Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO

Complaint narrative:
CFPB COMPLAINT PROFESSIONAL VERSION Product : Auto Loan / Vehicle Financing Company : Toyota Motor Credit Corporation XXXX Lexus Financial Services ) Consumers : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Vehicle : XXXX XXXX XXXX XXXX VIN : XXXX Complaint Summary I am submitting this complaint regarding serious misconduct by Lexus Financial Services ( Toyota Motor Credit Corporation ) involving use of a fraudulent contract, failure to investigate forgery, wrongful possession of my vehicle, and refusal to respond to formal legal notices. 

Despite repeated written demands and proof provided, Lexus Financial Services has failed to act in good faith or provide any meaningful response. 

Detailed Description of the Issue My name is XXXX XXXX, and together with my wife XXXX XXXX, we are the consumers on the above-referenced auto loan for a XXXX XXXX XXXX XXXX. 

Lexus Financial Services submitted to law enforcement a contract dated XX/XX/XXXX, claiming it to be a valid financing agreement. 
This contract is fraudulent and unauthorized. 

Neither I nor my wife signed this document The contract does not contain our wet signatures We were not physically present in the United States on XX/XX/XXXX Airline travel records prove we returned to the U.S. only on XX/XX/XXXX We always sign documents with handwritten ( wet ) signatures, never electronic or typed names Despite being informed of these facts and offered proof, Lexus Financial Services : 1. Failed to investigate the forged contract 2. Continued relying on the fraudulent document XXXX. Refused to respond to my formal Legal Demand ( dated XX/XX/XXXX ) 4. Ignored my Final Legal Notice ( received XX/XX/XXXX ) XXXX. Authorized seizure and continued possession of my vehicle XXXX. Caused escalating towing and storage fees XXXX. Refused any meaningful communication or resolution This conduct constitutes bad faith, negligence, consumer harm, and potential fraud. 

Impact on Consumer As a direct result of Lexus Financial Services actions, I have suffered : Loss of access to my vehicle Ongoing towing and storage fees Financial losses Severe emotional distress Inability to resolve the matter due to Lexus refusal to communicate Attempts to Resolve I attempted resolution by : Multiple emails to Lexus Financial Services Formal Legal Demand sent via XXXX ( delivered XX/XX/XXXX ) Final Legal Notice sent via XXXX ( delivered XX/XX/XXXX ) Cooperation with law enforcement No substantive response has been provided. 

What I Am Requesting I respectfully request CFPB assistance to require Lexus Financial Services to : 1. Formally investigate the forged XX/XX/XXXX contract 2. Provide written explanation of how this document entered their system 3. Cease reliance on any fraudulent or unauthorized contract 4. Address wrongful possession of my vehicle 5. Provide a written resolution or settlement 6. Respond in good faith as required under federal consumer protection laws Supporting Documentation Available I can provide the following upon request : Airline travel records XXXX delivery confirmations Copies of Legal Demand and Final Legal Notice Email correspondence Closing Statement I am requesting CFPB intervention because Lexus Financial Services has refused to respond, refused to investigate fraud, and continues to harm me financially. 

I am seeking a fair, lawful, and prompt resolution. 

Thank you for your assistance. 



Consumer Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation