Toyota Financial Services Reviews

When I called back I was told that I was talking to a supervisor. I really don’t think it was and that’s another issue when I’m doing business. I would like to talk to someone that I can understand and someone that understands me. This is very ridiculous that you get to run around when you have only been a loyal customer. This needs to be fixed immediately. It’s not fair that people just get told anything and don’t really understand what the customer service is saying to you so when you ask to speak to someone that can speak English for you to understand, you are given the runaround. I feel like this is wrong and something needs to be done about it immediately. You all suck.

I called the dealership several more times just to find out what my buyout amount was and I was never told just given the runaround and put on hold several times. Left voicemails and they were never returned. I finally figured out all I had to do was call the automated phone system, and after some investigation was able to figure it out. I owed about $16,500 more. Because I signed a Toyota I am now going to pay out over $30,000. I successfully got a loan from my bank and went to meet with Jason ** at Toyota with my dad. (NEVER EVER GO ALONE TO A DEALERSHIP LADIES!!) Extremely extremely predatory practices there by the managers. Despite me telling Jason and Kim that I do not want to finance with Toyota and would just like to proceed with my bank and keep my service plan with Toyota, I was told that the only way I could continue the service plan through Toyota was if I finance through Toyota.

Jason then proceeded to pressure me to sign with Toyota for a 10% interest rate. I told him absolutely not. My bank was offering me 5.4%. He then demanded that I prove I had a loan from the bank to which I showed him the email and I told him they were offering me $399 a month. Payment. He proceeded to tell me that he didn’t see that in the email to which I told him yeah well they told me on the phone that was just the offer letter. (which only included the interest rate in the amount offered.) He came back and offered me 4.99% from Toyota and made a snarky comment that my bank’s interest rate wasn’t very low. I told I told I wanted to talk to my dad about the contract they were offering. He just sat there and stared at us and I asked him if he could move so we could have some privacy. He then tried to take the paperwork that we were looking at in front of us to which I grabbed from him and said no I would like to see that.

This man literally bothered me so much. My father asked him when we got there if he was from Korea, (my parents are ESL teachers ) and he got offended by the question and said that he was **, That his parents were **, but if he were to go to Korea, he would “not be mistaken for a **” “nobody would believe it." Sir, firstly. You look **. You should be proud of that. Secondly if you are offended by my father’s question fine but just PRETEND you like your customers. You’re in customer service!! The amount that it was clear you hated me and my father was really uncomfortable. Do you haberdashers autism?? I never want to see or speak to you again, which is why I will NEVER go back to the south coast Toyota location.

My dad and I looked over the contract and even though I didn’t feel 100% good about it. I finally agreed to finance with them so I could keep my maintenance service plan (at which point I was introduced to Christian who went over the proposed contract). I decided to go with their silver plan after some debate as to whether to go with the gold for the ceramic coating. I ultimately decided to go with the silver plan and Christian so nicely offered to add the ceramic coating on for free. I said thank you so much and signed the contract. I then asked finance manager Christian if I could only speak to him going forward because I did not feel comfortable with Jason **. He said OK. Not a problem. After we finished the paperwork, they told me I would need to come back on Monday to do the 180 point inspection at which time they would do the ceramic coating, clean the car, and just do a full inspection of everything. I said OK.

I brought my car in and they gave me a rental for a few days while they worked on it.. You would think that’s the end of it but no. Two days later when I was at work I get a call again from Jason ** telling me I needed to come back in to sign paperwork again. He then sent me the links about arbitration and privacy policy. I told him I did not wish to sign those and that it was inappropriate calling me at work this way since he left me 3 voicemails and sent about eight texts in a span of two hours (without me answering!!). I am not exaggerating. I can show proof of this harassment. I told him I wouldn’t sign at which point Christian the other finance manager starts calling me and telling me that Toyota messed up when I picked up my paperwork after my 180 point inspection.

I was already uncomfortable after the inspection because they lost my paperwork and they couldn’t find my car for a good 15 minutes. He told me that they were supposed to have me re-sign the contract at that point post 180 point inspection. I told him that this was very inconvenient for me that I did not live close by and that I was at work. He told me I needed to come in by the next day or they would change the terms of my finance offer.

