Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX Toyota of XXXX, initially I was there to help my mother trade in her vehicle ( s ) and get a new lease, I had mentioned to the sales person that I was also looking but had not found what I wanted. Towards the end of my mothers process she pulled up a vehicle that I really liked, I told her we could run the numbers but that I had pre-approval with my current lender and would like them to finance through them. After the dealership had closed I advised them I would come back to sign my paperwork when I had my vehicle with me, because I was trading it in anyhow and had also been told some work needed to be completed on the car I was purchasing. The Sales Manager stated he needed me to sign my paperwork that night so that they could hit bonus and that he would have all the work completed timely, he really needed my paperwork signed and since he gave me such a great trade value on my vehicle sight unseen it was only fair, could I help them hit bonus I agreed. When in finance I noticed my deal was financed with a company other than the one I asked for and the finance person stated it must not have been approved through the other financial institution and approved through Toyota. I signed all my documents, including the electronic signatures. On XX/XX/XXXX my sales person contacted me and asked for photos of the vehicle I was trading in and I sent those over to her, she said I could bring it in and they would give me a vehicle to drive until the We Owes were complete on the vehicle I purchased, so I took it in the following day and was given a loaner, with the check engine light on to drive. On XX/XX/XXXX I reached out to the sales person and she advised that my vehicle was ready so I went and picked it up. On XX/XX/XXXX I reached back out to the sales person because I started having issues with the vehicle and asked her about the XXXX key for the vehicle and the pin for the CarLink app that they were going to get from another sales person, I never heard back from them. On XX/XX/XXXX the vehicle I purchased and had signed documents for financing through Toyota Motor Credit showed up as a new account another banking application of mine, I reached out to my sales person to inquire how this happened when I was told I was denied credit through that institution and all my finance paperwork I signed was with Toyota Motor Credit, I also questioned WHY all the We Owes that were part of the contract were not completed prior to delivering the vehicle to me and why there was an open recall on the vehicle still, I was told that they would check with finance because that part didnt seem right and that I can take care of the recall myself. I explained that was not the point, they put that as part of the contract as them owing and that they delivered a vehicle with an open recall on it to a customer, I was told they would talk to the Sales Manager and find out a solution, I never heard back. On XX/XX/XXXX I had enough of not getting answers, I had spoken to my financial institution and they were concerned about the finance paperwork and were going to file a review with the dealership, so I went to the dealership to try and get my own answers. Upon arrival I asked to speak to the Sales Manager and they sent someone else out to speak to me, I again asked to speak to the Sales Manager, when I voiced my concerns about my contract being tampered with without my knowledge he said that they would check dealership does not do that and that I had to have come back in and signed new paperwork and showed me paperwork with my signature on it with the finance companies name on it and it was NOT Toyota Motor Credit, NOT what I had signed and the finance company was not typed into the form it was clearly whited out and hand written into the forms. I told him I had not been back to sign anything and that their whit out game was weak because I could still see the T from Toyota, I then asked him about the remaining items on the We Owe and he said they dont have to honor it because it was after 30 days, even though I brought it to their attention multiple times. I asked if I needed to get an attorney and he said he would no longer speak with me so I asked to speak to the General Manager. While waiting for the General Manager, who I assume never was going to show, a man that claims he works in finance came out and asked if he could help with anything, when I explained that they fraudulently changed paperwork I had executed HE SAID I have been in finance over 20 Years and we do that all the time, we are allowed to make changes to your paperwork to get a deal funded I asked him without the signors knowledge? And that isnt fraud? He repeated again what he already stated that they change paperwork all the time to fund deals and asked if I needed anything else. I asked for the GMs name and he spouted it off to me and I turned and left. Since that day my sales person is no longer at the dealership, my vehicle has multiple maintenance codes flashing, it still has an open recall and I have put less than XXXX miles on it. I have yet to get any further response from them. I have received numerous letters from Toyota Motor Credit stating I was denied for credit and my financial institution still has an open review, my credit has plummeted and I have a vehicle that probably was not safe for them to deliver.

Company response to consumer: Closed with explanation