Toyota Financial Services Reviews

I have 2 leases with Toyota Financial: A Corolla and an Avalon. After a year of calling Toyota to inquire why my account assessed a late fee every month it was because my county had my Corolla listed to be charged as business use, not personal use, so I was being charged a higher tax rate for 3 years. I called attention to it, Toyota was made aware, the County I live in adjusted the tax rate and issued Toyota a refund check to be applied to my account in the area of $850.00.

I recently paid my lease off through USAA to Toyota. Toyota has cashed the check $15,000.00 and I have been given the royal 2 step about getting title so that I may register the car in WV. My first call was 8-5-16 I was transferred to a resolution specialist who said" your account will be ready to mail within 7 to 10 days. She did say it was sitting yet to be processed until she looked into it. Today I called and was told the same thing. Mind you they have been paid in full!

When selecting our loan term, the finance person we worked with described an option for making smaller bi-monthly payments instead of monthly payments. This would reduce the overall interest paid on the loan and also cut our overall loan term by a few months. It seemed like a great deal and no reason not to choose the bi-monthly option.

On 6/6/16, I paid my Toyota Highlander off. The payment cleared my bank account 6/6. I at that point turned off the automatic payments to them since I paid it off. At the end of June, I received a "bill pay" I thought, they just hadn't completely processed it. On July 20th, I received another "bill pay" for June and July's payment with late fees. I called Toyota Financial. After a 45 min hold (I also posted an email to customer service while I waited for a person on hold), the gentleman told me that he saw the payment, but it didn't get applied. It was over 12K. So, he applied it and basically closed the account. On July 27th Toyota sent me a letter stating that it was taken care of and I also got a check for interest. Then on 7/28 they withdrew the June/July payment from my account. I have spent a good 4 hours trying to get this straightened out.

The worst company I have ever had to deal with. Pennsylvania requires the official title in order to complete the registration process. I started the process to have the title sent to the PennDOT facility that was handling my registration on June 30th. I have had to call in multiple times, sit on hold for up to 45 minutes each time I had called and was never given a straight answer about where I was in this process. I have even given them a FedEx account number in order to expedite the process once the title was sent out. I called another time on July 21st, I was told the fax was processed on July 18th. I was beyond frustrated. 11 business days just to process the fax especially when I was told that it was already processed and my title should be sent out "any day now" from multiple representatives.

Called Toyota financial to ask about my lease pay off instruction. They instructed me to log in to my account and send a payment equal to lease pay off. Pay off was sent, but 2 weeks since no title or confirmation letter was sent, called in again. No response. Called in third time. They blaming me for sending the payment to the wrong place??? Huh? You instructed me to do the payment on toyotafinancial.com. How it can go to a wrong place??? 2 month down the line, I still have no money, no title, and no pay off confirmation. On the top of that they still charging me every month for the lease that was already paid off.

I traded my 2013 Prius Leased from Auto Nation Toyota on June 18th when I leased a new 2016 Prius from a different Toyota dealer in Michigan. The new dealer and I followed their instructions for payoff and lease termination. The Michigan dealer sent my payoff check and proper paperwork to Southeast Toyota Finance on June 18th. Southeast Toyota cashed my payoff check on June 27th. In July Southeast Toyota Finance was still taking lease payments from my checking account. I called and the representative said that automate withdraws from my account would cease and the money would be returned to my account within five days.

Where to begin, Everything about them is Awful. My wife and I financed a car at the Darcars Toyota in Silver Spring. Thought everything was good, until the first payment issue started. My wife paid it via the phone, not realizing they use western union. They received the payment , but then reverted the payment over 7 times, without calling me or emailing me to inquire. Then they sent me a late payment with the current payment due. For the record, I told the agent no one ever called and she began yelling and becoming argumentative and after an hour on the phone, she simply hung up!!

The website doesn't have enough information. For example, I wanted to pay off my loan and sell the car. The website talks about payoff but no link or directions how to do it. I tried to call. After approximately 40 minutes of hold time, someone picked up but by that time, I forgot what I wanted to ask. Then I went to the DMV to do the rest of the paper work. The DMV needs the ELT (electronic file transfer number). It is not on the website either. Tried to call. Wow, the hold time was only 20 minutes. Continue to hold for 30 minutes and hung up again. I doubt I will finance again from this company. If this is the only company to finance toyota purchase, then me, my family, or my friends will think twice before buying one Toyota. Sorry.

There was overdue payments issue which could be sorted out. But they took my car without permission when the keys were with me from my place of work. When I came out after locking my office I couldn't find my car??? I had no idea anyone can do that without permission. Called the police as I thought the vehicle got stolen as I had my home keys and mail keys in the vehicle. Came to know it was picked up by Toyota Financial, I had to take a cab to reach home... and that in Houston. I bought the car from Joe Myers and had no idea who the hell Toyota Financial is. It was the dealership fault of putting me on this spot and not picking up the car when I never wanted it in the first place and was not even working at the time and then these loan sharks.

Toyota Financial Services, Carol Stream, IL sucks! For the 2nd time Toyota Financial Services, has misrouted our lease payment to our retail acct. Sept. 2015, June 2016. We received a notice of late payment & consequences. We had to sit through a 25 minutes on hold phone call to get this rectified in both cases. The entire time the representatives/managers address you as if WE caused the problem, even though we are using the correct address & the Toyota Acct. # in on every cheque. We have been customers of Toyota Financial for over 12 years & they refuse to DO ANYTHING to compensate us for OUR due diligence, time and mental frustration! This is a perfect example of the corporate complex that is misdirecting our country, government and social welfare. #ToyotaFinancialSucks

I tried to work it out with Toyota and they refused. Last night the repo man came and took the car from the driveway without my permission. They did not have the keys. I did not give them permission to be on the property. I do not have the name of the agent that took the car. Toyota told me if I came up with the back payments which I am getting together they would cancel the repo order. It was parked in my driveway. Not on the street.

First, I want to let you all know that I created this account just to leave this review. Steer clear of Toyota Financial Services. My car was declared totaled May 27, 2016 due to flooding. I contacted Toyota and let them know what my primary and GAP insurance needed and asked if they could send it over to me. They refused to send it to me and said that they would send it to my GAP provider as soon as they got it all together. June 29th I sign onto my Toyota account to realize that I still had $4000 outstanding, the amount my GAP was supposed to cover.

I have been making payments to this company for 8 years, never late or missed a payment. They lost my May's payment and here it is almost one month later and it is still lost after sending faxes with bank information, tracking numbers, wire transfer numbers and all and they still can't find it and refuse to correct it saying they "backed up".

Called Toyota Financial today to defer a payment because my daughter graduated high school and joined the navy. Was gonna take her on a vacation before she left for boot camp. Waited 25 minutes for a rep to pick up the phone just for him to say, "No, we can't defer a month payment for you." I have had this vehicle for over a year. Never been late on a payment or missed a payment. So before you go and finance a vehicle through Toyota Financial I would look for another company to finance it. I wish I could give a negative star because I would give them a NEGATIVE 10. Sorry, piece of crap company.

Payoff for total lost car - I have had a very bad experience with the handling of my account, with the payoff of a total lost vehicle. The personnel handling the case were rude and not helpful and would not give their name or gave you a bad name. I returned the call and asked for the name that was given and was told that no one by that name work there. This has been a very unprofessional experience and could not get any more of my business. My account was crooked where I could not view it online. With the person that I encountered, I ask that you look at the person that is working for you.

I had one question for Toyota Financial. I waited for about 20 minutes, then was disconnected so I had to repeat this process, and it took almost half an hour to get to a rep. I lost about an hour, just trying to get connected to somebody. Then, of course, their reps take their sweet time; they really have no idea that people are busy and can't just wait all day while Toyota learns to become efficient.

They repossessed a vehicle in 2009 and then they try and they turned in 1099-C with IRS in 2014, and expect you to put in taxes when they got the vehicle and sold it making me have to pay taxes on $6,000+ on a vehicle 5 years later.

