Toyota Financial Services Reviews

I have a 2024 Highlander financed through this company at 5.75% APR. My vehicle was totaled. Total due today is $15,101. But if I want to pay off, which I have to do now, the amount is $15,199. You pay full interest plus a fine for paying off early. I have purchased a new vehicle using Honda Finance. If I decide to pay off early, Honda won't charge me the remainder of the interest. Also, it doesn't have any early termination fee! I have learned that Toyota is a parasite. Never buying their vehicles or using their Financial (by the way, the vehicle failed to deploy airbags despire severe front end damage. Bodyshop tech says they might be defective).

The worse. Prior to Covid they had options of calling and paying 24/7. Now not only do they exploit outside staff outside the U.S. in the billing department, but there is no one to talk to on the weekends. I had proof I was in the hospital as well for two months which is why I missed my payments starting this year but despite me paying they still repoed my car. I paid $100 towards the repossession office and in addition it takes one day for them to process the documents of release on both parties — Toyotas and the repo office so although I paid my fee I ended up paying $20 paying the repo office a total of $120 instead of $100 because they could not release the vehicle the same day. Then they were both blaming each other on how they process this.

Do not misconstrue my message, I love my Toyota car. It’s my fourth lease, the issues in the past but more so after this last call is about Toyota Financial Customer Service. These people are not experienced or versed to help you. I don’t usually demean anyone that’s in Customer Service or that is trying to help me but they do not know what they’re doing. They read from some kind of script like a robot and I had a gentleman first phone call. Tell me he’s putting me in collections and I already had paid my lease so obviously there’s some glitch with my bank, etc. The money is taken out it showed Toyota Finance got their money so he said we will put you in collections legally you can’t put anybody in collections to your 30 days past due, but I’m not worried about it because I hung up on him.

This isn’t even the full story of what I went through, just what I can manage to explain without writing a book. I was already under a tremendous amount of stress in my personal life. My hair was literally coming out from everything I was dealing with, and this situation with Toyota Financial only made things worse. It was a nightmare.

A nightmare. I have had a lease with Toyota for four months and I've spent at least two hours on the phone with them each month. They've lost checks. I've sent them in the mail and failed to notate payments I've made to my account, and as a result, my credit has dropped by 99 points because they have wrongfully reported that I have failed to make payments when I have made payments on time all along. Cannot trust them to keep the money you sent them organized. You have to babysit/double check/follow up on any move you make to make sure it's done correctly. I wish I did not have a lease with them.

I bought a Toyota Camry 2022 for 22 thousand with a 3 thousand down payment of 12.42% interest. 520$ is my monthly payment. I was 8 months ahead on this, and asked if they could put those 8 months towards my principle. They said they would, but ended up making a TFS error and returned all of that to me. They told me it would take 7-10 business days, and here I am 13 days later with my bank claiming nothing is being processed and now Toyota customer service claiming the 5000 is in my Toyota account.

We recently purchased our leased car and dealing with Toyota Financial has been our worst nightmare. It took 4 phone calls and finally a manager’s intervention to get a simple receipt for our transaction. Then, the title was issued incorrectly and that took 2 lengthy visits to the DMV and multiple phone calls to resolve. Worst of all, Toyota lied to us about why the title was issued incorrectly. I would never, never deal with them again.

It has been 7 months that DMV/I am requesting a paper title copy from them to get my vehicle registered but despite repeated calls no Joy. Can’t drive my car and paying them money every month as it is not registered. Also, on every call after lengthy wait and discussion their agent tells that there is no solution as all their departments are isolated and there is no email address to communicate with them. After desperation once I asked them that I want to come out of this lease, take money and buy the car yourself they replied that till it is not registered we will not buy it, basically blackmailers, they rip you with your money and don’t provide any service, PLEASE AVOID THEM.

This has been the worst experience ever! As a result of this I will never buy another Toyota. Love the cars but this experience has soured me on toyota. Tried to pay off my loan. They took multiple payoffs. Now dealing with my bank to recoup my own money over 10000 in the whole because of them. If dealership tries to offer Toyota Financial cancel the purchase immediately. Worst company ever.

On May 30 I made a payment to TFS. Not only did they take out the payment They took out 3 payments. When I called TFS they said it's a glitch in the system. Now 10 day later and 255 in fees I'm still dealing with it. And of you call TFS you get a call center in India and they can't understand anything. Absolutely appalling. Toyota needs to do better.

I had only 5,000 left on my 2016 Toyota Camry SE from 19,000. I paid 14,000 and I told them I lost my job if they could work with me. They didn't and repo my car. It took me two week to find it and get the other out. I wanted to get my license plate off but the tow company who are also disgusting wouldn't let me. Then this joke of a company the Toyota wanted to charge me 900 for the tow and repo expenses. Sure I'll pay the 900 then give me my car back. So I pay 14000 for a car I do not have. They are a scam. Do not go to them.

If there was a zero score I would have chosen it. Their customer service is horrible. I spent over 4 hours yesterday trying to get the correct number for the extended warranty. They gave me six different numbers to which they said I had no contract. Horrible service and the representatives lack empathy and willingness to help. They just transfer without even trying to figure out and help the customers. They appeared lazy, just want a paycheck without having to work.

Toyota is not the same company it once was in reliability or customer service. I have a 2006 Toyota Prius that's had normal wear and tear over the years, but has given me very little headache over the years. I recently purchased a brand new 2025 Corolla Cross Hybrid and after 2 weeks the car had mechanical issues. Working with the dealer, Toyota brand engagement and TFS has been nothing but a headache. My car (purchased on April 19) has now been in the shop, since May 4, 2025 - I've been without my brand new car longer than I was able to drive it.

TFS is the absolute WORST company to deal with. If I could give them a ZERO, I would. I got married and need to change my name on my TFS LOAN AND TITLE papers, because we have moved States and I need to register my car in my new State. Sounds simple...right? Wrong. The Alabama DMV and I have been trying to get this done since the 2nd week February and this is now the last week in May. The Fax numbers don't pick up to receive the documents. The Certified mailed copies of the Forms that Toyota sent as well as the Marriage Licenses, have now been mailed.

If I could give them a zero in every single platform I would. I am about to pull my hair out messing with TFS!!! They've taken multiple payments out the past 2 months, now saying I'm late, past due and payments never received!! I sent over my merchant reports from my bank & am being told that they cannot assist me because I'm past due???? I've requested to speak with a supervisor the past 2 months to be denied constantly. Or to be told there are not any people with any sort of authority to rectify this situation. So I reported them to the consumer affairs then if I don't get a resolution there I will contact the bbb.. Then I will get my attorney involved.. Do not buy a Toyota and have to deal with these rude incompetent people. I also know all of this that stemmed from my very first interaction with these hateful foreigners.

I have been trying for 24 hours to pay the full settlement amount on my PCP. Everything on my side is set up and my bank can see that everything should work - But TFS system refuses to take payment. Wasted day and the prospect of more waste seems inevitable. My dealership says it cannot help. Useless.

This company is horrible, they steal your money and their app is not accurate, long short story I was trying to pay off the account and they added thousands of dollars out of nowhere saying I was making my payments for the principal not the monthly payments which is not true. Do not go there. You will see a hurt on your finances. Try other bank when financing. They will always charge you lots of money out of nowhere. If I can get legal advise so I can give my story will be helpful so I can stop this company from stealing its clients.

Sebastian from Toyota Financial Services is probably the best thing that has happened to this company in a long time!! It takes absolutely forever to get ahold of someone & then when you finally do it’s as if these people are not trained correctly or simply just don’t care to actually help you find a solution. It’s hard to come across someone who knows how to directly get to a solution. This man deserves a raise or bonus or something for his fast, efficient, professional demeanor. He got my situation handled within the first 5 minutes of being on call with him. When I called the first time it took so many avenues to come to a solution that was going to take way longer than it had to. I decided to call back because the solution given to me the first time seemed too complicated when it was Toyota who messed to begin with not me! The laziness of most employees that come from this company are beyond me. Moral of it all, glad I called back & got placed with someone who actually knows what they’re doing. This company can only pray to have more employees like Sebastian. ID #** for reference.

Toyota Financial Services does not report to credit bureau if it's a commercial loan. $80,000 we paid them over 6 years on 2 consecutive loans with no "credit" for it in anyway. TFS has hurt our Church in an immeasurable way. Without proof of 2 paid vehicles through TFS we're stuck either doing business with TFS or not at all. Scam, fraud don't come close to taking advantage of a Church.

This company will rob you if they can. We are owed a little over $6,000 from a gap claim. And instead of paying us the legal amount. They want to charge us instead for a little over $200. They know the cost of an attorney would evaporate what they owe. Avoid this company at all costs.

TFS is a predatory lender. Their online payment system is ran entirely on AI with zero options for human interaction and they are currently committing a felony against our non-profit organization by not applying payments made accurately to our account in the amount of $1,200+ dollars of Church funds.

I bought a 2021 C-HR for my daughter in 2021, it was brand new. I make every payment like clockwork. Tonight 4-9-25 at 9:15 pm a tow truck showed up to repo it and scratched it hooking up to it. I showed the guy my receipt where it was paid 4-5-25 and he said "ok". unhooked the car and left. I won’t buy another Toyota. They will rip you off.

I am extremely disappointed with the service I received from Toyota Financial Services. I called to request payoff information with the intention of trading in my current Toyota for a new one, as I truly love my Toyota vehicle. Unfortunately, my experience was far from what I expected. I spoke with a representative named Darwin (ID #**), and he was not only unhelpful but downright rude. He ended the call abruptly by hanging up on me, leaving me without the information I needed. This level of customer service is completely unacceptable, especially when I’m a loyal Toyota customer hoping to continue doing business with the company. If customer service is important to you, I would strongly urge you to reconsider before choosing Toyota Financial Services. Based on my experience, I will be looking elsewhere for my next vehicle purchase. Disappointed and frustrated.

Terrible experience. 3 weeks trying to update bank info... Alberni Toyota won't help... Online is all do it yourself... Then it's a week to have the paper processed and another few days to take payment... Then it will show you missed a payment when they are just lazy... because day 1 they get your commission... They get all your info set up... After that nobody cares... Oh and they text you every morning to remind you that a payment is missed but they can't get the money ... only text about it... Too many people letting computers do their job... May choose a Honda next time.

Would STRONGLY DISCOURAGE anyone from financing your vehicle purchase thru a loan with Toyota Financial Services! Had a loan with them for my 2020 4Runner. Last payment made this month. Called to ask when I'd get title and confirm loan acct will be closed out only to be told that since I'm on auto-pay with monthly payment they will continue to take my money even after loan paid off, and never answered my question as to when I'd get my title. They told me the only way to stop the monthly auto payments was to go to my online acct myself with personal computer and turn off "recurring payment." WHAT A SCAM AND SO ILLEGAL!!! Not sure why they have a financing dept staff if I have to do their work for them. Never in all my yrs having loans with banks or other dealerships has this ever happened. BEWARE!!!

