Toyota Financial Services Reviews

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...

Filed a complaint with the FCC. Thinking about hiring a lawyer. I'm shocked that there isn't a civil lawsuit already against these pigs! I have phone call recordings & paper trails that are screaming proof of errors on their behalf. Regardless of my fault in the matter, or any procrastination that was made on my end, none of the above is even close to measuring up, having been compared to the gross incompetence that was displayed by MULTIPLE reps. I asked for a hardship from my $320 payment in February of 2019 due to my fiance losing his job, among other unfortunate circumstances that are too private to share. It was granted, withdrawn, then refunded.

They are the ONLY company I've ever dealt with that Intentionally OMITS on monthly invoices the date Late Fees are charged. So you don't know if it's after 10 or 15 days that they automatically charge their outrageous $32 late fee. Every car loan, mortgage, student loan, line of credit, credit cards, etc etc State on the invoice WHEN (how many days) a Late fee is charged. Not Toyota Finance as I'm sure they're making a Killing, big Profit on Late Fees. Seek Alternative financing if you don't want to be deceived!

Hubby gets paid every other Saturday. Our due date is 21st. If I pay it on Sat. the 21st, Toyota says we're late. If 21st is on a Sun., and I pay it on the 20th, two days EARLY, Toyota says we're late. What right does a company have to say you're late when you paid on time or early? It's 2019; why do they refuse to acknowledge payments made online during the weekend? Don't EVER want to finance through them again!

Toyota Financial Services is at the very best a completely incompetent and at worst a downright predatory lender. I have made three payments since May 2019 on time. According to TFS, they never got them, and are now demanding I pay over a THOUSAND DOLLARS upfront this month or they will repossess the car. I have sent them bank records and statements proving that the payments were made on time (early, even!) with TRACING ID NUMBERS. They still refuse to credit my account! I've spoken with the bank personally to make sure that the payments were made! This is unacceptable thievery on their part. If I could describe Toyota Financial Services in three words: AVOID! AVOID! AVOID!

I have talked to 6 different people here and they all say something different. This is without a doubt the worst customer service I have ever gotten. I truly don't understand how they can be THIS bad!

I was happily leasing a Lexus through them (and I'm still a current customer). I have paid always on time, as I'm on autopay. Their site, btw, is user unfriendly, and it's hard to set up an autopay, but I did it. I turned in one of my cars after the end of the lease, everything was fine. 8 months later, I get a collection letter!! They claimed they send me a final bill once before (never got it, otherwise it'd be no problem to pay it). Then they turned me in to a collection agency! WTF?! They never even tried to reach me once! I get bunch of their promotion stuff by mail, email and otherwise, but this never attempted even once? Their collection agency (based in Philippines) SUCKS!! They don't answer the phone during normal business hours and their website doesn't take any of my good cards I use regularly. I'm stuck now. "Thank you", Toyota for a great "friendliness" and customer "care"! I'll remember this for a long time!

I don't know where I would be without this company. They have helped me with my payment throughout my medical problems and unable to work. No other company has ever cared as much as Toyota Financial Services. You are never judged at any point during a conversation. They make you feel like no matter the situation you are in they are there to help you every step of the way. I appreciate Toyota for everything. I will give 5 stars today, tomorrow, and always.

I have been with Toyota for going on 5 years now and never missed a payment. This month I ran into some financial hardships and asked to push down a month. After speaking to three representatives and a supervisor no one was able to help. How is it that after all this this of making payments one time and never having any problems with my account, they can’t do this one thing? Super unfair! Will not be getting any more cars from them!

Ok I paid the car payment on the 19 Friday. Today it's Tuesday 23 and this company haven't posted the payment. I need to know why this company continues to mess up my account and discriminate against me. This company it's not good. No one helps. They steal your money. If the car got a problem they don't do nothing to help even with warranty. Stay away.

The experience was wonderful. The loan was great. Almost 0 interest rate. The customer service was great. Troubleshooting was fantastic. The car was exactly what we wanted. The loan went smoothly. We chose to take a 5 year loan.

Toyota offered 0% interest with great credit. This was a huge deal to me so that I could save every penny I earn. They are easy to work with. Made my account available online, so that I could see all my transactions, estimate my payoff balance, and easily make payments. At the end of the loan, I had questions about how/when I would receive my title. They answered right away and explained to me the next steps. I would love to work with them again.

If you create an online profile in a financing website you will see how much is outstanding balance and how much your pay goes towards interest and how much towards your principal. You will never get those information in this shady company. Toyota is big company and they are not supposed to do this kind of low level techniques. Also when you click payoff it won't give you details, it will take you to another page where it will say, we give this offer that offer etc..

Toyota Financial demonstrates the same quality and stature of the merchandise they represent. I have little to no contact with the finance company. The one time I did interface with the finance company it was pleasurable, prompt to my benefit and resolved within a timely manner as expected. I do now and will in the future recommend not only the product but their finance company.

I was able to qualify for 0% for 72 months - hard to beat, if not impossible, but need pretty good credit. Negotiated the deal for over 30 days but the financing was awesome! Toyota of Boerne was my dealer on a 2019 Toyota Tundra - great truck!

Company works with a rewards loyal customers. I compared other lenders including local credit unions; to that end Toyota was extremely competitive. At the the time the best option for me was extended loan payment. This may not be the best option in the long term but I needed the lower monthly payment according to my budget. My only criticism would be with the push of unneeded, unnecessary warranties on top of standard coverage. For instance “Bumper to Bumper” is a real ripoff- because it never applies to anything the consumer needs.

It was 0% interest--you can't beat free. Contacted financing by phone on a few occasions, and customer service was very good. When car was paid off, title was shipped to me promptly and the item was off my credit report immediately.

I've purchased several Toyota vehicles over the years & always used Toyota Financial Services. I possess a credit rating generally over 800 & my loans with TFS are approved immediately. One can source all the info they want on the TFS website. You can track your payments on each car you have financed. There are no pre-payment penalties as I always pay off early. Works well for me.

Fantastic customer service. They really care about their customers. I'm on my 2nd loan with them and everything is going smoothly. When I needed to change my due date (a couple of times), it was very easy.

We decided to move out of state and retire a few months after we financed with them, I called them and gave them all the information about our move. They changed our info right away our address, even our insurance company changed. We just continue to pay our payments on our app each month. We decided when we get another car we will go with them. Believe me we had some nightmare banks before who said we didn’t have car insurance so they added it on! We have never in 47 years of marriage not had auto insurance!! Anyway they have good customer service reps who do their jobs well.

I think the loan company itself has very good customer service whenever I contact them and they tend to be very informative when I ask questions. I like that when I talk customer service I usually get my questions answered. For the most part they just service the loan.

They don't properly apply payments and even when you show them the canceled check they still insist they did not get the payment. A complaint with the US Consumer Protection Agency finally got their attention and they admitted they did have the payment and mis-applied it. Even when properly posted, payments are always late being posted and then they claim YOU are past due. Never will use them again.

Paid off my loan 4 month ago but still didn't get my title. The customer service team on the website told me they sent the lien release electronically to DMV and asked me to wait, but months later I found out that DMV didn't receive the request at all. I submitted further questions about this three times on the Toyota Financial Service website, and they just copied-pasted the previous answer - not even corrected the typo in it!

Living a nightmare with Toyota Financial. I bought a Toyota Prius 2016 from Larry H Miller Toyota Lemon Grove in San Diego last year and sold it this year. After that I canceled my Toyota Auto Care and should receive back U$2.905 dollars. The thing is, the dealership says they issued a check to Toyota Financial and that they should cash the check and write me a new one and send me. Toyota Financial says that the check was for me and they received it and forwarded to me and to a wrong address. So now one says that I should call the other one, and the other one says that I should call the one. I am in the middle of this situation not knowing what to do and they don’t care at all. The only thing I can think of is that they are unprofessionals and incompetents. And the only thing that I can do and will do is to hire a lawyer to resolve this issue because I waiting for this check for 3 months and I am tired of waiting and calling them.

I leased a 2017 Rav4 and overall had no problems with the car and completed my lease agreement with no issues. A couple of months later my autopay function I used for my payments accidentally forwarded an additional payment to TFS after the contract was closed. I've called and faxed proof of this transaction multiple times and their answer is always, “We have no proof and you need to prove it.” although I have sent proof many times. They're just hoping I get tired of calling them so they can keep the money. It's too bad I have been a Toyota customer for over 12 years but TFS has ruined that for Toyota.

We have leased two vehicles through Toyota, and at the second lease ending, we decided to purchase a car. We turned in our car, and it was in excellent condition. The car was very clean, and was 4,000 miles under the lease limit. Two weeks after we turned the car in we received notification that we owed $381 dollars for a disposition fee. The disposition fee was charged to help cover the costs to sell or dispose of the vehicle. We were told by our salesman, when we leased the second vehicle, that this fee would not be charged on our new lease. The salesman that told us this no longer works at the Toyota dealership, so there is no one to appeal to about our case.

Poor customer service experience has resulted in two missed payments and a negative impact on my credit rating. On account **. I fully understand now that enrollment into the automatic payment system takes several billing cycles to become active, however this stipulation was never explained to me when I opted to enroll in it. This oversight and poor customer service experience has resulted in two missed payments and a negative impact on my credit rating. At no time during the previous billing cycles was I informed that my payments were past due, nor that I was delinquent. When I spoke to customer service representatives about this oversight I was told that I was contacted but I have no phone records, electronic correspondence, or physical correspondence indicating such action was taken.

Updated on 06/28/2020: I've had nothing but trouble with TFS. They lose payments and insist they don't. When faced with proof (cancelled checks) they still deny they ever received the payments. After filing a complaint with the U.S. Consumer Protection Agency, they admitted that they mis-applied the payment, but they had already listed my account as past due. Whenever I submit a question on-line, they simply close the ticket without ever responding. That has happened several times. Clearly, they cannot be bothered to help customers. I will NEVER, NEVER deal with them again.

I was pretty happy with Toyota Financial Service for years. I am leasing a car. My nightmare started when I moved to different state due to my job. I am sure I am not their first client who they put through unprofessional service. Since they are FINANCIAL SERVICE they must have certain procedures to follow in cases like mine. I contacted customer service and request documentation for registration. There were no signs that customer service rep has any idea what exactly need to be sent to the state of Washington. They fax me whatever documents and I find out on DMV that Washington state, I bet not only one, requires ORIGINAL TITLE to register. I received a warning from police and notified by License Department that I should register my car in 30 days, if not - I will pay penalty $3000.

Dear Toyota, I requested at the beginning of April that you please change my debit order date, you agreed. You still deducted my installment on the wrong date AND charged me for it? Also, you never recalculated my debit order amount as requested. The fact that you still charged interest for the debit order change but you never changed the debit order speaks volumes of your customer service processes. Had there been no money or at least not enough in my account when you deducted my installment this month, who wouldve paid that interest? Obviously not you.

I am in the process of moving to Hawaii. As part of the process I am required to have a notarized letter from the lender authorizing the move. They informed me that they cannot do this since my move is not a result of job change or military transfer. I have been on time with payments and pay more than the minimum. There are no changes in my finances. This seems a bit ridiculous.

In 2015 we leased a 2015 Toyota Corolla. We had it for 3 years and then when it was up we got into another lease. They are charging us $500 for a "cleaning fee". I can get my car now detailed several times for that price! DO NOT lease through them. They just scam you of your money.

Their site says they will refund you in 30 days. This has been a joke. I submitted the correct paperwork on Dec 22, 2018 to cancel my VSA and GAP warranties. I no longer own the vehicle. I have never gotten my checks. I have called since Feb 11, 2019 to see where my checks are. I have agents I have spoken to and their ID numbers. I get told varying things from my checks wherein some "exchange system" and need authorization to be cut since my account has been paid off, my checks are in the mail so they are so sorry I haven't gotten them, so they will cut new checks and overnight them. The overnight story was 3/29/19. Well... today is April 16, 2019. I have YET to see my checks that total $3400. DO NOT BUY THEIR WARRANTY. DO NOT.

Purchased a 2018 Toyota Camry last October. Paying all payments promptly with one in advance. When paying with "Principal Only" on my check they keep charging interest on "Principal Only" even though regular payments are current. When I contact them they run me around in circles before fixing the misapplication. Their customer service is utterly maddening to deal with.

I have returned two leased cars to TFS. The first one they sent my bill to collections after only sending me one statement for payment. The second car I returned they are saying there is damage to the roof and provided me with blurry photos that show absolutely nothing. If I ever lease a car again (which I most likely won't) I'm gonna photograph that thing top to bottom so they can't pull any of this BS on me again. They say they are going to look into this matter but in the end I will most likely have to pay as I don't want a $150 BS charge to hurt my credit.

This is experience with Toyota has cost me money and more importantly my time. I have been dealing with a mischarge on my account for 6 months and continuing til now. They charged me 1500 dollars more on my final lease statement. The mistake was they didn’t know I signed a 45,000 mile lease and I was charge access miles for a 30,000 mile lease.

Their service is a big scam. They sent an email for posted payment on 6 March. When I accessed my account I have seen the payment is due by 22 Feb and charged me late fee. I see they did this many times. I will call and ask explanation.

I have called Toyota Financial Service twice, to request that they send my bill every month (I'm trying to pay off my RAV4 as soon as possible). I received the worst customer service today from an agent named Rosa. She said "we didn't sent your bill because you have made several payments at once." I told her "I know I have but I'm trying to pay off my car as soon as possible". She said there was nothing she could do and refused to let me speak with a manager and mentioned that if I wanted a monthly bill I have to call their financial dept every month and request a bill. If you ever buy a Toyota, which I don't recommend, find another financial entity such as your bank but don't do business with Southeast Toyota Financial Services.

Updated on 03/28/2019: The process began February 28th. All our work was in order. Now on March 25th a balloon payment issue is still not resolved. And the 5th excuse (count them 5 different reasons given), the 5th excuse for being unable to close the account properly is that they close it but it magically reappears and they just don't know how. I have been told no less than 4 times that I would receive a return call within 72 business hours. To date -27 days and counting - no one has called me. Avoid TFS at all cost.

Save your time and money and don't do business with them. All the messed up stuff, pay off your can and their site showing it's paid off and the account close. Two months later with no mail, no release, or title has been received when called they said, "Oh yea we will release it now and you have to wait for another 6 weeks" and I have a friend had received a wrong title. It's not a financial corporation. It's rather a pawn shop running by stupid people.