My lease terminated in February 2016. The auto registration renewal is March 1, 2016. More than a month after the lease terminated and I returned the vehicle, I receive a letter from Toyota Financial Services claiming that I owe the registration renewal fee for the period March 1, 2016 to March 1, 2017. Outrageous. I sent them a note to this effect, then received a subsequent later claiming to be a "Final Notice" and threatening to turn it over to collections. Tried to call, but after waiting 30 minutes to speak to someone the call was disconnected on their end. Not paying this under any circumstances. Never doing business with them again.

I know that nothing will happen and they really don't give a rats, but, Toyota finance carried the note on my car. Never had a problem. UNTIL I called in to get payoff info. Here's what happened: I mailed the payoff amount. Very quickly, I received my title and a check for 2.64. I assume an overpay. I thought it was over. Threatening calls start coming in from Toyota!

Toyota refuses to replace the frame. We are being discriminated against because Toyota replaced lots of other people's frames. Toyota made the decision to spray the frame and not replace it. When my husband just took the truck to the Toyota dealership for a recall on something else that's when the dealership found the two holes and then they made the decision not to replace the frame.The bottom of the truck is in perfect condition otherwise. The inside and outside are great also. We are so disappointed with their decision. We also purchased a 2007 Toyota Camry. We are nervous about the car also. We are very nervous about driving our truck. Please help us to have Toyota replace the frame and anything that pop up in replacing it. Thank you so much.

Toyota Motor Credit Corporation is still listed as a Lien Holder on my registration years after my 2007 Toyota Camry Hybrid was paid off. Wait time to talk with customer service is 20 minutes to infinity. Mailed in requests are never answered or addressed in any manner. What does it take to get title to a fully paid off vehicle? At this point, if Toyota wants to retain title they can pay me and take the car back or give me title, so my insurance company will not require that I maintain full coverage for a vehicle that is no longer worth the added expense. Blue book value does not warrant the annual insurance premium, which will not replace the vehicle.

A friend of mine told me that he got charged a Disposition Fee when returning his Toyota and that he knew nothing about it. I have 2 leased Toyota vehicles and one of them is about to end. So I called up Toyota Financial Services and they told me that I would be charged $350 even though the only reason I leased my newer Toyota was because the miles on my first lease were almost used up. They said they couldn't waive it because I didn't lease it within 30 days of terminating my first lease. I was NEVER told about a disposition fee when I leased either of my vehicles or else I would have haggled them down in price to eliminate that fee. Very shady business practices -- I will never lease a Toyota again.

I paid in advance all payments on my leased Toyota. I dropped the car off 2 months early in immaculate condition. It seems at the end of the lease Toyota charges $350.00. I'm not sure why? I was told this would be waived if I bought a Toyota. Which I did! I called numerous times to confirm this. Once I purchased the new Toyota I faxed the bill of sale to Toyota. 6 months later I received a bill from Toyota Finance. I was again told it would be waived. It seems everyone that works there has a different story. Some were nothing but rude & demanding payment and others said the ridiculous charge would be waived. I am not sure with all of the complaints from customers why they are still in business! My credit score is over 850. They were insulting, miserable people! I will be sure to let everyone know how they do business and to check their rating on ConsumerAffairs.

I attempted to contact Toyota Financial's customer service department about a privacy issue and could not get beyond the automated answering service, which offered no options that applied to my situation. I therefore elected to speak to a representative and was told that I would have a ten-minute wait. After waiting 21 minutes to no avail, I gave up. The next day, I again attempted to contact Toyota Financial with the exact same experience--except today I was told it would be a ten-minute wait and I waited 25 minutes, again to no avail. I will continue to buy Toyota's cars, but I will look for alternative financing in the future.

I am at the end of my lease and Toyota Financial Services is horrible with customer service they provided so far. I have leased a Prius '12 in NY state and moved to CA. For about two years, they continued charging additional fees to my monthly payment without being able to explain what the additional fee is for. Initially they insisted that I did not pay NY state sales tax. Ultimately (after 2 years of phone calls!), they agreed that the NY sales tax was paid and was shown in the contract.

I've owned a Toyota for over 7 years now, I do not see myself owning anything else than a Toyota. Their financial services though, that I cannot stand to deal with another month. We purchased our car in February, for 2 months I have been trying to "create an account" with TFS only to every single time get an error message. I've called them, no help. They say they will do this and that but still two months later I cannot access online services to set up my payments. I cannot wait to transfer my car to my local financial institution and not have to deal with TFS ever again.

Went to the DMV to register my leased vehicle and was told to get the statement of facts and power of attorney from Toyota Financial Services. The phone operators were nice but incompetent. After 4 hours of waiting in the DMV and many calls later I got a confirmation call from the resolution center admin, who by the way seemed just as incompetent and idiotic and completely unapologetic about the wait and made no effort to apologize or hurry. DMV closes in 10 minutes and she demanded that she needed 15 minutes. Absolutely the worst customer service experience.

If you call as instructed to limit TFS sharing of personal information, it is a ten minute loop of questions by computer that never lets one limit information. It is truly a loop. I think Toyota is the greatest car manufacturer. But Toyota Financial Services is a lemon, pile of junk with flat tires and no battery. Tried the online system and it requires pages and pages of reading and agreeing before choices can be made. In addition it asks for information not readily available. So the online system and call in system are true failures. The people in charge of doing this to the car buying public are descendants of the Studebaker, Edsel, and Packard design teams.

I am rather upset with that company. I just received a letter stating if I don't bring up my balance by a certain by tomorrow I will have my car repo'ed. This is all stemming from the fact that the due date does not match when I get paid. I have called and messaged them: stating that I get paid 2 times a month. I tried to change the car payment due date through the phone and faxing back a form (they never could find it), because I was still paying off the down payment (yes, I had the down payment and the car payment), and could not afford to pay it on that date, because I only get paid a certain amount. How hard is it, for a company to respect their customer's wishes? I mean, at the end of the day, I am paying them, so maybe they would get a higher score if they actually worked with people.

I leased a new car from local Toyota dealer. I had a trip in the middle of the 3rd month, never got my payment statement, forgot all about it, and was not notified by TFS for 15 days. A gentleman (trying to sound authoritative) called me on the phone and stated my payment was late and now there was a $25 late charge. I asked if they had a reminder service by email or text to which the guy made a lot of excuses. We can not depend on USPS, so you'd think a business like TFS would find such a simple computer controlled reminder to their benefit, unless they can make a few extra bucks off the delay and extra charge. I just thought it was kind of churlish (to preclude barnyard language).

My experience has not been pleasant. I have been trying to get a overpayment back since January. I have talked to many representatives and they all say it will be investigated. I sent a fax to one who assured me he would call me back. This is March and to no avail. My husband leased a vehicle and 3 weeks later we purchased it. I called TFS and was told to make the first lease payment and it will be returned to me. I did this. If I owed Toyota the money they would ruin my credit. Now when I call them they just keep taking notes. Next step is small claims court. Toyota has no customer service.

Apparently these days dealer don't tell you about excess miles anymore. Unfortunate, you can't return the car to Toyota or Lexus directly and have to take them back to dealer. Dealers will lease you a new car, but never tells you about the bill you are going to get from LFS directly. If you have this info, you might make a different decision. Be aware consumers. If your dealer says we will take your old lease, make sure you get a letter from them saying they will pay off the car in full and pay for excess miles and damages. Or else you get stuck with a big bill later on.

I had an issue with my account on February 10th. The agent informed me there was no fee for a one-time deferment on my account, very quick and pleasant experience. Then on February 26th, I receive a bill for $50.30. So first thing Monday morning February 29th I call and I am informed the agent made a mistake and was spoken to but the fee stands. I was not happy with this misquoted information and asked for a supervisor. She then put in a request for a review of the conversation and stated I would receive a call back within 72 hours.

My advice please stay away from these folks.

