Consumer complaint received 2021-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Upon studying 12 CFR 1026.1 ( regulation Z ) I, XXXX XXXX, becoming aware that I DID NOT have informed use of consumer credit, thereafter, as a consumer, on XX/XX/XXXX via certified mail, sent a notice and demand to TOYOTA MOTOR CREDIT CORPORATION ( hereinafter referred to as " TMCC '' ) to provide me with the validation/verification of the purported loan/debt and any and all actual records of the organization " TMCC '' showing that an honest disclosure of facts relating to the alleged loan/debt was made in compliance with the Truth in Lending laws of the United States Code, Title 15 USC 1601 and Regulation Z ; Furthermore, we stated to " TMCC '' that their claim is disputed and that my response constituted a timely written response to " TMCC 's '' Fair Debt Collection Practices Act notice which stated that " TMCC '' is attempting to collect an alleged debt. My response and written notice and demand to validate/verify is not a dishonor of " TMCC 's '' alleged claim of debt, as stated in my written response which " TMCC '' received. Furthermore, I also sent a notice and demand to cease and desist collection activities prior to validation of purported debt. " TMCC '' received my written notice and demand to validate/verify alleged loan/debt along with a notice by me to cease and desist any and all collection activities prior to validation of purported debt via certified mail on XX/XX/XXXX ; " TMCC '' has not honored my consumer rights and has not responded to any of the demands listed above or any other of the inquiries listed in both notices sent on XX/XX/XXXX. " TMCC '' has yet to respond appropriately to the notarized demands sent ; furthermore " TMCC '' closed my online Toyota account without my permission without notice, without any awareness on my behalf -disabling me from being able to pay online ; In addition, " TMCC '' not only disregarded the notice to validate/verify alleged loan/debt, the notice to cease and desist but also failed to provide proof of honest disclosures in accordance with the law. " TMCC '' has, after receipt of mentioned notices, continued sending statements alleging the debt and have put out reports defaming my character and reputation with the consumer reporting agencies, in addition they have obnoxiously hired " XXXX XXXX XXXX XXXX XXXX '' to come and steal my automobile. " XXXX XXXX XXXX  XXXX XXXX '' hereinafter referred to as " XXXX '' showed up to my domicile at a highly inconvenient time XXXX XXXX before business hours knowing that I work night shifts and didn't go to bed until XXXX XXXX obscenely knocked on the door waking our neighbors and my household in a state of alarm, shock, and confusion, as to the dishonorable, defaming, humiliating, stressful, and belligerent act ; when I stepped outside my automobile was already strapped in and " loaded up '' ( front 2 wheels off the ground ) on " XXXX 's '' tow truck ; as I was under duress and half dressed with no shoes on " XXXX  '' audaciously demanded I give them the keys to said vehicle and threatened us with {$400.00} in charges if I didn't give them the keys to my XXXX XXXX XXXX XXXX XXXX with XXXX miles on it ; when I asked " XXXX '' who authorized the Grand Theft Auto of my vehicle " XXXX '' stated " Toyota Financial '' gave the order- As a result i had to file a police report with the XXXX XXXX POLICE DEPARTMENT on XX/XX/XXXX against " XXXX '' and " TMCC '' for Grand Theft Auto, and I am incurring expenses of missing out on work and expense of having to take my time in response to all of these violations.

Company response to consumer: Closed with explanation