Toyota Financial Services

New 2011 Toyota Corolla S - Two weeks of vehicle purchase, it already needed brake work and vehicle alignment work. The vehicle sold was defective.

I purchased my brand new 2012 Toyota Camry XLE in January 2012 from Westboro Toyota in Wesborough, Massachusetts (on Route 9 Westbound, also called Turnpike Road). The dealer had manipulated the sale price and has failed to include my trade-in value in the so-called "contract". They owe me some $11,800 and I have tried to deal with both the scum dealer and the Big Daddy, Toyota Financial Services (wholly-owned subsidiary of Toyota Motor Corporation). Toyota Financial Services is demanding monthly payments and I have requested their help to deal with this unethical Westboro Toyota Dealer. No one is willing to do anything at all.

I have demanded for Toyota to not call me at home ever again as I will charge them with invading my privacy and outright intimidation and harassment! This issue is heading to court in June 2012 as a Civil Complaint and I may upgrade it to a criminal complaint for misusing and actually stealing my hard earned $11,800 money! Stay away from Westboro Toyota in Westborough, Massachusetts! They are a bunch of old-fashioned scam artists! Please stay away from Toyota Financial Services as they are nothing less than street hoodlums with smiling faces and crooked ways! In fact, they are both thieves and ripoff scam artists!

I had a car loan from Toyota Motor Credit Corporation, which is now called Toyota Financial Services, back in 2001. This account was closed in April of 2003. The date of last activity (DLA) is with an unblemished payment history. After doing a little research, I found out that closed positive accounts, paid as agreed with no late payments, generally remain on a credit report for up to 10 years from the date of last activity according to Equifax, Experian and TransUnion. From my understanding, my account should remain on file until April 2013.

In January of 2012, I noticed that my account with Toyota was no longer on my Experian credit file. Shortly thereafter, I called Toyota and asked for them to report my account to Experian since TransUnion and Equifax were already reporting it accurately. After my call, during the month of January, I noticed my Toyota account was no longer appearing on my TransUnion and Equifax file as well. The credit reporting agencies claimed they did not remove the file. At first, Toyota informed me that my account was deleted because it was over 7 years old. This information is incorrect since accounts paid as agreed generally remain a credit file for up to ten years from the date of last activity (DLA).

Recently, Toyota sent a statement to the BBB that they inadvertently sent a request to all 3 credit reporting agencies to have my account deleted and stated that they can not reverse this process. This incident has caused me some great concern since deletion of my positive account information impacted my credit history and score. I am still confused as to why Toyota can not report to all 3 credit reporting agencies (Experian, Equifax, and TransUnion) my positive account information that they mistakenly deleted.

I have contacted the Better Business Bureau and my attorney general regarding this matter. I have also tried reporting my TFS account information to the credit reporting agencies directly, but they claim that only the "creditor" can have the account reported to them, even if it was closed in good standing. I'm not sure what steps to take next.

I received the pink slip after I paid off with the finance. But I don't know why my pink slip still has the owner's name and Toyota Finance Corporation. I went to DMV to ask, and they said if I need to delete the Toyota Finance Corporation, I need to pay a fee. When I went to buy an insurance, the insurance benefit was still under the owner's name and Toyota Finance Corporation. What can I do with it?

I financed my car for 60 months financing with Toyota. After 45 months, I paid off the remaining amount ($7200) that I owe to Toyota on 4/16/2012. But according to my conversation with one of the Toyota Financial representative (Cherry), she said that as soon as I am done with the payment, Toyota Financial would be able to send my title right away within 3 days. And after 8 days waiting period, I still have to call Toyota Financial everyday to check the status on my title. And not even that, they intentionally hung-up my phone 3 times and even the supervisor is not ready to accept their mistake. They promised me that the supervisor will call me back in 24 hours, but I had to call from my side to see the situation. It was extremely bad service that I had been offered, even though I was a valuable customer since 2008. I just want to inform all the consumers that you think 1000 times before you finance your car from Toyota.

I purchased my 2003 Toyota Highlander in 6/2006 with my first payment due 7/2006. I paid regularly without a missed payment, and then needed an extension on my loan. Toyota granted me a 3 month extension and sent me back the payment, by check, I had just made. I started paying on the loan again as agreed and then needed another extension which I was granted for 2 months. I again resumed payments as agreed and then started a business and needed another extension, which I had only one more allowed as they allow a total of 6 months, 2 months at a time, of extensions. So I used my last one month extension and then resumed payments as agreed. I had a few late payments, but never a missed one.

About a year after receiving my first extension and the returned payment, I started receiving collection calls from Toyota stating I had missed a payment. We figured out that they were counting the payment they had sent back to me as a missed payment now! I went back and forth with them and they insisted I make a double payment to catch up, which of course I couldn't financially do. So they kept calling, waking me up every single day. So I asked that they not call and they put me on a do not call list. I noticed on my bill that they kept charging me late charges every month, when my payments weren't late. I sent proof of payments, I talked with supervisors, I spent hours on the phone with people and the only response I ever received was my payment statement, every time. So I thought I would deal with the over charges at the end of my loan and haggle it out then.