I been trying to get a letter from this people for over a month, they been saying they sent it, they fax it and nothing, just a simple letter and copy of my title. The agents are not sure what they supposed to tell the customers, they don't know the DMV rules and contracts stipulations. IT'S HORRIBLE, every time I CALL THEY GIVE ME A DIFFERENT ANSWER. TOYOTA, IT'S THE WORST!

I turned in my leased Prius in November 2015. They took an automatic payment out of my checking account in December. I called and was told yes they owe me money and would send a check. My husband called today to see where the check was and was told they took the money for damages. He asked what damages and she said some scratches and dents in the roof. There were no dents when we turned the car in and since when is a scratch is an excessive damage when it is very little? They told us to go to DataScan who does their damage estimates, we cannot get the info.

My husband hasn't been able to pay his car note in approximately three months due to a pipe bursting at home. We call today finally because we got funds to pay it and they would not accept payment via debit card or my checking account but insisted and rudely spoken and disrespected me and my husband and said we walk to Western Union and pay. I'm disabled so there is no way I'm able to do so. I was told I should be ashamed for lack of payment and there's no way they will accept my payment but after this month they will be able to take payment via check or debit card. It's extremely frustrating when you try and do the right thing and get treated disrespectful. Me, my fam, and friends I guarantee I will make sure no one ever deals with Toyota ever again.

We leased a new Toyota Prius in 2013. I made every payment on time. We bought (purchased) a Toyota Sienna in 2014. We also talked to my dad and about Toyota. He purchased a new Tundra 6 months ago. All was perfect, and we spent a ton of money, but I will never buy another Toyota, or give reference to this company... Two months ago I returned my lease, and the way Toyota repaid us for being great customers was to charge me $350.00 at the end of my lease for not buying through Toyota Financial again. Even though we bought a new Sienna after the Prius, and even after my dad bought the Tundra... The reason they gave was we had to buy through them again. The Sienna didn't qualify because we financed through Wells Fargo. We financed through whom the dealership worked the loan up with. It's my opinion it's crooked. Make sure you read the small print. There is no customer loyalty!

My vehicle was stolen on 12/04/2015. It is now 01/14/2016. During this stressful time, they have been the most unprofessional, slowest, worst company I have ever had to deal with. They don't give a crap about their customers whatsoever. They just received a $22,000 check from my insurance company, but want me to continue making payments on my account, while they sit around and do nothing with my GAP coverage, taking their sweet time just so they can collect more money from me. Like I haven't already had to dish out a ton of money on a rental vehicle, and everything else because this happened. I will never ever buy a Toyota again!!! I cannot wait until this is all over with. DO NOT GO THROUGH TOYOTA FINANCIAL...

I had ended my Toyota 2012 Camry. And I ended up owing Toyota for some extra wear tear and mileage, which is fine. The amount was like 4000 dollars. I arrange with Toyota to pay 180 dollars a month until pay in full. The arrangement was Toyota would call me every month to collect the above agreed amount. All of a sudden Toyota stop calling.

As to why I say Toyota Financial Services is incompetent, after I had paid off my loan, my auto title was not mailed to me. When I inquired with TFS that my title had not arrived after a number of weeks had passed, they insisted they had mailed it to the address of record. They added curiously, that I could change my address of record online. There was no reason to change it as I have lived at this address for over 30 years but when I looked, the address entry area was blank. Furthermore, TFS successfully mailed the monthly billing statements to me for each of the 60 months of the loan period.

I have seen a lot of horrible reviews for Toyota Financial Services on this site. I rarely ever do product reviews or service reviews but because my experience differs vastly from those I read I wanted to share my thoughts. I bought my Rav4 in 2011 brand new. I was a first time car buyer and they treated me so amazing! They gave me an amazing deal on my car. I had a fixed budget and down payment that I would NOT go over. They did not push me to do anything I wasn't comfortable with. They respected my budget completely! Fast forward to the end of 2013. The company I worked for shut its door and we all lost our jobs. TFS worked with me so well. They gave me as many extensions as I could have and took the small payments I could give them.

We purchased a Toyota 4 Runner nearly 5 years ago. A year ago, due to the economy crash and lost property investments, we had to file bankruptcy. Per the terms of the bankruptcy, we were allowed to keep our car providing we continue payments. Toyota made this very difficult. They refused to send statements or accept auto deduct payments from our bank account. We had to make our own envelope and remember to mail it in with absolutely no reminder. We did this flawlessly for a full year.

Be careful when you make a payment and check the "status" because they will return payments without notifying you and then charge you a late fee on your next bill. No good customer service or creditable services.

Toyota continued taking a payment of over $500 from my bank account after the vehicle was paid off. They acknowledge they owe me the money. Problem -- process to get my money involves getting merchant's report from bank, my bank statement, writing description and account number on each page and FAXING all pages to a long distance phone number (not toll-free). They will not use email nor can I take this to a local dealer. For me who does not have access to a FAX machine, this will cost a small fortune -- my guess is between $20 to $50 in FAXING fees and phone charges. Toyota is purposely putting up barriers so they can keep my money longer or even hope I will give up and not ask for my money.

I bought my car in August 2015. My first payment was due 09/27/15. No problem. I planned on settling my account auto. However I never received a statement. So I called before my payment was due and asked why I had not received a statement and could I make a payment over the phone? The representative said she could not take a payment over the phone because I was not in their system yet and she would not know where to post the payment since I did not have an account number yet.

Because of unexpected events we were forced to file a Chapter 7 bankruptcy. When a Chapter 7 is filed, an automatic stay is issued by the court and sent to all creditors. They are forbidden to take ANY collection actions, including even sending you letters or calling you, until the case is finalized. They are also forbidden from repossessing anything.

Well, my issue is a form of payment. I have always been very uncomfortable with allowing debit payments to come out of my account. I have recently gotten over it, but I typically prefer to call in my payments for my bills (not just with TF), as that works better for me. Well, there was a time where I did not have an initial issue with TF as I could call in my payments to pay for my vehicle. Now, you are no longer allowed to do that unless you are in default status. It is more convenient for me to call in my payment instead of having you all take it out of my account. I thought about mailing the payment in, but it would take too long and then the collection calls would start and I do not like that either. I will change my rating once they allow for individuals to call in their payments.

Originally I had contacted TFS to get a deferment on my car payment and I was denied but the customer service rep told me he can put in for a payment date change and that would help me. Well he didn't do the job properly. I received a phone call from TFS telling me I was late with my payment, so I explained that my payment was suppose to be changed; well she checked and told me that the request wasn't completed and she would fix the problem. To make a long story short that didn't happen and I told them it was a simple fix and it wasn't my fault. Well TFS didn't give a care. They told me I didn't qualify for changing my payment date because my payment was late... LOL NO KIDDING! Thanks for making me late Toyota! TFS has poor customer service and can care less about their customers.

My niece recently fell behind and had her car repossessed by SETF. She immediately came to me and I loaned her the money to retrieve her car. It took over a week to get a payoff amount and impound fee amount. All the while racking up additional fees. We sent a wire transfer last Thursday and we're told the car could be picked up from the impound yard on Monday. When she called on Monday, she was told that the car had been sent to auction over 250 miles away. We now owe additional fees and have to travel a great distance to retrieve the car.

I have been laid off for almost a year and I have NEVER missed a payment. Now that I have a new job, I needed some assistance and asked Toyota for an extension for one month which I was granted. I was emailed the paperwork and sent it the same day I received it. Fast forward three weeks later and I get a call from their credit dept stating that my account is late. I spoke to two supervisors, one named Jaanai (if that's her real name) who were not helpful at all. Now I have to send over the paperwork again and have to deal with a strike against my credit. I'm seriously thinking about trading in my car for another brand just so I don't have to deal with them!

I bought a Toyota and put it on a 5-year credit plan. Today I went to pay my first bill. They won't accept credit cards! No other company or organization that I deal with is like this. This adds about 3 levels of complexity to my life! They make good cars, but the American side of their business - both sales and financing - sucks!

I been good on payment. We made arrangements for me to pay 8 month to pay it on the 27. They time to pay it off. On 8/27/2015, they repo it, would not take the 199.000. They would like all 17.000. Can you help me?

Last month I lost my job because of the oil and gas situation in Texas, so I called the number below trying to find a way to defer at least one payment to the end that will give me enough time to find another job and actually get paid. I made all the previous payments on time for the last 3 years. They didn't give me any option, but to make the payment on time. 1-800-874-8822.

I paid off my car in July, was told would receive title in 4 weeks. I called 6 weeks later and told first it was mailed to an old address then told mailed to the dealership I purchased it from which I found to not be true. Finally found out they mailed to the address I had from 10 years ago. Huh??? Now they want me to go to DMV and request a lien release. So inconvenient.

I am beyond furious with Toyota. Back in 2013, Toyota repossessed my 2011 RAV4, stating I was three months behind, which was NOT the case. Toyota was cashing my checks and storing them in a "safe" with all the payments they couldn't match to accounts, since they couldn't read my account number & match it to any accounts on record. Anyway, that situation was resolved and they had to pay all the repo fees, etc.. Fast forward to 9/11/2015, my car gets repossessed AGAIN! I forgot to pay July's payment but have been current otherwise. I call TFS customer service dept. after this happened to see first off why it was repossessed, then realizing I forgot July's payment to bring my account up to date.

I went to Toyota in Vicksburg MS (Cannon Toyota) to purchase a Toyota tundra. I was told that I could get one but Toyota financial wanted my payments to be $977 a month. I have a good payment history but low score not low enough for them to give me a 16.4% apr. Not a good place to do business - not helpful at all. I felt like they could have pick up the phone and talk to the financial company but instead everyone wants you to deal with Toyota and I don't want to deal with them. Payments extremely too high. A real rip off.

We accidentally did not turn off bill pay at the end of the billing cycle for the car so we overpaid by a month. Then when trying to deal with Toyota Financial, they couldn't seem to find the over payment anywhere. It has been over a month, and many phone calls to Bill Pay at the bank, and to Toyota Financial. They first couldn't find the fax information that the bank forwarded to them about the over payment then they said they couldn't find the money. Then after another fax, they claimed they did find the money and would repay within 48 hours.

I have bought about 3-4 Toyota Corollas. I know over the years that Toyota's quality has gone down significantly, but this is the first time I had to deal with the mishandling of customer information with Toyota Financial. And I have had to deal with this situation for over a year. This is not a company I ever want anything else to do with. I registered my car in Texas, as I am in Phoenix just to go to school. When I registered I gave them my Texas address. However, somehow they had one of my Phoenix addresses on file. I called them to change my address. They assured me that the address change had taken place. For some time my bills went to the correct Texas address. Then randomly my bills stopped. So I called them and they told me they had my Phoenix address on file. I asked them how could that be as I did not provide that to them.

I have leased a few Toyota Camrys in a row, but had not gone through a "lease closing" process with Toyota Financial Services until now. We handed in our car on 05/20/2015. Today 08/31/2015 (3 months and 11 days after signing off on our car) we received our final invoice from Toyota Financial Services. This invoice included 1: Charges for a missing second key $150.00 - which was expected and acceptable as per contract. 2: Charges for excessive mileage at .15/mile which was expected and acceptable as per contract and 3: Charges for $406.00 in bumper repairs which is not acceptable. I had the car professionally detailed before handing it in (both inside and out) and had a complete understanding of the rules used to determine "excessive wear". I had a representative of the dealership inspect the car unofficially and he assured me that this car was in fine shape.

My husband of 47 years died on August 1st. We have been leasing your cars for over 12 years or more from Jim Falk Lexus. I didn't want the car out front as a reminder so I called Jim Falk Lexus. They were unsympathetic and said I was responsible for the lease. I called Lexus Financial and they told me they would come get the car and auction it off and we would figure out something. AT THE SAME TIME, THEY SENT A COLLECTION AGENCY to go after me. It has not even been a month as a widow and you are sending dogs to bother me in my grief! This is outrageous. I am horrified that after being such good customers you are this heartless and cruel.

Tried eight times to pay bill - they transfer you around and are rude. They never say sorry or anything. Reporting to BBB!! I will never buy a Toyota ever again thanks to this company. So disappointed in the customer service and still confused as to why I can't pay off the loan in full as no one wants to take my call - just pass me around!

Since Friday 8/14/15 I've been calling requesting a lien released on my Toyota corolla 2005 which I paid off in full a few years back. First an automated system takes about 20 minutes every time you call just to get a person. Spoke to some of the worse customer reps ever. Spoke to Samantha (horrible). Spoke to angel id# ** (worse) she is a Supervisor. She took all my info... Insured she would call me back to verify the sending of the fax for lien release. She never followed up nor did she call me or send the fax. I can't register my car. So I have my car in a garage paying daily with no plates waiting on Toyota to send me a simple fax. The incompetence I've encountered is mind blowing.

Attempting to reach a person via the phone directory tree at Toyota Financial Services was impossible to do. As a trustee to a recently deceased father who had leased a vehicle I was required to have either his social security number, VIN of the car or the account number for the lease. I had none of those and when prompted on the directory tree to say "Something Else" - it immediately responded with "Thank You - Goodbye" and hung up. No "0" default to an operator worked. The internet behaved in the same manner - impossible to make contact in this situation. There just is no way to reach somebody there unless you have an account. I had to find a number via online to contact corporate headquarters. That was a lengthily as well to get a hold of a live person. They immediately punched me into guess what? Toyota Financial Services phone directory tree. Back to where I started.

Purchased a used 2012 Toyota Sienna from a Toyota dealership. Was told I could make payments towards the loan principal. What Toyota failed to say is that Toyota Financial Services makes it has hard as possible to pay down the loan principal. Half the time they send the payment back with no good reason, or they just apply it towards the next month's payment. And they do this after I followed their instructions on making principal payments. Toyota Financial Services customer's service is a joke. They either do not know or they just do not care, and they seem unable to resolve any issue. I can usually get the principal payments correctly applied by getting on the phone with them, but it can take over a month for this to happen.

Terminated my lease early (3 months).Turned the vehicle into a Toyota dealer for another lease. Received a letter from Toyota Financial Services demanding that I pay the remaining three months left on the lease. I paid the amount they requested. Six months later, I received a letter from a debt collection company hired by Toyota Financial services demanding $1249.76. Needless to say I was furious that I had never received any communications from Toyota Financial Services regarding this matter. They chose to put the matter in the hands of a debt collector rather than contact me with some detail regarding the matter. I attempted to call Toyota Financial Services and was told they had nothing to do with it. I asked to speak with someone in charge and was put on hold for 15 minutes. It appeared to me that they were not going to talk to me regarding this matter.

I have tried to get a deferment from Toyota Financial several times to catch on my payment. I was unemployed for 5 months and had to fight unemployment for two months. Having no income to come in for two months put me behind on everything. I have called Toyota every month and they refuse to give me a deferment. Now they are threatening me to end the contract if I don't pay them $1150 by the 13th of August. I have made one payment and I'm not 30 days behind on the other. Thinking about filing a chapter 13 for one year then transfer to chapter 7. I really want them out of my life. I'm paying 38500 for a 2013 Corolla which they promised me I could trade in two years but it all was a lie.

I had 3 payments left on a 6 year loan. Toyota repossessed my truck. By law they are required to s... I live in Massachusetts. On the morning of July 6, 2015, my 06 Toyota 4Runner was repossessed from my driveway. I thought it was stolen. I called the police 3 times (a full week) before they told me it had been repossessed by Atlantic Recovery. My loan was almost completely paid off. Toyota did not send me the required 21 day notice required by MA consumer protection law, prior to them seizing my vehicle. I have called Toyota & spoke with a Nicole and she told me the 21 day letter was the tow company's responsibility but I was also told they sent a letter to my father's address. I have not at that address in over 20 years. The house was sold a long time ago.

