Consumer complaint received 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
COMPLAINT ID ( XXXX ) XXXX First, when I read the comment of the professor who answered on behalf of Toyota, I went back to the contract that was sent to me via email after signing the contract. Our agreement was for a loan period of XXXX  months. I found a paper among the papers that Toyota sent me by mail with a signature that was not mine. It was a paper with the contract period that was forged after signing the contract, circumventing the contract period to be XXXX  months. In fact, Toyota forged my signature on the contracts and extended the loan period to XXXX  months. They also added {$4000.00} to the value of the car instead of {$2900.00}? To {$34000.00}. I want to seek protection from you and I want to deduct the amounts paid and also return or deduct {$4000.00} from the value of the car. There are more than XXXX incorrect answers in the response of the honorable gentleman who represented Toyota and answered my first problem : He said that I bought the car from a dealer and not from Toyota. In fact, I have no connection to the titles you call those who work within a company with a name and weight like Toyota and on it is the Toyota logo. I bought the car from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX United States and not from a dealer as you claim. The second error is the loan term. The person who represented Toyota in response to my complaint stated that the loan term is XXXX months, and this is wrong. The loan term is XXXX  months, with a monthly installment of {$560.00}. I have with me the contract that I signed. They said that it stated that in the event of a delay, daily interest is calculated on the delay. This is also wrong. Where is the contract that I signed that states if I am late in paying the monthly installment? For the loan, I pay daily interest, and what is the daily interest rate? I have the original contract, and this does not exist. It also said that I have been late in paying since XXXX. I have not paid at all. This is also wrong because I paid XX/XX/XXXX with XX/XX/XXXX in the amount of {$1200.00}, and I requested to postpone the months of XXXX and XX/XX/XXXX until the end of the loan. This is due to not deducting all the amounts I paid, as you scheduled the installment in the form of an amount that the monthly loan reaches + the interest amount for the loan = {$560.00} per month. I paid XXXX and XX/XX/XXXX together in XXXX. The remainder is now XX/XX/XXXX, which is late in paying, and this is until all the amounts paid are deducted. I paid the other XXXX months due to the threatening letters that you send me to collect the debt, which make me panic, fear, and be afraid of your threats to me if I do not pay. I know that the debt collection law did not stipulate that you wrestle, quarrel, and do flowers to customers who are late in paying. My mind, the reason for the late payment is you Because you are deducting the payment made and you are also causing me panic, fear and turmoil. Fourth : This is the most important mistake made by the honorable gentleman who represented Toyota and responded to my complaints, although in reality he did not respond to my complaint at all. I believe that he did not read what was written in the complaint deliberately in order to ignore the original complaint and talk about things that the customer has no role in, which is the subject of the dealer, the loan term and the daily interest. I want someone from your side to be the one who manages this problem. The issue is not one of forgery, fraud, or deception. I do not trust that the solution to this problem is in the hands of those who forged and put numbers that do not exist. The evidence is that they take the monthly payment and put it all as interest.thank you so much

Company response to consumer: Closed with explanation