Tustin Toyota ripoff sold (stole) my trade-in before I was financed and asked me to commit fraud by changing my W-2's Tustin California
I entered a contract for a Ford Explorer from Tustin Toyota. They accepted $1,000 as down and gave me $2250 as a trade for my car.
A little more than a month after the contract, I was contacted by them regarding my financing and was told that it did not go through.
I asked Mario, the GM about my trade-in. He was very rude and irritated that I called him and told me he had other customers to take care of.
I was finally told that the reason my financing did not go through was due to income verification. You see, I am self- employed and they said, I did not produce enough documentation to prove my income.
Again, I called Mario and asked him what is it that I need to provide to prove my income. I told Greg (salesman) that I only had my bank statements at the signing, and asked if that would be acceptable. He said yes. I sent a fax to your finance guy Fazi, a day after I signed for the car asking if the information was sufficient. He never responded. I even left a couple of voice messages. He never responded.
Mario said I would need to provide W-2's stating my income. I told him, but your application asked for my income (which I interpreted) to mean current income. My W-2's will not show my current income, as I explained.
Mario then suggested I have my accountant falsify my W-2's. I was shocked! I asked him why would I do that? He said, so you can show that you have enough income in order to be financed. I couldn't believe he asked me to do this. I told him, there is no way I'm going to falsify my W-2's.
So, later, I met with Greg, and asked again, where is my car? He said, they could not find it and to go ahead and keep the Explorer until they can check a few more options for financing.
A week passed and I didn't hear from them, so I called and talked with Greg who told me to come in and Chris will take care of issuing me a check as per my contract. You mean my invalid contract?
My question was, how can you now inforce a contract that is no longer valid?
I told Chris in Finance that I wanted Kelley Blue Book for my car and my down in return for the car or my down plus a car in like, kind, and class as my trade, or a car in like, kind, and class as my trade in exchange for the down and all considerations of my trade.
He said NO! They were only going to give me my $1,000 down and the $2250.00 as per contract.
I asked what happened to my car and he said they sold it at an auction for less than they were giving me.
I told Chris that I came there with a vehicle paid off and $1,000.00 cash, and I expect to leave their dealership the same way, not oweing them and not being owed by them.
He said they were contacting the police and he had them in his office and they were going to reposess the car I entered into contract with them on. He then accused me of fraud. Telling me that "I" was the one who had falsified the appliction and they were going after me for fraud. He then added, that "I" was looking for loop holes in the contract. If that isn't that cat calling the kettle black?
I will never do business with another Toyota Dealership. They are so smooth, and then they blame "you" when the contract doesn't go through and act as if everything is your falt. When I asked about my car, they made it seem as if they didn't have time to do the research and they didn't really care where it was.
Now that they have sold my car "illegally", they want to blame me for it and file a police report.
I just want to be made whole again. I want to leave, the same way I came, with my $1,000.00 down and a running vehicle in likeness, kind and class.
I do not want enter into another contract with this Dealership ever! I just want to leave the same way I came...not with a bus pass!
Deborah
Carlsbad, California
U.S.A.
Click here to read other Rip Off Reports on Toyota Dealers and Products
11 Updates & Rebuttals
Wanda
Huntsville,Alabama,
U.S.A.
So I'm A Bad Person Because I've Had Credit Problems
#12Consumer Comment
Mon, November 08, 2004
Don, I have some problems with your ending quote as to people with bad credit.
"a) not paying there bills, b) are liars, and c)
want to blame others for their own misfortunes.
Did I forget to include d) are usually trouble makers, that are freeloaders, and are lawsuit happy."
I think thats something that a silver spooned raised person might think.
Yes, I have bad credit due to a child almost dying in the hospital and being charged with over $20,000 in hospital bills,and yes I guess I could have stayed with a man who beat the crap out of me everyday, I don't blame anyone but my self for my actions, I TRY to pay all my bills (maybe not as timely as I'd like) but unlike you I don't make what maybe $50-$150,00
a year, I'm a 35 years old single mom of three and going to college in the spring,working a full time job, with no ones help, I'm not a liar nor am I a "freeloader" I've paid more than you could ever know, Now for the lawsuit happy and the troublemaker remark.
I had many lawyers want to sue the Doctors for my sons problem I said NO.
Just because I've had trouble in the past with my credit I'm actually trying to rebuild it but of course people like you don't give low lifes like me a secong chance!!!!
I tried to buy a house just a small 3 bdrm 1 bath I think it cost maybe $58,000 for my children and I but because of the medical bills I was turned down flat even with a 10% down payment in CASH.
As for my cars I by used and my lying, non paying,
blaming others, sueing Oh yeah don't for get troublmaking Butt saves my butt off to pay CASH!!!!
So get a life (OOOPS forgot you have one, being down on people that are alittle worse off than you!!!)
Wanda
Huntsville,Alabama,
U.S.A.
So I'm A Bad Person Because I've Had Credit Problems
#12Consumer Comment
Mon, November 08, 2004
Don, I have some problems with your ending quote as to people with bad credit.
"a) not paying there bills, b) are liars, and c)
want to blame others for their own misfortunes.
Did I forget to include d) are usually trouble makers, that are freeloaders, and are lawsuit happy."
I think thats something that a silver spooned raised person might think.
Yes, I have bad credit due to a child almost dying in the hospital and being charged with over $20,000 in hospital bills,and yes I guess I could have stayed with a man who beat the crap out of me everyday, I don't blame anyone but my self for my actions, I TRY to pay all my bills (maybe not as timely as I'd like) but unlike you I don't make what maybe $50-$150,00
a year, I'm a 35 years old single mom of three and going to college in the spring,working a full time job, with no ones help, I'm not a liar nor am I a "freeloader" I've paid more than you could ever know, Now for the lawsuit happy and the troublemaker remark.
I had many lawyers want to sue the Doctors for my sons problem I said NO.
Just because I've had trouble in the past with my credit I'm actually trying to rebuild it but of course people like you don't give low lifes like me a secong chance!!!!
I tried to buy a house just a small 3 bdrm 1 bath I think it cost maybe $58,000 for my children and I but because of the medical bills I was turned down flat even with a 10% down payment in CASH.
As for my cars I by used and my lying, non paying,
blaming others, sueing Oh yeah don't for get troublmaking Butt saves my butt off to pay CASH!!!!
So get a life (OOOPS forgot you have one, being down on people that are alittle worse off than you!!!)
Wanda
Huntsville,Alabama,
U.S.A.
So I'm A Bad Person Because I've Had Credit Problems
#12Consumer Comment
Mon, November 08, 2004
Don, I have some problems with your ending quote as to people with bad credit.
"a) not paying there bills, b) are liars, and c)
want to blame others for their own misfortunes.
Did I forget to include d) are usually trouble makers, that are freeloaders, and are lawsuit happy."
I think thats something that a silver spooned raised person might think.
Yes, I have bad credit due to a child almost dying in the hospital and being charged with over $20,000 in hospital bills,and yes I guess I could have stayed with a man who beat the crap out of me everyday, I don't blame anyone but my self for my actions, I TRY to pay all my bills (maybe not as timely as I'd like) but unlike you I don't make what maybe $50-$150,00
a year, I'm a 35 years old single mom of three and going to college in the spring,working a full time job, with no ones help, I'm not a liar nor am I a "freeloader" I've paid more than you could ever know, Now for the lawsuit happy and the troublemaker remark.
I had many lawyers want to sue the Doctors for my sons problem I said NO.
Just because I've had trouble in the past with my credit I'm actually trying to rebuild it but of course people like you don't give low lifes like me a secong chance!!!!