Bought a 06 Toyota XA four years ago and financed it for 5 years. Was to be paid off in 2016. However, with no late payments I paid it off 12 months early thinking I would save some money. OH, No No No. They just take the over-payments OFF the next payment, NOT THE PRINCIPAL, so you never pay down the principal even if you request it. Oh, and it is simple interest loan??? Never again will I finance anything with Toyota Financial Services! They are NOT Toyota, and Toyota dealerships are not involved with them at all, only use them for financing so ask for any other company or bank.

I called TFS six weeks ago because I have a buyer who wants to take over my lease and needed their help with the process. I had to wait two weeks for them to "process" the paperwork that had to be sent via USPS. They couldn't email it to me nor could I download the application (too logical, I assume). Once the buyer FINALLY received the paperwork, he overnighted them the application. They supposedly sent a rejection letter (which he never receive because they failed to include his apt. #) saying that they needed more documentation and he needed to fill out ANOTHER application and send it back to them with the new documentation. This is still ongoing... And I can't speak to a supervisor because they don't allow incoming calls. How convenient... FOR THEM.

I am the Power of Attorney for my Dad. Everything was fine until my Dad became ill, and is now in a rehabilitative/nursing home. Anyways, I asked Toyota for a two-month extension and even though my Dad is gravely ill, they refused. I have been trying to make payments and have made a few this year. I asked for an extension due to my Father's illness and my lack of hours at work, but they refused and did not give me a reason! Now I said I could make a payment Friday, but they were threatening to repo my car.. I have tried to make payments and get one extension, but they will not help? What is my recourse. What else can I do?

I sent an insurance check to Toyota Financial Services in Cedar Rapids, IA to get endorsed over a month ago. They lost my insurance check. They say it was because they had the wrong address on my account but in Truth someone keyed in the wrong address when the check was being returned. They have mailed me many items over the last four years and they have always had the correct address. They of course are not willing to take any responsibility for this stating that I had given the wrong address. According to the post office the letter would have been returned but they insist they never received the check in the return mail. Of course they do not have the "capability" to check the mail room to see if the check is there. In truth they just do not care enough to check it. It's not their check and they could care less.

I purchased my Toyota in 2006 and had it paid off a few years ago. I am now trying to sell the car but I lost the title for it. A week ago I submitted a request to have Toyota send me a Lien release form as I had a buyer for the car. I was told this was a very common request they get and would process it right away. I was originally told it would be sent within 24 hours. I called back 2 days later and was told they were still processing the request as they don't actually send them out immediately, they send out the forms in the order the requests are received.

I bought my car in December 2014 and had my first billing statement in January but it was not due until early February. I paid my bill on time. Since the first billing statement I have not received a billing statement before my payment was due. I receive calls about my late payments from a call center in a different state every month. They told me I should set up a secondary payment plan. In order to pay online you need the last four of your SSN and the computer kept telling me it was wrong and no one on the phone ever offered to fix it. They have an app but not everyone has a smart phone. You can also make payments over the phone, but I get too mad at them to stay on the phone long enough.

I was a very loyal customer - always made my payments on time for 3 and half years now... So I bought my car after my lease was up. First thing went wrong they held my bill of sale from me for TWO WEEKS!!! I can go on and on how bad that is and was also for my insurance company. Second it took them THREE WEEKS to send my TITLE to me. Every time I receive a statement in the mail I pay it right away... how am I getting charged late fees. They said I owed $345.55 in late charges... I had to show proof of my bank statements when the check was dated and when it was mailed and finally when they deposited my check... NO LIE!!! Every time it was way before the due date... my due date for every payment is the 22nd!!! They received their payment way before the 22nd!!!

I have purchased Toyota Camry 2012 from Toyota financial in March 2015. Bank of America is my lien holder as this car was on lease. Now even though Toyota got the full payment of the car they are not sending my title of the vehicle. I have tried to contact them several time and they always tell me different things. Last month, they sent me the Power of Attorney of the vehicle but DMV didn't accept that so again I was not able to register car in DMV. I called them again and talked to ** and she told me that now it would take only a week but, I still didn't receive that. For future reference she provided me her extension as I was having hard time again to explain situation different persons but when I called them again to find out, I was told that extension doesn't exist. So, I think ** was lying to me.

I purchased a vehicle two months ago. I received my first statement from TFS about two weeks later, and paid it with no problem. I have yet to receive my next Billing Statement, so I called TFS. The first person who answered the phone told me that his computer system was down and that I would need to call back. Ummm... Two questions... Why did you answer if there is nothing you can do? Why can't you just transfer me to someone else?

My son paid his 2008 Tundra off 3 months ago and had been waiting on his title. It finally got to him last week but was the wrong title. So the clock continues. He wanted to sell the vehicle but it is difficult to do so without a title. To make matters worse Toyota said they have nothing to do with Toyota Financial. Not only does he still have to pay his insurance while he waits on his title no one at Toyota or Toyota Financial has been any help.

I signed the "tablet" to buy a car. Gave $300 down to make sure they would hold it. This was Friday at 3:46. On Mon I got some bad health news that I have cancer. The manager said he would do me a favor by not suing me for the 4,200 but it would be up to Toyota if I owe any money or if this would be a repo through Toyota.

I purchased a 2013 FRS from a dealership in VA March 2014. I am military so I decided to go with a lease. After giving all of my military information to not only Toyota Financial but the city of where I was stationed, Toyota Financial still charged me for the taxes in that city. They kept telling me that I needed to call the city of Norfolk, which I had done. After 3 months the city of Norfolk said they were unable to come to a solution due to the fact that Toyota Financial services would not call them back. Toyota financial claimed they had not received any information through the city even though the city had given them the tax money back because I was exempt. After 2 months I called back, they had told me even though I am military and the car was not even registered in VA, I was not exempt from these taxes, even after the city had told me I was 100% exempt due to being military.

A supervisor got involved and finally researched my issues. She helped solve them and while it took a really long time I'm glad it's resolved.

I Bought a Camry from Toyota Wappingers DCH about four months ago. Long story short, I got in to a total loss accident! Once that happen it's like Toyota didn't want anything to do with me. The problem now is that I wanted to get a replacement car ASAP. They had given me a 6% interest rate, but now the best they can do is 13 to 18%!! WTF, all my payments were on time. So they definitely just care about the sale. Once that's over they don't care! Let me see. I took out a $20,000 loan in four months they got their money from my Geico insurance. I needed another loan for $20,000, so that's $40,000 dollars they would have got from me in the same amount of time! Toyota of Wappingers and their whole Toyota Financial should take care of their loyal customers.

We purchased two cars from Toyota. One which was paid in full, the second had 4 payments left. Unfortunately a lay off occurred with only 4 payments left on the car. First problem was when he called for extension to be sent to him, they sent it to his old address and in late December found this and faxing it to them ASAP. We were not advised that they could not do any extensions and thought it had gone through. It was his intention to be able to pay the 4 months in April when his first pension check would arrive, which he also told them on the phone and they said they also made the notation in their system.

I bought a 2015 Toyota Prius from Beaver Toyota in Santa Fe w/ an additional warranty because it was offered through Toyota itself. I disclosed that I would be moving back east to NC. The warranty was supposed to be honored at any Toyota dealership across the country. But a warranty from Toyota itself bought in Santa Fe will not be honored by the Southeast Division of Toyota! I was told this by ** at the Executive Branch of Toyota.

I just got off the phone with one of their representatives and also the supervisor, and I have to say that they are the least helpful people I have ever come across. I never get mad when discussing things with businesses but these people were just so rude and the way they spoke, as if they were so much better than me. Like calm yourselves, you work in possible a depressing environment while I'm young, in college and about to graduate to achieve my dream job. My mother has been a loyal customer for 10 years, never missing a payment and the last 4 months has been such a struggle for her. She finally gets things together financially and tells them she will pay off all four months by the end of this month and they didn't even try to help us. They told us we either pay now because the car is in repossession or wait, there was no second option.