Well last Monday, April 2nd, my car was repossessed. I am overpaid on my loan, because I make larger payments than what is due each month and they took my card! Now I keep getting put off, even though they admit there is something wrong with my account. It is now 1 1/2 weeks and I am without my only vehicle that I also use to get supplies for my cafe and I have a disability. They have sent me a letter telling me what I need to pay to get it back and that I have to travel 100 miles to get my car and pay storage fees on top of that! They have stolen me car from me after I paid $24,000 on it with only $3,500 left on it. They also have my payments wrong and their own statements don't agree with each other, one saying my balance is $680 higher than what I actually still owe on the loan. What do I do?!

I purchased my 2003 Toyota Highlander in 6/2006 with my first payment due 7/2006. I paid regularly without a missed payment, then needed an extension on my loan. Toyota granted me a three-month extension, and sent me back the payment by check I had just made. I started paying on the loan again as agreed, and then needed another extension which I was granted for two months. I again resumed payments as agreed, and then started a business and needed another extension which I had only one more allowed as they allow a total of six months, two months at a time of extensions. So I used my last one month extension and then resumed payments as agreed. I had a few late payments, but never a missed one.

About a year after receiving my first extension and the returned payment, I started receiving collection calls from Toyota stating I had missed a payment. We figured out that they were counting the payment they had sent back to me as a missed payment now! I went back and forth with them, and they insisted I make a double payment to catch up, which of course I couldn't financially do. So they kept calling, waking me up every single day. So I asked that they not call and they put me on a do not call list. I noticed on my bill that they kept charging me late charges every month, when my payments weren't late. I sent proof of payments, I talked with supervisors, I spent hours on the phone with people and the only response I ever received was my payment statement every time.

So I thought I would deal with the overcharges at the end of my loan and haggle it out then. Well last Monday, April 2nd, my car was repossessed. I am overpaid on my loan, because I make larger payments than what is due each month, and they took my car! Now I keep getting put off, even though they admit there is something wrong with my account. It is now 1 and 1/2 weeks and I am without my only vehicle that I also use to get supplies for my cafe, and I have a disability. They have sent me a letter telling me what I need to pay to get it back, and that I have to travel 100 miles to get my car and pay storage fees on top of that! They have stolen my car from me after I paid $24,000 on it with only $3500 left on it. They also have my payments wrong and their own statements don't agree with each other. One saying my balance is 680 higher than what I actually still owe on the loan. What do I do?

This is the 2nd time I have been unsuccessful in getting an across the border letter for Southern Mozambique from Toyota Financial Services. I am a member of a CC with my daughter and both of our vehicles are insured on the business policy of the CC. I have sent Toyota (twice) a copy of the founding statement which shows that I am a member. My insurance company has provided a letter showing the vehicle is comprehensively insured. They say that they financed me in my personal capacity so the insurance needs to be in my personal name. My son is currently in Mozambique with my vehicle. I also sent Toyota copies of his ID book and driver's license (also sent twice).

Last time, my son went to Mozambique. I had exactly the same problem and we never ever received the border letter. If they had anyone of intelligence on the other end of my correspondence, I have no doubt that this could and would be sorted out! Service is completely and utterly sub-standard and leaves much to be desired.

I have been a customer of this company for 15 years. Last year, I had surgery on my eyes and lost my business. I sent a letter to Toyota telling them my payments would be late, but I would pay the total loan when I could. This is car number 8 with them. I had a 2007 and had paid on this car for 4 years. They have called me 5 times a day on 2 phone numbers for a year relentlessly even when I was only $50.00 late this month. They should be sued.

I bought the car in 2008 (maturity date 07/2013). I filed BK in August 2010, but I kept the car only to help my credit increase after the BK. I had never missed a payment, reaffirmed the loan within 30 days after filing BK. I noticed Toyota stopped reporting me to the Equifax. I called and complained and of course, they blamed it on Equifax not reporting me. They started reporting me again and then it stopped. Now, I blame myself for this. I was too depressed to see my credit score so I stopped checking my credit. I paid the loan off in January 2012 (18 months before the term) and last month, I ran my credit online. I was and I am still shocked to see that Toyota reported the account "discharged in bankruptcy in May 2010". Toyota sent me a letter confirming that the loan was paid off (dated 02/13/2012).

I filed a dispute online through Equifax and today, I got my results back. Toyota confirmed the account discharged in bankruptcy in May 2010. Where are the $15K I paid in the past two years? Where were all the funds applied to? Obviously, someone's been pocketing the money since my account was closed in May 2010! I want to take them to court and sue them for misrepresentation. Can someone give me an advice? Last month, I bought a $40K Ford Edge, financed through Ford (very low interest rate). I will never buy a Toyota again. A lot of my co-workers fell in love with my new car and are working on purchasing similar cars for themselves. Toyota, you're going to lose!

