Courtesy Toyota of Brandon

I purchase a vehicle on 12/26/2011 and requested Grow Financial, my personal bank, as the lender. The approval was completed and all paperwork signed by me showed Grow Financial as the lender and lien-holder. Yesterday, I received a call from Wells Fargo about my new loan. Apparently, Courtesy Toyota sent my contract to Wells Fargo without my authorization. The loan has now been funded by Wells Fargo and no one will show me any paperwork that offers my acceptance.

I asked Courtesy Toyota why it was sent to Wells Fargo instead of Grow Financial and their response was that Grow had a contingency of an additional $1,400 that would come out of my pocket, so they choose Wells Fargo. I called Grow and found out that this was not true and that only an automated response was used on the day after Christmas. After looking in their system, the automated response only asked for income verification in the form of 2 pay stubs.

I questioned Courtesy Toyota again about why they did not use the account that I authorized, and they stated that they are allowed to use any bank that offers equal of better value than what I had accepted.

I know for a fact that this is not true, but now I have to consult and attorney. This is going to be a much more lengthy process than I wanted when purchasing a car.

Courtesy Toyota mailed me a flyer that claimed %100 buyback of used Toyota's . The flyer states "Courtesy Toyota will buy back your current vehicle at 100 % of the original factor base MSRP. Your chance to ger your best deal on a 2010 Toyota only at Courtesy. I went to the dealership on 04/25/10 to trade in my Toyota Camry that had 7 months remaining on the lease. And this is where the deceptive practice got even worse. The first car we looked at and test drove was a 2010 Venza that had over 1000 miles on it and I was never told it was a demo. Next, I asked the salesman if Toyota had any factory rebates and or incentive programs and was told no. I asked to see the factory invoice and was told "no" numerous times by the sales manager, **. After I became angry, they agreed to show me the invoice and accused me being un-American!

I want an apology and I want the the advertisement flyers pulled. They are very deceptive and are plain false advertisement. I think they should be required to show the vehicle invoice when asked and disclose factory rebates. One part of the flyer state they will give you %100 percent Trade Value followed by Courtesy TOYOTA will buy back your current vehicle at 100 % of original factory base MSRP which was $24,355.00! They offered me $14,000! Now that's not deceptive trade practices? I have never been treated like this and think Courtesy Toyota is really running a scam on this deal and their practices should be reviewed by the Hillsborough County State Attorney's Office, and Fla State Division of Fraud!

So he repeated the question again. " Yeah, What is your secret? I told him "I don't know what do you mean by that" especially because of the tone of his voice and his attitude. So he said "Explained to me how can you be in the US for 5 years without any credit history? My son and me just look at each other and I felt so humiliated.

I explained to him that I got my Social Security recently and I was just trying to establish a credit history. He did not say one more word. He walked away and 5 minutes after, he sent back the same dealer that took me to the Used Car Departments just to let me know me know that they were not going to be able to sell me a car.

I have been trying to send an email or talk to the Toyota Headwater Office and I am still not able to get a good number to call. I sent an email to the Customer Service complaint and not an answer yet. I also call to the customer service line and the waiting time on the phone line is about 10 minutes wait. What can I do? This complaint was sent to the office of civil rights and will be also sent to the better business bureau. I am seeking to hire an attorney. Should I hire a laywer?

In talking to very experienced repair shop owners, found out that there was a recall for Sludge Settlement in this year Solara. That is why I am sending this. I would like to know if my car is covered by a recall and who to contact. I cannot afford to pay for these repairs. The amount of smoke is getting worse as the weeks pass. Very imbarrasing when starting my car to have a large cloud of smoke. I love my Toyota and hope to purchase another in the future, however would like to know if this problem is covered and can be fixed at no charge to me. Thank you.