I did all my payments on time with all confirmation numbers for the payments and now they are saying that I owe $1,200 dollars in payments. These are a bunch of thieves. My advice is don't buy with TOYOTA, they are truly gangsters in the United States. Until the U.S Treasury Department realize that are wrongdoings with TFS, they already rob millions of people in payments. TOYOTA FINANCIAL SERVICES is the worst financial institution in the U.S. history. TFS must be complained on TV media for all TFS clients to know about the truth.

I financed a Toyota Yaris in 2008. During the contract, I had a few financial setbacks and I requested several extensions with my monthly payments. Toyota had no problem approving an extension of the payments. However, they did not disclose that at the end of the car note contract, I would receive a big bill. The form that I signed for the extensions had general vague terminology. Well, at the end of the car note contract Toyota sent me a bill for $2,500 that was due immediately! I asked for a payment plan since I did not have that amount of money readily available, but the Toyota representative refused. The extensions are not helping a struggling consumer. It's sounds more like a set up to have the vehicle repossessed. It seems like predatory lending.

I leased a 2012 Rav4 which I recently paid off the lease and returned to Gateway Toyota, Toms River NJ. Two months after I returned the car I received $350 fee + tax. I have owned/leased five Toyotas since 1990. There was no disposition fee assessed to the contract for any of these vehicles. They never disclosed this fee to me or I would have never leased the vehicle in the first place.

To be fair they have tried to be nice but they are always screwing me along the way the entire time I've been with Toyota. Today's event placed the icing on the cake. I have had several not so good experiences, but TODAY when I learned how they do their financing, I am LIVID! I have been paying on an SUV which was a damn lemon even though I bought it "Brand New" even they admitted it was a Lemon. That is another story but I have been paying on it almost 3 years and I also am paying on my son’s car for 5 months. Trying to pay them off early and save on the interest, which by the way I was told I could do. I pay extra between 8 to 15 extra each month on my vehicles.

TFS is a TOTAL RIP OFF! I downed $5000.00 on a USED CAR and they told me my monthly would be lower. I told them no higher than $400. My payment is $502.11 and they said that's the best they could do. I missed a payment but every month I've been paying on time. They send me a DEFAULT letter and to call them to make payment arrangements. A RUDE REP came on the phone, I told them my situation that I was only on call with my job and won't be able to make the pay off balance till next month. This ** said "well I can't do anything about that". I told him the letter says to contact to make payment arrangement! Mind you, the pay off date was Jan 16. I got the letter Jan. 14, date of notice was Jan. 3 - WTH! This company needs to be shut down! They make their customers lives a living hell! To top it off, they call me 20 times a day/night and even on weekends. ** TFS!

First things, I bought Toyota Rav4 2014. Already have problem. Technician say it has problem on sensor that causing my check engine lights, brakes light, ABS light, gas tank light, seat belt light almost all light keeps coming ON and Off. When they check they saw the problem but they don't know what Causing the problem. Never be solved. Second issue is I moved to Ohio and I requested them to transfer my out of state title. I faxed the out of state title request form through Ohio county of Clerk 3 times but they never send my stuff. I called the Customer services they said it will be taking care but they never did it. I will tell my families, friends and relatives never do business with Toyota Company.

This is my first time providing this kind of feedback, but if someone else can learn from my mistake and stay away from TFS, then I feel it's worth my time.

I received refund check Dec 8 2014 - $3250.79 - 2010 Tacoma. I paid in full Oct 20, 2014. When I review the received car title I found missing lienholder signoff - if applicable? I had 2001 Sienna and 2002 Camry. It had all lienholder signoff. 2001 Sienna already junk last Oct 2014 - engines gone in the highway. Even emergency lamp does not working at that time.

I had been dealing with Toyota Financial Services for a year and a half on a vehicle that was my Mom's. She had been becoming forgetful and advised Toyota that I could attend to her account for her (She ended up developing dementia). For a year and a half, I handled the account, made the payments, etc... My Mom passed away on 9/3/14 and there was a month left on the lease. I called Toyota and asked them to come and pick up the vehicle. The day before it was to be picked up, I took it to be cleaned (a quick car wash and vacuum) and while on my way, I was rear-ended at a light. Geico Ins. advised they have accepted liability and would pay for the damages to the vehicle. I called Toyota and provided them with the claim number, claims rep and her phone number (I thought it was pretty obvious that I wanted Toyota to work with Geico). I provided Geico with the account number and phone number for Toyota.

In 2010, I now, remorsefully, co-signed for a brand new beautiful black Corolla. Little did I know that my daughter would leave the lot in that car and I would not see nor hear from her until 4 years later. I kept TMCC abreast and informed at all times. I took more than an enormous amount of telephone calls on her behalf to the point of insanity and personal defamation. TMCC turned me over to a collections attorney and now I receive letters from them AND TMCC. Hard to know when this nightmare will end. I personally love TMCC and have been a loyal customer for more than 10 years running with them. I would like for anyone to help me get these negative markers off of my credit. ASAP! Please!

Middle of the night they tow away the car without even giving any notifications for the missed Auto Pay?? We have had our car payment on Autopay and looks like we missed a payment and these dumb people just tow away your SUV in the middle of the night. We did not receive any previous information when we missed the pay or anything. I had similar incident with my Hyundai. They were decent enough to call me and let me know that I missed my payment and I did the needful right away. Are you car dealers or beggars/thieves? Shame of the way you deal with your customers!! Disgusting Company!!

I went to Toyota to turn in my corolla early after receiving a letter from them saying they were interested in my corolla. I had 9 months left on lease and was way under the mileage I paid for (20,000) miles on car. I was interested in a Rav4 because my job requires driving in all kinds of weather and there was a national deal going on for 189 per month. I was told I could not get the deal because of my credit and the down payment is much larger than advertised. My coworker leased her 1st Toyota the previous week and he insisted she did not get the 189 per month deal. They charged me 461 per month for the basic car.

October 1, 2014, TFS called me in regards of a balanced due of $550, threatening me to repossess my car (2007 Toyota Solara) if they don't get the payment by the same day that they call. So they are giving me less than 24 hours, very unreasonable. I've been making payments of $450/month for approximately 6 years (You can do the math, approx $32,400, more than what the vehicle was worth at the beginning). I told them I could pay it next week, and they refused to accept nor consider my petition. They claim that I've been behind the payment and want it today or else they would repossess my car.

I paid my car loan from Toyota Financial Services earlier. On my last payment, I paid $20 more so that I would make sure it will cover any last day interests. However, TFS conveniently has sent me final statements that equals a zero balance. Normally, I would let this go. However, for a financial institution, I just can't accept such treatment. I have called and sent faxes requesting a review of my loan; however, they just simply ignore my request. According to my calculations, I should be refunded $17.71. What government (State or Local) can I contact to make a complaint for this type of neglect from a financial company such as TFS.

Toyota cashed my checks for three months without posting the payments to my account. It showed up on my credit history. Disastrous!

I have had my car for a year with Toyota Financial. I recently became late on my loan, my fault (less than 30 days). When the lady called me she was rude and condescending. I answered the phone to make the payment which should be routine but instead they asked me all kinds of questions about my personal finance and even offered a "voluntary surrender" which I thought was CRAZY!!! What in the world?!! I even told the lady that's just a silly idea since I made the payment and was only slightly late this once.. Yikes, this is the last time I buy a Toyota - seemed like sleazy loan sharks.. It was GROSS!!

I was going through a furlough last year where the government decided to not pay us for 6 weeks to save on funds. I called Toyota Financial to get a 3 month deferment/extension. This did not work out as planned because I setup an automatic withdrawal and payments continued to happen each month. I called after the payment was taken out and asked them what they were doing and they apologized and said that it would not happen for the following month. Next month rolls around and it happened again. I asked them what they were doing because I asked for an extension. They then assured me that for the third month that it would not happen again. Well it did! Now I am completely negative and they drained my savings account.

