Complain about a product or service

Toyota Financial Services

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Gloria of Elizabeth NJ writes (8/2/01):
In October of 1998 I purchased a 1998 Toyota Avalon through Toyota Financial Services. I make monthly payments of $517.17. I owed the payments for the months of June and July, which payments were mailed on July 30, 2001 along with the late fee. On July 30, 2001, I went to pick up my son at the baby sitter and when I came out, my car was gone. I was told by some woman that the car was towed away. I then called the Elizabeth Police Department and they informed me that the car was repossessed. I never received notice from Toyota that my car was going to be repossessed, never received notice that I was in default. They claim they called me at work but I never received any calls from them. They did not try and contact me at home either. When I contacted Toyota the next morning I was told that in order to get my car back I had to pay them the full amount owed to them and I had to wait approximately two weeks to receive a letter from them and that they could not discuss this matter with me any further. I explained to him that I had proof that the money orders were sent to them and that I was only really a month late because July was due on July 20, 2001 and I have a ten-day grace period. He said that was not his problem that even if I could prove that the payments were made once the car is reposed the only way to get it back is to pay them the full amount owed. I have sacrificed for 2 1/2 years paying this car for an approximate total of $15,000 that I have already paid for them to take it from me for only two payments. No notice no phone call, nothing. I was left stranded with my six-month-old baby and all my belongings were taken along with my car. When I went to pick up my belongings, I was told that I was not allowed to remove my things that they had to do it for me. They treated me as if I were a delinquent and insulted my husband as well.

Maria of Paulsboro NH had a similar experience. On 10/17/00 she wrote:
I believe my car was illegally repossessed by Toyota. In July 1999 my license was suspended for DUI and when my car insurance was to renew I couldn't renew because I had no license. I continued making payments on the car. In December my car was repossessed.

In July 2000 I tried to get in touch with Toyota to find out where my car was since I had put $6000, down and paid monthly for 3 years and felt I was entitled to compensation for at least part of it. I was given the runaround by everyone at the dealership and the credit corp. It was suggested I wrote to Ed Turon for this info and I did so on 8-7-00 mailing it registered, return receipt. To this date I have not recieved a response.

Obviously besides ruining my credit, I am out the cash investment I had in the car. I got my license back in April and have to had continuing taking one and sometimes 2 busses to get to work. I have not been able to look for full time permanent work with benefits since I still do not have my own car. I also have not been able to spend time with my 21-year-old son who lives on his own in Pa. or worse have not been available to my 12-year-old daughter who lives with her father 25 miles away.

Emily of Woodridge IL (11/13/00):
It started when I first purchased the lease and it took them several months to straighten it out. I gave them a cashier check for $1000 and also gave them cash which a young guy name Mike took. They finally found the check in the office after four months and updated the account in 2/00/00. I was told that I only owed somewhere between 75 cents and a dollar the way they figured it out and that was due for the month of March 00.

Since then I have always paid. If late the payments still gets there. I was laid off but still managed to pay. I just recently sent a payment of $500 which they should receive by 11/13/00. They still would not update my info and kept telling me they didn't give a damn. I have all my cashier checks and not one time have they been sending information to my p.o.b. (statements), but i continue to send them the payments no matter what.

My car was taken from my job 11/13/00 at 1:55 a.m. and I have no means of tranportation. My purse was inside my car, my identification and my credit cards and $200 cash was in my wallet and there is also a gun inside the purse which is my spouse's. I have purchased new Christmas toys that I had in the trunk along with a new coat, my Primco cell phone and speed radar.

I contacted customer service who claimed they didn't have a clue at 1-800-874-8822 and talked with a lady name kim and told me to call her back and they will call the office. I spent $900 on Christmas toys and all my belongings were taken. I have tried to resolve this issue, that being my only means of tranportation and my youngest child is disabled and receives blood three times a week.

D.H. of Jacksonville FL writes: I have been a Toyota customer for years. I have never been so humiliated or felt so cheated before ... All I am trying to do is purchase my Camry because the lease is up.

I am fronting $8,000 in cash and financing $3,000. This dealership is trying to charge me $800 over my residual just to process the paperwork. This is ridiculous!

I feel cheated and lied to. Is this right? The manager ... had me so upset tonight, I ran out in tears.

I have always been happy with Toyota. I would like to buy the vehicle that I have leased for the last three years. Why is it that Toyota Motor Credit says all I have to do is pay $10,995 and I own the vehicle, yet Buddy Hutchinson says I must pay everything including at $50 administrative fee, $289 delivery fee for cleaning, etc (which I already have the car so it needs no detailing of which they said they wouldn't detail it anyway), and an additional $500 for their profit over my residual ... otherwise it's not worth their time or profitable enough for them to sell me my own vehicle.

Edward of Jamaica Plain MA writes (5/2/01):
Bought 1997 Toyota Camry from Mr. Efron 12/12/2000. Mr. Efron buys vehicles at auction. This vehicle was leased by Toyota Finance prior to auction as a private lease. The vehicle had 37,121 miles. Two days after the 90-day warranty expired, the check engine light came on.

On inspection it was revealed that this car had bad compression in two cyclinders as a result of enormous sludge deposits. Toyota of USA refused to service and repair under its drive-train warranty claiming lack of maintenance. Mr. Efron declined to share in the costs of replacing the engine which was recommended. Apparently the car was dumped on the auction block by Toyota Finance without proper maintenance or the odometer was turned back to have that much sludge in it.

The economic consequences are we will have to replace the engine. Estimates have been as high as $8,500. We have be rejected by three Toyota dealerships and Toyota of USA in regards to honoring their warranty. We have taken time from work to drive this car to the dealerships. We have had to borrow cars to get to work. We have been emotionally exhausted dealing with Toyota, Mr. Efron and the dealerships. We have only had the car 4 months. It has less than 40,000 miles and we have maint. records for the period that we have had it.

Stephen of Walnut Creek CA (5/15/01):
Totota Motor Credit of Anaheim is making serious accounting errors that in my case were in the thousands of dollars missing from my account. They claimed that the payment had not been received, but we had copies of the cashed checks pulled from our bank. The very same has happened to my mother-in-law.

Toyota put bad marks on my credit, called weekly with abusive tone and threating to reposess my vehicles. They continually stated that we were at fault and that we needed to send them payment immediately. We pulled our checks from the bank and sent them certified mail, which they lost, we sent them again, and they stopped calling.

Cheryl of Columbus OH (3/29/00):
In late 1998 someone stole my Social Security number and opened many accounts using my name and their work information on address. Toyota Motor Credit allowed this person to purchase a Lexus, which I help them get back when I contacted them about the fraud. Now they have me in collection for about $6,000. I am not sure what this money was for. I have contacted their collection department with the information I have and they refuse to take the information off my credit what can I do?

I now have bad credit and cannot purchase a house. I am also being refused for a car loan. My credit will be destroyed if this item is not removed.

Cheryl needs to send a certified, return-receipt-requested letter to Toyota, the collection agency and the credit reporting bureau explaining the circumstances. If the charge is not removed, she should contact an attorney.

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