Like Monique of Newark, CA, my maturity date on my loan was up in January 2012. A couple days before the maturity, I called Toyota Financial Services and asked them what I should do about the remaining $6000 balance. I was told at that time that it was all accrued interest and that no further interest would accrue and that I could continue making my $550 a month payment until the balance was paid in full. I had paid on the loan five years and was looking forward to getting it paid off. On February 1, I received a call from Toyota Financial Services and was told that I had 90 days in which to pay off the outstanding balance or the account would be turned over to a third party collector and the car repossessed. The collector said that the first gentleman I talked to was merely giving an opinion and that what he told me was incorrect.

Two days later, I called Toyota Financial Services again in hopes of working out a payment plan of some sort that would satisfy them and secure my car. This collector told me that I had 60 days to pay off the balance or the account would be turned over to a third party collector and the car repossessed. In fear of having a repossession on my credit bureau, I went out two days later and traded in a perfectly good car and incurred another loan on a new/used one. I began to monitor my ToyotaFinancial.com account balances and saw on 2/16/12 where the dealer's check was posted against my account and I had a credit balance in excess of $4,200!

I called Toyota Financial Services and was told to wait a couple days for the computers to catch up with one another. As ridiculous as that sounded, I did wait and the $4,200 credit remained on the account. I sent emails to Toyota Financial through the secure website and the very next day, the account was reported as closed and I could no longer access information on the account. I asked for an account history to verify that what I owed them was actually the balance. I've received two different types of account histories and they are both different. They reported different amounts as being received from the dealer in payoff and they show me owing an additional $553, one time in a past due balance and another time in late charges. No matter how I crunch the numbers, I can't make the amount paid in principal and interest work out to the final payment amount.

I finally talked to someone in their executive offices in California who sent me the account histories, two different versions, on three separate occasions. He informed me that he waived the $553 and that my account is now closed. I financed just under $20,000 for my Avalon and ended up paying over $38,000 for it. That's nearly a 100 percent return. When I got the loan in 2006, it was at a high interest rate. I was told that I could apply a year later to have the interest rate brought down. A year later, I was told that Toyota Financial Services does not refinance loans. I have retained an attorney and am going to pursue getting the credit refunded to me. My experience with TFS has been awful and I'll never own another Toyota, after having both a Camry and an Avalon.

I am so frustrated with Toyota Financial. My maturity date was up at the end of Sept 2011. I had a balance of $6000 left. I have been scrambling trying to get this balance get taken care of. Well my balance has come down. But now I have two different balances. The frustrating part is I have told them not to call me at work and they continue to do this. But also, I got a call saying that my balance needs to be paid off or it will be charged off. Now I have called them stating that I'm trying to get this taken care off. They keep telling me there is nothing else they can do and I have been with this finance company for 5 years. I have paid over $30,000 into my truck with a balance of less than $3400. Now they're telling me it's going to be charged off. They are really going to ruin my credit. Why isn't somebody in the management trying to help your loyal customers? I just dropped them $1500.00 last week to get my balance where it is now. There has got to be something that can be done. I am trying to take care of this without it being a charge off, but I don't have one lump sum to pay the balance off.

Having bought 4 Toyotas from Kay Jennings in Springfield, VA and with Toyota Financial services, this go round, they screwed me. In the beginning of January 2012, I called and asked for two months extension on my loan due to hardship. I was told by Toyota Financial that I could skip January and February since I fall under the hardship category and that my next payment would be March 2012.

Well, wouldn't you know, come the middle of February, I get a call from Toyota Financial asking for my January payment, I explained that about the phone call and being told by Toyota Financial that I could skip two months, plus I never received a call nor letter stating I was not approved, only to be told by them that they were sorry I was given false information and they did not know why I was not sent a letter (maybe because you did not sent it) but I would need to make both payments. If this is the way Toyota treats returning customers, I will never own another Toyota. P.S. I ended up trading the truck for something cheaper like a Kia that has a way better warranty.

I have been a loyal Toyota customer for over 20 yrs. I talked my Mom into buying a Toyota instead of a Ford. I had excellent credit so she got the lease no problem. She missed a couple of payments because of severe illness. Now they have ruined my credit and are trying to repossess the car. Toyota has become downright awful. They are a terrible company and no American should ever buy a Toyota again People stick with Ford, at least they have business scruples. I have sent so many relatives and friends Toyota's way no more.

Toyota sent a company to come in the middle of the night, and steal my daughter's car. She is 23 years old with two small children. She paid cash for the car, and has the title (pink slip) from the DMV with no liens. The DMV says it's her car. Toyota refuses to let her have her personnel items, or car seats for the kids. She is not on government assistance, but soon will be with no way to work. She has the title. It's her car, and owes no one.

