Discriminatory Action of Lexus Financial/Toyota Motor Credit
To Whom It May Concern:
On the 6th of September 1999, l walked in to Lexus of Massapequa (Lexus Car Dealership) in Sunrise Highway Long Island, Nassau County.
I inquired about leasing new car for my business, I spoke to gentleman by the name Tony Vella (Salesperson) for the dealership (Lexus of Massapequa). I was told everything is okay that l will need $1000.00 deposit to reserve my car, l paid the $1000.00.
After a week, l was called by the business manager of the dealership (Lexus of Massapequa) and told me that he cannot get me approved based on my credit history, then said he (Business Manager Lexus of Massapequa) found a financial company by the name Lexus Financial Services will approved me with $3000.00 down and sales tax of $2639.00 upfront plus $500.00 deposit plus first month payment total of $7,328.26.
I agreed to pay all this amount, because l knew my credit is not as good then. After agreeing to this conditions, he (Business Manager Lexus of Massapequa) called me back and said Lexus Financial Services still require additional co-signer.
I told Cynthia Mont my girlfriend to co-sign for me, she said to me she only make $26-29000.00 dollars a year, she dont know if they (Lexus Financial Services) will approve her to co-sign for me.
We both went to Lexus of Massapequa (Lexus Car Dealership) in Sunrise Highway Long Island, Nassau County, and she co-sign for me and l was approved.
I took possession of the car on September 28,1999, after six months into the payment, l checked my credit report to see if everything has been reported as promised by (Lexus Financial Services) but nothing.
When l called (Lexus Financial/Toyota Motor Credit) l spoke to customer service l was told my name was not included in the said account (# 02049272058). I faxed my contract to them, still l was told (Lexus Financial Services) never give me no credit, the credit was given to Cynthia Mont.
I hired a lawyer (Kelllie Gasink) to filed a suit or write them (Lexus Financial/Toyota Motor Credit) to sort out this issues. It took almost a year to sort out the issues.
On January 5 (Lexus Financial Services) agreed to changed the contract to my name (see attached) (exhibit 1).
I decided not to pursue legal remedy, after one year l applied for loan, l was turned down, due to insufficient credit history, l called for my credit report from all the 3 major credit report agencies:- Experian, TransUnion and Equifax. There is nothing about the car lease on it.
I called (Lexus Financial Services) and filed complaint again, l was sent a letter January 4th (see attached) (exhibit 2) explaining that request has been sent out to three major credit asking them to record my history payment on my credit report.
After six months nothing was done, l called (Lexus Financial/Toyota Motor Credit) to filed complaint (see attached) (exhibit 3). On June 18th, Another letter sent to me by Lexus Financial Services explaining the same lies over and over again..
In October 5th l called (Lexus Financial Services) and threaten a law suit or file complaint with Attorney General Office, if nothing is done, a letter was sent by Lexus Financial/Toyota Motor Credit out again on October 22nd explaining the same lies over and over again (see attached) (exhibit 4).
My lease was over in December 29th l apply for loan with (Lexus Financial Services), l was denied loan, by this same company that previously told me that theyve sent letters directing credit report agencies to add the transactions l had with them to my credit report.
I believed Lexus Financial/Toyota Motor Credit has not acted sincerely about the whole deals from the beginning, theyve discriminatory acted unfit to be in car business, after unstained 39 months lease, they Lexus Financial Credit denied me credit for another lease, reason NO LEASING EXPERIENCE. (see attached) (exhibit 5).
I am hereby demanding that Lexus Financial/Toyota Motor Credit to refund me back all my initial deposit of $7,328.26, plus interest and to annulled the contract that I signed (see attached) (exhibit 6) with Ms. Cynthia Mont, thereby all payment made on this car should be returned, including the maintenance, insurance and miscellaneous expenses, because the said contract was not followed by (Lexus Financial Services), therefore the contract is not valid. My whole purpose has been defeated by this financial company.
I believed Lexus Financial / Toyota Motor Credit discriminated against me, because of my race and national origin.
Sincerely Submitted,
Tunde Ojo Bolarinwa
CC: Attorney General Office
Better Business Bureau
Lexus Headquarters
Civil Court of New York
Dept. Of Consumer Affairs
Lexus of Massapequa
Federal Reserve Bank of New York
Federal Reserve Board
NBC News (Dateline)
FOX 5 WNYW (Problem Solver)
Attorney Murielle Steven Walsh, Esq.
Office of Consumer Affairs
Department of Commerce
Tunde
Brooklyn, New York
U.S.A.
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