Consumer complaint received 2025-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX. I brought my car to a dealership in XXXX to get serviced, I usually go to Toyota XXXX where I purchased my XXXX XXXX XXXX XXXX. I was killing time by looking at the SUVs on the lot. I told the agent I was just looking bcuz my daughter is XXXX with her XXXX baby and Im wondering at some point if I should trade in to get an SUV. I left the following day I left paperwork at the service center and seen the same salesman he was what ik now as getting my personal back story, I asked him if he thought that XXXX XXXX XXXX XXXX would sell quick. My car was put together for me I pre ordered it it was loaded. I was just having thoughts about would my car be able to handle the snow etc, the agent XXXX XXXX  me in the office I thought they explain everything to you the only number I heard was what my trade in value was I said its worth way more its a XXXX XXXX XXXX with XXXX on it fully loaded .He said the XXXX XXXX XXXX XXXX was {$26000.00} Im not sure bcuz he just kept writing stuff yea I shouldve asked questions but I was nervous and scared he had me sign a paper for something it was supposed to be the down payment {$1500.00} I had no money so I put it on my credit card whatever that coverage was for that he said I need the warranty already covered that. I wasnt supposed to give him money the trade in was the money. Numerous times I expressed maybe I should just wait for my husband, he was out of town. The XXXX XXXX they traded me and took my car I hadnt even looked at it yet or test drive like I said I was putting my faith into them to explain everything nothing was said, I told him I can not pay over {$200.00} a month he lowered it. The XXXX was supposedly well I paid for a pre certified car we got a pink slip that said IOU.. the car was given to filthy rotten I have no idea my husband is a mechanic its not like me to do that but they kept convincing me you have to your gon na have XXXX grandchildren, its going to be a bad winter your car will never hold up. And the salesman lied to me and said the XXXX was owned by a woman who got the car serviced there XXXX. My husband spent days researching all there illegal wrong doings my husband found out it was leased to a company In California. They were supposed to keep my original warranties I purchased when I bought the car they didnt, they charged me again for all the loans I already had when they shouldve just transferred them at my XXXX XXXX I paid for new loans that I already had but now my XXXX XXXX XXXX I asked several times I think I should wait for my husband I went back 2 days later telling them they sold me a XXXX XXXX XXXX and theres so much stuff wrong with it my husband had to tell them the front right lower balance was cracked and they replaced it there were XXXX other issues my husband found that needed to be worked on, he was beyond XXXX they told us we couldnt cancel the warranties, we asked them 3 times we finally called Toyota financial ourselves and canceled them and with the reimbursement from the warranties we applied toward the car. We called Toyota financial about another type of warranty I purchased I didnt know all this was costing me bcuz its supposed to be pre certified we still have the pink IOU slip anyway that warranty they couldnt cancel it.. TFS said it came up on his end as In error/never activated it was kinda floating around IDK I went in there a few days later in tears Ive been sick to my stomach for days telling them how badly they screwed me over and it was literally making me sick they sold my car for over {$36000.00} and my husband is so good at researching he found out its illegal for a dealership to make over {$10000.00} profit on a car. By the time all was said and done. The final price that I still didnt know the final price bcuz they never once discussed numbers I couldve bought a brand new XXXX they know that was the worst car it wasnt powered it had nothing .. XXXX XXXX XXXX in XXXX Ma are crooks. They used illegal tactics that my husband researched.

Company response to consumer: Closed with explanation