I was so stressed out at this point. I called a good friend of mine who works in contracts and he looked over the contract that I signed with Toyota. He told me not only was I paying a bunch of interest on the service agreement but that they were charging me $1000 for the ceramic coating. He personally contacted a higher up that Toyota, who admitted that I had been screwed over with my contract. (A friend of his, not somebody that we were signing with.). ven though I was stuck with a car I was not stuck with the service agreement, and I was on the brink of canceling it. I told Toyota if they did not speak to my friend, I would do everything in my power to reverse this contract.

Long story short they took off $2000 the ceramic coating and $1000 of interest. I am posting this to warn other people that these people are not honest and have bad business practices. I will never ever lease a car again with a dealership because of this experience it’s very sad. I leased my car with Toyota for three years no late payments and showed up to every maintenance when due. I had a higher than average 750 credit score and had to fight to the nail not to be screwed over by them. You expect a company like Toyota to have upstanding business practices, but they don’t. They are just as bad if not worse than a shady car dealership.

I gave her the tracking info for the check to ensure there was no doubt where the check was and for my own records. Two weeks later I received a letter, this time I owe another $650. I have never dealt with such incompetence, especially with $45,000 loans! I was so happy with my Toyota but I will never use your financing again! It’s not the dealerships fault, but they are taking the hit. I will leave reviews everyday and make sure that everyone knows how you do business. I will leave them in the dealership and your site and I promise it will cost your company more than couple thousand in business. I will help everyone on the fence about using Toyota Financial choose not to! I haven’t started on socials I’m still on web reviews! Have the day you deserve you greedy **!

They repo my vehicle after 2 months of “backed up” payments. Wanted me to pay the 2 months and the future payment and the repo place and the police station also the dmv totaling to $2400. I did not have that money laying around. I had just paid rent. It was 4th July weekend. They didn’t know I could track my vehicle. The car was in the lot. Sold in auction. Guess where it was at? BACK AT THE LOT WHERE I FIRST PURCHASED IT. They paid the remaining of what was due. Sent me a letter to pay $2400. They damaged my credit for 7 years. Horrible people. This should be illegal.

I called back 12/17, and 12/18 checking to see if the adjustment was made and nothing was done. I called at 7:30 am. Was told that this new payment has always been the payment and that I would have to provide the documents and call the Dealership where I leased the Truck. I received the doc that proves I was tax exempt and still was given the run-around and was on the phone for over 5 hours. Today (12/19/25) spoke to Joesph ** who told me that I could not send him the document proving what my payment is and that I will have to wait another week 3 to 5 more business days and that I will not know whether my issue is resolved. I uploaded a document proving that I am tax exempt and I was told that Joesph could not review it and that administration would look at it and may resolve the issue (but may not and no promise of any response).

I am so upset that I may never do business with Toyota again. I have owned several Toyota vehicles and have never experienced such terrible customer service. Then when the survey came for customer service it said it was expired. WOW, I have waited a week and then put on hold for at least 10 hours total for this issue, been disconnected, and then told that I cannot send the info to them directly and they could not see the documents. TERRIBLE CUSTOMER SERVICE. I need to trade my vehicle and no longer do business with this company if this is the new way they are going to operate.

However, this problem was not the end of the problems. I bought the truck on the 3rd. Was supposed to pay on the 3rd of the following month, which I did. A week later, I get an obnoxious letter explaining that the next payment is due on the 17th. I just paid them. How they determined this new date fascinates me. Is this to boost their quarterly reports? Beats me. But I do know I have to call customer service again, which is OBNOXIOUS.

No declines occurred.

No insufficient funds alerts were generated.

No ACH trace numbers existed for the supposed returns.

In other words: Toyota was claiming my bank rejected transactions that were never initiated in the first place.

I spent the entire month of November dealing with contradictory explanations, scripted responses, and misinformation from multiple representatives. Not one person mentioned that Toyota’s system takes 24 hours to refresh account balances, which would have prevented half the confusion. Instead, I was left to untangle the situation on my own while being told things that were simply not true.

It wasn’t until I pushed for escalation and requested verifiable ACH details (which Toyota could not provide) that the issue was finally clarified by someone competent.