GAP is a scam. I had a GAP claim that I attempted to file for weeks, diligently calling and verifying that I was submitting the correct paperwork. Despite my efforts, the online system continuously showed missing documents with no clear guidance. Submitting documents online only allowed one copy. I kept being asked to turn in all 4. After multiple calls and wasted time, I was finally informed that I could fax the documents instead. I promptly did so. I then proceeded to pay off my vehicle completely out of pocket. After waiting yet again, I received a denial of my claim. The entire process had already been frustrating, riddled with miscommunication and incompetence. At that point, I simply wanted to be done with GAP. I attempted to cancel my policy, only to be denied—something I wasn’t informed about until three weeks later.

When Toyota Financials sends us our Billing Statement, it does NOT say that if you mail your payment, it might take 2 weeks for them to receive. They don't even consider Holidays, etc. We bought the car recently. Although, we mailed our car payment way before the deadline, they've charged us LATE FEES twice so far. They claim that they received it after the deadline! I am suspicious that they've planned that way: When to send the statement & when to receive the payment. How come the Post Office delivers Xmas cards within 2 or 3 days during busy time of the year, but when it comes to Toyota, it takes them a few weeks to deliver?

Horrible customer service. I have been fighting with them for over a month to get them to produce the title for my already paid off vehicle. They made an error and now will take no effort or responsibility to correct it.

I will start by stating I overpay, never miss payments and can pay off the loan if I wanted to. With that said. I have financed several vehicles in my lifetime and have never been treated so poorly by any company. Toyota lied about many things to get my business and CHANGED major DETAILS AFTER signing for the vehicle. I have been overcharged more than once. They have taken money out of my account WITH NO AUTHORIZATION AT ALL and have REFUSED to refund the money they took without permission. At the time they took the money, I was 4 payments AHEAD and overpaid by 2.5k intentionally.

I traded my car in October. I called and gave them my new address. They started sending like credit checks out. I got 2 of them at my address. So I’ve been waiting for my GAP check since then. I called multiple times to check on it, they said it should be here soon. I called first of January and they said they sent to old address. How come, when the checks before it came to the new address so they said they would resend it but end of January and still not here. I’m really not going to get my money I guess. The customer service was nice. I guess being nice while lying to you is easy.

Very bad customer service. I request to speak with the managers many time but nobody care. No calls. I will say this place not the right place to give your money, very bad. I paid extra money to my account.

Tried to sell car privately from a lease, several reps I spoke to said this could be done. I filled out the paperwork they sent (Toyota Financial) and sent a cashier's check. They asked me to fill these forms out two additional times and in the end sent the title to the wrong person and wrong address. I know they had the right address on file since it was a higher tax location and I was paying more at the current address. In the end this became a three month long process and was almost a grand more than it should have been. I hope I never need to deal with Toyota Financial again.

Absolutely terrible Phone payment system now as they want your SS# AND your long acct #. Who has that on them! Tried the App and can never log in. Every month is a challenge to make payment. 👎 It almost feels intentional.

I attempted to pay off my car loan with Toyota Financial Services (TFS) on August 13, 2024, by sending in a check. However, at the beginning of September, I received a notification that I was behind on a loan payment. Concerned, I contacted Toyota Financial to inquire about the situation. During my call, a representative from TFS informed me that they had not received my check and that I needed to make a payment to avoid late fees.

There is a credit servicing agency for mortgage companies that somehow are asked to reach out to Toyota Financial to give credit information They call you and conference you in. Toyota financial rep did a cursory “consent” that doesn’t really specify what type of information is provided to the credit reporting agency except “call is recorded“, “do I have the permission“ and then gives information that one would rather not get revealed to the credit reporting agency. They do it anyways and it’s humiliating and embarrassing. When redirected to give just the necessary information, they get snippy and when I request a supervisor that clearly boundaries are crossed, they say “it will take 2 business days“ or something in those lines, these staff have no respect for privacy of financial information for their clients. Had a terrible experience today.

While it’s great to have a lease option this company fails at everything surrounding your lease! First off paying your bill is an utter nightmare for everyone it seems getting logged on is a huge hassle resetting info each time. Secondly and the reason I am returning to the dealership for another option is my spouse passed away, I have contacted Toyota Financial every month for four months now because the state I live in requires a letter to have my deceased spouse's name taken off the CTA to register my car. Absolutely NOTHING HAS BEEN DONE AND I AM UNABLE TO REGISTER MY CAR! These bean counters have shuffled me off stating it will be done yet when I call each month thus far 7 calls 45 minutes a call I get NOWHERE! I am DONE WITH TOYOTA FINANCIAL.

0 would be my rating of Toyota Financial!!! My car was totaled on June 24 2024. They received a check from my insurance company JULY 23 2024 and I have yet to receive the reimbursement check for the extra payment that was made. It is November 23, officially 4 months later. Once again I was told another 2-3 weeks. I feel like this is fraud!

My car is currently leased through their company. Their website is a total time waster. You can never log in. Something is always wrong. I have the hardest time reaching anyone with customer service and overall just a horrible experience. With Toyota being a big company you think that they would be able to do better. Paying my bill monthly leaves me with anxiety and is a huge hassle. I am currently looking to refinance to get out of this nightmare.

0 stars. I don't recommend Toyota Financial to my worst enemy. I hit a deer and totaled my car over a month ago and the customer service on the phone is OK, but the whole operation of Toyota Financial is terrible. My insurance sent out the payment for my car 3 weeks ago and they keep telling me their payment processing is backed up. The woman said she's not supposed to give me a time frame for the payment to be processed but she said it will take another 30-45 days. I work 45 minutes away and this is just absolutely the worst time in my life. I'll probably end up losing my job pretty soon because I can't afford to book any more hotels or rides to get to work. It is the most frustrating, depressing situation I have ever been through thanks to Toyota. Please do yourself a favor and go through a bank or credit union.

A complete joke. Inept phone reps. Almost 2 months and warranty refund checks did not process so payment stopped. Back to square one. They received 3 new checks and still waiting for processing. Bottom line is they are useless. No way to direct email them. If only they were as dependable as their cars. Seek financing elsewhere.

I was never sent a title (finance company holds it per New Jersey regs.) in 2008 when I paid off my loan. Now, 2024 New Jersey Motor Vehicle Commission won't process a clear title without a lien release. When I called Toyota, I wasn't even in the system anymore. Tax returns only need to be held for 7 years, why State of New Jersey thinks I can still get a title release is beyond me. Tried the dealer, no help there. Called Toyota again, now they will send the title release via snail mail. Meanwhile, I've already traded the car so the dealer has to wait. I doubt this missing title/lien release letter will show up. Not buying a Toyota again.

Absolutely atrocious service, ridiculous phone bank and unhelpful staff. I work for a dealership and it is a nightmare to have to deal with these people on payoffs. I don't recommend them at all. Zero stars.

I would give 0 stars if I could. Sent my insurance claim check to them September 18th for endorsement. Quoted a 7-10 business day turnaround time. It is now OCTOBER 22nd and no one can tell me where my check is!!!

This company "DOES NOT" deserve a star. This is by far the "WORST" financial company there is! They hound customers down for payments then when customers pay, they pretend to not have received payments. I paid over $700 and they're telling me my payment has been cashed!!! How?? How do y'all know this but claim to have never received anything? Ya'll are responsible for payments received. I feel as though I have been scammed by these people & my $755 needs to come up asap! Now they're trying to take my vehicle that I paid for but won't return my $755 they claimed to never received!!!! NO SIR....

I suggest Toyota Financial Services hire more people in their finance department in TX. It cannot be difficult to hire someone to data capture all the payment checks received!! My insurance company paid Toyota Financial Services eight weeks ago because my vehicle was totaled in an accident, I am still receiving notices to say I am overdue on my payments and Toyota Financial Services owes me over $1100 now. I need to purchase another vehicle and I need this money. I have called the customer services line many times, all they say is that they are short staffed and the check has been received. Some of the customer services agents are quite rude as well (I was not rude, just asked about my account being handed over to debt collectors). Come on Toyota, you are making a lot of money and you should be paying us interest on the money you owe us.

I am extremely disappointed with the service I received from Toyota Financial Services. I sold my car to Carfax on July 30th, and they promptly sent the check for the remaining balance to Toyota. However, Toyota Financial did not process the payment until three months later. This unreasonable delay resulted in Toyota falsely reporting missed payments and sending my account to collections. Despite the fact that the payment was sent on time, my credit score took a significant hit due to Toyota’s incompetence. Trying to resolve the situation has been a nightmare, with unhelpful customer service and no accountability for their mistakes. I expected better from Toyota, but this experience has completely shattered my trust in their financial services. Be cautious if you're considering financing through them—this could happen to you too.

My car was stolen on Aug 6th. State Farm sent a settlement check to Toyota overnight address 2 weeks later. It’s been two months and my settlement check has not been processed. I’ve called over 20 times only to be told that they’re understaffed and the check was received. Meanwhile, I need to purchase a new vehicle, yet this car is still showing up on my credit as an open account, after 2 months which affected my credit score and rating!!! I’ve left messages over 10 times asking to receive a call from a supervisor and have yet to receive a callback. A class action suit needs to be established with Toyota Financial, they are absolutely unprofessional, nonresponsive and should be put out of business!!

They are the worst to deal with. They charge you a late fee if a payment is late but the payment is auto deducted from my acct. They also waited one month to tell me that last month's payment was not taken out and is now late. No crap it's late, it's a month later and I am just getting put on notice now! Unprofessional. Please make sure you have another company buy them out so you do not have to deal with their stupidity.

My car was totaled and the insurance paid them in full months ago. During the time they had the check, they took out two automatic payments from me and cannot refund me the money until the check is processed. Their processing department is apparently months behind and still have not processed the check. Not everyone can afford to have that much money just gone. This is ridiculous and I will not be using them again.

I have been a Toyota customer for a very long time, I leased three Tundra trucks, four Camrys, and two RAV4 SUVs. I just started a lease on a new Lexus RX350 which, is also financed through Toyota Financial Services. This most likely will be the last time I deal with Toyota ever. I extended my existing lease on an RAV4 in February for 6 months because Toyota did not have any RAV4s in inventory, the same situation happened in August which forced me to extend the lease for an additional 6 months period. I take care of my cars and they retain good value therefore I do not want to return my leased RAV4 and pay disposition fees, instead I want to trade it in for a new vehicle or sell it to get the benefit of equity.