I tried to buy a house just a small 3 bdrm 1 bath I think it cost maybe $58,000 for my children and I but because of the medical bills I was turned down flat even with a 10% down payment in CASH.
As for my cars I by used and my lying, non paying,
blaming others, sueing Oh yeah don't for get troublmaking Butt saves my butt off to pay CASH!!!!
So get a life (OOOPS forgot you have one, being down on people that are alittle worse off than you!!!)
Wanda
Huntsville,Alabama,
U.S.A.
So I'm A Bad Person Because I've Had Credit Problems
#12Consumer Comment
Mon, November 08, 2004
Don, I have some problems with your ending quote as to people with bad credit.
"a) not paying there bills, b) are liars, and c)
want to blame others for their own misfortunes.
Did I forget to include d) are usually trouble makers, that are freeloaders, and are lawsuit happy."
I think thats something that a silver spooned raised person might think.
Yes, I have bad credit due to a child almost dying in the hospital and being charged with over $20,000 in hospital bills,and yes I guess I could have stayed with a man who beat the crap out of me everyday, I don't blame anyone but my self for my actions, I TRY to pay all my bills (maybe not as timely as I'd like) but unlike you I don't make what maybe $50-$150,00
a year, I'm a 35 years old single mom of three and going to college in the spring,working a full time job, with no ones help, I'm not a liar nor am I a "freeloader" I've paid more than you could ever know, Now for the lawsuit happy and the troublemaker remark.
I had many lawyers want to sue the Doctors for my sons problem I said NO.
Just because I've had trouble in the past with my credit I'm actually trying to rebuild it but of course people like you don't give low lifes like me a secong chance!!!!
I tried to buy a house just a small 3 bdrm 1 bath I think it cost maybe $58,000 for my children and I but because of the medical bills I was turned down flat even with a 10% down payment in CASH.
As for my cars I by used and my lying, non paying,
blaming others, sueing Oh yeah don't for get troublmaking Butt saves my butt off to pay CASH!!!!
So get a life (OOOPS forgot you have one, being down on people that are alittle worse off than you!!!)
Don
Irvine,California,
U.S.A.
lies, lies
#12Consumer Suggestion
Sun, November 07, 2004
Your car was NOT stolen from you as you state. YOU are embarrassing yourself with this story.
You agreed with the dealer (as witnessed by your signature on the sales contract) and this is what you state in your complaint, that your car was worth $2,250. This is what they are giving you for your car, e.g. this is what they are buying it for!!! YOU agreed to this!! It shows on your sales contract that this is part of your down payment along with your $1,000 cash. Since they are giving you back $3,250, what is your complaint...really?? Your REAL complaint is that you are angry and you are angry that YOU ruined your credit.
Be honest, you are not telling the whole story. I am a professional auto salesman at a highline dealership. Based on what you are saying, most dealers could get you financed even not for even a sub-prime lender. I suspect you lied about your time of employment; or your income; and/or your credit. You probably lied about previous employment as well and this is why you couldn't produce a tax return for 2002.
I have no interest in this Toyota dealer. From what I'm hearing from you, I'm suspecting that YOU falsified some information on the credit application but yet you've come up with this ridiculous story about the dealer "telling you to fabricate a W-2". This is nonsense and again you are embarrasing yourself. A dealer isn't going to lose a multi million dollar license to sell cars
by being involved with your scam.
Oh, by the way, the dealer can legally come after you for trying to "defraud them or a lender" if you keep harassing them.
Recommendation: Start paying your bills and re-establish your credit. The reason that employers are running credit reports before hiring now days is to weed out people with "bad credit", which are generally people that have bad habits like
a) not paying there bills, b) are liars, and c)
want to blame others for their own misfortunes.
Did I forget to include d) are usually trouble makers, that are freeloaders, and are lawsuit happy.
Sorry, the whole world must be wrong and against you. But I'm sure no one believes your story....maybe John Kerry will?!