After putting down $3,500 to lease a 2008 RAV4, I did not pay my first month of the lease on time. I sent in the next double payment on time. The company cashed my check and 5 days later repossessed my car with no notification. I was told that I could get my car back if I proved the payment was made. When I did show proof, Toyota stated that there was a $3 balance (must have been some interest or something) that was due and therefore they were in the right to repossess. They were extremely rude but did rebate my double payment back (about $500). I then got a bill for $500. When I called to resolve the issue (and wrote many letters), I was told that they expected the $500 back. I never heard from them again.

A year later I started getting repeated phone calls from someone who would not identify himself. Eventually I found that a collection agency was calling. I explained that I wanted to see a bill. Still no bill. For years now I get a yearly call from a collector trying to ask for money I never owed. My credit is ruined and gets worse. There really seems nowhere to turn to fight such unethical "business" practices. Recently I called Toyota and asked them to send me a bill. They asked for my address and were surprised when I gave it to them.

They reported that was not where they had been billing. When I asked where they sent my bills all these years (and given that I have never moved), they refused to tell me. I have not seen a bill from Toyota since a month after they repossessed my car. So I am out $3,500 for a car I had for two months before they repossessed without warning. As if the money and humiliation were not enough, the ongoing destruction of my credit with no recourse is terrible.

I had to file chapter 13 to protect my home. After loan modification, it was dismissed. TFS sent a letter stating that $6,750 was due in full immediately. They refused to explain the balance. There were five payments of $350 left on a 72-month contract. They took the car once after filing chapter 13 and had to bring it back. Later on, a letter arrived stating that $5,200 was due by 10/30. I made an offer of three payments but they declined.

On 10/28, I was driving to the store and a tow truck started following me--aggressively motioning me to pull over. I did not. At a stop sign, Mrs. repo jumped out and tried to open my passenger door. At a stop light, the repo man cut me off and Mrs. repo climbed on the hood. I called the cops. I told the cops that I would voluntarily leave it for them and to give me 45 minutes.

I am having a bad experience paying off my loan because the payoff quote provided by Lexus Financial Services (Toyota Motor Credit Corp.) is incorrect in my case. We made a large additional principal payment earlier in the loan, but they are still including the finance charges on that amount in the payoff quote. This is a serious problem that is definitely going to get them in a lot of trouble with customers, regulators, and in the courts at some point.

Anyway, in addition to that problem, they also seem to be ignorant of customer's billing dispute rights under the Fair Credit Billing Act, as they have made no formal acknowledgment of my dispute of the payoff amount and seem to be about to make negative credit reporting and collection efforts on the disputed amount. They don't even provide a time deadline when a payment received is to be posted to the account on the same day, also as required under the law.

The entire operation appears to run on auto-pilot, nobody with decision-making authority can review and override any of the numerous automatic decisions made by their computers.

They are ruthless. After being a good customer for 15 years and 4 cars I had a serious medical problem. I sent them a letter and was slow in paying my car loan. They harassed me for 1 year, calling 2 numbers 5x a day. I asked them to stop as I owned the car for 4 years and was not about to default on my loan. Then I got so fed up with their abuse, I wanted to pay off my balance. I couldn't find my account # cause my new bill hadn't arrived. I called and asked for my account #, gave my social and my payoff amount and was told they couldn't give my my own account # on the phone. So now, I cant even pay this off if I wanted to. They are nasty and have no customer service skills and won't work with customers. Never again.

December 20, 2011, I was told by Elaine that she would send my buy-back contract out by "overnight". I called December 21 at 4:00 pm and was told she shipped it. It is now December 23 and there's no contract yet. You should be aware that you're not getting the service you're paying for. Could you please tell me whether or not to expect payment on the buy back soon?

This complaint is against Toyota and Lexus Financial Services who ruined my credit after being a Toyota good customer for 6 years. The story behind is, I served military, I called and asked if I can pay by credit card or any other available way. What they said is that they understand and they will the hold payment for 1 month but they lied. On the next month, when I returned from US Army, I sent 2 payments but they already setup my account with a collection agency!

This complaint is against Toyota and Lexus Financial services as I have owned both vehicles and have had to use both companies. I paid off my Lexus es300 in the first week of Nov. 2011 and was advised by the rep to do so via certified check or internet payment. I chose to pay it off using their website (lexusfinancial.com). A month and 2 follow up phone calls later, they tell me that they sent out my Title on Nov 21st and I have yet to receive it. I am getting all my other mail from these companies. After nagging them; they finally send out a release of lien for me to take to the DMV to get the title under my name; however, I have to take time out of my schedule to do this.