I, like many others, found my interaction with Toyota Financial to be an absolute nightmare. It took a while to finally figure out how to make contact with a real person (stay on the line, listen to 5 minutes of dribble unrelated to my problem, and then keep pressing zero, as there is no prompt to speak to a real person). All I was trying to do was get a copy of the title of a leased vehicle to reregister a car whose title had expired. It took over a month, and after probably 15 phone calls, six trips to the DMV (that's another matter), numerous broken promises to fax and/or email a copy of the title, changing story lines, etc. I finally talked to a rep today who was able to accomplish this most basic of requests in a matter of a few minutes.

We bought GAP insurance through Toyota Financial Services and we paid off the car on April, they were supposed to send us a check for $511 that we never received, upon calling them they said we already cashed out the check and they couldn’t do anything, we asked for a copy of the check to see who cashed the check since we didn’t receive it and we are still waiting, no money, no check, no answer, their customer service is rude and useless. Don’t finance anything with this company.

Absolutely the worst company I have ever dealt with! I received an insurance check 2 1/2 months ago asked it to be credited towards the payoff of the vehicle and the payment was never posted after reaching out to them. Let’s not forget the multiple attempts to reach an individual through their worthless contact phone number.. Eventually got through. Was told they never received the check and was told to cancel with my insurance carrier which I did and they promptly sent out a new one.

My Car was paid off, Got an overpayment check that got bounced.. And It's been almost a month they've not even started title processing stating that there's some accounting issue.. Tired of following up.

Customer service is nice but their system is garbage. Reason I’m getting rid of this service after I get this vehicle paid off. Cost about the same as my Chevy. But when you hit a rough patch again because of your health and work life being as demanding it impacted my pocket I just wanted a month extension so I can pay the back amount and to change the due date and got denied even though I’ve been paying every month so far with no issues. But that isn’t allowed this is why I miss my financial institution at least they gave me a five month extension when I was out of work due to my medical issues and was getting back on feet. They cared that much. I give props to Chevy and Cap One for that. They really need to change Toyotas on how they handle their customers. Every case a different and they should really be more mindful and helpful

I have been attempting to get my title sent to my new state’s title office for weeks and have had absolutely no success. Toyota told me they had sent it to the title office within 1-2 business days but every time I call the title office they still have not received anything. When I try to call Toyota again I cannot get a representative on the phone! I have called multiple times and today I called at 4 pm CT and their office was already closed when it says they’re open till 8 pm online… They should at least be open till 5 pm CT as they’re located in Texas, so I guess I will just be driving with expired Texas plates here in Ohio as this has been a nightmare experience. I would give zero stars if I could. There is zero accountability and zero customer service! I so regret using Toyota Financial and want them to be held liable if I get pulled over for having no registration and expired plates due to their complete and utter incompetent!!!

Absolutely trash company. They keep changing the address for the pay off check to be sent to. Sent me a letter saying my loan was paid off and a check for gap insurance reimbursement, which bounced. I have called multiple times, each person transfers me to the next person. They keep telling me wait another two weeks. It’s been 3 months. You can file a complaints with a customer service rep, but can’t call administration to check on a update for the complaint. There is no administrative department to speak to.

Don't finance a car from them. Also you can't reach anyone by phone typically. My dealer straight scammed me many times. Never buying or financing anything ever again. Heed my warning. Avoid my mistake!!!!

I'm trying to sell a car and instead of sending me a title after I paid off the loan they sent me a title that actually states, "Not good for use in sale of this vehicle." Tried to contact their customer service and they basically said it's my problem now.

If I could give Toyota Financial as well as Priority Toyota of Chesapeake Virginia 0 stars I absolutely would. I have never seen a company do such illegal, and disgraceful things to not only paying customers, but to 100% disabled Veterans at that. From changing a lease agreement somehow from 3 to 5 years even though not one dealership has heard of a 5 year lease. To refusing to provide documentation for 2 years due to moving to another state to update tags and registration. To now fraudulently not only trying to charge me personal property tax for the last 3 years even after providing all documents of being exempt and protected from paying as a 100% permanent and total disabled veteran this matter still remains in dispute with these charges still remaining on my account.

After working so hard on my credit so I could finance a car without a co-signer I financed a Scion TC through TFS. 2 years later my car was stolen. I had 3 police report numbers, the officer who was handling my case I supplied all the information I had to TFS. The person who stole my car hit 3 other cars. Everything was under investigation. When my car was found it was towed to Green’s Towing in Hampstead MD. The towing company sold my car, TFS put the sticker price from the day I financed the car 12,999.00 on my credit report as a charge off. I was already 2 years in paying my payments. This is the worse case scenario that could possibly happen to anyone. How is this even legal? It’s been another 2 years and I am still trying to work this out with TFS.

I agree With others that this is one of the worst Customer services. Experiences I've ever received. I'm trying to Payoff/purchase my Vehicle. And all I get is an automated voice system that rarely. gets me to a real human being. Today July 17th I'm calling at. 3:20 PM. Mountain time. And even though they are supposed to be open until 5. PM, central standard time, They are closed.

I was with Toyota Financial Services for over a decade. I recently leased a car & my city taxes went up by $1.00. I was on autopay having no idea that I was not paying the extra $1.00 monthly. They hit my credit with a 30 day late for $12. My credit score plummeted by almost 100 points!!! I was in shock to say the least. I called Toyota Financial Services not knowing why this happened. They were incredibly rude to me, while explaining everything. They did not care at all that I was a loyal customer for over a decade with stellar payment history (never been late). They were so rude to me even the Manager. They were so rude that I emailed the CEO, which his assistant responded back with the same rude tone.

This is the worst experience I have ever had. Trying to purchase my leased vehicle sent the paperwork with a bank cashier's check for the payoff. No acknowledgment from Toyota that anything was received by them and I made several phone calls and you get different answers to the same questions from different representatives. A month has passed and they keep telling me I do not have to make my lease payment but now I see that they put a $20 late lease payment on my account. Although several agents told me my paperwork and payoff check was received but not yet processed. For a company that make great cars their Financial Services are the worst.

They are not helpful to communicate with. I get transferred to multiple people every time I call. The last worker, Levi, was mumbling and I told him twice I could barely hear him. He told me I called the wrong department. I told him I didn’t believe so because I dialed the same number I called the last payment I made. He transferred me to someone who transferred me back to his department. I’m so glad I don’t have a payment with TFS anymore and if I ever own another Toyota, I will not finance through them. Save yourself the headache

I know for sure our next car will NOT be from Toyota, so that we do not have to deal with Toyota Financial and the laziness and attitude of the employees in charge. We have set ourselves on Auto pay, for 5 years now, till the end. Yet we get a nasty note / letter from Toyota Financial that we are in default. We were charged late payment, threatened to be sent for Collection. For 5 years they are getting paid through "automatic payment". Yet the employees did not bother to check before sending the letter; did not try to check how we were paying for 5 years and simply take the lazy way to send us such irresponsible letter. Just reading the terrible reviews herein tell a lot about their level of care and professionalism.

I had a 2008 Toyota Corolla financed through them. I hit a deer a month and a half ago. Since then they have messed "EVERYTHING" up. They have not paid me my GAP that I cancelled. Then yesterday they pulled out another payment on my totaled car! I "WAS" in the process of closing on a new 2024 Toyota GR. This experience made me go buy a Honda R instead! Never again will I finance anything through Toyota.

This company is just plain terrible. Once you finally get to talk to someone (which is quite difficult), they give you the run around - no one has any solid information. I have been trying to purchase my leased vehicle from them for 2.5 months now and it's still not processed. I was given 20 different instructions initially and 2 different numbers for payment and still am not clear on what was the correct route/payment. Would highly recommend NEVER using this as a financing bank.

They don't even turn their customer service phone lines on during their open hours, so you're stuck talking to a robot that's asking all the wrong questions because their "office is closed" (it's not).

TOYOTA FRAUD ALERT! Toyota has not paid my member's Illinois sales tax on a vehicle we refinanced for him in December. The IRS is now charging him late penalties and interest. I have contacted Toyota SEVERAL TIMES to address this issue. Toyota filled out an ST-556 but NEVER made the payment. Now to clear this error up the Illinois Department of Revenue will need a copy of the check if it was actually paid. I don’t know why it is taking over 5 months with numerous calls and emails to get a copy of the check. If it was a human error then the funds need to be paid ASAP! Everyday I am told “it’s not my department”, “wait 1, 3, or 5 days for a response” or “I have now emailed the right department.” WHAT A JOKE! Listed below is everyone I spoke with and left messages/emails with as no one HELPED get this resolved.

I'd provide less than 1-star if I could. The company purposely sets up recurring payments to reflect to future payments as a means to pull as much interest out as possible; therefore, consumers have two options: 1) go in every month and pay a Principal Only Payment following release of your initial monthly payment, or 2) call in every month to have the excess you've paid atop your minimum Monthly payment applied to principal. If you fail to do either above, the payment only applies to future payments; therefore, your APR is maximized for TFS and not the consumer. I've received better rates with easier payment options elsewhere and will never do business with TFS moving forward and advise future customers to visit lending brokers to receive the best rates/payment options.

This company is incompetent and not consumer friendly. They make promises to refund or rebate checks on total loss vehicles, and tie you up with processing times and misinformation. They screwed up processing of every document after my purchase of a vehicle as well. Made promises in deliverable times that they do not adhere to. They reissue checks, say 3-5 days process, and say they'll overnight check. Then you call them back, check hasn't been issued, 3-5 more days, with "no" overnight. 7-10 days in Continental U.S. Purveyors of misinformation and unmet deadlines. Can't be trusted at any stage of purchase or recovery of loss process. Will never go through them again.

This review is specifically for Savannah. I am an authorized speaker on my fiancées account, it's actually my car but we financed under his name. Every time I call the representatives they are great. But when I spoke to savanna this morning, she stated she didn't see my name on the account though my fiancée has come on the line at least 5 times to verify it's ok to speak to me. How come all the other reps can see but not her? I felt on the defensive with her and she put me on hold for a long time without checking in so I had to hang up. I understand she is doing her job but ridiculous questions and her not seeing I was authorized is frustrating.

After my loan was paid in full my bank inadvertently sent an overpayment to Toyota Financial Services -TFS (my fault for not stopping auto payment in time). I notified TFS and they assured me the money would be refunded to me. When I did not receive my check from them after nearly 3 weeks I called and was told the check had not been issued yet. I spoke to an agent in the resolution department who assured me the check would be processed right away and sent to me by FedEx. Two weeks later - still no check, so I called again. I was told by another resolution agent that the check was issued and mailed a week ago - but not by FedEx - oops someone dropped the ball AGAIN. They cannot guarantee when it will be delivered by the postal service so I must just wait and see. I believe it is unacceptable that my refund should take well over a month to arrive and that even though there was full documentation regarding the issue, no one followed through with resolution. I will never finance a vehicle through them again.

