Consumer complaint received 2025-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
PURCHASE DATE : XX/XX/XXXX DEALERSHIP : " XXXX XXXX OF XXXX '' MD FINANCED BY : LEXUS FINANCIAL SERVICES MISLEADING AND FRAUDULENT CONTRACT I purchased a vehicle at " XXXX XXXX OF XXXX '' at the online price of {$12000.00} for a XXXX XXXX XXXX with XXXX miles. I called and spoke with a XXXX XXXX 
XXXX whom was my sales rep, I ask XXXX XXXX is the XXXX XXXX XXXX is available for {$12000.00} and he stated yes and ask me when would I like to see the truck? I told him I live XXXX hour and a half away, so XXXX XXXX will bring me there tomorrow ( XX/XX/XXXX ). So I came looked at the vehicle and test drove it. I had my own credit score available so he would have to run my credit. Per phone conversation I ask XXXX XXXX if I put down {$2000.00} on the {$12000.00}, would the price of the vehicle go down and he stated yes. So the price of the vehicle would be {$10000.00} and I said that sound like a good deal ( I am thinking the entire price for the purchase of the vehicle would be {$10000.00} with my Down. XXXX XXXX also stated that placing a down payment will lower my car payments in which I inquired about because I needed a $ XXXX {$250.00} car note that would fit my budget. So he went and spoke with someone and came back and stated I got approve for the truck. They gave me documents to sign. He stated for purchasing your vehicle your get free tire and wheels and I was very amused and excited because this was my dream truck and my first time purchasing a vehicle on my own. XXXX XXXX stated that my car note would be around $ XXXX a month which was a bit high and my credit score at that time was XXXX. 

On XX/XX/XXXX at around XXXXam my vehicle was missing from in front of my home, so I called the police because my car note was paid so I received a police report # XXXX. Found out XXXX XXXX had my truck towed and repossessed. I ask them how was I behind if I paid the agent stated that I was three months behind. I had lost my job and I called XXXX in XXXX, XXXX ( l request my XXXX XXXX contract in XXXX ), XXXX and XXXX. I had to pay over {$3000.00} which included all these fines. 

Once I received my " Retail Installment Contract ( XXXX ) '' which I only learned in my paralegal studies so XXXX ask to see if | had ( XXXX ) and so I requested an " Original Copy of My Retail Installment Contract '' which " XXXX XXXX OF XXXX '' never disclosed any of this newly discovered evidence. My Annual Percentage Rate was suppose to be at 11.75 % and the document states 15.84 % and the price of the vehicle was {$12000.00} and I put down payment of {$2000.00} and so the price of the vehicle should have been {$10000.00} instead the ( XXXX ) states the Price of the vehicle was {$14000.00}. The amount of payment on the ( XXXX ) states that each payment is {$320.00} verses what all three of the credit bureau reported, which states {$320.00}. During my discoveries I also see my signature has been forged on a few documents. I also see someone has the Power of attorney in which I was not disclosed of none of this newly discovered evidence and I want to Revoke POWER OF ATTONEY with " XXXX XXXX XXXX COMPANY, XXXX XXXX XXXX OF XXXX, XXXX XXXX XXXX XXXX MD, XXXX. While repossessing my vehicle the tow company damaged my vehicle while towing it. The punctured my radiator and condiseding pipe and since then my vehicle has been un drivable and still was paying the car note as much as possible and on time. I filed a complaint with Lexus financial Services and The Third Party Tow Company and no one took responsibility on the damages to my vehicle. 

On XXXX XXXX at around XXXX my vehicle was removed from my the spot where it was not drivable due to the damages in which they where all well aware of. called the rental office and they stated that they did not tow my vehicle because I have a camera and it showed someone towing my vehicle and I just spoke with Lexus a month ago about the car payment and these other unknown added charges that I was not aware of or nor was I properly informed of any costly add-ons. So I called Lexus Financial Services and they said they repossessed my vehicle and she gave me the price to get my truck back and I explained to her that I am not working and I am XXXX. Also explained to the Agent that I just spoken with Lexus about the fraud and discrepancies on my entire contract file. I inquired about the payments in which the conversation was recorded on both sides, she stated that my car note is {$320.00} and I told her its not reflexing my RETAIL INSTALLMENT CONTRACT and she stated that is the correct amount. Then I asked her about the XXXX and she stated that there was no Power Of Attorney in my files. So XXXX ask her could I could I send her a copy of the XXXX and she said no because there isn't one. Then she gave me a ton of information to retrieve my vehicle back in my possession. They are reporting false and inaccurate information to all three credit bureaus.

Further more In accordance with the fair credit reporting act this creditor has violated my rights under 15 U.S.C. 1681 section 602 which states '' I have the right to privacy 15 U.S.C. 1681 section 6048 section 2 states a consumer reporting agency can not furnish an account without my instructions. I was not disclosed about The Right to Resend my Contact according to 15 U.S.C. 1635 " consumer transaction ''. Title 15 section 1605 is the sum of all money. 27 CFR 72II ; section 28:9-405 Modification of assigned contract, Section 463.3 making misrepresentations or by implication of material information ; and other violations in my vehicle contract. Also Lexus of Annapolis falsified the " Credit Application '' stating that I had a MD state Drivers License and I have District of Columbia Driver License. I was not working Full- Time and | was not the Manager of the Company and I was not working at my old job for two year because the business just opened about 6 month before I purchased the XXXX XXXX XXXX XXXX. They came on PRIVATE PROPERTY & STOLE MY VEHICLE Without any Proper Explanation or notice. 

This alleged Contract should be VOID for Fraud, Misleading & for not fully disclosing all important information. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation