Toyota Financial ServicesConsumerAffairs Unaccredited Brand
Absolute painful. Every month I have an issue. I am never able to simply log in and send a payment without a certain amount of delays. Every time I have to call into customer support. Reset my password. Every time. It’s ridiculous. So I call and wait to speak to personal. Explain my issue which never gets addressed or fixed even though they mention your phone call may be monitored or recorded. How is it that Toyota can make such a nice dependable vehicle yet their TFS is nowhere near the quality of their automobiles. It is extremely upsetting that every month I have to call to make a payment. I’d like some sincere return feedback regarding this issue. I love my Tacoma but absolutely hate TFS.
Seriously my latest password is: **. It’s extremely disheartening for me every time when my payment is due. I feel like just dropping my vehicle off with the keys and say keep it. Because it’s not worth the headache. I’ve had my Tacoma about 3 years. I’m not a millennial. Is anything or anyone doing something to fix this epidemic. I informed the person helping me that I was sorry she had to hear me rant and how sad it felt to explain how troubling it is to go through this every month. I even stated, "Yes. I said you hear about all the shootings killings in our country." And I told her I was concerned that these problems might create a scenario of some disastrous proportions because of this log in process being so complicated that I can just see someone snapping.
Yeah it’s that bad that you have a system and it doesn’t work. For what it’s worth everyone in my family drives a Toyota. No other vehicle. Please know I hate your TFS and it hurts to know nothing's been done to rectify the problem. Not sure who the designer of your website is but they need to be informed. I think they should be replaced and have them take their format design with them on their way out the door. TFS sucks. I am a concerned consumer. No threat is intended only trying to make a point. 3 years is far too long for this to continue and that NOTHING has been done. It almost seems that TFS doesn’t care. Yet I know all employees have quotas to achieve but somehow TFS keeps on creating the nightmare. Anyway thanks for another headache.
I purchased a 2018 Toyota Corolla about six months ago and financed it through Toyota Financial Services. I had some extra cash and wanted to make a payment toward the principal, to reduce my future interest payments. The payment forms do not allow us consumers to specify payments only to principal. That's odd, as many installment and mortgage loans do that. So I called and made a $2,000 payment toward the principal over the phone, through a bank transfer. The representative said it would applied to principal. I made sure of that. Of course, two months later I learn that the payment was not made exclusive to principal. Some of it was used to pay interest. I got the run around from one representative at Toyota.
The second explained how their policies work. In order to make a principal payment, you have to mail a check to separate PO box and tell them you want it applied just to principal. Now why would a finance company do that? You know why -- because they want customers to pay as much of the interest as possible. Of course, the representative pooh-poohed that theory. Then why doesn't Toyota allow consumers to pay principal payments on their monthly statements? I love my car, but now I feel like Toyota is just like any other greedy capitalist organization. What is happening in America?
I leased a Toyota Rav4 for three years. When my lease termination date got close, I followed all the instructions provided by SE Toyota Finance. I made my last payment via auto withdrawal, got a glowing review on my inspection, and turned in my lease to a verified SE Toyota dealership. At the dealership, I asked if I needed to sign anything or do anything further. They assured me that everything was "good-to-go." After I turn in the vehicle, I mailed the odometer statement to SE Toyota Finance to verify my return.
A month later, I receive a bill in the mail for an additional lease payment. I call SE Toyota Finance and waited on hold for 30 minutes, 2 hours, 1.5 hours, and then 45 minutes on separate occasions before I talked to a human being. They then inform me that they used the date they received my odometer statement in the mail as the date of my car return. I inform them that my car was returned the month previous and they told me that there is no way to verify this (blamed the dealership). They tell me my options are: 1) pay the bill (for a month I didn't have the car); or 2) it will be reported to the credit bureau. I was an exemplary leasee. I always made my payments on time via automatic withdrawal. I returned the car in perfect condition and 3000 miles under my mileage allowance. I expected more from this company. Is it impossible for a good customer to expect good customer service? I will never do business with SE Toyota Finance again.
Don't ever use this company! We went a year without one single late payment, and always ahead and when we were behind they would not help with pushing one payment to the back of our loan. We were behind and they kept sending us delinquent notices and then repossessed our car only after two payments behind on the due date of the second payment. This is the worst company in the most ridiculous financial service I've ever financed a vehicle through and would never use their services again. Out of all the money that we have paid them. And on top of that their finance charges are ridiculous. If you are late then your entire payment you can kiss goodbye cause it will go to their interest charge.
When I purchased my used Toyota last week, I wanted to finance it for 24 months. When the paperwork was completed, the term of the loan was 60 months. The finance specialist told me that I could just pay it like a 24 month loan. What she did not tell me that there is no way to make principal only payments online. Any extra amount paid would go towards the next month's payment. I spoke to someone at TFS and was told that I would have to mail the payment to a different address to make a payment on principal. From reading some other reviews, who knows if it will work! I am so frustrated that I think I will use a balance transfer check from a credit card company to pay off the loan. At least then I can pay it off early with no problem!
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I have had a Camry financed with them for three years. I have ran into some hard times the last couple years but if you talk to them and explain they will help you as much as they can. Just six months ago they let me skip two payments and of course I still am responsible for the interest but that doesn't matter because it saves my credit. Then today I am again 27 days behind I ask for help as I have missed work due to being sick missing work twice two weeks ago and then this last week I got the flu and have missed a week. I told them what was going on and they offered to help me again. I had offered to pay the one payment, even though this would have taken every dime I had but the guy said if I want they can let me skip this late payment and the payment due this month. Which I think is a wonderful thing to offer me. So if you have a problem they are there to help you if you just be honest with them.
I previously had a car with TFS. Upon trading it in they completely messed up my account. Apparently the person working on my account couldn't read the notes and tried charging me almost $500 for a set of keys I had turned it. Too damn lazy to try and clarify the notes and just figured I'd pay. Wrong. Stupidly I purchased another Toyota and financed through TFS. I have moved and need my registration. I did exactly what they told me to do back in October 2017! The end of January I called and they said, "Yes we received it." I said, "Well, did you process it?" Which really should have been a stupid question but, she said No! I said, "Well could you do that?"
I just called again (mid-February) and she said they just started to process the paperwork and it would take another 6-8 weeks. I need to register my car NOW! The DMV isn't going to care that you are too lazy or too stupid to do your job. I asked for a manager and she said they would have one call me. Asked what a convenient time would be I said, "Immediately." Several days later I'm still waiting. As soon as I get my registration I will be refinancing and will NEVER use TFS again. Their loss as I'm looking to purchase a high-end SUV. It will NOT be with them.
It's such a hassle calling Toyota, wait times are incredibly long. In most cases they don't fix the issue and you have to call back again. I have also been trying to get my truck registered in the new state I live in without any success. Since I can no longer use my truck because of this, I think my next call will be to inform them that they can come pick the truck up. No point in paying for a truck that can't be registered.
Turned my car in early on a 39 month 60k mile lease with Toyota Financial. Paid as agreed and one month later got hit with a $200.00 bill to clean a seat. Sent a letter to Toyota arguing that they could have contacted me and I would have cleaned it for free. In turn, rather than responding they sent me to a collection agency. I spent hours speaking to people at Toyota and Toyota Financial. Finally googled the email for the President and other exec officers and it was nearly immediately waived. Make sure to have someone check your car over when turning in a lease.
They have the absolute WORST customer service. I've been waiting almost a month for a refund check they were supposed to send me, every time I call, I'm on hold for a MINIMUM of 15 minutes (no joke) to which they tell me it's because of the high call volume (so hire more workers). They then proceed to tell me that before they send any refund check they automatically wait 10 days before doing anything then once the process finally starts it can take 15-20 business days to finally get it to me. Mind you we live in an age of direct deposit and even without that it should not take 20 days for an envelope to arrive in my mailbox, I don't care if I lived on Antarctica. Bottom line is every question I asked about why the process was the way it was they would say "I'm sorry sir. That's just how it is", absolutely unacceptable.
I have never been late on any payment in the past 20 years. I have an 800+ credit score. Out of nowhere Toyota Financial Services placed a past 30 days due mark on my credit report. I pay my bill on the last day of every month. I never received notice of a late payment, I never paid a late, nor did I ever receive a notice that they would be reporting my account to a credit bureau. My score has dropped nearly 100 points in one month. I will be suing them for punitive damages for violating the Fair Credit Reporting Act which requires them to notify me before placing a mark on my credit. I have owned Toyotas since 1998 and always financed directly with them. I will never buy another Toyota again.
I called Toyota Financial Services. They have the worst customer service reps ever. I was on hold for 30 mins. Not happy about that but they are a big company so maybe they was busy maybe for 30 minutes. The first rep I talked to felt the need to talk to me like I was stupid. When I asked to speak to his manager he said the manager was not available, then he said the manager was off. After I told him I want to speak to his manager's manager he transferred me to some lady I do not even think was a manager because she was not professional at all either and made me feel like my well earned money should have been spent on a Honda or maybe a Chevy. They refused to answer a simple question and make me feel like they don't care about customers after they bought. I am disappointed in Toyota.
I had to call the dealership I bought it from to get the answer and the salesperson was nice enough to find it for me. Only if Toyota Financial Services was as nice and happy to have customers like the dealership is maybe they would be doing better. I do not think I will buy another Toyota after this. I will go back to that dealership and look for a used non Toyota instead. Toyota Financial is the worse brand representative I have ever dealt with.
They also have poor customer service and mostly they are tired. I am not happy with them since they try to get my money.
Never again will I buy a Toyota. I just want a copy of my lien closure. I waited on hold over 30 minutes three different times last week. Finally they had a FedEx account to "overnight" this to me. Three business days later I still do not have it. We live in a digital age, this is not that difficult. Tonight I waited on hold for 20 minutes to be dropped so now I have to start all over. THIS IS STUPID! Toyota you just lost a customer.
I have automatic payments set up online, but noticed my last payment did not automatically come out several days after the due date last month. I went ahead and paid 2 month's payments in advance just to be safe, and have been trying to call customer service for over 3 weeks to make sure nothing negative is reported on my credit report, but keep getting disconnected with a message "We're sorry, our office is closed. Please call back during normal office hours, Monday thru Friday 8am-5pm local time."
Granted it's been around the holidays, but has their customer service office seriously been closed for 3 weeks between the holidays? I called on Dec. 21st and again on the 28th and got nothing. It's Thursday, January 4th at 9:30am (normal office hours) and I can't get a hold of their customer service because they are "closed". I've never had issues before and unfortunately didn't check reviews on Toyota Financial before my purchase, but based on this experience and all the other reviews I see, I think I will be taking my business elsewhere from here on out.
I have had the absolute worst experience with Toyota Financial Services' customer service department. Since day one of my agreement with Toyota things have been unclear. The customer service representatives have absolutely no clue about payment histories, fees, etc. I will admit to falling behind on payments to the extent that my car was repossessed after four years. However, the process of trying to get it back (which I have been doing since the day they took it) is absolutely insane. I accept full responsibility for falling behind on payments - life happens, but I have the money to get it back and have had it since before they took the car. Toyota will not send me a copy of my payment history and I am only met with condescending tones when I try to ask questions about where my payments are going - to the principle or just interest and late fees??
I have told Toyota numerous times that my cell phone is the only number that I can be reached at and they continue to call my Mother, boyfriend, and EVEN MY CHILD!!! I am beyond frustrated with their practices and have requested a copy of my account history which they have yet to deliver. I am also unable to access my account online. I would also like to point out a couple of specific employees - Laura Agent ID ** in the redemption department, and Sarah Agent ID ** also in the redemption department. These two women have been the most unprofessional, condescending customer service agents I have ever encountered. As a customer, I expect to be treated with some respect but these two women are in severe need of retraining.
I've leased from Toyota for over a decade, and not only was my last lease -- a Rav -- the worst car I've even driven, but the financial side of the company has ensured that I will never lease from Toyota again. With my lease about to expire, they've constantly harassed me for the last payments, and when one payment was ONE day past due they called me at work threatening to notify credit bureaus. My final payment is due Jan 5, 2018, and today they called threatening me again (at work), with credit reporting. The payment is not due for another ten days. I will pay this final payment and thanks to their financial services, Toyota has lost my future business for life.
Our written audit and payoff statement requests were ignored by Toyota Industries Commercial Finance thus hindering us from paying off our vehicle. For example "Please provide a written response in regard to ** audit request." ** requested an audit of the account so that we might have proof that the error has been corrected? We have requested this on Nov. X, Nov. **, Nov. **, Nov. **, Dec. X and today, the Xth of December of 20**. Another example, "The Nov **th payoff statement provided to us today on Dec. Xth does not reflect our X payment." ** requested the payoff statement twenty-four days ago. ** has made a X payment and waited twenty-four days for this incorrect payoff statement that was provided by TICF today. Our payoff and audit requests were ignored until the consumer protection bureau stepped in on our behalf.
I have leased 4 vehicles from Toyota. Recently, I have had two leases at the same time. For the last year they have been applying payments to the wrong account. I have continually had to call and have the payments transferred from one lease to the other. The problem is that I have to do this every month. When I forget - big trouble. I have had three late payments on my credit. I am NEVER late. I have e-mails and screenshots from their website with proof. However, even after supplying these items, Toyota refuses to remove these from my credit report. NEVER EVER buying a Toyota again!!!
What I mean is that once an error is recorded in the bits and bites of the Toyota Financial Services (TFS) machine, it will hound you and bill you and chew on your financial standing until the mistake is corrected by a concerned human being, and even then it could take months to stop this pest. Here's my story. May it be of some use to you: I purchase a 24 month lease on a 2016 Camry LE Hybrid in October 2015. The Camry was pre-inspected by a TFS agent around October 20, 2017 and returned it to the dealership of origin on October 30, 2017, the last day of the lease. In mid-November I received a voicemail message from TFS, which I ignored thinking it was a business offer similar to those I received during the Summer.
On Dec. 6, another voicemail came, to which I did respond. BTW, TFS has a 2 minute greeting after which they put you on hold for 20 minutes or more - that's right. I learned that, to their knowledge the car was not returned and they would hold me responsible. I told the agent when and where the car was returned. On Dec. 9, the dealership sales manager owned up to the mistake, apologized, and assured me that the mistake was corrected. On Dec. 14, I received a threatening letter from TFS warning that they would resort to "legal rights and remedies" if I did not contact them. It's much easier to reach a sales manager at the dealership, who has a direct number to TFS. I phoned him. He contacted TFS, further assured me that the error was fixed, and added that it takes time to process changes in a giant financial system like TFS.
On Dec. 19, an invoice arrived for a 26th payment on a 24 month lease. It turns out, I had already made a 25th payment in mid November, mistakenly thinking that I had miscounted. TFS, now owes me $316.48 for the 25th payment and expects another payment of $316.48 from me. On Dec. 20th, I spoke with the Administration manager at the dealership. She seems like an honest and caring person. I hope she can help. We'll see. It still falls to a CARING and HONEST individual at TFS to refund what's owed to me. Meanwhile, I am monitoring my credit score.
The Toyota dealership made an error of omission, when they did not start the "Grounding Process" for the vehicle. That's on them and they understand their responsibility to compensate me for any extraordinary costs that result from their error. TFS, on the other hand, is a machine that processes bills, mail lists, call lists, voice messages, and legal remedies. Just remember, a return call to TFS will cost you half an hour of your life, and a finance deal with TFS could cost you enough worry and annoyance to write a poor review.
My name is Kathryn ** and I leased a vehicle through Toyota Financial and decided to buy out my lease mid November. My tags expired on November 30th and I have still yet to receive my lien release information so that I can go get my title and tag/register my vehicle. According to your representatives the information was sent out to me on November 30th. I called on Thursday and spoke to a rep. who told me my paperwork was in a Topeka post office and was delivered on the 4th of December to that post office. He gave me a tracking number and I called the post office (waited on hold for over an hour) and the post office told me that the tracking number I was given was for a package that was going to someone else and at a different address entirely.
I verified the number several times with the post office and they even pulled up a picture of the package and said it did not have my name or address on it. They said it was going to some address on Harrison Ave. So, I called Toyota Financial back and they verified that I did have the correct tracking number and after about 45 minutes on the phone I mentioned to him that I sent in my buyout paperwork with my info on it, but the check was from my Credit Union. He then told me that my paperwork was sent to a 3rd party, but didn't seem to know who.
My Credit Union also does not have a location on Harrison Ave. either so I am not sure who my paperwork was sent to. I insisted that my paperwork was overnighted to me at that point and after MUCH difficulty the rep FINALLY was able to get ahold of a supervisor (not really sure if he did) and assured me that it would be overnighted to me. Well, that conversation took place on Thursday, December 14th and I have yet to receive my lien release as of today December, 18th. So, I called in again today and the rep I spoke with today told me that it was NOT overnighted to me and that it was sent by regular mail and could take another 7-10 business days to get to me.