I also have a leased Corolla that I took over (through TFS) from another party. Initially, they took 2 months to process the paperwork (according to Toyota, this is standard...wow! ), but then, they sent out my prepaid FedEx package to a different Toyota dealer God knows where (I came to know via FedEx). The package finally made it to me but it took over 3 months. My situation later changed and I was looking to get out of the lease so I contacted TFS to get paperwork processed for an interested party looking to take over my lease.

As usual, TFS took their sweet time in responding and by then the party had already lost interest. This happened to me with 2 different interested parties. Additionally, got my Corolla broken into and an insurance check was mailed to me to be endorsed by me and TFS in order for it to clear. I mailed the check in the 2nd week of Nov-2011 and a month and several phone calls later, I have yet to receive the check. They keep saying they mailed it out (just like my Lexus Title). Again, I am receiving all my mail including TFS correspondence from these companies. By far, the worst company I have dealt with in any sense.

Terrible payoff experience refinancing my car from Toyota Financial Services to another Bank. I sent them a check to payoff my loan at Toyota Financial Services to PenFed a bank. They sent me my title and told me it was paid off. It is wrong to do this. Then they sent me a nasty letter stating that the bank check did not clear. They tell me to send the title that they sent to me error or they will take legal action against me since they made the mistake.

Toyota Financial Services needs to make sure the bank check clears before they send out a car title. Also, they need to double check their records next time and make sure they don't make the same mistake next time. They made the mistake and I needed to correct or they were going to take legal action against me because they made the mistake. I want Toyota Financial Services to apologize for their error and pay me for my time and effort correcting their mistake.

Four months ago, I obtained finance from Toyota Finance for a 2010 Toyota Rukus. I provided all documentation that I have known to be true and accurate.

Two months later, a police officer showed up on my doorstep stating that my account with Toyota has been suspended due to alleged fraudulent documents. Without seeing these documents, I advised the officer that I have been a victim of identity theft and internet hacking. I showed him multiple documents of SAPOL e-crimes divisions investigations of Brian ** of USA and Ukraine, for criminal identity theft and computer fraud. Brian ** has also used my IDs and business IDs to illegally gain access and take over emails and websites. I also showed him my fraud issues that have been raise to Veda and to our old Bank SA. In which, Bank SA was continually hit with the fraud causing us money loss, having to change cards multiple times, open and reopen bank accounts. My husband and I finally left Bank SA due to their inability to regulate the fraud. When I spoke to the officer, it would seem that a fraudulent bank statement was sent to them.

The officer investigated all the information given and found there not to be anything fraudulent as we were making payments to Toyota Finance on time and we had the same about the money in our new bank accounts. I later called Walter ** of Toyota Finances about the account and the issue that had been raised. He informed me that he personally thought I was nothing but a fraud and when I told him that I was not and that he cannot call me a fraud and that, that was slander. He said it wasn't because it was his personal opinion of me that I was nothing but a fraudulent disgrace to society. This conversation made me so upset because I haven't done anything. Walter then informed me that he was taking my car. I asked him why, and he stated because you are a fraud. I told him the police says that I'm not. He stated that he doesn't agree with the police's findings and that he can do what he wants. I said that he isn't above the law and he said that he was.

So now this past Friday, my car was taken off the street without warning. I called Walter to ask what was going on and he said that the car was his. I said where is his court order and he said that he didn't need one. So now my car is gone and of 10000 dollars worth of computer/camera equipment and electrical tools which Walter is now holding for random until we give the car keys up.

The resolution I would like Toyota to reinstate the loan (we made all the payments for it on time), my personal items back and documentation to sue Toyota for Breach of Peace, Libel, Slander, Harassment, Grand Theft and blackmail.

I mailed a $900 payment directly from the post office to be applied to my brother John **'s car loan on 10-13-11, but Toyota Finance claims that they never received it as of 10-24-11. They refused to talk to me and when my brother called to authorize them to talk to me, they said it had to be 3-way or via letter. He didn't have time to do that because he was at work. In the meantime, he's being assessed a late fee and I have to pay to stop payment on the check. I earnestly believe that it's stuck on somebody's desk or some other location within the walls of the office.

I use online banking for almost all of my accounts. On this website, they allowed me to enter a payment of $354,043 which should have been $354.43. They actually processed this on a loan that was only a total of $11,000 and when I called to see what needed to be done to correct this I was told to let it bounce.

They have no customer service at all and they have done nothing at all for me. They said that I can pay next week after this bounces with a late fee.

Only a computer system manages, whether a person can have an extension or more than one, on an account to bring a late account current. I kept speaking upward to higher levels of management. I was told no one can help me get two months of extensions because I was two months late. The managers have "no ability to grant extensions" once the system blocks you out. It seems to me that people should be able to look into facts surrounding the problem instead of relying on a "system" to make decisions that are normally made by people if the payments are on time without problems.

According to Toyota Financials Account Manager, there is no way for them to remedy a solution so it's interesting that the managers are held by their computers.