I experienced what I learned to be sudden unintended acceleration (SUA) the night that I financed the 2014 Camry Hybrid. The dealership wouldn’t take the car back, nor did they even test it, but told me the problem was fixed. The next day, another SUA incident landed me in the hospital and the amputation of my toe. I called TFS seeking help 28 days before the first payment was due and told them I had no intentions of making a payment. They sent me back to the dealership. I called TFS back and they put me in contact with Brand Engagement (BE). BE was to bring in the vehicle for testing but TFS intervened to stop testing. Over the course of the next 9 months, the car was dormant in my carport. When they came to pick it up it wouldn’t even start. I begged them to be careful because of the SUA events.

Honestly I would love working for this company. No knowledge on any process or customer service skills required. I have called at least 13 times to try and get a copy of my title sent to a new state so I can register my car. As many other reviews have said, every single employee I spoke to had a different answer to my question. It is impossible to speak with a manager and when asking to speak to one the rep I was speaking to put me on hold mid sentence and gave me to someone speaking Spanish. When I called back to make a complaint and AGAIN try to speak to someone who could give me an answer to my question I was still shuffled around to different representatives. When I finally ask if I just pay the car off would I have to go through this process they STILL informed me they did not know the answer....absolutely worthless customer service department.

Worst customer service ever! I called so many times to their financial service due to my overpayment refund. I have received different answers or information whenever I call. I simply requested to send it to my current address because I’m no longer living there, like what they did to my car title. I don’t understand why in this simple request cannot do it right. All in all, despite of my several calls and requests. It turns out that they still send it to the wrong one! We don’t deserve this kind of stress. Avoid this company while you still have time.

This has been the WORST company to deal with as far as a loan. I have been locked out of my financial account for months and STILL have not been able to be let back in. I have been calling them every week for the past two months and each time there is a new agent with the same story. Ticket still pending or previous agents did not even submit a ticket. During this time they have been charging me TWICE and I am unable to remove payment methods because I am still locked out of my account. I will be switching my loan to another company. Wish there was a 0 star option. I will be escalating this issue as far as possible.

This is NOT a good place to get an auto loan. I got a car loan for a new Toyota and paid it off in full, weeks before the first payment was due. They still charged me $50 interest. I had to call them repeatedly, to obtain my car title and it took them months to send it, even though the loan was paid in full.

DO NOT FINANCE THROUGH TOYOTA FINANCIAL! The last 3 years have been an awful experience. I sold Toyota my old vehicle and it took almost a month to receive payment even though they demanded my payment immediately. 9 times out of 10, the website doesn't work to make payment. Calling in for Customer Service took around an hour to connect EVERY TIME. I am purchasing my vehicle direct now and they are taking an eternity to process payment and Customer Service has been awful to deal with.

How does such a huge corporation not have a chat service on their website for customer support and how does such a huge corporation put you on hold for an ENTIRE hour just for a question you have. RIDICULOUS.

My car was recently repossessed by Toyota, this is one 100% my fault. No one to blame but myself without getting into. I fell on some hard times, anyways I need to pay the months I owe, ok. I saved that, then they add $870 repo fee, then $75 tow fee and $10 a day storage fee, and I have to make an appointment to pick my car back up, they will only take western union payments that are more ridiculous fees, I am a single mom trying to make. This company kicks you when you're down, it was pay some major bills for my kids or car payment. I had to do what I had to do, I now have the money to get the car and they make it impossible almost. Idk. Just really bad experience with this company. Stay away if you can.

The service from the dealership was great! The financial department through Toyota Financial is the worst! Do not get a loan through them. There are a few people besides myself having so many problems just processing payments through them. They will not take a payment no matter how many times I have called to clarify the info. They say it's paid and everything is good but if you're not looking closely you will find yourself 2 to 3 payments behind. Even though they tell you it all is good, if you're not checking well you won't be. Then you call again to get things fixed and find out what's going on, the people over the phone consider it a means to "collect a debt" making you feel like the bad person. The problem is still not resolved after three months of arguing and attempting to make payments. DO NOT TAKE LOANS FROM THEM!

I would give 0 stars if possible. I paid off my car in December of 2023 in 2 transactions and received a confirmation email stating that "at this point, there's nothing more you need to do" and another email stating that my recurring payments have been canceled (I assume because I had already paid off the car). Then, I receive a check for $9 because I apparently had overpaid on the payoff quote.

We paid our 2017 Toyota Rav 4 off in November 2023. It is February, and after 20 calls to discuss with numerous levels, still no title. They lie, everyone tells you what you want to hear, and to date we still don't have our title. I thought they had to send the title out within 30 days??? If we would have ever been late on a payment, (which we never were), I guarantee they would not listen to our excuses. This is the most pathetic Company I have ever dealt with. I will Never buy another Toyota due to their incompetence, and I had been a customer since 1975.

Tried logging in and every time I do I instantly get a 'verification code sent to your email' notification. Happened several times and when I enter code it then asks if I want to remember my device but THERE IS NO 'YES' ICON to press! So I'm staring at a box that asks a question but provides no way of answering! UNACCEPTABLE!

They would call me more then 4 times a day. I answer then they hang up. Now they called me saying I owe and said they will get my car. Said to her, "Are you kidding me!! Heck no." Said, "Touch this car and I will take Toyota Financial to court." So ready to get away from this place. Worst place to have a car finance. They have no respect for elder, they are rude and don't care.

We have a loan with TFS. I made a payment online and we started getting calls about a late payment... Turns out their system "reversed" our payment. The problem was, they withdrew the money from our account but did not credit it back (per the reversal). Now they say we are behind, but they still have that payment. We have called and called to clear the problem, have faxed bank statements and have received no confirmation of receipt and when we have called there is no record of our fax. When I spoke with one rep on the phone he directed me to the online customer service to enter the documents through our portal but the customer service section of the site didn't work then and has not worked in the weeks since this ordeal began.

I bought a Toyota CHR car with this company 5 years ago. I had automatic payments and now they reported my account as past due affecting my credit score. When I made the last payment they did not give me a confirmation number and I had to demand that they give it to me. Now I am waiting for the title and I don't know if it will arrive in the next 3 weeks. For me, they are shameless. They were charging me more than we owed. The customer service is terrible. They are very rude. This company never helped me build my credit in the 5 years I paid. I do not recommend this place to buy a car.

My husband traded in his Tundra that he got in TX in November to another Toyota dealer in Stone Mountain Ga when we moved. Toyota Financial continued to charge him for a truck that he traded in even though they were told many times we no longer had the vehicle and they paid the truck off. Toyota Financial called his job, our home and were told the same thing by us and when we called the dealer and talked to the finance guy at Stone Mountain Toyota to see what was going on they apparently called them also.

Toyota Financial required documents from me to process an insurance claim. However they gave the wrong information to me to obtain a document they requested. The Maintenance Auto Protection plan document they needed came from their own organization. That document was from their own Toyota Financial office at the auto dealer and not from the bank. The error caused a two month delay for my claim and $700 overpayment as a result. Terrible service. Terrible knowledge. Terrible business. Not recommended.

I’ve been trying to receive my car title for 6 months from Toyota Financial. Twice they’ve sent all my documents to the wrong address. I’m now unable to register my car and my state doesn’t allow more than 2 temporary registration passes. If you call toyota for anything regarding your auto loan, they will purposely make things incredibly difficult. I do not recommend toyota financial services to anyone.

Jacob provided very poor customer service at 11:40 AM on October 30, 2023. He was very catty and rude for no reason. I called to ask about when my car payment was due and he was incredibly ill natured and snide. He should not work in customer service.

I called customer on October 18th, 2023. I had unfortunate accident that caused me to be out of work. I asked for deferred payment for this month due to being out of work due to an accident. The gentleman spoke with customer service tells me I’m approved but it will be my last one for the year. I unfortunately have had some unfortunate events this year. I told him I understood, he went through the whole process and that letter would be sent to my email and one by mail for me to sign send back. Same process as before.

I been a Toyota customer for years, always purchased the gap insurance. And back in June I had and accident my car was total loss. My insurance pay the car, the remaining balance is been 3 months and Toyota don’t pay yet , I call all the time and is always excuses the check got lost or it takes time always something. I recommend don’t purchase this service with them. They are horrible.

In late 2018, I bought a Toyota Rav4 that was brand new and financed with Toyota Finance, but they didn’t give me my college rebate like many other customers because before signing the contact agreement I asked the loan officer, "I just graduated 9 months ago. Do I qualified for the rebate?" He said no because of the time frame but then I found that within 2 years so I qualified and I contacted him to rectify the agreement or give me my rebate but he denied to do so. Then I have contacted the dealership numerous times from the dealership salesman, sales manager, and Toyota corporate office, but they seemed to ignore my complaint that Toyota Corporate was blaming the dealership, and I just want to be fair to myself like others who got the rebate. I feel like they are enterprise scams.

IF ZERO ** STARS WERE AN OPTION!!! The ONLY reason they’re getting one is because it’s NOT. I had a payment of 170 dollars schedule to come out. My check was a little more than expected so I cancelled the payment and made a one-time payment of a little more. I cancelled both in the app AND calling them and received two TWO cancellation emails for doing so. They PROCEEDED to take BOTH payments out of my account. Even though they CONFIRMED to me it was cancelled. And now I can’t afford formula OR DIAPERS for my BABY. And they wanted to tell me, “I completely understand what it is you’re going through. Is there any friends or family you can reach out to for help? a shelter? a donation place” A SHELTER??? FOR A BABY???

I refinanced my Honda a few years back. Chase Bank sent them at check for the outstanding balance ($ 5,356.32) of my Honda that was soon to be refinanced by my credit Union. Toyota claimed they never got the check, however the check was cashed and endorsed by Toyota. Both, Chase Bank & myself fought with them and myself over this matter. Chase had to keep sending and resending the endorsed check to them but they still kept lying, saying they never got the check. Toyota then demanded I pay my next payment due which of course, was total **. Well, eventually they admitted they had been paid but didn't show the pay off on my account for 6 months making it harder to get any kind of loan since my credit report showed that the balance was still due and I had two separate auto loans.

This organization is totally inept. 7 years after my loan was paid off and my lien was not released, despite their records showing that I had paid off the loan. I then requested a letter notifying me that the lien was release so that I could register my car in a new state and then sell it. The person on the phone said I would get a release letter overnighted to me and a FAX confirmation in two business days. Nothing showed up. I called again 4 days later and the person said it was really 7-10 business days. I told her I needed the FAX sent NOW as I sat in a FedEx office, waiting for it. She put me on hold for half an hour as she escalated and then said I would receive the FAX by the end of the day. I told her as I am telling you that this is unacceptable. Toyota Financial is a terrible, terrible organization. Toyota is also going steeply downhill. Go anywhere else!!!

