments. Failure to resolve this matter promptly will leave me with no choice but to explore further legal remedies available to me under consumer protection laws, including but not limited to contacting the Department of Consumer Affairs or pursuing claims in small claims court. 

Thank you for your immediate attention to this matter. I look forward to a timely and satisfactory response.

Company response to consumer: Closed with explanation