After a layoff, I got behind on lease payments. after being offered a deferral and paying what they asked, I was still being called by Toyota Financial Services. Then, I received an insurance check for the damage done to the vehicle. I called Toyota to see if they would accept the check to go to the lease payments and was told yes. I mailed the check as instructed, with all the information that they asked for. But I received the check back, and called to find out why. They said that they would not accept the check for lease accounts. They said that I was four payments behind, which I disputed and then, I ordered a payment history

In the mean time, with no notice about a repossession man at my door, I cleaned out the car and let him have it. I got a call from Toyota Financial Services the next day to see if they could make payment arrangements. I told her that the vehicle had been repossessed the previous day. She was stunned and said that the account had not been documented as repossessed.

When I received the payment history, I called to get an explanation because it was a mess, not just payment and balance. Then, I just said "to ** with it." I received the early termination statement showing what they sold the car for and what my balance due was. The balance due was half of what the insurance check was for (it shows how much the body shop was going to make on the repairs). I signed the check and sent it to Toyota Financial Services.

I called today to verify the account had been paid off and I would get the refund. The account was paid off and she said that it would take 60 days to get the refund, giving the check time to clear. Is this even legal to keep an overage that long? I found Toyota Financial Services very unprofessional, and no one seems to know what the other is doing or saying. I did not say anything when the car was repossessed without any notice. I paid the balance the same day the Early Termination Accounting Statement came in the mail. Now, they are keeping my overage for 60 days. Why would such a large company be so messed up? Toyota Financial Services should get it together!

In 2009, I missed two payments. I was contacted by a customer service representative who was kind enough to help me to extend my contract agreement. The term of the contract was to pay all the late charges then. And the two payment that I missed would be paid in two months at the end of my contract, which was May and June of 2011. I paid the late charge as agreed upon. And I was on time with all my payments since then and the two months that I missed, in May and June as agreed. I am now getting numerous calls that I owe two months because my contract ended in June, and I did not pay for those two months. I explained to the several reps the terms. And I also faxed the extended contract which clearly stated the terms of the agreement. I got no response. Everyday I am getting calls for past due amount. No one can explain what the past due amount is for, as my last statement in June has a minus $4.00. If I am past due, should it be included in my balance?

I called Toyota to inform them my husband was very ill on 06/15/2011. They agreed to give me a 2-month extension on my payments. My husband and I signed an agreement through Toyota to delay payments. They were more than willing to help at that time. My husband passed away on 08/22/2011. I called Toyota that afternoon to inform them. Our insurance through Toyota was to pay off the vehicle. I informed the insurance of his death. On 09/01/2011, Toyota debited my account for $420.80, which caused my bank to be overdrawn. They led me to believe no more payments were to be debited. I am on a fixed income and did not prepare for that to come out of my account without warning. They refuse to replace the money. That has put me in dire straits financially. I feel their practices are terribly wrong and misleading. They totally misrepresent the caring people they led me to believe they were. What are my options?

I purchased a used car in 2009. I paid for a warranty in the contract that was voided after Chrysler filed bankruptcy. As part of my payment, they still have the same payment amount but no warranty.

I have had to pay wrecker bills, plus untold expense on this lemon of a car. I'm afraid to drive it because it won't start half the time. I have had almost three years and driven a little over one thousand miles. I will never buy from Toyota ever again. I feel trapped. I owe way more than its worth with a large payment that I can't trade it in. I owe way too much. And you can't talk to them on the phone. I am considering legal action.

My car was repossessed without notice, and I have been paying sometime three months late at once for over a year half. The tow truck driver parked right on the septic tank and broke the pipe underground. The no trespassing signage was already in place on the drive way. He ignored it entered my private driveway. The damage will cost $30,000. I have to replace the whole septic tank because the pipe is made out of clay, it was made in 1980's or 70's.

Had two late car payments due to dealing with storm damage. They repossessed the vehicle and offered redemption. I paid money on the first day and all the other paper works were faxed and received by them. I was told I would have the vehicle back within 48 to 72 hours. Have gotten the run-around ever since and it's been 7 days. Now I have no vehicle back, no refund and soon to lose my job since I have no vehicle. I sent them a total of $2,300 and to get it back I have been on phone with them all week seven times a day. They have cheated me out of all my money and my vehicle and its contents.

In May 2010, I call Toyota to return the car because I was having problems with the car, also financially and I can afford to fix it. To make payments and paid the insurances company. A supervisor was really nasty with me a few times, hung up on me. I call them all the times to pick up the car and they refuse. By July, I put the car in a private parking and told them to pick the car asap and they told they will. They pick up the car in November, even a few repo people call me and say they will pick up the car and they never didn't. Now they try to claim for the 4 months, the car was in the parking and other expenses.