I bought a new Toyota Grand highlander and I have been stuck of not able to pay via the website. I raised more than dozens of tickets with the IT department via the Customer service line. All the replies I got were that they don't see any issues of process the payments via the website. I can't, I simply can't as when I try to add my bank account info or process the payment, I got returned to the Dashboard. In the past 4 weeks, I talked with more than 10 people and no solution so far. I can't believe that nowadays such an issue can stay for so long and not get resolved. It's really killing the moment of enjoying the new car. For the record, I bought another Toyota few years ago and I had the same issues, but they were resolved within 3 days. Now is terrible.

2 years I’ve paid on my Toyota. Now I sent in a 915.00 money order. It was cashed by them and I have proof. I send in my money order the same way every single time. This time they cashed it and did not apply it to my account so now I’m out 915.00. I’ve talked to probably 5 people in 3 days. Horrible company. Will never purchase a Toyota again.

I had to call FOUR times!!! NONE of them said the same thing to me. The first one told me to contact my bank so I did and they could not do what the customer service woman said. The second guy did NOT know what he was doing, wasted my time. The third person claimed I needed proof of payment from my bank. No, I do not. The proof is LITERALLY on their end that I paid my bill. Then she hung up on me. Finally, the last person could actually assist me.

Something is definitely wrong with their online payment system. I was a new customer, made my first payment before it was due. Had confirmation number. Two weeks later the payment reversed. It happened 2 times. Then I made a double payment. All of the information is correct. They called my work place. Unreal!!

I hate this company. I got Toyota Tacoma with finance. My car was totalled, Toyota stole my car from the towing company and isn't giving it to insurance company for to get approved it's totaled and wanted to keep paying for the car.

I purchased a vehicle from Toyota and financed with Toyota Financial to purchase the car. I have never had such a miserable experience with a company in my life. Not only do they not listen to the customer who makes the monthly payments and whose name is on the loan. They also ignore your requests about documents being sent to a specific address on the account. They screwed me out of a total of $611.57 and sent that money elsewhere and say there is nothing they can do to retrieve that money back or stop the checks. I will NEVER do business with Toyota Financial again and DO NOT recommend them to anyone. 10/10 NEVER DO BUSINESS WITH TOYOTA FINANCIAL. Unless you like losing money and having a company that finances you for over 40k ignore your requests. I would give negative stars if it was possible.

I purchased a Vehicle Service Agreement when I bought my 2023 Toyota the end of April; however, I cancelled it the end of June. I was told the refund would be applied to my loan. This was acceptable even though I paid cash for the Agreement. The vehicle was refinanced on July 21st although Toyota Financial didn't record it until July 25th (today I was informed it was recorded on the 26th???). I received a letter dated July 27th stating that the Agreement refund was applied to my loan. As the loan was already at zero, I called to find out where my money was and was told I should receive it in about two weeks. I have had Toyota vehicles for many years and will continue to enjoy them, however, I will not deal with Toyota Financial in the future and advise others to think twice or three times before dealing with them.

I have been financing with them for over 6 years. No issues up until the past two years. I had moved states and needed to get new tags. I sent in all the necessary paperwork and received nothing. This has gone on for TWO YEARS. Now my tags are long expired and I have yet to receive any paperwork, answers, or remedies about the situation. Each time I call, I get a different answer for the holdup. Each time I call I am told they are sending me paperwork via mail, never received anything. I will NEVER use this company again, nor will I recommend them. Clearly customer loyalty and perfect on time payments does NOT payoff.

After being a loyal Toyota patron for 18 year and leased and purchased 6 vehicles. They judge me the Covid time of late payment. And refused to finance a leases payout that was way less than the value.

I bought out my lease over 2 months ago. Since then, I cannot overstate the amount of errors and incompetency on Toyota Financial Services' part. Mailing the title to the wrong address MULTIPLE times. Not including the bill of sale when they finally sent it to the correct one. With all the calls to customer service and today's failed trip to the RMV (couldn't register without bill of sale), this lease buyout process has cost me well over 20 hours of my life. It's unfortunate, because I love the car, but I will never be able to buy another Toyota again because of this experience. Cannot state emphatically enough - avoid working with this company at all costs.

The errors that are on their part are NUMEROUS. They have had my complete payoff for many weeks and I still have no title, no bill of sale and NO HELP!!! You can't get through to anyone with any authority to help, they can only send an email to probably nobody - which they have and guess what? NOBODY answered! It has been a MONTH. I have been avoiding the police since, and because of Toyota Financial, I am driving around on expired tags! The dealership can't seem to help either - and was fairly unresponsive, but the corporate Toyota Financial is the real incompetent entity. REALLY REALLY BAD CUSTOMER SERVICE.

I traded in my vehicle last year due to divorce. My old car was in my ex-husband’s name. We went to Reliable Toyota in Springfield MO to get me a vehicle. They tried their best to get me trapped with a high interest and not worth it for the price. I tried to get an older vehicle that I can afford but they said due to my equity it was better to get a newer car so I ended up getting the 2019 Jeep Cherokee Trailhawk for the amount of $25,000 value but I’m paying $781/month for 72months for 10 % interest with their protection plan (**). That’s a total ripped-off!!! Lesson learned. No matter how hard the situation is never go to TOYOTA anymore!

We bought a car from Toyota dealership through Toyota Financial services. The customer service does not follow up with what they told us they gonna do. This company double charge our account in December 2022 and we requested refund when we found out about it, but we never receive our refund check. On February 24th we requested to apply our refund to the month of February since our autopay did not happen for the month of February 2023 because we happened to change our bank account in their system not knowing that the auto pay will be affected. One month after we requested to apply our refund to the February charge, this company never applied the refund and charge us late fee while they already have our refund money and up to this time they never applied the refund to our account.

My husband and I purchased a car with Toyota Financial. During the pandemic and due to hardship we had to defer some payments. We were always told that the payments would be differed to extend the end of the contract. We maintained great payment history and did not have any payments past due. In February of 2023 we made a double payment. In March we made our regular payment as well as a payoff payment. On March 31st I received a call saying our account was past due. The agent did not know how to explain to me how it was past due. She even said it had to be an error. When I hung up with her, I checked my credit report and payment history was marked as on time in February and all months prior to that for the duration of the account. I called back to see what is going on because we were in the process of buying a home.

I recently purchased a vehicle and Toyota Financial provided me with a credit limit for my downpayment of $2,500. Even though payments were made 2 days prior due date the company would take the payment 5 days after due date in order for them to charge you late fees no matter what. They charged me twice in one month which overdrafted my bank account and they took no responsibility over it. Then they said I was on a 6 month promotional plan and the time was up and they charged me $ 445 plus of interest which I called to put in full and get rid of this company to my surprise the following month I received another charge of $41 something as if the $445 wasn’t enough!!!! This company steals your money DONT TRUST THEM!!!

I called to have my lease extended as we aren't able to get vehicle we want at this time. The Agent went ahead and extended our lease for 6 months. The idiot didn't tell me they were going to remove my banking information from the account and that the auto payments setup for the last 36 months would stop. I didn't notice the payment didn't come out of my bank until I got an alert from credit agency that Toyota Financial reported I was 30 days late. I immediately made payment and setup autopay again but they will not remove the 30 day late off my credit.

This is the worse company I have ever dealt with in my life. After 6 years of leasing a car, I asked for three extensions throughout the years. None of them got put in correctly. One agent said they mailed me the paperwork to sign, which was incorrect, I never got any paperwork. Another agent said, "You don't need to sign." It has been an exhausting nightmare with these guys. Every time you get on the phone with them they tell you something different. Now at the end of my lease, they forget to put the extension in the system so my payments are reported as late. May the Lord rebuke them.

I never missed a payment. At the end of my lease I was to get a refund for overpayment cause my wife pay and the auto payment as well $420. I want the money asap. They made me wait. I called weeks before the lease end. I called and was told three times some would get back to me. They never paid me. I knew it. Scammers. Never buy anything from Toyota. Never missed a payment to them. When it came time to pay me. Nothing.

I never missed a payment. At the end of my lease I was to get a refund for dent and tire insurance. $860. I never agreed to this. I want the money asap. They made me wait. I called weeks before the lease end. I called and was told twice some would get back to me. They never paid me. I knew it. Scammers. Never buy anything from Toyota. Never missed a payment to them. When it came time to pay me. Nothing.

Have an account with Toyota Financial Services (2022 Toyota) and upon calling Customer "Service" at 18008748822 REPEATEDLY OVER SEVERAL DAY, still can't get them to pick up the phones to help resolve an issue with a payment I made. Their phone system is set up to DROP YOU if you attempt to contact an operator, ask a question, need help, etc. and all you get is their awful (limited) automated response system.

I moved between states, and Toyota Financial Services has been incredibly slow and unhelpful in transferring my vehicle's title to the new state. I first called at the beginning of August to inform of my move, but it was not until September that they put in the request to the original state to have a title produced. They do not follow up with me at all, I have to call every week to see the status of my request.

I called TFS multiple times throughout the span of a month to try and get a specific document that I need to register my car after I had moved out of state. They never gave me a straight answer and lied to me about sending it out. Every time I called someone had a different response and no one would answer my questions with a simple answer. After this lease, I won’t be working with Toyota again.

When I purchased my new Toyota from Arlington Toyota in Jacksonville FL in early Sep/2002, the dealer did not say which lender would provide the auto loan. Unfortunately Toyota Financial Services was assigned. I was told there will be no pre-payment penalties by the dealer. Well, it turns-out that this financial company runs a scam to still charge interest from me when I make extra payments towards the loan principal. What they do is move-out the date when the payment is due so that additional interest has to be paid by me. So, next payment was due on Oct/11/2022. When I made a $1000 payment towards the loan principal, they moved-out my auto payment date by a month to Nov/11/2022. This payment I made before any payment was due.

Do not care about disabled customers. I have made payments on time for years. I became permanently disabled a few months ago, and I am waiting for insurance to start paying out. They said nothing they could do because my loan was near the maturity date. No extensions, nothing. What a low-life-sucking financial company. I am selling my new Toyota and changing manufacturers.