Our 2017 Camry was totaled in November of 2018. Since then we have been TRYING to deal with Toyota Financial Services, which is extraordinarily poorly run. They never "received" faxes from our insurance company. They told us they needed a breakdown of the check from the insurance company, a check they have cashed. They didn't receive this breakdown, which had been sent multiple times, until a customer service rep gave me her PERSONAL fax number. Then when they got the breakdown they told us they needed an evaluation report from the insurance company. I would suggest people NEVER FINANCE THROUGH TOYOTA. They are abysmal to put it mildly.

I financed my 2017 Toyota Corolla through Toyota Financial Services. I also purchased GAP insurance through the dealer. Well, thanks to some idiot not watching the road and slamming into me, my car was declared a total loss. I contacted Toyota Financial Services and let them know the car was declared a total loss and that I had GAP insurance and was collecting the information required by the GAP provider. They informed me that if I did not continue to make payments on the car, that I would be turned over to collections. They KNEW that I had GAP coverage and that it would take time for the claim to be processed, but they DEMANDED that I continue to make my regular monthly payments and threatened me if I did not make them. They are throwing responsibility on the GAP provider to reimburse me for the additional payments made after the date of loss.

I financed a Rav4 many years ago, after reading some of the other 350+ negative reviews, I'm so thankful I didn't allow them to have access to my checking acct and auto pay themselves. I took out a 5 year loan. After 2 years or so of making on time payments, I had the opportunity to pay it off early. I called to get the exact payoff amount and they said it had to be in before midnight the next day to avoid extra interest charges. Since my bank was closed that day due to power failure I had to send in 13 money orders. After waiting very patiently for them to send me the title almost one year later they sent me a bill for $1,000. For three years straight I kept getting a monthly bill for $1,000 every time I called and nobody can tell me what this bill was for.

I paid off my car over 6 months ago and TFS refuses to contact the state that my car is titled in therefore I am unable to get a title for the car that I OWN. I have called over and over again to get this resolved the representatives can’t seem to figure what the problem. Now they tell me that my car is titled in a state that I have never been in! The last representative told me since my account is closed they can’t help me. Very poor business practices. TFS is preventing me from getting the title to my car.

Really bad company to do business with, customer service representatives are really rude and unprofessional, they don't care about their customer. HOW can a company like this exist is beyond me. A couple days after making my last payment I tried to log in into the account to be welcomed by this message "Your account has been deactivated. Please contact customer support." Do yourself a favor STAY AWAY FROM THIS GUYS. They are the worst finance company and they are all criminals. These guys will report late payments EVEN IF YOU PAY ON TIME. BUYER BEWARE.

After 5 months since I'd turned in my leased 2016 Toyota Corolla to the Toyota dealership in Culver City (CA). I received a phone call at my workplace from TFS. A TFS agent informed me that I owed $1333.55 to Toyota Financial without any other details. It felt very much like a scam, so I hung up and I called Toyota Financial myself and start questioning the customer representative. She located my account but still wasn't able to tell me what I was being charged for. She mentioned "repo fees", then "early termination fees", which didn't apply at ALL in my case.

I got an a accident with a drunk driver is how it started. This happened on January 13 2018. I've set in multiple packets of paperwork to get my GAP claim started. Nothing has been done. They "havent received anything." They said the insurance company has to contact them. While this insurance company is not my own. The company name is ESIS claim. They are as bad if not worse than Toyota Financial. I've called them, emailed them. Nothing. So Toyota Financial stated until they contact them or they receive the paperwork they can't do anything. So my account is collecting interest on top of this claim. $1500 for a unpaid amount that I can't even get fixed.

Do not use Toyota Financial. We have leased a car through them for two and a half years only to find out after two years that they weren’t withdrawing enough from my account for my payment and charging late fees which we were never informed about until I just happened to look at our account one day. No messages, no letters or no emails.

I turned in my leased RAV on April 2, 2018 (and took a lease on a newer vehicle). Dealer told me to contact TFS for a tax rebate form. TFS CSR told me I needed cancellation receipt. I obtained that, and called TFS again. CSR told me to contact the dealer. Told her I had already done so. CSR finally agreed to transfer me to someone who deals with "End of Lease issues." Then she dropped the call. A few more back-and-forths and I finally reached the LES Department on July 17. Was told "process was starting." Checked several times with Tax Collector; nothing received there from TFS.

Leased a Camry for 20,000 miles per year. I have the paperwork to prove the 20k contract. Getting bills stating we are over the mileage and owe them money based on 15k per year as they state. I have the paperwork; second time they are making mistakes with the paid mileage. Poor business tactics. Poor customer service. After 7 Toyotas we are finished doing business with them.

Twice they took 2 payments from my auto pay after vehicle was paid in full. Three months after numerous calls, rude customer service including Jamie a supervisor I still have no resolution. Further today Jamie tells me I will receive a bill 3 months later for excessive wear in amount of 535 dollars. The car was under mileage limit and there was no damage. They hire a independent company to view car. What garbage to tell someone three months later and vehicle wasn't inspected until three weeks after I turned it in.

DO NOT USE TOYOTA FINANCIAL! I have been having the same issues with them for the last four months. I have a savings account I use to make my payments and I keep getting told insufficient funds notices, and now I'm months behind on my payments, so I go to my bank and the money is in the account. The bank informed me that Toyota is running the request as a checking account and not a savings account - even though I tell them every time I call it's a SAVINGS ACCOUNT! These people are useless - no one knows how to fix my problem and it's basically like I'm trying to throw my money at them but they don't want it and now I'm in default because of the errors their team members make. If given the option, I would give them the damn car back and move on.

I bought a RAV4 in 2016 which I absolutely love. I financed it through Toyota Financial. Last month they started a new policy where any extra payment goes to interest only and if you want to have the payment applied to the principal balance you have to call them. You cannot call at the time that you make the payment. You have to remember to call them a few days later after the payment posts. There is usually a long wait on the phone to talk with a representative. This is incredibly inconvenient. This policy is to discourage customers to pay off their vehicles early. It is very unfair! I would not recommend Toyota Financial to anyone. Better to finance through a bank.

I bought a new Toyota Corolla in Southern California. When I signed my contract they mentioned about a clause they have where you pay extra on your loan and if you have financial issues down the road they will give me a grace period until a certain time so I signed up for it and after I lost my job I called them and let them know what's happening. They stop letting me make payments on my vehicle. I would get a confirmation number that my payment was made then they would reject my payment so after thinking I'm current on my payment I get called about my gate is locked and a repo man is at my yard. Well in California they are suppose to send you a notice by mail so I thought there was a mistake so I call up this crooked company and let them know there is a repo guy at my front gate and they told me well I'm 4 months behind on my payments so I asked them where my money went.

Do not buy from this organization. I have spent hours no kidding, trying to give them information... They could not find my account with the contact information they provided on an earlier call. Go somewhere else if you want to avoid aggravation.

I had to file bankruptcy at the end of 2017, I continued making payments on my Scion xB for as long as I could. When I fell behind they sent me a letter saying they would be coming to pick up the car, this was in July of 2018. They finally came yesterday December 10th and towed the car. My mother had been driving the car since December because she did not have a reliable vehicle.