Don
Irvine,California,
U.S.A.
Lies, Lies, Lies
#12Consumer Suggestion
Sat, November 06, 2004
I am a licensed automotive sales and leasing rep. I take great pride in offering good service and maintaining excellent customer relations. In (5) years, I've never had an angry customer or anyone ever accuse me of cheating them.
In Toyota's defense (and I was not there)you signed a "contract". This means they agree to certain things and so do you. Once agreed upon, it's in writing. On the back of the sales contract (long form) you initialed "the recision clause" stating that "if" the dealer cannot get you financed, you must return the vehicle...it is that simple. As far as your trade in, dealers must get them off the lot asap, which oftern means going to the auction. The only thing the dealer is obligated to you for is the "fair market value of your car" (no Kelly Blue book). This $2,250 you stated, is also stated on your contract and this is what they are liable to you for (only). If you want to be angry (and it certainly sounds like you are!!) you need to take a close look at yourself. YOU are the one that has most likely "ruined your credit". There is nothing stopping you from getting your own financing. Why didn't you do this? Because you couldn't!! Get over this because you do not have a let to stand on. And if you continue to harass the dealership in anyway, "yes"..they will call the police to remove you from their property and they also have good lawyers that can come after you if you are slandering them.
No reputable dealer will tell you to falsify documents. There are lenders that specialize in
what we call "credit challenges" like yourself. I
would be willing to talk with you and most likely can get you into a vehicle and help you re-establish your credit. You are welcome to contact me.
Don
Irvine,California,
U.S.A.
Lies, Lies, Lies
#12Consumer Suggestion
Sat, November 06, 2004
I am a licensed automotive sales and leasing rep. I take great pride in offering good service and maintaining excellent customer relations. In (5) years, I've never had an angry customer or anyone ever accuse me of cheating them.
In Toyota's defense (and I was not there)you signed a "contract". This means they agree to certain things and so do you. Once agreed upon, it's in writing. On the back of the sales contract (long form) you initialed "the recision clause" stating that "if" the dealer cannot get you financed, you must return the vehicle...it is that simple. As far as your trade in, dealers must get them off the lot asap, which oftern means going to the auction. The only thing the dealer is obligated to you for is the "fair market value of your car" (no Kelly Blue book). This $2,250 you stated, is also stated on your contract and this is what they are liable to you for (only). If you want to be angry (and it certainly sounds like you are!!) you need to take a close look at yourself. YOU are the one that has most likely "ruined your credit". There is nothing stopping you from getting your own financing. Why didn't you do this? Because you couldn't!! Get over this because you do not have a let to stand on. And if you continue to harass the dealership in anyway, "yes"..they will call the police to remove you from their property and they also have good lawyers that can come after you if you are slandering them.
No reputable dealer will tell you to falsify documents. There are lenders that specialize in
what we call "credit challenges" like yourself. I
would be willing to talk with you and most likely can get you into a vehicle and help you re-establish your credit. You are welcome to contact me.
Don
Irvine,California,
U.S.A.
Lies, Lies, Lies
#12Consumer Suggestion
Sat, November 06, 2004
I am a licensed automotive sales and leasing rep. I take great pride in offering good service and maintaining excellent customer relations. In (5) years, I've never had an angry customer or anyone ever accuse me of cheating them.
In Toyota's defense (and I was not there)you signed a "contract". This means they agree to certain things and so do you. Once agreed upon, it's in writing. On the back of the sales contract (long form) you initialed "the recision clause" stating that "if" the dealer cannot get you financed, you must return the vehicle...it is that simple. As far as your trade in, dealers must get them off the lot asap, which oftern means going to the auction. The only thing the dealer is obligated to you for is the "fair market value of your car" (no Kelly Blue book). This $2,250 you stated, is also stated on your contract and this is what they are liable to you for (only). If you want to be angry (and it certainly sounds like you are!!) you need to take a close look at yourself. YOU are the one that has most likely "ruined your credit". There is nothing stopping you from getting your own financing. Why didn't you do this? Because you couldn't!! Get over this because you do not have a let to stand on. And if you continue to harass the dealership in anyway, "yes"..they will call the police to remove you from their property and they also have good lawyers that can come after you if you are slandering them.