I bought a car thru McCall Toyota, and Toyota Financial handles the payments, I was late on a few payments. Instead of a $50 late fee, these morons take $790 from 2 car payments of $400… ridiculous, they are definitely thieves. Don’t ever do business with these white collar crooks. They should be locked up and thrown in jail…. because of their practices.. They took $790 and put it towards interest, and $10.92 towards principal, I made 2 payments on the car… These people are nuts…

Unacceptable response from entire team. Trying to get a title for 4 months. Loss of unit depreciation and Michael ** promised to call back after a 2.5 hour phone call. That was the last of many hours on the phone. He recommended I sue the dealer who leased the vehicle to me, laughed at me, yawned and said I was ridiculous request waiting 4 months for a title that the dealer wants to return the unit. Again, Michael ** assure me he would run this up the Ladder that as a dealer we are looking for a complete buyout or unit depreciation and failed to live up to his promise. Did I mention Michael ** Supervisor from Toyota Financial promised he would deal with this swiftly?

Horrible! Had my car leasing with them. I never missed a payment. When I had an accident and car was totaled my insurance company paid them immediately (less than one month!). However I had overpaid a bit my loan and they owed me a check of a few thousand dollars. That check never arrived!!!! Interesting how their bills arrived but my check (my money!) never arrived! DO NOT WORK WITH THEM - there are many respectable and professional loan companies available. They lied to me SEVERAL TIMES on the phone - that they mailed the check, that check is coming with FedEx, that they will call me back with a tracking number, etc. Never received anything from them and did not receive a tracking number either. Next step is the court.

They keep stating that my payments are always late and it’s going on my credit report. They are rip offs and after this vehicle is paid off I will never deal with TOYOTA FINANCIAL SERVICES AGAIN. They are THIEVES!

They do not release your lien after you pay in full. They do not ensure you receive your title. They hang up on you if you call and close your ticket if you submit a help desk ticket. They say it is your problem if you do not receive your title. Do not buy a Toyota unless you can pay in full. If you borrow from Toyota Financial Corp, you will never own your own vehicle. This company is a scam and very unethical in their practices.

I tried to make a payment over the phone before my automatic payment was due but I didn’t do it in time. Then I was charged twice for the same month. I contacted customer service three separate times explaining the situation. The customer service representatives I spoke with were very knowledgeable and friendly. They returned my money but it took nine days to get my money back with snail mail. Why is it that electronic payments happen in two days but it takes ten days to refund your money? I’ve been in the same situation with credit card companies and they refunded my money instantly.

I'm a current customer of Toyota Financial Services for almost 4 years. I've made my payments on time and many times even before they are due. Over 10 times I've sent in my payment and had to resend it because they were too dumb to credit it to my account even though my name in my account number was on the money order. I was going to pay my car off early but this time these dodoes cashed my money order and didn't credit it to my account. I sent in a copy of the money as proof with their stamp on it and they still didn't credit it to my account cuz they said they have to find out where the funds went. That's not my problem. They cashed my money order they need to credit the $330.00 to my account and whatever they did with the money is their headache not mine. I did my part.

They do not release titles for loan payoffs until you call them many, many times. They have a problem internally processing loan payoffs. They will NOT simply send you title once you finally pay off their Toyota Motor Credit or Toyota Lease loan. You will have to call them over and over to finally receive it. This is illegal as you are unable to sell, transfer, refinance your vehicle without 1) the title or 2) a lien satisfied. It will take a group of us to form class action to get these ** and change their negligence. You will find my complaint is common with Toyota Financial.

Worst service. Overall bad experience with no transparency. It's always hard to get proper answer. Once you pay off, you need to wait for title release for a long period of time. And if you asked them they will not resent the copy of the title but the lean release so you need to go to BMV and get the title. And it all takes more than 15 days to get your mail as they are mailing important document in regular mail without tracking number. None of the representative have proper answer.

I am absolutely sick to my stomach over the way Toyota Financial Services treated me today. I had a very serious situation today over the numerous phone calls Toyota makes to my phone on a daily basis. And had been complaining about it since last year and the customer service agents assured me it would be taken care of. Instead they outright lied to me. Nothing was handled and I paid the ultimate price for it. Which is unemployment. When I called Toyota they kept passing me around to different managers and wrote things on my account that was never even discussed. And in finally the last manager I spoke to blamed me for my situation.

I just want to check with them when will the extended warranty of my car be expired, I have called them so many times since morning until now, almost 5pm, only the receptionist answered my call. And the answers gave to me were “They are busy, they will call you back.” Is it so difficult to return a call? Only worked effectively when they want me to buy their extended warranty!

I paid this car off and the payoff amount was posted to my account on February 7th and my account showed that it was closed. Then on February 10th they took the car payment amount out of my bank account. I called customer service and the representative said the computer system hadn't "caught up yet." I asked her to refund the money to my account and she said the only way they could give me my money back was by sending out a paper check and that it won't even be processed until February 20th. This wasn't my fault, they took money out of my account after my car loan was paid and the account was CLOSED and now I have to wait several weeks to see a paper check in the mail. I won't be doing business with them again.

Called Toyota Financial Services on 2-4-2022 at 10:11 am. Rep. Dian without an ID number from the moment she pick up the call had the WORSE attitude. Was extremely RUDE. She did not want to listen nor hear to what I had to say. If a customer is calling to get information it should not matter what time or day. All employees representing Toyota Financial, Toyota or any company under Toyota should be PLEASANT, GENTLE, MILD SPEAKING MANNER. Ms. DIAN WAS NOT THAT PERSON.

I called Toyota Financial to make my scheduled payment on the 5th of every month (mind you that on the app and website I’m using to do autopay is set up for the 5th of every month but it’s pulling out every 27th). The representative said that he can’t do anything on his side because the app and websites are set up for self service, and that he has no access to viewing or changing my information. Now I’m thinking… Why does this Number exists if you can’t even help me or any caller? If they wanted me to find it out on my on they should have not supplied a contact line. Don’t waste your time calling with these people. They must be make good money by sitting on the butts and detouring loyal paying customers away.

Absolutely not helpful. Company's mistake resulted in my score dropping 80 points after I have been told it would not affect my score. When I called for explanation and them to fix it got no help and no acknowledgement of their mistakes. They were just saying same phrase on a loop. To be treated like that repeatedly in 2022 is absolutely unacceptable.

Never again. Spent too many hours to count, on hold, calling my bank, lies and more lies, 4 months of phone calls, trying to pay my loan off. Saying electronically cashed checks didn't clear when I've got tracing #, the account of theirs, everything to prove payment but the check itself which they ask for knowing that they keep the checks and my bank does not get them back. Asking for merchant reports from my bank to fax them, my bank never heard of this. Then called back to find out now my account shows it posted. Please never use Toyota Financial. You'll be sorry. The whole system is messed up. Workers there must hate their jobs, they lie all the time, only a few will actually do their jobs.

Spoke with Toyota customer service so called Supervisor, regarding a mistake. They processed to be incorrect with my payment my money & called to correct it & all they can say is, "We are terribly sorry. We cannot do anything to correct it." In other words telling me too bad..

I had to write about my bad experience with Toyota, In August 2021 I did lease a vehicle under swap lease and until now I'm paying for a car that I can't drive because of The lack of service with paperwork!!

August 11 I sent a check for $9400 to pay off my RAV4 EV loan. That plus a $440 check that followed was in excess of what was owed. I heard nothing back waiting for a check and title. I called a few weeks later and found they had misapplied the funds. They misread the account number. Fine, they promised in a few days it would be fixed and I would get my title and check.

Some advice: Do not finance your vehicle through Toyota Financial Services. Go through a local credit union or another institution you trust. Here's my story - in June of 2021 I began the process of buying out a lease. With used car prices spiking, it was a great time to purchase and resell, so I was eager to get through the process quickly.

I love my car but will refinance as soon as possible because I cannot deal with shady businesses.

It took TF two weeks to process my lease end payoff. Despite nearly daily calls to their "customer service" reps, they never sped things up. I gave them my express mail acct, but they sent title by snail mail.

You would think that after paying off a car, the title would soon follow. This is not the case with me. Long story short, I paid off my car 2.5 years ago. I have a letter from Toyota stating that vehicle was paid in full. The only problem is they have not sent the DMV or me the certificate of lien release. When I called the DMV, they said it is electronic and they can't send me title without Toyota sending them the certificate of lien release. Of course when I try to call Toyota, there is a long hold. I can't wait 3 hours to talk to a person. Why they don't have a call back system for long waits such as 3 hours, is beyond me. Further, why is it on me to prompt them to do their part? Toyota, great cars, poor financial management department.

I’ve been calling for over two hours, I traded in my vehicle and the dealership wants me to call Toyota Financial Services to let them know since payment is due next week. But no one is answering the damn phone. And it’s been over two hours. What the hell is going over there that they can’t answer the phone. This is ridiculous, when I first call I get the automated system. I go thru all these steps to get a real person just so knows answer the phone and then get lit on hold for over two hours. This is not right. Someone needs to step in and throw down the hammer.

As everyone knows there is a CURRENT global pandemic. I am a Toyota customer and was directly affected. Besides losing my job, I also contracted Covid in 2020. When you have Covid, you can’t go to work until you test negative. This can take several weeks. I spoke to Toyota Financial and asked to make a payment arrangement as I was not working due to the pandemic. They agreed. Little did I know they were going to destroy my hood credit by saying my payment (which was part of an agreement) was late. At the time I made the arrangement, they also didn’t tell me that I can make a partial payment, and this would be ok!

Trust me. Just don’t use autodraft through this company! My local water provider does a better job..., Very disappointed since I love Toyota trucks & cars so much. Shouldn’t have the Toyota named attached to this service!!

I have been keeping a log of the poor service that is provided by Toyota Financial Services. Let's begin with the poor runaround telephone automated system they use. After waiting periods of a stated 21 minutes or 41 minutes I still waited longer. You may ask why did I wait, it is because they applied my final payoff amount of $4,229.72 to another account or could not figure out where they applied the funds. My check to Toyota was sent to Toyota at the end of January 2021 and paid by my bank on Feb. 4, 2021 but they sent me a bill at the end of Feb. for the February payment. That's when I knew something was wrong.

So what you will learn about Toyota is if you're late two or three months but pay on time for the current month they will put that payment towards a late month and report that you have not made a payment for the current month and charge you late fees and mess up your credit. Even if you request said payment go toward that current month, they'll still screw you over and tax on bunch of late fees making it impossible to catch up. I pay another car and they report a month missing if you miss a payment but report any payment for the current month Southland credit Union great financing company. What Toyota is doing is false reporting and fraud. Be careful.

I recently moved from FL to Long Island NY. I needed to register My 2017 Toyota Tacoma. I first called Toyota Customer for instruction. I was told to utilize a standard Toyota letter to present to NY DMV for registration. DMV rejected this. They informed me I needed a “certified copy of the title” & a letter of authorization to register my Toyota in NY.