Submitted paperwork 10/9/18 for refund of ext warranty & maintenance plans. Have had to fax 2x same paperwork to them to have checks reissued in correct name. Still have not received refund after being lied to about checks being sent overnight.

Toyota Financial has been a nightmare during a very difficult time. My father passed away on Sept 12th, 2018. Unfortunately. He had a leased car, which I had no choice but to take over. Insensitive & slow the staff at Probate; I started the process of transfer late Sept; today, Dec 5th, I still don't have my title transfer & docs to take to the DMV. Meanwhile, my father's registration is due on 12/18 & if I don’t get the docs, I have to pay his without evidence of ins, to not face late penalty, which means going to DMV twice! They made multiple mistakes: 1) mailed me partial docs, 2) mail docs to wrong (typo) address; 3) Finally FedEx the docs. I’ve been on top of it, but they work at a pace of a snail. Bottom line: Don’t lease a car. Don’t lease from Toyota. Think about what might happen if you die because whoever takes over the lease will go through a hellacious process with a group of jerks!

The website is not user friendly at all. My #1 complaint is the inability to process a principal only payment. Toyota will state that you are paying to principal yet they reduce your next payment due. This does not actually save the consumer anything on interest. This is a very sneaky and underhanded way of Toyota gathering extra interest from customers. If you call their customer service line you will have to educate their employees each time on what truly is principal reduction and plan to spend at least 30 minutes per call. Finance with someone else if possible.

It’s the biggest joke to deal with this financial service, if you can don’t finance anything with them. Nobody knows their job. Has been a year that we requested a lien release and now that we are selling the vehicle, DMV STILL have a lien on it. And 2 hours later, nothing has been done. Horrible horrible company.

Previously bought 4 Lexus - just sold Toyota Avalon 2003 and buyer notified me that there was lien on car. I called Toyota credit and they could not find my vin # even though I could find it on website. They said it would take up to 1 month to investigate. Spoke to supervisor who was of no help. I will take car back from buyer who thinks I am thief for selling him car with lien. Called Kars4Kids to donate car and they could not accept it because of lien. Shame on you Toyota. Will never buy Lexus or Toyota again.

I recently purchased a Toyota Avalon Limited Hybrid from a great dealership. I went with Toyota Financial for the financing because they offered a slightly better interest rate. When I filled out the contract I was told that payments would be twice monthly and begin on a specific date. I was also told that I would be contacted by Toyota Financial to set up the payments. After approximately three weeks with no contact I contacted the dealership and Toyota Financial. The phone prompt system asks for an account number which I had not received, as I had not yet been contacted by Toyota Financial. After numerous phone calls to customer service, being placed on hold for extended periods of time, and then being cut off after a certain period of time passed on hold, I finally found someone to look into my account. It turned out that my first payment was due in five (5) days.

Fraudulent charges, privacy breach, extortion and intimidation - My family and I've been having Toyotas since 1991 and hadn't had any problems until recently: on 11/13/2018, after 5 months since I'd turned in the leased previously-used 2013 Toyota Corolla to a dealership, I received a letter from Alltran Financial stating that I owed the money to Toyota Financial for 'one or more of the following charges: unpaid lease charges, mileage and/or wear and use over and above that allowed by your lease agreement', and no specifics.

I am enrolled in Autopay, first, so as not to miss any payment. Second, to have peace of mind and be stress free. However, I still received a text message that my account needs attention and call the 800 number. So I called. Their system said my payment is past due. This is not good, it gave me stress. I asked for a live person to talk to. Her name was Jaime. She explained to me that it's because the 10th this month of November 2018 (my due date is the 10th of every month) fell on a Saturday, they are closed, banks are closed, so my autopay was processed 2 days after.

I bought a new 2012 Toyota Corolla, I made every single payment. I am a single mom, and I have worked my butt off to make sure I pay my bills on time. I purchased two additional vehicles from the dealership and always make my payments. I was very loyal and committed to using this company. The vehicles by the way are wonderful!! I was on my very last payment of the Corolla, I was so proud of myself, I typed in the amount I owed which was less than the quoted car payment because I always paid more than the minimum. Somehow, either there was a website error or I read the amount wrong, but I paid less than the final amount. No one contacted me until this Monday 11/3/2018 and we agreed it must have been some type of error being I have paid every payment why would I pay $143.00 too little for the $26,000 I had already paid.

I leased a RAV4 from Toyota. It was my 3rd Toyota lease, the first 2 were Tacomas. I was always told if I continued to purchase/lease Toyotas I wouldn’t have to worry when the lease ends. So when I turned in the RAV4 I got another Toyota. About 9 months later I received a bill for excessive damages to the vehicle that totaled over $2000. The vehicle I turned in was well under mileage and in exceptional condition. They sent pictures of the damages but you literally couldn’t see it. I’m never gonna pay it. Don’t care what it does to my credit because I have no interest in financing anything ever again.

I've had a 2009 Corolla and now a 2018 RAV4. I've been dealing with TFS for over 2 years now and their payment methods are horrible and not transparent. They've sent payment confirmations on payment that weren't made and had my account fall behind and affect my credit score, which made it difficult to get the RAV4. Now I'm at making my first payment and I had to make it twice because they didn't authorize the first two and there is just no explanation. The rep herself even suggested to use my own banking site. The app always locks me out of my account and I can never get back to my account overview if using my mobile device or desktop computers. I have no idea who is programming their site, but I can say after 2 years and these technical issues affecting my credit report I wouldn't suggest this company for making payments on your vehicle.

I bought a Toyota in 2017 due to hail damage on my previous vehicle and the dealer suggested I go with Toyota Financial Services because they had the best rate at the time. Big mistake! I had Security Services on previous Toyota and they were great lenders. If I am one day late on my payment they start sending me text messages etc about my account even though we are supposed to have a 10 day grace period. I am going to see if I can find another lender to take over my loan and will never suggest this company to anyone!!!

I bought commercial vehicle ** in 2016 and took the loan from TFSIN rs 4,40,000 for 48 EMIs 12170/. I paid 11 EMIs and till December 2017 I didn't pay any for last 4 EMI and surrender my vehicle to Chanchal **. He promised me that when you will able to pay 12170*4 then you can take your vehicle. After 3 months I arranged 12170*4 but that time Chanchal ** ask me for 12170*7+27000 for leave my vehicle. I paid all amount 1,11,000 to Chanchal ** and took my vehicle. He parked my vehicle in a bad manner because the vehicle was not in working condition when I took from there. I complained about the same to Chanchal as well as Toyota roadside assistance.

When I leased my RAV4 in 2016 I was expecting that all the maintenance would be included in the lease, it’s not!!! I put over $2000.00 down plus a car, I was under the understanding that all I had to do is keep my agreements and at the end of my lease just turn the car in and all is good. I’m in my last year of my lease and just found out that I have to pay for the last two maintenance and they’re not cheap, one is $180.00 this month and the other is just before the lease ends and that’s a whopping $300.00 and change. Then they tell me I have to pay another $350.00 to restock the thing back on their lot... so at the end of my lease I have to come up with almost $700.00 and on top of that I have to make a down payment on another vehicle???