The consequences is they put more late fees in my account, they destroy my credit, putting more months in my account and that way they destroy my credit history. I even make a complaint with BBB in that time. Now, a debt collector have the account and they trying to sue me even I offer a settlement payment. They send papers to another address and they rude with me even I told them that I don't own that amount. Please help me.

I leased a 2011 Camry SE on the 7th of January 2011, and just 2 weeks after that something came up and I was looking for someone to take over my lease. My monthly payment is $485.00 but this is with purchase of Gap insurance. Without the Gap, my payment would have been $460.00, so I wanted to cancel the GAP so that my payment could go so that I could see someone to take over the lease at a better rate.

So I contacted Toyota Financial Services and was directed to the Gap department and I told them that I would like to cancel the Gap insurance. I was instructed to write a letter stating the reason for cancellation, which I did and sent to them on 01/27/11. Then a week later, I called to find out the status of the Gap and I was told that this Gap insurance cannot be cancelled and was told that in the state of New York where I reside that I am not allowed to cancel after purchasing it. I was asked to go and read my contract, that it was stated, so I went to read my contract and there it was stated that the Gap insurance cannot be cancelled. Based on that I said to myself that I am stuck so I decided to keep my car because people are not willing to pay $485.00 to take over the lease.

I decided to keep the car. But all of sudden, I saw a credit of $195.00 in my account and when I called Toyota Financial, I was told that the Gap insurance on my car has been cancelled that is why I have that credit. I was furious and I was transferred to the Gap department and there I spoke with Mr *** who confirmed all that I wrote here but told me that the GAP was cancelled in an error. I then told him to reinstate it back because you told me that I cannot cancel it and that affected my decision of keeping my car and now you cancel it.

He then asked me if I want it back and I said yes. Then he put me on hold for like 2 minutes and he came back to tell me that he is sorry that once this is cancelled that it can not be reinstated. I asked him and reminded him of what happened and what they told me and what my contract says. He just told me that there is nothing he can do about it because I wrote them a letter requesting the cancellation. I pointed to him over and over too that they asked me to write that letter and 4 days after that they tell me that I can not cancel the Gap once it is purchased and I let it go because I went to read my contract and it was stated that I cannot cancel it. Then if you cancel it in an error they should rectify it immediately.

I was only credited $195.00, but I have still have to make $485.00 payment every month. Before the Gap insurance was purchased, my monthly payment was $460.00 so with the cancellation why should I continue to make $485.00 payment for 34 months. This is unfair This is why I wanted it to be reinstated.

In May 2007, I purchased a 2005 Toyota Sienna. With interest and finance charges, the car (with trade in) cost $54,000. I am currently paying $750.84 a month for a car that now has over 80,000 miles, has over anywhere from $3,000 to $5,000 worth of work. Much of it paid for by me and one recall that I wasn't informed of until after I purchased it. The present payoff for the car is around $24,000. I have paid close to $30,000 for this car. Toyota conned me out of over $800 when they were supposed to repair my car by replacing the key.

When I left the dealership's service area, my car shut off after they supposedly repaired. Later, it was determined that it needed an alternator. Now, after I have spent over $30,000 for this car and recently paid $900.54 on 12/4/2010 and plan to pay another $800 on 12/30/2010, they're harassing with a Notice of Right To Cure Your Default Letter. They're asking for an additional $1402.66 plus December's payment of $750.84 by 1/03/2011. This is even though the letter dated 12/22/2010 reached me on 12/27/2010. There are also indications that they are discriminating against Black customers by offering them used cars instead of new ones and marking up the finance contract's interest rates and monthly payments on Black customers.

I have had my Hyundai financed through Toyota now for three years at a ridiculous high interest rate due to my credit being a mess then. First, I was told to come back after one year and refinance, I did and they said to wait more so I did. I have tried every year for three years to get this interest rate changed and to get a car that would suit my family. The one I have is a small compact car that I had to settle for due to payment and interest. Now after having not even been notified after this last attempt to get another vehicle.

I am at risk of losing the high interest vehicle I have and Toyota does not seem to be willing to help in the least. I am unemployed now and have two kids that depend on me. With all the bailout the car companies have gotten, it still seems to make it hard on the ones that are trying. I have had perfect credit with this payment until now and they are still looking at the bottom number. Well the bottom number does not reflect the hardships I have had to endure to make this stupid car payment for the last three years and doing without sometimes. I just wanted to say the creditors and dealers are so unfair to the people that are trying to be honest and fair in this life and get the short end of the stick as always.

When I bought the car, I never received the car paper. Complaint, never received. On August 26, the last form was faxed to me and it was faxed to them on August 26. I have called and spoke with one of the representative in which confirmed me that my next payment was to start on Sept. 21st and the check was mailed on the 19th of September. On 28th, Toyota came and repossessed the car, a 2007 Rav4. I am requesting an investigation to be done on the paperwork which I have never received from them either to see what kind of loan was given to me.