I have never had so many issues with one comapny as I have with Toyota Financial. In addition to being told different things by different representatives the representatives are really awful to deal with. If you have any type of complaint you can forget getting any help. They are very defensive about their practices and never accept responsibility. They have been terrible to deal with during the pandemic. The deferral process was a nightmare. Then I made an error by not returning a form even though they had told me my deferral was in place so who is expecting a next step but there was and I missed it and now I have been fined by them and had my credit destroyed. I am looking to turn in this lease to a different company. I want to be rid of Toyota for good.

Unfortunately, I had high hopes for Toyota Financial. I figured with their reliable vehicles they would also be a reliable finance company. Wow was I wrong. They denied all covid extensions I needed. My cars got repoed and they threatened to keep my personal belongings. They told the repo yard to not give me my belongings. I had to get the police involved in which the repo yard then allowed me to get my property. Toyota agent kept telling me “I don’t care about what the police says it’s our policy” as if their policy is higher than the law. Very sad. I’m only 19 years old by the way and they approved me for 150k worth of auto loans and my Each of my vehicle payments Were over $800 a month. I will never be financing a vehicle again due to my experience

After paying off my 2009 Camry, I noticed inaccurate late payments had been applied to my credit profile. I submitted multiple disputes, and to no avail, each inquiry would result in more fraudulent and fictitious late payments reported being reported to the credit bureaus. To get this situation remedied and/or resolved, I submitted one final dispute on 12/22/2019. The results of the investigation rendered a delinquent status being applied to my paid off account in full. These retaliatory and predatory lending practices has negatively affected my credit worthiness, and quality of life.

Inept customer service cost me money, time, and stress. Two times SETF sent notification letters to me AFTER a due date. First I was sent a notification that I needed to complete a Lessee Affidavit swearing that my vehicle is for personal use only, not business use. They mailed this notification after the due date for the form. I ended being taxed by my county, which cost me over $1000.

No direct number to live support.. In order to speak to a person you have to blindly wade through an automated labyrinth with no logical rhyme or reason.. Next, you have to deal with people that know very little except how to receive a payment...!!!

Toyota finance did not accept to give me extensions during the coronavirus when I lost my job due to covid 19 and they repo my car while most of the banks give a lot of extensions to their customers, it’s seem to me they making money when they repo the car because I paid 3 years out of my auto loan so all interest rate it’s been paid so if they repo my car they will make the rest of the money right away without waiting for the next 3 years payment on my car, they are such a greedy people who have this policy against their customers. And the customer service so rude if you don’t speak their Alabama accent then they will treat you so bad over the phone and you are not consider to be a human being on the situation we have in our country because they will take advantage on you no matter what’s going on with the coronavirus.

Purchased my 4Runner in Sept. Agreed to "finance" for the $750 military credit. Finally received my notice for payments and website directions. Went to the website to pay off the car. None of the buttons work. All come back as "We are experiencing difficulty. Try back later". So, I try over a week to give them a chance. No joy! So, I use the phone system to obtain my payoff balance and submit that through the website. Get an email noting the payment and that it had been received. However, no evidence on the account online that any payment has been made. Try the "contact us" button - you can fill in the spots but nothing sends. Called and the wait is 30 minutes. So, while waiting I thought I'd submit a few reviews. Feel free to buy a Toyota but DO NOT use TFS. They do not have their act together. Totally slipshod. If it weren't associated with the vehicle I would have posted this as a scam.

I leased a vehicle via Toyota Financial Services, all payments made on time and I had never even had the need to contact TFS over the 14 months I had been making payments on time. Then suddenly and unexpectedly I was laid off. I called TFS to see if it was possible to defer a payment or two until I had steady income coming in. TFS claimed that in order to defer a payment I would need to pay a $150 fee in advance.

Toyota Financial Services was managing my Lexus Lease. I doubt many people will read this before deciding to lease a Lexus. All I can say is that they do not treat their clients well. They are a terrible company with egregious customer service. Lease another luxury car if you can.

I have been a Toyota customer for years, with good experiences with the sales department. I just had a car accident (another driver ran a red light), and my 2020 Yaris (driven 450 km) was a total loss. I lease my cars from Toyota. I don’t drive many miles, and I trade my cars in after 4 years. My new monthly lease payment is always reduced by the equity on my trade-in. The equity reflected in my lease payments on the 2020 Yaris was $2200, though I’m sure Toyota profited more than this. Insurance paid Toyota the full replacement value of my 2020 Yaris, but Toyota is refusing to apply the equity which it enjoyed to my new lease payments, or to refund the equity.

Me and my wife bought a new Toyota in June 2019. We got it financed through Toyota Financial. Never had a problem until July, August and September of 2020. I got a email about my credit report that said that Toyota reported that I was 30 days late on my payment for each of the last 3 months. I sent them proof from my Toyota account that showed every month was paid on time (even tho they can see that) and I sent proof from my bank that showed it. I asked them if they could remove those from my credit report since I showed plenty of proof that it was paid on time. They denied it and said nothing they could do. So now I have 3 remarks on my credit report that dropped my score over 50 points. I’ll probably just refinance my loan somewhere else even if I do have to pay more a month.

My family and I have driven Toyotas our entire lives. The cars are great but Toyota Financial's customer service center is so very horrific (and in every possible way) that I will not buy another Toyota again. That is how frustrated I am. The customer care people don't know what they're talking about. Their automated service is horrific. And there's no one you can write to. They supposedly have an email service, and you write and wait for them to write you back and guess what? An automatic generated message is delivered that basically tells you to call. The call center gave me the wrong information! This is utter disrespect for your customers, to not have a means of helping them! All I want to do is make an international payment and no one can help me. It's utterly infuriating.

Returned a 2014 RAV4 and forgot to include the cargo cover. Called 2 days later asking to return it, denied the request. Receive an invoice in the mail stating it would be $500 to replace the part. Upon inspection on the Toyota parts website, the MSRP on the part is $130 which we would have been happy to pay. Phone rep lied to us, stating that the price of $130 is if you want an extra cargo cover, but the initial part cost them $500. If they bought one to replace the missing one after we turned it in, it would have cost them $130. They said they would review and get back to us. It's now been 4 months of not hearing from them and today we get a call that we still owe $500. Not happening and we're not paying. Reporting this to the BBB. Do not consider Toyota for your lease options.

Be careful of late payments! They have no remorse in coming to take their vehicle away from your driveway while you sleep during a Global Pandemic!!! Score another point for big corporations and another negative for the average person during all this BS!

Zero stars if I could. Worst experience. They misguided me multiple times in the process of getting a lien-release on a vehicle from a prior owner which delayed the process of my issue being resolved, they refused my calls, and refused to let me speak to managers to escalate the urgent matter.

Toyota Financial Services are a bunch of crooks. I had requested an extension on an over mileage payment after my lease ended due to COVID and certain financial constraints. The request was granted, great. A month later I sent them the payment as promised. They called me every day for 5 days straight harassing me and saying they didn’t get the payment. They said they would send me a complete invoice and I have yet to receive it. Unlike other financial companies, they are corrupt pigs that don’t give a crap about what your financial situation despite a worldwide pandemic. Corporate greed is their motto and will do anything to get their money, but won’t help you out when you need it. DO NOT do business with them. Wish I could give them negative stars.

Customer service has inaccurate balances, fees and monthly payments showing on my account for the past 3 months. Nobody can seem to help fix. Left on hold for over an hour today just to get hung up on.

I tried to make a principal only payment online only to be directed to call a number and talk to an agent to make a principal only payment. Ok, I can do this. When I did they still took interest on the payment. I called again to inquire and they said they would put a memo that it was principal only and fix it. A week later and no fix. I called again and they said it would be 10-15 working days for principal only payments to post as such. How can I be expected to keep up with what they are doing interest wise if they delay payments in such a way.

My review isn’t so much about my Toyota Tacoma, although it is the best truck I’ve ever owned. It tows my boat, it’s comfortable for my whole family, it has never broke down on me, and it looks awesome. This review is mostly about the service I have gotten since buying my truck for years ago. I finance through Toyota Financial and last year I came down with a pretty nasty bout of cancer. Without even hesitation Toyota Financial let me slide on about five payments. And then This year with the coronavirus, and me losing my job, Toyota once again without question has let me slide on these last three payments. This is a huge thank you to Toyota for an amazing product and service above and beyond. Thank you so much and I will be buying Toyota for the rest of my days I guarantee you that.

Today 05/26/2020 time: 12.20 pm I talk with customer service. I explain, last month I didn't get statement. I ask customer service help me remove late charge for me because that is not my fault. She talk very fast and say no everything. She look like angry me, talk very loud. I am not happy. Bad service. Niptippog

Since the beginning, I have had to call to make a payment on my car. When I'm supposed to be able to do that myself on the Toyota Financial app, never worked. In the beginning of the year, I could not afford the car anymore, so I'm trying to do a voluntary repo. I went to a manager at Toyota and I've called Toyota financial. I have told both areas that I want a voluntary repo because I cannot afford it anymore, because of me having no job. I believe it has been two to three months, where my car has been still sitting at my parent's house, and they are still charging me monthly payments. After they told me they weren't, and that they would put a hold on the account.

They lie and give you wrong information and they told me that I have a grace period to pay and don’t honor that. Then they tell they close at centennial hours and they lie about that too so be cautious with what they tell if you don’t have it paper then is as if they said nothing otherwise you will be like me and get hit on your credit report for their misled information.

Anyone who has a Toyota Financial account will know this all too well. First off, will never buy a Toyota again. First off, every 30 seconds you get locked out of the online system to make a payment. They give you 5 minutes to get your code number and then sends the emails 1/2 hour later. When you get someone on the line that's ** and they hear a ** person, they keep on lying left and right. They keep lying saying online payments take 5 days to process which is an outright lie. Every time you want the account unlocked, they are more interested in stealing the money. You ask them to unlock the account account. They go back to waiting the payment. You hang up and there's an hour wait time. Hang up again there's a one hour and half. You waste your time with this company and the games they play.

Prior to purchasing my vehicle, I did copious amounts of research. I saw that cool, they have a military rebate for those who are retired. Note: the website states specifically that retirees are eligible for this discount, regardless of time separated from service. Good deal. I brought this information into the dealership with me, and go figure, there's so much more red tape to that rebate. Apparently, toyota.com and toyotafinancialservices.com are two totally separate entities, and while it even states on the toyota.com website that you must be credit approved through Toyota Financial Services (TFS) in order to be eligible for such a rebate, TFS has something completely different available to them. You must be a retiree with two years out of service... so naturally, like any other consumer, I can only go off of what is available to me on the public website.

Please run away from this company. Easily you can be on hold for 50-60 minutes and nobody knows what they are doing. They send a wrong statement which resulted in overpaying a month. A whole month and still waiting for a refund check, spoken with 10+ people and still nothing is been resolved.