I again asked to speak to a supervisor who again was not available. I'm really not sure what kind of business you are running if there are never any supervisors available to speak to, but anyway... He transferred me to your "resolution specialist" who then couldn't help me either and said he was going to get in touch with whomever actually sent my original paperwork. He told me that he was going to have my paperwork overnighted, but wasn't sure if it would be sent out today or not and said he would call me back and leave a detailed message on my phone updating me. I did not receive a callback. At this point, my tags have been expired since the 30th of November, I can't drive my new car, I am accruing additional penalty fees for tagging my vehicle late every day that it is late, I have spent hours on the phone with your company, and I am FED UP.
I also have to drive my husbands vehicle and he is currently disabled to a degree from a recent surgery and his vehicle is the only vehicle his scooter fits in. So, that is also another inconvenience as we are having to juggle and find rides, etc. I have spent thousands of dollars with your company and the least you can do is overnight my paperwork. I mean it can't be that difficult seeing that Kansas is an electronic state and you don't actually have to send me my title, just my lien release so that I can get my title and tag my car. Hopefully, one of you actually give a damn and actually have the authority and ability to get this done ASAP because I am tired of waiting and NEED my paperwork!
WARNING - Do not pay your car loan in advance if you have car loan with Toyota Financial Services (TFS). Here's my experience. My payment is due every 28th of each month. I set up my account in auto pay every 28th of each month. One time, I made a payment few days before the 28th. Guess what? When the calendar reaches the 28th day, TFS charged my account once again. I end up making 2 payments in one month. It drew my bank account negative and have to pay my bank overdraft fee and my other bills because past due because my available fund was taken out by TFS. IT WAS A NIGHTMARE!
I have brought this matter to TFS attention but to no avail. They have a very poor IT department and doesn't know how to fix this type of payment transaction. TFS shouldn't be allowed to be in this type of business. THEY DON'T KNOW WHAT THEY'RE DOING. Someone needs to investigate and address this problem at once. I wasn't the only one that got victimized by TFS payment system. My son-in-law went through the same experience with TFS...
Car was returned to them after 2 years of lease and only had $13.7K miles. Car was resold within a week. At the time of return Toyota representative didn't provide any concerns about the condition of the car. Several weeks later Toyota sent me a bill with excessive wear charges. They were very rude on the phone when I tried to negotiate this issue with them.
We have been with TFS for 10 years and never had a late payment until recently when I accidentally put a wrong letter in our new Toyota account which is paid thru our bank online and the first two payments went to the wrong account. Because the car is in my husband's name, his credit score has dropped drastically due to a mistake I made. When it was brought to our attention from TFS, I made the correction and the payments were made to the correct account. We were told we would get a reimbursement of the money that went to the wrong account.
However, a report was sent to the credit reporting agencies and my husband's credit went from excellent to fair. We have always paid on time but apparently TFS doesn't make mistakes and is very unforgiving of those who do. I would not recommend TFS to anyone and if we decide to stay with Toyota, we will definitely be doing business with another financial company. TFS loyalty to their customers mean nothing.
Alright! Here we go... To start I get a (New) Toyota auto (for sure #1 big mistake) loan. Now, This is with a fixed rate and payments are the same amount each month. OK - No big deal! That's what I wanted - Even the Finance Dept. Mgr. said it was fixed rate and the payments would not fluctuate in which they don't. Cool! Now on the other hand I have been paying on this loan for a little over 2 years (@ $508 monthly) and to my surprise when I check my credit report (boy what a shocker) I find that the balance of this loan is not correct!!! The original loan balance started out with everything included title fee, tags, interest, etc., $25,531. I would think my balance after paying $12,168 so far on this would bring the balance down to $16,363 ( $25,531 - $ 12,168= $16,363) Is the math not correct? I think it is. So, Now I have a balance of $22,006 otherwise Toyota is reporting that I have paid only $6,525 this is (BS!!!).
Does Toyota have a hidden balance that they don't put in your contract??? I understand about certain amount goes towards interest & principal (I checked with local bank on that issue). My question though is: Why is Toyota not giving me "FULL" credit for my payments??? CROOKS THEY ARE!!! So, I will be filing a "CIVIL LAWSUIT" against this corrupt giant! Hello - Wake up America!!! Time to take action now or be derailed for life. Let's Make America Better Than Before!!! (For Everyone / No Matter Who You Are)!!!
