Consumer complaint received 2024-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX, as the original creditor, private investor I extended a security instrument to TFS in the form of a Receivable Retail Buyers Order. I did not extend a receivables to TFS to be determined by a consumer report instead, I sent a security in accordance with the SEC Act of 1933. I sent to TFS a valuable security instrument as a Receivable according to the TFS 424B2 filed with the SEC filed in accordance with SEC Rule 415 ( a ) ( 1 ) ( x ) as per 17 CFR 230.131 and the SEC Act of 1933.

As a consumer in the midst of a consumer transaction for goods and services in good faith, TFS violated my rights in violation of the SEC Act of 1933 and 15 USC 1681a ( I ) ( 1 ) and the Privacy Rights Act of 1974 with my prior applications and receivables as well as this transaction with TFS as detailed in my attached response to the adverse action taken against me.

I received an adverse action letter from the executive office of TFS accusing me of acting in dishonor dated XX/XX/XXXX stating that TFS is refusing to honor the retail buyers order based on the legal theory that I applied. 

This is misconception and deceit, as the private investor I was under the impression I was extending to TFS a receivable based upon the TFS 424B2 Offering to investors. 
The file is too large to attach to this complaint, but please refer to it as it was recently filed with the SEC and I reference it in my attached letter to the Office of Executive Principles. 
15 U.S. Code 1681n - Civil liability for willful noncompliance By not fully complying with the terms I extended in the the receivables you are in violation of my consumer rights. Therefore, you now hold civil liability for willful noncompliance. 
15 U.S. Code 1681o - Civil liability for negligent noncompliance Your negligent noncompliance by not extending to me the terms and condition that apply to your 424B2 as an investor, TFS is violating the rights that I am entitled as the investor as the original creditor/private investor as determined in your 424B2. 
The damages caused by your incompetency and fraud I have suffered negligence in my family household by not being able to acquire the necessity for my family. This is violation of my pursuit of happiness, I have been shamed, this damages my character reputation, causes XXXX XXXX and a great deal of stress. I have fully lost trust in the banking system by you making false claims and using false records and statement materials for the approval of credit ( 31 USC 3729 ). 
My prayer in relief, I ask that you fully restore all trust within the banking system by fully extending the credits to the consumer. My research, time spent reading your SEC filings looking for all of the fraud that is committed by TFS against the consumers, my labor of having to respond to your adverse action is valued at XXXX XXXXXXXX USD and I should be fully compensated for your willful, deliberate and conscious actions of securities fraud. If I am not fully giving all demands to restore faith and trust within this account receivables transaction, I will take civil actions for all damages caused by your negligence. 
The following is a demonstration of my loyalty to Toyota products and extending book-entry receivables in the past and the amount of value that each of my receivables has generated for the TMCC should be valued and appreciated. 
I purchased my first Toyota Product in XXXX a XXXX Lexus GS 300. 
Again in XXXX - XXXX Toyota 4-Runner Again in XXXX - Toyota 4-Runner  XXXX - Toyota Sienna that you repossessed XXXX - Toyota 4-Runner I am definitely an investor with Toyota let the record show.

Company response to consumer: Closed with explanation