I been a customer since 2015. Owns Toyota Sienna and Toyota Highlander and I never missed any payments since then. I am sending this complaint because I am really frustrated with your Titling department. I been requesting a title transfer since beginning of October. I explained to the associate Evony (id - **) DMV is asking me to bring a certified copy of the title, and letter of permission from the lien holder and the next week when I called another associate Bree (id - **) told me they can't send a title since I requested the title.

I was late on my payment last May and since then I been having calls from collector. Now my credit is getting worse. I been paying before the due date and still calling me and harassing me. Toyota has done nothing to stop and now I am going to file a complaint to the BBB. If you planning to buy a Toyota don't let this people finance it. Go somewhere else.

My husband and I leased a 2015 RAV4 and were told any mileage under the 36,000 we would receive credit for as an "asset" in the vehicle. I am 3,500 miles under and now they won't honor it. Then we were told (in 2015) that we had maintenance for the "life of our lease". So, imagine my surprise the last time I brought it for routine service and it cost almost $180.00.

TFS does NOT care about you, your situation, or any factors that loyal customers have which most companies would gladly extend a helping hand. After a bad storm and a mortgage company dragging knuckles on issuing disbursements/inspections to get repairs complete, I've been having to pay out of pocket to protect my home from further damages until my next disbursement is released. I asked for a two-month extension based on just barely having enough to cover all bills while getting my house repaired. I have had this loan for 2 years, never missed a payment, or never late and I was denied my request. Then the rep wants to say that I can be late as long as I pay the amount before my next due date but there might be charges!

I moved one month before paying off my car loan from TFS. I received a document saying that I need to call them directly for my title due to the recent move. I called and was told to request a duplicate title from the previous state DMV through my new DMV. Submit paperwork and receive notice a few months later through new state's DMV that it can't be processed without the original title being requested and processed by the lienholder. Call old DMV and was told that TFS needs to request the original title first before I can ask for a duplicate. Call TFS ask them to request title and they say ok, and I get a repeat notice that I paid off my lien in the mail, which I explicitly said is not what I needed. And still no title. Try all over again by go through DMV of both states. I cannot request a duplicate title without the original title number, but TFS can fill out the form and request it for me.

Horrible experience, with Toyota Financial Services. The European lady that answered the phone, sounded like she was having another conversation with another person, because she was giggling or drunk when she picked up the phone. And I had to repeat myself over and over what she was asking. She got done verifying me. I asked for my account number, since they never sent me a statement and she wanted me to provide my bank account number or sent my payment Western Union. I told her I wanted to make my payment online. She asked additional questions such as my job where did I work at, after verifying and asking me at least 4 questions already. She asked for the dealer where I got the vehicle and finance which I provided and she just kept going.

Toyota has to have some of the most untrained employees I have ever had to encounter. I called for a simple refund. That call turned into 6 more phone calls, where they tried to keep my money without my knowledge, chose not to honor the payment arrangement they encouraged me to set up with their representative. The to send the very refund via paper, and sent it somewhere else. Every time I called I received new information, received different information. I would have figured that refunding someone was company policy 101, should have learned policy, rules in their first few weeks of training as well as phone presence.

I will be contacting every resource or reporting agency I find in relations to TFS. I followed step by step instructions to Payoff my loan/lien on my 2015 Tacoma. I specifically opted to pay off my loan through their online instructed option that would require them by law to release my lien to the VA DMV within 1-2 business days and restrict them from "holding" it for the "standard 10 days"... This option would "expedite" the title/lien release. To do so the payoff amount had to mailed "overnight" via CERTIFIED CASHIERS CHECK to their Chicago, Illinois address vs the "Carol stream" address. I did exactly as so. I included the authorization form to release the title/lien release authorization form I printed from their website. I paid $40+ to utilize overnight shipping services. They received and cashed my cashier's check as confirmed via bank and TFS via my initial inquiry.

I paid off my account in advance. I was told by customer care if I paid in money order they will send my title early. That didn't happen. I set up FedEx account and provided them with the account to speed up send my Title through Overnight express. One week after they come back and tell me that they goofed up and send it though general USPS. I spend several days and effort talking to customer but it's all wasted effort. After they get their money they don't care about customer.

Literally the worst customer service ever. They kept telling me a rep from technical services was going to call so I could PAY MY BILL! And of course no one did. I wish I could just stop paying since they make it so difficult.

They charge every dime at the end of the lease. I arrange to pay, I paid my first payment. Never received the second statement and I find out they sent it to a collection and damaged my excellent credit history... The customer service staff are rude and close-minded, even I spoke to the manager. I never going to a deal with them and don't recommend to anyone.

Horrible!!! No notes taken on any of my 20+ calls. Made a payment after a total loss at the request of their department in order to make sure we had no issues with GAP. Assured that we were to be refunded that payment. 2 months later I get a different answer from every rep talked to!!! Never using Toyota Financial EVER again!!! Stay away. Needless to say 3 months later I'm still out of a payment made after the total loss.

We purchased our 2014 Camry Hybrid at the end of our lease in 2016. At the end of 2017 we needed to sell it and placed ads on various sites to sell the car. The buyer that chose to buy the car was from another state and claimed to be a dealer. He said that he would pay our loan off in full through TFS and any overage of such payment would then come from TSF to us. This was at the end of January 2018. TFS does not do Wire Transfers and instructed us to have the buyer send them a certified check DIRECTLY. Which he did. TFS told us via several phone calls that the check received directly from the buyer was received and processed. They said that it was OK to turn the car over to the buyer. We waited at least a week (due to weather conditions) to allow the buyer to pick up the car from our home address.

To write my experience in short, do not sign Toyota Finance Contract. Don't regret, have a peaceful life. Hidden charges, you'll be locked, can't even pay in advance, if you want to pay your loan earlier, you have to pay termination fee +... +... +... It's like a rope in your neck.

Worse place I have ever dealt with. Almost purposeful in their inept customer service and website management? Said I could change my payment date so I put it back 6 days to match my monthly check. I start getting late notices after the old date comes around so I make a payment. Still says I did not pay the next few days. Customer Service says the payment needs to be processed? They have all of my bank info and I have the truck in my driveway. This is 2018 I don't get it? I could of purchased a TV at Amazon from a stranger and received instant credit there and had the TV shipped before TFS would give me credit for a bank transfer payment.

I purchased a new, 2014 Corolla on 12/13/13. Price of the car, with taxes, fees, etc. came to $18,916.35. I put $4000 down bringing the total to $14,916.35, however, stupid me took out the "extended warranty" for an additional $1,563.13. The contract says BALANCE DUE ON DELIVERY: $16,479.48. This total, as explained to me by Priority Toyota's financial person, is supposed to be the TOTAL amount of my $288.36 monthly payments for the five years I had to pay. Today, I have paid 53 payments or $15,283. 08 which leaves the balance of $1,196.40. I want to pay off the car.

Whenever I contact them regarding a late payment or anything regarding the account, they say they'll "note the account" and then the next day someone else calls the secondary on the account rather than the primary and yells at them and threatens their credit, etc. When I call to talk to them about this they constantly interrupt and belittle me in their manner of speech, as well as continuously ignore what I'm saying. They are the WORST company I have ever worked with and I'm currently looking for the best way to get out as I have a lease. I do not recommend anyone going with them ever.