This is outright robbery. Toyota Financial Services intentionally continues to take out auto payments when the lease is over. I refinanced the vehicle through TFS two weeks ago and they still took out a payment that wasn't even due!!! Where is the CFPB when you need them? Stay away from this shoddy company!!! I will be contacting the CFPB next. You should too!!!
I paid off my loan in mid Aug 2017 and expected to receive Lien release. When contacted reps at Toyota Financial services they told it will take 15-30 days. After waiting till mid Sep 2017, for about a month, then I called to learnt that the Lien release and Title records have been sent to my address on Sep 1st and that they weren't sure on why I did receive it. Upon further grilling and several phone calls and at least 1 hr of wait times each time to get to talk a rep, they found out that they sent my valuable personal info to some unknown person. How did that happen? They have no clue. What documents were sent out, they had no clue.
So they said okay fine, we will dispatch another Lien release and Title records info on Mon, Sep 25th, 2017 and asked me to wait another 10 days. They were not ready to provide any tracking number whatsoever. After calling them at least 5 times on Mon, Sep 25th, they agreed to do an overnight. When I called 2 days after on Wed, Sep 27th, again they had no clue of who they sent it to, was unable to provide a tracking number and saying it was returned. They had no clue of why it was returned, not ready to reveal tracking number because all of their errors and mishandlings will show up. Finally they said they will create a new Lien release on Wed, Sep 27th and dispatch it overnight. I seriously hope I will receive my documents at least in this 3rd attempt of theirs. Such horrible people working at TFS, and poor management.
I am not sure how a company as big as Toyota has such a poor financial dept that handles recklessly customer info. No wonder companies such as this fall prey to hackers. How could they send customer personal info to some unknown person, twice not once. I hope they are reporting at least their financial results correctly to SEC. I highly recommend to stay away from them. I had to go thru so much mental agony and suffering to deal with crooks at Toyota Financial Services. Highly dissatisfied. I don't think anyone at Toyota even cares to read these complaints, because if they do, I would not have seen exactly similar reviews and experiences posted here already before mine.
They towed, somehow, stole my car at the door for just two delayed payments, only by a posted notice, no enough calls to notify us. We were out of the city for a few days during the time they sent me a notice. Even worse, they did not send any email to inform us. Their behavior is terrible. They would make money for auctions... They made a disaster for us... THEY ARE CROOKS!!!
I leased a Toyota 2014 Prius Plug In & returned it to the dealership early in December 2016. It was in pristine condition. They turned around and sold it immediately. I negotiated a payoff deal at the dealership for 50%. Or so I thought. I put it on a credit card and was given a receipt with nothing written into it but the date. Then in May a collections agency called asking for a huge amount. I explained that I had already paid it off. The guy was rude. They persisted in calling me. I went back to Toyota where I gave the $550 as a payoff I thought. They refunded the money to me after much ado. Then I paid off the negotiated debt for $1700 or this is what I was told I had to pay & used the $550 towards it.
I just got a letter from yet another collections agency saying I still owe $440. I explained to her the situation. She told me to get a release of debt letter & I requested this from the collections agency I had paid it off to. He agreed it was paid off & would send a release of debt letter in an email & snail mail. It never arrived. Round & round we go. I own a Toyota now. I WILL NEVER BUY A TOYOTA AGAIN.
Tried to keep up with the expensive payments as long as we could but then family tragedy happened and kept both of us from working full time. We were barely making ends meet. We had not ever been late on a payment in the year we had had the new 2014 Camry. However, when I called and told them our situation and that we just needed some time to get through this and get back on our feet, they wouldn't even consider working with us. They said we have to find a way to get the money or the car will get repoed. What a joke this place is. Crooks. We took out another small loan and paid the late payment and the current one (over a grand) and tried to keep up with payments from there. Then I got laid off and we were in the same boat.
Still only had that one late payment in over a year and half. They harassed us for payment, I told them the situation and asked if they would just give us a month. Nope, they were so offensive, rude, and disrespectful to me like I was some sewer rat. I told them they should be professional and stop treating me or anyone else that way. And I served my country and deserved respect. They didn't care, she just said, well you MAY have but we still need two payments or the car is repoed. We voluntarily surrendered the car at a dealership, the salesman there looked at us like we were committing a crime. When we walked out of there without that car, such a great free feeling. Burden lifted. No amount of debt is worth so much stress. Toyota is a terrible company, I would never ever buy from them again.
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