It has come to my attention that most car dealerships have leasing contracts that include a disposition fee as a way to dissuade customers from just handing in a lease without considering purchasing the vehicle or leasing another from that same corporation. I currently have a leased vehicle from Toyota Financial Services. My lease is not up until January of 2015 and I have paid off the remainder of my lease due to the fact that I lost my job and took another job that significantly decreased my salary.

Almost a year and half, I contact Toyota Financial Services to request a 1-month deferment of my payment due to hardships. My hours and pay had been cut-back, as well as my company's pay period cycle had changed (we went from being paid weekly to being paid bi-monthly). I was denied my request by Toyota without any reason given. I called back to complain with no response. Since then, I've been making my payments with Toyota about 15-20 days late but always with a 30-day period. Toyota has continually hit me with late charges of $45.00 a month.

I came to Manfredy Toyota 4 weeks ago complaining of an airbag light. Was told that I need a new ''spiral cable or clockspring." After not having a car for 2 days and spending money on rentals, my bill for taking care my problem was $500. 5 days later the airbag light came back, so they told me that now I have to fix the airbag and put a new pad and that would cost me $1200. I got very upset and took my car back.

Received my statement today from TFS. It was due in 48 hours. Had to pay via their website and sign two legal agreements long as your arm to do so. In Dec., received 2 bills days apart. TFS has worst billing seen since GTE in 1980s. Beware.

I bought a 2005 Camry brand new. I lost my job shortly after and contacted them several months later as my savings ran out. I was not able to find another job as quickly as I had hoped. My car was repoed and I was told that if I followed their procedures I would not only get my car back, but avoid the repo report on my credit report. I came up with the money in the required amount of time and picked up my car. I continued my payments on time for the remainder of the loan. My final payment was nearly $4,000 since they charged me extra interest the remainder of the loan.

Back on February 3, 2014, my car was in an accident which resulted in total loss. My insurance company, USAA, gave me the option to receive a payout and get a new car. I chose to accept the payout. My insurance company notified me of the settlement amount $10,726 and told me they would deduct my deductible of $1000 from that so it would not be $9786. They sent Toyota Financial the check, it was posted and now TFS was waiting to be paid by my Vehicle Service Agreement. Once paid, my file was supposed to be sent to my Gap Insurance, which I was told, would pay the balance off and leave me at $0 so that I could proceed to purchase a new car.

I have a 08 Camry LE with 59,000 miles on it. I purchased the Toyota Platinum Vehicle Service Agreement, which is a bumper to bumper extended warranty till 7 years/100,000 miles. While buying the car, the TFS manager pushed me to buy this Platinum extra care package for $1524.00. He clearly explained to me that everything is covered, walked me thru what all parts are covered and said pretty much you got to take care of only the Wear and Tear parts like oil changes, batteries, etc...

I take full responsibility for having fallen behind in my lease payments. The car was repossessed January 31. I contacted the appropriate representatives, all of whom were helpful and respectful - at least initially. The letter with the necessary information regarding redemption was received within 5-7 days, as promised. I returned all paperwork immediately and sent the cashier's check for the total amount.

My car just got repo'd today on 02/13/14. Have money ready to pay, called Toyota and they are telling me to wait for 7 days for same letter to show up. I told them why can't I just pay now and pick up my car and they told me that they won't take any payment and that they are going to freeze my account. Very rude reps, I am taking them to court and will fight them over this.

After I lost my business, I fell behind on my 2006 Dodge ram P/U. After 3 months they called and informed me that Toyota was repo'ing the truck. The woman on the other end was very irate and TOLD me "not to try and hide it because they will find it, And if I make this an involuntary repossession it will reflect on my credit report." I gave them absolutely no trouble whatsoever, and about a year later was at my bank and a credit check revealed I had an INVOLUNTARY repossession. This isn't right. I contacted a couple of lawyers and none here in North Dakota have the stones to take on Toyota. Reading the other complaints, who is fighting for the little guys here??

My husband and I own a Toyota Corolla with monthly payments. We also have a child on the autistic spectrum and his medication co-pays went up to 268.00 a month. We were going to have a hard time making our Dec. 2013 payment. I contacted a rep through the email on Toyota Financial Services. We were granted an extension or so we thought. My husband and I also made a payment Dec. 1st, a small one Jan. 17th 2014 and we have a pending payment that will bring us up to date on January 31st, 2014 regardless to any extension from, “Matthew **”, rep. at Toyota Financial Services.

Toyota is giving me the run around. I had my car repo. I called Toyota 12/26/13. I was told that a letter was sent out to me... I never received one. I was told that a letter will be sent to me explaining the repo process on 1/2/14... never received one. Called Toyota many times. Toyota said to wait for repo letter... never never received one. 1/9/14 called Toyota... CS told me to send repo payment to: 5005 N. River Blvd. NE, Cedar Rapids, IA. Was told that once payment was received & faxed to 319-221-5518 over to call back 2 hours and they will tell me the next step/procedure.

I lease my Toyota Camry 4 years ago. I have never ever been late... until I filed for divorce - it was a very messy one. Well I got behind on the payments by 4 months, they would not work with me at all. I went to make a payment at Western Union and they would not except it. They said they want all or none!!!! I then said I could pay one payment that day then another in two days, then another the following week. The customer service rep was so so rude!!! She said nope!!!! All or none!!!

This company has the WORST customer service. I had numerous unprofessional reps refuse to give me information regarding and extension on my loan. I was offered an extension a month prior and when I inquired about it the next month, I was told I was not eligible. I asked what changed since my credit, payment history and profile had not changed but they told me it was an internal policy. That seems like an unfair practice in my opinion. When I advised that I would write a letter expressing my concern and dissatisfaction, I was told that the information I requested (the name of the Director/Manager of Customer Care and reporting manager) was not related to my account information and would not be provided. The agent actually disconnected the call. I am in disbelief and am wondering if this is a 3rd party contracted company because I find it difficult to believe that Toyota would have such rude and unhelpful individuals working for them.

This company has no appreciation whatsoever. I have complied and honored my contract after 6 years and they still want to charge me more money. The contract stated that my agreement was for December 2013 as the final payoff in which I paid one month in advance to go along with my November. When I was granted extensions, I quickly got the money a couple days after and send them my payment so they can apply but what they did was adding interest to their convenience. I made all 72 payments as agreed to the contract I signed.

Well Toyota fin. wouldn't let me pay online...They came and took my truck I have paid well over 42 thousand and its still worth 25 thousand....My girlfriend was making a few payments while I was away and then I had to get my debit and bank acct. straight..They refused to work with me and I only owe 15 thousand left..They refuse to let me come current and I have been good with this payment for years.....They are rude about it and are not willing to help..They take a vehicle and sell it for less than its worth and still charge you...Why not work with us so we can continue on....They are as bad as the real estate market ... They made their money and profit and take the vehicle and profit more, but tell you it's a loss.... Well mine is going to auction Nov 29 and its worth 25 to 28 thousand still and I owe 15 so I bet they say they took a loss ...It's low miles and still looked like it was brand new that was me and now my ex, baby...... My loan was 62000 total and I was down to 15 really Toyota....Why.....why....and it also will demolish my credit....If an attorney contacts me call ** ask for Gloria.

I called this company after finding out that after paying on a car for 72 months I "owed" 2394.19 and it was "82 days late". When I called today I was told that there were certain warranties expired and I owed the above amount. When I asked for an account balance statement showing what I owed they said they would send me one, but I needed to submit the amount or the car would be up for repo. The lady immediately got an attitude and became rude when I explained that I paid over $40k for a car that cost $18k and that they always received their money. She stated that was not the point that they own the car until the final payment. I said that's fine but the final payment was made in September 2013 and that now these Ghost charges appear and I owe them money? She said fine she will submit the refusal to pay and note the account and then hung up. Terrible company. I needed a car and they gave me one at a huge interest rate and I understand that but the customer service at this company just sucks. Easy to get a loan, hard as hell to pay it off.