Returned my 2nd of 3 leases from TFS and was charged for bogus additional charges for the 2nd time. The 1st time the dealer took care of it and said that happens all the time which I thought was strange. This time they are charging me for damage that they say was done to the vehicle to the tune of $750.00. The vehicle I turned in was completely fine and I was actually thinking of purchasing it. The dealer looked it over and said nothing. The vehicle was inspected by TFS 2 days after I dropped it off so if something was done to it or if someone else drove it and damaged it, I really don't think I should be responsible for this damage or have to prove it wasn't me that did it.

I returned a leased vehicle back to Toyota on 03/13/17. I received a bill charging me for the disposition fee, sales tax and property tax (this was prorated for the entire year). I paid the full amount for the disposition fee as well as the sales tax, but I called & asked on how to move forward with the property tax as I returned the car mid-March and was being charged through December. I was advised to fax over proof of the cancelled plates and that this would go through the abatement process. I did exactly that, and verified with TFS that they received all the necessary paperwork, and was told they had.

I leased a Toyota and turned in the vehicle about 9 mo ago. I received a letter from a debt collector in the mail earlier this week stating that I owed TFS an additional $412. I already paid the $700+ they made me pay upon turning the vehicle in, and I have no idea where this $412 amount came from. I never once received a letter from TFS stating that I owed them additional money, so you can imagine my complete shock upon receiving a letter from a (sketchy) debt collector. I called TFS (after multiple phone calls and many long, long wait times), but they said that my account has been closed and is being handled by their "business partner" and they are unable to answer even a question as simple as why do I owe them additional money and if they even sent me additional notices stating that I owed them the money, because I did not receive any.

BEWARE: EITHER TERRIBLE TFS ACCOUNTING SYSTEMS OR THEY HAVE BEEN HACKED. TFS automatically deducts my car lease payments from my checking account. (I never pay them directly online because their website is the worst financial website I've ever tried to use--and I use many.) Every week during the month of April 2018 I received calls from TFS telling me I owed TFS money. First it was ~$40. The next call, it was ~$90. Next they told me I hadn't paid my March 2018 lease payment. Each time they called, I was on cell in the car with no access to my accounts.

Toyota Financial falsely reported me as being late on a payment. This caused my credit score to drop 100 points. When I sent them proof that my payment was not late they still refused to take off the late marker on my credit report. Toyota Financial has horrible customer service and lacks integrity.

This company has been an absolute nightmare! When my lease matured and I decided to purchase my vehicle from Toyota I mistakenly made a last payment that wasn't necessary. They screwed up my account six different ways! For instance, they sent me two refund payments and then claimed that I was overdrawn and that I owed them money even though I told them I would not cash the check that had been sent in addition to a digital refund! Every time I talk to someone they are very pleasant and say that the issue had been resolved until a few days later when I get yet another call with yet another bogus issue! I'm not surprised they have such an extremely low rating! They are god-awful! If I can, I will figure out a way to pay off this loan with another company, because these people are horrible! Amazing that they're still in business. Literally the worst experience I've ever had with ANY company, and I'm 60!

I was out of job so I was lagging on Loan payment. I told them that I will pay off when I get job. I have paid 4 years, it's the last year going on. The person from Toyota Financial says: Borrow money from your Friends or Get money from 401k or go to church and borrow money and pay the car loan. That was very shocking to hear in country like USA.

Pay payments on time. Every month receive calls from all over the country. The 4 months they had the due date the 4th, it should have been on the 27th. Ruined my credit. They apply extra payments to the front of the loan instead of the back. And didn't tell us. It was all confused! I will never use Toyota Finance ever again.

We purchased a car at the end of October 2017, but had an issue insuring it due to an error with the DMV (in California, you can wait up to 30 days to insure a new vehicle). While working on the error with the DMV, the car was stolen and then totaled at the end of November. We filed a GAP claim, and finally, after several times of submitting and resubmitting the same documents along with almost daily phone calls they finally resolved the issue at the end of February. Then, in March, Toyota Financial gets notified by the tow yard that they needed to pay 900 dollars in storage fees and pick up the car or let it go to auction at the end of March.

The agent on the phone said she could take a payment on the phone with my debit card and cancel my online payment. She ended up charging me twice and after fighting with the company for a refund, they reviewed the phone call and decided to send me a refund. Weeks later, no refund, and said it was processing. Weeks later, they said they are not sure what happened but my refund will be now cut in half. A phone call later, the payment was said to have been credited to my account. After checking my account, no payment was posted and my refund of $1400 is just simply missing and no one will help me or tell me the truth about what is going on. No words can describe my anger and dissatisfaction with this company after purchasing 2 new cars!

A salesman in Toyota of Lewisville TX told us that Care extra packages could have been taken from the original contract. We went back to the dealer to remove it, they did but the monthly payments did not changed (we got a $3800 refunded to the principal). We called Toyota Financial Services later on to inform them of this. They said the monthly won't change. OK send the wreck to pick up the car. We can’t afford the payment anymore... A representative OFFERED one time only deal, to lower the payment, she got an approval from her manager. We started making the NEW payment amount but Financial services kept on calling that they were sorry that no one can make such deal. They sent a letter notifying that the vehicle is going to get repossessed... Should I try and call them again, get an attorney? If anyone can advise me what to do in TX I will highly appreciate the help, thanks.

On line purchase of Travelex Ins. seemed to go well. Will not really know until if/when we need it. Plan is clearly defined online, and had no snags in buying it. Sent in a previous review, but that was in error. It was for Toyota Finance, which did not go well, not Travelex. Please ignore the previous review.

I started my GAP claim in January and three months later nothing is done! I call and call and there’s always something else they need! Why couldn’t I be given everything needed upfront or even after my lien holder sent them the first 7 or 8 things requested numerous times! They also gave me the wrong form but waited 6 weeks to tell me! If I hadn’t kept bugging them nothing would be getting done, in the meantime I’m still making car payments! It’s a absolute joke, I recommend finding a different GAP company!

I had leased a car from Toyota in 2014, at the end of lease I moved to a different city and was returning car there. At the time of pre-inspection I did not had additional key and manuals because they were in my house in a different city. I asked the inspection guy, "Should we reschedule" and he said just make sure to return the keys along with the car. I had the keys and manual shipped to me before I returned the car and return the car with everything.

Leased a Toyota for 4 years, made payments on time (even early) each month. Turned in my leased vehicle and got a new car so I filed a Excise Tax Abatement with my town, who needed to send the check to Toyota Financial first since it was a leased vehicle. I have been chasing Toyota for over 2 MONTHS NOW to get my abatement check. Horrific customer service, called today again for a checkup and they stated they needed another 2-3 weeks to send payment and separate it from another payment sent to them. Umm, I don't think so - there should only be one check from my town for the abatement, nice try. ARE YOU KIDDING ME? And your customer service reps really lack tact and professionalism. If I don't receive the check by the end of the month, I'm going to contact the BBB.

I purchased my 2015 Toyota Highlander back towards the end of March 2015. At the time I also had another Toyota RAV4. I have been dealing with nothing but stress with this company when it comes to my car payments. When purchasing the car, my payments were due per contract on the 25th of every month, since I had a different date for the RAV4 payments I asked them to change the due dates to the end of every month (this was back in 2015) so I can both cars together the same dates. I filled out forms and it was supposed to be done.