No reputable dealer will tell you to falsify documents. There are lenders that specialize in
what we call "credit challenges" like yourself. I
would be willing to talk with you and most likely can get you into a vehicle and help you re-establish your credit. You are welcome to contact me.
Don
Irvine,California,
U.S.A.
Lies, Lies, Lies
#12Consumer Suggestion
Sat, November 06, 2004
I am a licensed automotive sales and leasing rep. I take great pride in offering good service and maintaining excellent customer relations. In (5) years, I've never had an angry customer or anyone ever accuse me of cheating them.
In Toyota's defense (and I was not there)you signed a "contract". This means they agree to certain things and so do you. Once agreed upon, it's in writing. On the back of the sales contract (long form) you initialed "the recision clause" stating that "if" the dealer cannot get you financed, you must return the vehicle...it is that simple. As far as your trade in, dealers must get them off the lot asap, which oftern means going to the auction. The only thing the dealer is obligated to you for is the "fair market value of your car" (no Kelly Blue book). This $2,250 you stated, is also stated on your contract and this is what they are liable to you for (only). If you want to be angry (and it certainly sounds like you are!!) you need to take a close look at yourself. YOU are the one that has most likely "ruined your credit". There is nothing stopping you from getting your own financing. Why didn't you do this? Because you couldn't!! Get over this because you do not have a let to stand on. And if you continue to harass the dealership in anyway, "yes"..they will call the police to remove you from their property and they also have good lawyers that can come after you if you are slandering them.
No reputable dealer will tell you to falsify documents. There are lenders that specialize in
what we call "credit challenges" like yourself. I
would be willing to talk with you and most likely can get you into a vehicle and help you re-establish your credit. You are welcome to contact me.
D
Carlsbad,California,
U.S.A.
You Don't Know What You Are Talking About
#12Author of original report
Sun, October 24, 2004
For your information, My bank statements did match the amount I put on my application. This was not the problem. The problem was MY CAR was sold ILLEGALLY.
Rick
Newport Beach,California,
U.S.A.
LIES LIES LIES
#12Consumer Comment
Tue, October 19, 2004
You Wrote:
"Mario said I would need to provide W-2's stating my income. I told him, but your application asked for my income (which I interpreted) to mean current income. My W-2's will not show my current income, as I explained."
This is true but what you failed to say was that ALL finance companies WILL take bank statements as proof of income...ONLY...If the amount that goes into your account is EQUAL to what YOU put down as monthly income on your credit application!
It is painfully obvious that this website as helpful as it is...Does NOT investigate the reports that get submitted to prevent a fraudulent attempt to slander a dealership!
Hell I dont even sell cars anymore and I can see that ALOT of these supposed reports are from ignorant people of suspect moral direction!
People need to ask themselves one important question...Why is it if a customer withholds information in negotiation(ie: Income, Trade In Condition, PreApproval) he is just being a good negotiator...But if a salesperson does the EXACT same thing they are snakes?
The people who live on this site who just comment with venom on every report and side with the consumer are obviously tainted from a bad experience in the past.
Here is a suggestion America...If car salesman are scum why dont we do this...Just like every other business in the USA...EVERYONE will pay the same price for the exact same model! Doesent that sound great...Just like Saturn...We all regardless of our negotiation skills will pay the same!
Americans will NEVER go for this...NEVER and Saturn proves this! They have been in business for almost 20 years and they still cost GM money!
Just get over it America...If the current system of retail pisses you off so much then write your Congressman and lobby to make us all pay the same price...Until that day you are smart to keep quiet to hide your ignorance!