At this point, especially after reading other similar reviews. I don't know how this company has not been raided by the FBI for financial fraud. I have now contacted via phone and email for a month about a 4500 principal payment I made. Keep in mind they do not have an option where you can pay principal online. This is the only financial institution I have ever dealt with where you cannot pay principal online. You have to call that in or submit via message support. I have now contacted the 7x over this matter and every time I get the same answer. Please allow 3-5 business days. And every single time they do not apply the payment. This company is greedy and all they want to do is collect all the interest possible!! Everything is well documented and they still don't care. They just tell you what you want to hear but never do it. I believe this company is trained to do that as most corrupt companies do.

I wish I can give them 100 Negative Star. If you want to payment your principal they will apply toward your future installment to force you to pay interest. For Little issue I call them 10 times. Every time new Story. Steal my payment for principal reflecting in my future installment. They are big Cheater. Purposely they do to earn interest by hook & crook. I will never deal with Toyota in Future.

Toyota Financial Services as a corporate entity works fairly well but when something goes wrong and the customer needs special service, it can't handle it. I recently received a text saying they had not got my February payment. I usually don't need to pay any attention to this as I have Toyota set up in my bill pay system to respond automatically when the ebill comes into my bank's system. I immediately called my bank and they had not sent a payment because they had not received an ebill! So I called Toyota to pay the Feb bill by credit card so that I could see what I could do about future bills later.

My family and I have been long time customers of Toyota. Most have been financed through Toyota Financial. Every time there is something we need help with, customer service never seems to HELP. They always tell you what you already know and they stay quiet waiting for you. Today I called asking them for help because the payment I sent out wasn't received at their facility. We currently have two Toyota cars that we are paying and one had gone through in time so we are expecting the other to be paid as well since the payments are sent out at the same time.

Called Toyota Financial for payoff support and was received with a very rude customer service representative named Alex. I'm not sure why he was so abruptly rude as soon as the call started. Was on hold for 30 minutes before I actually spoke to him. After being rude, I requested to speak with a supervisor and he put me on hold. He came back to tell me that they were with other customers. I requested for a call back and to continue to be on hold for the supervisor. After 5-10 minutes he disconnected the call. I called back and was put on hold for 30 minutes. After 30 minutes, to what sounded like a pick up call from a representative. I was once again hung up on.

Turned in my lease a week before it was up. Decided to not get another Toyota at the time because of the cost. Well, two months later I get a negative credit report saying I am almost 60 days past due on my bill. I called Toyota and was told sorry they never closed out my account when I turned in my lease. They did contact the credit bureaus and fix the error. Then several months later I get a bill from them telling me I owe them reimbursement taxes on fees they paid to Virginia during the time in which they accidentally left my account active.

I've been using Toyota Financial for years and I will no longer use them or Toyota ever again. They cost me 80 points on my credit due to an error with the dealership and my billing address. Mind you I set my vehicles up through Toyota Financial Autopay. I've done this with my past 4 leases with them. Apparently they don't care about their customers as no letters or phone calls were sent informing me of late payment. Garbage. I'd highly recommend looking elsewhere for financing.

Their system had a glitch or something, charged me twice, one day and then on the next day again, I called and they said "we still don't see it in our system so we can't stop this payment". Then a support specialist just closed my written case with no explanation of why the charge occurred, just said "we helped you over the phone, this case is closed". But they didn't help or resolve anything, wtf. Totally ignorant staff at their support center... I'm still talking to them to find out the reason of this glitch.

Toyota Financial Services made it very easy for me to lease a Toyota. And all went well with a few bumps until the end of my lease. Then, for some unknown reason, the website refused to accept my payments for the final few months. This required a call to TFS and a very frustrating, really very very frustrating phone tree. It takes forever to get through to a real person. Finally, there is a real person. Many apologies; problem solved. Until the next month when the payment is rejected and the whole process is repeated. And again the next month. Finally, I called to see about buying the car. I only wanted information since I had not yet lined up the financing and I certainly WASN'T going through them again. They immediately sent out the paperwork which was nearly expired by the time I got it.

Rude customer service regarding customer service with multiple mistakes on service for three cars. I would put the lowest of the lowest, do not use at all. They make multiple mistakes attaching payments to the account. Come out with daycare children excuses. Representative do not care if customer is happy or satisfied.

I will never finance any Toyota again with Toyota Financial as they have made so many errors regarding providing me with a clear title for my 2019 Toyota Camry Hybrid which is sitting in my garage because the registration expired and I am yet to obtain title to the car because of their numerous errors. When they submitted the title to the DMV to clear the title in my name when I fully paid off my car loan it got bounced because they failed to pay DMV adequate registration fees. After this error even though I paid the car off in full they then put the wrong name on the title so even though I paid the loan off in full I am still unable to register and or drive the car due to Toyota Financials's numerous errors. I have never had this problem before with any other finance companies obtaining a clear title in my name after my loan pay off.

I have Toyota after I leased a vehicle from them. They steal my money. Their customer service reps have 0 professionalism. I talk to them more often than I talk to my mom. They pretend to pay my fines and tickets (which they don't), then I receive late payments fines from local DMVs, pay them all personally, and Toyota claims I owe them money too. This company will rob you, DO NOT do business with them.

I have leased several vehicles in the last eight years through Honda, Chevy, GMC, and Toyota. I have nothing against the vehicle. I actually loved that Toyota Rav4 but we needed a larger vehicle. In July 2019, we turned in the Rav4 a couple of weeks early. I asked the man who took the keys if we had any charges or fees that we needed to take care of and was told "no".

71 mos ago financial process went smoothly. It was at the end of the contract, being overcharged on last payment. Customer service nonexistent. Rep Shannon rude, unprofessional, Posed an inquiry she rudely responded by repeating information I already knew, no assistance whatsoever. Two other inquiries were met with the same response from Shannon. Not even an offer to escalate the issue, Contacted another office, customer care manager was supposed to call that same day or next. Ms. ** called 4 days later, after business hours.

My two-year old Toyota Corolla was totaled on June 17, 2019. Toyota Financial posted payment from my insurance company on July 24, 2019. It is now Sept. 24, 2019 and Toyota's total loss department has yet to close out the claim. I have gap insurance. They told me today that it will take another 3 to 6 weeks to "cancel my warranties" from Toyota with will then provide me a partial refund. This partial refund will be applied to what I still owe on the car but since I have gap insurance I should not still owe anything. I have had to continue to make monthly payments to Toyota since the crash (as of today I have made 4 payments) so that my credit will not be dinged while Toyota Financial tries to do what they are supposedly professionals at doing.

I have had 7 Toyotas in the last 13 years. The first 2 were purchased and financed through Toyota Financial, the last 4 were leases also financed through Toyota Financial Services. Let me start by saying all of the cars were great. Excellent vehicles. The purchases were problem free. The leases have been 1 headache after another. It's shocking to me that this is even the same company. The vast majority have come from property taxes which they have no idea how to bill correctly. In the last 3 years I have spent upwards of 15 hours on the phone with customer service trying to straighten out problems which they created. Time after time I was assured they were corrected, apologies were issued over and over, and a month later we had to go through it all again.

Toyota Financial has terrible customer service. I have leased two cars from them for over 5 years. They are just terrible. When you call customer service and complain they do absolutely nothing about it. They don't even write it down, they fake listen. They don't tell you they will take care of it, or anything like that. They ask "is there anything else". I have requested change of titles because I move yearly. They ALWAYS give me hard time about it, and lie by saying they are going to send it to you, but they never do. They want Motor Vehicles to request it, but Motor Vehicles want them to send it. The battle starts then and the customer is in between.

I WAS Toyota customer since 2010. I had three lease terms of 36 months. Two Orlando Florida 2010-2016 with the leasing of two Corolla 2011 and one Corolla 2013 one Rav4-2013 and one 2016-2019 in Toyota East Coast NJ leasing 2 Rav4 2017. Last June I went to the Toyota East Coast and ask for two new Rav4 2020. I was offered a price for lease $440 ($3000 down) and after a long battle with the dealer, it came to $390 ($3000 down). When I went to VW for VW Tiguan I was offered $275 ($3000 down) for two. I went Jeep of Teterboro and I was offered $219 ($3000 down) for a Compass and $319 ($3000 down) for a Grand Cherokee Laredo with all extras I asked for.

I bought couple call from them but I have so bad experience with Toyota financial company. My car got crash six month before and my insurance paid off all the money for them. They still did not take care of the car yet. They’re moving so slow. They are getting money so fast but they don’t take care of you in the way have to be. I would recommend for everybody don’t trust them. I will never going to trust him again. And from past three months I’m trying to reach them they’re not answering the phone. Every day more than an hour waiting on the phone for them to answer my call but they don’t answer that just saying they’re busy.

Toyota Financial closed my account after a payoff was submitted (early on a Wednesday), processed my payment, then informed me through an automated message days later (Friday night of the same week, long after Toyota Financial was closed) that my bank payment was rejected. Since the account was closed, however, I have no way whatsoever to access my saved bank information to determine if there was a routing number error, account error, etc. Due to the late timing of the automated message, this means that Toyota Financial notified me of a serious account problem, but left me no way at all to attempt to correct it until their call center opens again after the weekend.

I leased my first Lexus GS 300 the first year they came out, 1991. Since that time I have renewed my Lexus lease for a new GS 350 or RX 350 9 times, the last being a 2017 RX 350. Additionally, I began leasing Toyota Tundra Crew Cabs about 12 years ago and have leased 4 Tundra. That makes for at least 13 Toyota/Lexus leases since 1991. All lease payments paid on time, every time. In September of 2017, Hurricane Harvey flooded our home and we did not have flood insurance. After two years of repairs and losses, as well as a divorce this Spring, I fell behind in my payments for three months. All the accounts were frozen during the divorce proceedings and cash was scarce.

LFS and TFS have system billing issues and CS issues. There is a small corp to address escalated issues. Their execs allow the abuse. I am going into arbitration but we need to get a class action against Lexus and protest outside their HQ. Contact me at **.

I made a large payment over the phone but it never posted. Well for nearly a week it didn't. I ended up going online and making a bank transfer to pay off the balance in full. The next day the first payment goes through so I call TFS and was told that the overpayment would be refunded to me through a check. So 2 weeks later I still didn't receive the refund so I call TFS and at first they didn't see the overpayment which was over 10k$. Was on hold and they finally found it. So my issue is. I had to call and request a refund for my money which I already had informed them about 2 weeks prior. I literally just loaned them over 10k and they had no plans to return it to me unless I complained about it and request my refund. If I owed them 10k they would charge me interest and now they had the intention to just keep my dough until I asked for it back. Shameful...