Absolute painful. Every month I have an issue. I am never able to simply log in and send a payment without a certain amount of delays. Every time I have to call into customer support. Reset my password. Every time. It’s ridiculous. So I call and wait to speak to personal. Explain my issue which never gets addressed or fixed even though they mention your phone call may be monitored or recorded. How is it that Toyota can make such a nice dependable vehicle yet their TFS is nowhere near the quality of their automobiles. It is extremely upsetting that every month I have to call to make a payment. I’d like some sincere return feedback regarding this issue. I love my Tacoma but absolutely hate TFS.

I purchased a 2018 Toyota Corolla about six months ago and financed it through Toyota Financial Services. I had some extra cash and wanted to make a payment toward the principal, to reduce my future interest payments. The payment forms do not allow us consumers to specify payments only to principal. That's odd, as many installment and mortgage loans do that. So I called and made a $2,000 payment toward the principal over the phone, through a bank transfer. The representative said it would applied to principal. I made sure of that. Of course, two months later I learn that the payment was not made exclusive to principal. Some of it was used to pay interest. I got the run around from one representative at Toyota.

I leased a Toyota Rav4 for three years. When my lease termination date got close, I followed all the instructions provided by SE Toyota Finance. I made my last payment via auto withdrawal, got a glowing review on my inspection, and turned in my lease to a verified SE Toyota dealership. At the dealership, I asked if I needed to sign anything or do anything further. They assured me that everything was "good-to-go." After I turn in the vehicle, I mailed the odometer statement to SE Toyota Finance to verify my return.

Don't ever use this company! We went a year without one single late payment, and always ahead and when we were behind they would not help with pushing one payment to the back of our loan. We were behind and they kept sending us delinquent notices and then repossessed our car only after two payments behind on the due date of the second payment. This is the worst company in the most ridiculous financial service I've ever financed a vehicle through and would never use their services again. Out of all the money that we have paid them. And on top of that their finance charges are ridiculous. If you are late then your entire payment you can kiss goodbye cause it will go to their interest charge.

When I purchased my used Toyota last week, I wanted to finance it for 24 months. When the paperwork was completed, the term of the loan was 60 months. The finance specialist told me that I could just pay it like a 24 month loan. What she did not tell me that there is no way to make principal only payments online. Any extra amount paid would go towards the next month's payment. I spoke to someone at TFS and was told that I would have to mail the payment to a different address to make a payment on principal. From reading some other reviews, who knows if it will work! I am so frustrated that I think I will use a balance transfer check from a credit card company to pay off the loan. At least then I can pay it off early with no problem!

I have had a Camry financed with them for three years. I have ran into some hard times the last couple years but if you talk to them and explain they will help you as much as they can. Just six months ago they let me skip two payments and of course I still am responsible for the interest but that doesn't matter because it saves my credit. Then today I am again 27 days behind I ask for help as I have missed work due to being sick missing work twice two weeks ago and then this last week I got the flu and have missed a week. I told them what was going on and they offered to help me again. I had offered to pay the one payment, even though this would have taken every dime I had but the guy said if I want they can let me skip this late payment and the payment due this month. Which I think is a wonderful thing to offer me. So if you have a problem they are there to help you if you just be honest with them.

I previously had a car with TFS. Upon trading it in they completely messed up my account. Apparently the person working on my account couldn't read the notes and tried charging me almost $500 for a set of keys I had turned it. Too damn lazy to try and clarify the notes and just figured I'd pay. Wrong. Stupidly I purchased another Toyota and financed through TFS. I have moved and need my registration. I did exactly what they told me to do back in October 2017! The end of January I called and they said, "Yes we received it." I said, "Well, did you process it?" Which really should have been a stupid question but, she said No! I said, "Well could you do that?"

It's such a hassle calling Toyota, wait times are incredibly long. In most cases they don't fix the issue and you have to call back again. I have also been trying to get my truck registered in the new state I live in without any success. Since I can no longer use my truck because of this, I think my next call will be to inform them that they can come pick the truck up. No point in paying for a truck that can't be registered.

Turned my car in early on a 39 month 60k mile lease with Toyota Financial. Paid as agreed and one month later got hit with a $200.00 bill to clean a seat. Sent a letter to Toyota arguing that they could have contacted me and I would have cleaned it for free. In turn, rather than responding they sent me to a collection agency. I spent hours speaking to people at Toyota and Toyota Financial. Finally googled the email for the President and other exec officers and it was nearly immediately waived. Make sure to have someone check your car over when turning in a lease.

They have the absolute WORST customer service. I've been waiting almost a month for a refund check they were supposed to send me, every time I call, I'm on hold for a MINIMUM of 15 minutes (no joke) to which they tell me it's because of the high call volume (so hire more workers). They then proceed to tell me that before they send any refund check they automatically wait 10 days before doing anything then once the process finally starts it can take 15-20 business days to finally get it to me. Mind you we live in an age of direct deposit and even without that it should not take 20 days for an envelope to arrive in my mailbox, I don't care if I lived on Antarctica. Bottom line is every question I asked about why the process was the way it was they would say "I'm sorry sir. That's just how it is", absolutely unacceptable.

I have never been late on any payment in the past 20 years. I have an 800+ credit score. Out of nowhere Toyota Financial Services placed a past 30 days due mark on my credit report. I pay my bill on the last day of every month. I never received notice of a late payment, I never paid a late, nor did I ever receive a notice that they would be reporting my account to a credit bureau. My score has dropped nearly 100 points in one month. I will be suing them for punitive damages for violating the Fair Credit Reporting Act which requires them to notify me before placing a mark on my credit. I have owned Toyotas since 1998 and always financed directly with them. I will never buy another Toyota again.

I called Toyota Financial Services. They have the worst customer service reps ever. I was on hold for 30 mins. Not happy about that but they are a big company so maybe they was busy maybe for 30 minutes. The first rep I talked to felt the need to talk to me like I was stupid. When I asked to speak to his manager he said the manager was not available, then he said the manager was off. After I told him I want to speak to his manager's manager he transferred me to some lady I do not even think was a manager because she was not professional at all either and made me feel like my well earned money should have been spent on a Honda or maybe a Chevy. They refused to answer a simple question and make me feel like they don't care about customers after they bought. I am disappointed in Toyota.

They also have poor customer service and mostly they are tired. I am not happy with them since they try to get my money.

Never again will I buy a Toyota. I just want a copy of my lien closure. I waited on hold over 30 minutes three different times last week. Finally they had a FedEx account to "overnight" this to me. Three business days later I still do not have it. We live in a digital age, this is not that difficult. Tonight I waited on hold for 20 minutes to be dropped so now I have to start all over. THIS IS STUPID! Toyota you just lost a customer.

I have automatic payments set up online, but noticed my last payment did not automatically come out several days after the due date last month. I went ahead and paid 2 month's payments in advance just to be safe, and have been trying to call customer service for over 3 weeks to make sure nothing negative is reported on my credit report, but keep getting disconnected with a message "We're sorry, our office is closed. Please call back during normal office hours, Monday thru Friday 8am-5pm local time."