Let me be crystal clear:

My bank was never the problem.

Sufficient funds were present for all attempts.

Toyota never sent the payment requests they claimed were rejected.

Late fees were generated due to Toyota’s internal errors, not customer fault.

For a financial institution, this level of inconsistency and misinformation is unacceptable.

If you are experiencing similar issues—reversed payments, unexplained late fees, or claims your bank rejected payments without supporting documentation—I strongly recommend filing a complaint with the Consumer Financial Protection Bureau (CFPB). The CFPB can investigate when companies mishandle payments or give misleading information. Consumers deserve accuracy, transparency, and accountability. I did not consistently receive that from Toyota Financial Services throughout November.

When I asked what happens next he said that “the car will be auctioned about 5 to 10 days,” to which I asked, "Can you give me some idea of what it will cost me?" He calculated 27 payments of $480 = $12,900. To which I responded, "Wait, you said the car will be auctioned off, how does that relate to the number you just calculated and how does that process work?" And Andrew responded “I don’t know.” So I asked to talk to somebody who know like a supervisor or a manager. This time he placed me on hold for 15 mins!! This has got to be the most horrible customer service experience.

This year, I was finally provided documents I had been requesting for several months. One document was a letter that was withheld from me acknowledging blank spaces on my contract, and a totally different VSC provider company than what’s on my contract. This letter claimed corrections were made, but the only change was the forgeries and one of which was originally a blank space. The VSC they had on file for me has a higher sale price and again, the signatures are not consistent at all with the original I still have. This is breach of contract and fraud on multiple levels.

The credit application TFS has for me on file that they sent me is altered and significantly backdated. The first loan I had with them was a total loss and was being closed out when I bought the other car. The application is backdated to the same date on the claims check when they received it. They let me go over a month not knowing I had no financing and sent me a new contract that was backdated and to the same date as the first loan's contract! They have reported false loan information to the credit bureaus for both loans that has caused severe damage to my credit and will continue to for another 9 years! 8 years so far! That’s 17 years!

I have sent them evidence of all this and made over 7 complaint cases. They deny all of it! This has caused me so much harm that’s affected my health and now I’ve had to build a case and am taking this to court. I cannot go into too much details on the other things I discovered, it’s that bad. Get all your documents from them to compare to your original signed documents and make sure it all matches. Keep an eye on your account activity, because they overcharged me on 2 loans and tried to claim my father had requested a payment extension the same day they deposited the claims check! The letter they recently sent me that’s from that time allegedly, is so suspicious. TFS is the worst company I’ve ever dealt with in my entire life. They are putting me through so much torture and agony.

After both our regular insurance and GAP insurance had paid everything, the website showed a remaining balance of $970. However, when I called Toyota, they told me a completely different (and higher) amount, without providing any written confirmation. They said a letter had been mailed, but when I called on Tuesday, it turned out the letter had only been sent the previous Friday. It’s unclear how I was supposed to know about the payment due before receiving any notice.

I was also told that interest was already being added daily — even though there was no information about this on the website and no documentation provided. When I tried to ask for clarification, the representative (Ashley) became uncooperative and eventually refused to answer further questions. The call quality was poor, and communication was extremely difficult. Also only Ashley asked to provide all the digits of your SSN!!!

I paid the amount they mentioned, but when I checked the website the next day, there was another unexpected balance with no explanation. Overall, the customer service is unhelpful and lacks professionalism. This will definitely be my last time financing through Toyota Financial Services. I strongly recommend choosing another company.

I took over the loan of my late husband after seeking their permission, and after paying them 6 months (November 2024 to April 2025), they refused to give me the necessary documents to license and get plates in my name. One of their feisty representative, without no compassion and remorse on February 26, told to do a voluntarily surrender of the vehicle, because I keep calling and enquiring when will I get the necessary documents to get the plate and to license the vehicle in my name. I finally did in April after consistently paying and the vehicle could not be license. The EVIL COMPANY PUT IT on my credit stating an false amount of money obligated to them, after they auction off the vehicle. This company must never get the chance to treat another customer how they have treated me in the time of bereavement.