I have a car loan with Toyota Financial Services with a 20% interest rate on my auto loan. I am African American male and another white male in there customer service department told me that he thinks that's why my interest rate is so high. He also said they never should have financed me but my income allowed it.

I feel that I am being taken advantaged of. I needed a car so I was not thinking about the long term. I really think this needs to be addressed but they will not listen to me at all. Twenty percent is a very high interest rate and the gentleman said this is the highest he has ever seen working for the company. If there is anything that can be done, please reply with a call or an email. I look forward to hearing from someone. I think this is unfair to me and anyone going through this. They have turned down other people with better credit than me and this should be addressed.

I leased a Toyota Siena van in 2005 for 5 years lease. A typical walk-in to a dealer and trading in my big conversion van, where a car dealer welcomes you, and for 1 hour after gaining your trust and sitting on a table signing up a deal. Dealers verbally go over the lease/purchase contract since there are many papers to sign and each has fine lines. You as a customer after spending the hour and so at the dealer, you get to trust the dealer and sign the papers.

This process easily generates money to any dealer by selling many cars in a day, granting 99.99% of the customer do not read the contract, for three reasons, 1) They will not understand it, 2) The number of pages they have to read, 3) The dealer went over the contract with the customer?! While ideally, the customer have two options, 1) Bring a lawyer to help with signing of the deal, 2) Customer take home all the papers needed to be signed of and read them carefully and when satisfied, come back to dealer. This will cause a drop with the dealers sales tremendously!

In my case, after 5 years, the lease ended in September 1. I returned the van to Toyota dealer on Brook Park road, and sales people kept saying that I do not have to clean or detail the van. 3 weeks later, I received a bill from dealer (Toyota Financial) charging me $500 for excessive wear, where there is no dents or broken parts. I am charged for corrosion in the tire rims! In addition, I was charged .30 cent per additional mile, while according to the sales person I will be charged .15 cent per additional mile.

I called Toyota Financial, and first thing, they asked me if I did read the contract? The contract which the dealer verbally went over it while leasing the van! This is cheating, betraying and illegal by bluffing the consumers. I did lease from GM and they never charged me for excessive ear, actually they waved the cost of the 1,000 miles which I went over. I know I will lose the argument with Toyota, but I feel consumer like us should be protected from dealers like Toyota, and should be posted on the news as an awareness.

I have been a very loyal customer to Toyota. I have purchased two Camrys and now that I need help with the balance of my first Toyota that was a total loss, I can't even get the financial department to return my call. I'm a young United States sailor and I don't have $5700 to pay by 22nd of September. All I'm asking is to work out a balance payment plan without sending this bill to collections.

Toyota keeps threatening to repurchase my car and it is paid up as requested.

I am currently purchasing a Toyota and financing it through Southeast Toyota Financing. I'm currently $100 past due. For the past two weeks, I have been getting annoying calls from variations of the phone number above early morning thru past 9 at night. Every single time I answer I get about 20 seconds into the call and we get disconnected. This has happened almost 2 dozen times. At first, I had no idea that it was Toyota and googled the phone number and many customers have had the same exact problem. They get a call, verify who they are, and before anything else can transpire or confirm what company is calling it gets disconnected. I finally received a call one morning on my way to work.

Again, I patiently listened to the "this call may be recorded for quality purposes," and once gain before he was even through he said hello and hung up. I'm not sure if this is a technical problem on their phones or if their workers are just used to being hung up on regularly but it is very annoying. I finally demanded to speak to a manager to at least make him aware of the situation.

And basically I got the runaround, pay your bills and you wouldn't get a call from us. They were very rude assumed just because I owed a mere $100 that I was a liar and had no business to address this issue with them. They kept saying it's not our intention to do this. Whether it's their intention or not it's happening to me and from Google, it's happening loads of times. I'm sick of getting calls and getting hung up on even after I insist I will pay them as soon as I get paid.

I have been trying to get a payment to be applied to my Toyota account for the last almost three months and I keep getting the runaround. They keep asking me to send statements to a fax number and I have sent it three times and nothing gets done. I continue getting collection calls for being late with a payment that they have; it's just misapplied to another customer's account and that was verified by one of Toyota's representatives. I have made many calls to resolve this problem and still no help.

My car was impounded by the police dept on Feb 2, 2008. (Reason not specified at this time). My car was later turned over to Toyota Financial. My payments were not in default but Toyota Financial willing accepted my payments upon realizing the police were wrong for taking my car. Toyota Financial stated the reason that they took my car was due to a breach of contract. Toyota Financial attempted to cover up their mistake by returning one of two payments that I made during the reposession. Eventually Toyota Financial reposessed my car and then sold it. My car was never at risk of forfeiture or involved in any wrong doing.

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.

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 threatening to repossess 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.

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 cylinders 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.

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 transportation. 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 transportation and my youngest child is disabled and receives blood three times a week.

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 received 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 buses 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.

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.

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.