I have had the absolute worst experience with Toyota Financial Services' customer service department. Since day one of my agreement with Toyota things have been unclear. The customer service representatives have absolutely no clue about payment histories, fees, etc. I will admit to falling behind on payments to the extent that my car was repossessed after four years. However, the process of trying to get it back (which I have been doing since the day they took it) is absolutely insane. I accept full responsibility for falling behind on payments - life happens, but I have the money to get it back and have had it since before they took the car. Toyota will not send me a copy of my payment history and I am only met with condescending tones when I try to ask questions about where my payments are going - to the principle or just interest and late fees??

I've leased from Toyota for over a decade, and not only was my last lease -- a Rav -- the worst car I've even driven, but the financial side of the company has ensured that I will never lease from Toyota again. With my lease about to expire, they've constantly harassed me for the last payments, and when one payment was ONE day past due they called me at work threatening to notify credit bureaus. My final payment is due Jan 5, 2018, and today they called threatening me again (at work), with credit reporting. The payment is not due for another ten days. I will pay this final payment and thanks to their financial services, Toyota has lost my future business for life.

Our written audit and payoff statement requests were ignored by Toyota Industries Commercial Finance thus hindering us from paying off our vehicle. For example "Please provide a written response in regard to ** audit request." ** requested an audit of the account so that we might have proof that the error has been corrected? We have requested this on Nov. X, Nov. **, Nov. **, Nov. **, Dec. X and today, the Xth of December of 20**. Another example, "The Nov **th payoff statement provided to us today on Dec. Xth does not reflect our X payment." ** requested the payoff statement twenty-four days ago. ** has made a X payment and waited twenty-four days for this incorrect payoff statement that was provided by TICF today. Our payoff and audit requests were ignored until the consumer protection bureau stepped in on our behalf.

I have leased 4 vehicles from Toyota. Recently, I have had two leases at the same time. For the last year they have been applying payments to the wrong account. I have continually had to call and have the payments transferred from one lease to the other. The problem is that I have to do this every month. When I forget - big trouble. I have had three late payments on my credit. I am NEVER late. I have e-mails and screenshots from their website with proof. However, even after supplying these items, Toyota refuses to remove these from my credit report. NEVER EVER buying a Toyota again!!!

What I mean is that once an error is recorded in the bits and bites of the Toyota Financial Services (TFS) machine, it will hound you and bill you and chew on your financial standing until the mistake is corrected by a concerned human being, and even then it could take months to stop this pest. Here's my story. May it be of some use to you: I purchase a 24 month lease on a 2016 Camry LE Hybrid in October 2015. The Camry was pre-inspected by a TFS agent around October 20, 2017 and returned it to the dealership of origin on October 30, 2017, the last day of the lease. In mid-November I received a voicemail message from TFS, which I ignored thinking it was a business offer similar to those I received during the Summer.

My name is Kathryn ** and I leased a vehicle through Toyota Financial and decided to buy out my lease mid November. My tags expired on November 30th and I have still yet to receive my lien release information so that I can go get my title and tag/register my vehicle. According to your representatives the information was sent out to me on November 30th. I called on Thursday and spoke to a rep. who told me my paperwork was in a Topeka post office and was delivered on the 4th of December to that post office. He gave me a tracking number and I called the post office (waited on hold for over an hour) and the post office told me that the tracking number I was given was for a package that was going to someone else and at a different address entirely. 

WARNING - Do not pay your car loan in advance if you have car loan with Toyota Financial Services (TFS). Here's my experience. My payment is due every 28th of each month. I set up my account in auto pay every 28th of each month. One time, I made a payment few days before the 28th. Guess what? When the calendar reaches the 28th day, TFS charged my account once again. I end up making 2 payments in one month. It drew my bank account negative and have to pay my bank overdraft fee and my other bills because past due because my available fund was taken out by TFS. IT WAS A NIGHTMARE!

Car was returned to them after 2 years of lease and only had $13.7K miles. Car was resold within a week. At the time of return Toyota representative didn't provide any concerns about the condition of the car. Several weeks later Toyota sent me a bill with excessive wear charges. They were very rude on the phone when I tried to negotiate this issue with them.

We have been with TFS for 10 years and never had a late payment until recently when I accidentally put a wrong letter in our new Toyota account which is paid thru our bank online and the first two payments went to the wrong account. Because the car is in my husband's name, his credit score has dropped drastically due to a mistake I made. When it was brought to our attention from TFS, I made the correction and the payments were made to the correct account. We were told we would get a reimbursement of the money that went to the wrong account.

Alright! Here we go... To start I get a (New) Toyota auto (for sure #1 big mistake) loan. Now, This is with a fixed rate and payments are the same amount each month. OK - No big deal! That's what I wanted - Even the Finance Dept. Mgr. said it was fixed rate and the payments would not fluctuate in which they don't. Cool! Now on the other hand I have been paying on this loan for a little over 2 years (@ $508 monthly) and to my surprise when I check my credit report (boy what a shocker) I find that the balance of this loan is not correct!!! The original loan balance started out with everything included title fee, tags, interest, etc., $25,531. I would think my balance after paying $12,168 so far on this would bring the balance down to $16,363 ( $25,531 - $ 12,168= $16,363) Is the math not correct? I think it is. So, Now I have a balance of $22,006 otherwise Toyota is reporting that I have paid only $6,525 this is (BS!!!).

This is outright robbery. Toyota Financial Services intentionally continues to take out auto payments when the lease is over. I refinanced the vehicle through TFS two weeks ago and they still took out a payment that wasn't even due!!! Where is the CFPB when you need them? Stay away from this shoddy company!!! I will be contacting the CFPB next. You should too!!!

I paid off my loan in mid Aug 2017 and expected to receive Lien release. When contacted reps at Toyota Financial services they told it will take 15-30 days. After waiting till mid Sep 2017, for about a month, then I called to learnt that the Lien release and Title records have been sent to my address on Sep 1st and that they weren't sure on why I did receive it. Upon further grilling and several phone calls and at least 1 hr of wait times each time to get to talk a rep, they found out that they sent my valuable personal info to some unknown person. How did that happen? They have no clue. What documents were sent out, they had no clue.

They towed, somehow, stole my car at the door for just two delayed payments, only by a posted notice, no enough calls to notify us. We were out of the city for a few days during the time they sent me a notice. Even worse, they did not send any email to inform us. Their behavior is terrible. They would make money for auctions... They made a disaster for us... THEY ARE CROOKS!!!

I leased a Toyota 2014 Prius Plug In & returned it to the dealership early in December 2016. It was in pristine condition. They turned around and sold it immediately. I negotiated a payoff deal at the dealership for 50%. Or so I thought. I put it on a credit card and was given a receipt with nothing written into it but the date. Then in May a collections agency called asking for a huge amount. I explained that I had already paid it off. The guy was rude. They persisted in calling me. I went back to Toyota where I gave the $550 as a payoff I thought. They refunded the money to me after much ado. Then I paid off the negotiated debt for $1700 or this is what I was told I had to pay & used the $550 towards it.

Tried to keep up with the expensive payments as long as we could but then family tragedy happened and kept both of us from working full time. We were barely making ends meet. We had not ever been late on a payment in the year we had had the new 2014 Camry. However, when I called and told them our situation and that we just needed some time to get through this and get back on our feet, they wouldn't even consider working with us. They said we have to find a way to get the money or the car will get repoed. What a joke this place is. Crooks. We took out another small loan and paid the late payment and the current one (over a grand) and tried to keep up with payments from there. Then I got laid off and we were in the same boat.