So my maturity date is 11.30.13. My monthly payments are 465.40. I have been making my payments and yet my balance is 2149.50. Never received notice that I was late. Now I'm afraid they will come get my car after I've paid on it for 5 yrs now. They want money on that date.

I just got my Camry last year and I ran into some problems where they gave me some extensions. Well my husband just had surgery and didn't work so I needed another extension to be given to me. The customer rep said that I did not qualify and couldn't give me the qualifications... She also stated that it was a courtesy. I tried to contact them so they can help me and I am trying to make an effort to make my Camry payment and they refuse to work with me. I am now still in need of help. I don't want to get Repo and I am trying to work with them but they don't want to work with me and they can't give me a reason why which makes no sense. I REFUSE TO BUY ANOTHER TOYOTA CAR AGAIN. They have horrible customer service!!!! Now I am trying to see what I can do and what are my rights!! And I'm still late on my payment.

We communicated with Toyota about our situation regarding late payments, and told them a large payment to bring account current including a couple months in advance was coming as soon as possible. When we called to make the payment including late fees, extra interest and understanding the thing it would do to my credit worthiness, they not only said they didn't want it. They'd rather pick up the car instead of helping us get back on track. They were extremely rude, condescending, and unprofessionally nasty.

I leased a 2010 Rav4, had the pre-inspection, and there was nothing the matter. I turned the vehicle in and get a bill for $429.46 for excessive wear and use. I had 28,000 miles on it. They say there was a 12-inch scratch on it, it wasn't there when I turned it in. It sat in a parking lot for approx. 3 weeks before they picked it up. Who knows what happened in that time frame! All I know is that it wasn't there when I turned it in. On top of that, they charged me for floor mats. After 3 years, you would think that was normal wear and tear. Don't bother with the pre-inspection as I feel it is a waste of your time. I will never lease another vehicle!!!!

Monmouth County sued me for car because of a case I had nothing to do with and my name is on the car. I hired a lawyer and he got the case dismissed against me. I call Toyota and at first they were telling me I was getting the car and was telling me I had to call prosecutor so that I could get information on how to pick up car. I called prosecutor for a week with no return calls or anything. I call Toyota and even the Rep called the prosecutor and left a message for me to call me back so that I could pick up my car.

Last 10/05/13, I was checking my scheduled online payment for my Toyota Camry that I financed through Toyota Financial Services, when I noticed that I have delinquent past due amount of $3,351.08. I was shocked & confused for I was making my monthly payments of $540, which I have a record of. When I called them up, they said this because my account maturity date is September 21, 2013, & I need to pay this in full as soon as I can or my vehicle will be subject for repossession. They even said that I have to find a way to pay this, borrow money from someone if I have to or apply for personal loan. They're very rude, short, & very condescending. I told them that I have no one to borrow money from & will continue to make my payments of $540 monthly. They said that I could continue doing that but they can't guarantee my car from being repossess. What I don't get is they're charging me finance charges for my monthly installment but they can't guarantee the they will not repossess my car.

I am a friend of a man that has a truck that they are looking for. I am not the owner, co-signer, or even related to this friend. A man named Daniel has called me at my work 4 times in the last two weeks. I told him the first day that I have nothing to do with this man and that they were calling me at my job. I told him to never call me again. Daniel has since called me 3 more times. I am a receptionist and I have been called in front of a patient and in front of my supervisor. I have told Daniel that if he called me again, I would have my attorney call him. He proceeded to badger me with "If you just talk to me for a minute, you can end this problem." What course can I take to get this guy and this company reprimanded for harassing me? I have nothing to do with the truck they are looking for and I should not be harassed at all, not at least at my job. I will get in trouble for calls like this. Please get back to me asap. Thank you.

After buying our 2007 Camary, I created an account through Toyota's on-line financial web site. I had noticed some differences between the date to payment was scheduled for and the actual posting date, but these were just small one day differences and not really an issue. On my last payment, however, their system posted the payment nearly a week prior to the scheduled day which had a drastic effect on my bank account. When I called to determine the issue, I was told that their post date was all that mattered to them and I had no recourse for their early withdraw and would just have to pay any associated bank fees. Three time I tried to talk to a manager, three times I went through the whole spill of account number/phone number/address and three times the line went dead with no manager to talk to. In the rankings of customer service, I have never been belittled as much as I was in trying to resolve this issue.

I have been a customer of Toyota Financial since 2011. I made my payments on time through 2013 until I filed Chapter 7 bankruptcy. Instead of informing me after the bankruptcy was discharged, they repossessed my vehicle and said I owed the remaining balance. I was not informed by them that I owed three months of payments while my bankruptcy case was pending. Once the case closed, they sent someone to my house to repossess my vehicle. I had the money I owed them for the three months I missed but they decided to auction my car off if I did not pay the remaining balance of my loan which was over $5,000. They were rude on the phone and were not willing to work with me. I do not recommend this loan company to anyone.

My aged wife and I agreed last fall to buy a new 2012 Toyota YARIS from Lustine Toyota of Woodbridge, VA. We were told the cost would be less than $19,000. After the paperwork was complete, however, the actual "sale" price came to $28,383.84. Monthly payments would be $394.22 for 72 months. The "deal" included several costly "service" contracts that we thought were included in the original price, but instead added nearly $10,000 to the cost!.

I bought a car with Toyota. I paid on the loan for 6 years. After the fact, I went bankrupt. My attorney sent Reaffirmation letter in order for me to get my statements (they never came). I continued to make payments on my own and I may have been a few times late, but I NEVER stopped paying on my car loan. Now my loan was matured and according to Toyota, I still have payments due so they came and took my car without letting me know. (I thought my car was stolen since they came early Sunday morning and took the car.)

I recently financed a vehicle through Toyota Financial Services. When I first purchased the truck through Ira Toyota in Manchester, NH. They decided to take the entire 30 day maximum time frame to mail out my application for title. In the meantime, my other vehicle was totaled in a car accident, meaning now I had to purchase ANOTHER vehicle (I am fighting insurance companies in court in that situation as well). For me, that meant I could no longer afford the truck - I had to put money into another vehicle now, and therefore couldn't afford to buy/keep 2 new vehicles.

I financed two cars with Toyota who robbed me on both cars in the Bronx and five towns over a ten-year period. I had identity theft after financing the car as someone used my mom and my information. I was never thirty days late but they reported me late. This is the worst company ever. Be aware.

I cannot believe we have babied our Toyota Prius on a lease through Toyota. I had the inspection yesterday and they said that I need to have the bumper, hood, and roof reconditioned (look at the picture). This is probably the best lease return Toyota will get, never ate in or drank in other than water. I am so dissatisfied that I will never ever touch another Toyota product, even though I have owned two Lexus's and several other Toyota's and have been happy with the vehicles. I take complete care of all of my vehicles and have never experienced something so unjust. My experience leasing from other companies is completely different.

I financed a Toyota recently and my car was re-possessed after missing about 4 payments. I ended up having to pay a whopping $15K to retrieve my car!!! My car is not even worth that amount (it's a pre-owned 2010 Toyota Corolla). I would've gladly paid them a little over $2,000 to get my car back, but they forced me to pay the full amount and then some! I'm just going to put that $2K towards buying a new car. Mind you, prior to the repossession, I had impeccable credit, so I would've faithfully paid the required payments from that point on. But since they wanted to so greedy about it, they lost themselves a good customer.

I spoke to Melissa **, and she agreed that Toyota will pay for half the cost of a new title, fill out the application and send it to me. I then received a call the next day from Kelly in Titles, and she verified my information. She told me the check will be mailed out THAT DAY. It is now 3 weeks later and Kelly leaves me a VM stating she never verified my mailing address, and once I call back to confirm it, she will have it out that day. What kind of ** is that?!

I am beyond fed up with this company. Each person that has called me repeatedly, 12-15 calls this week, telling me they are looking for a person that is not at this number. I was nice the first time and explained they had the wrong number and asked where they were calling from. They could not discuss that information with me. Then the calls kept coming. My response is “There's no one at this number by that name. You need to stop calling me. This is a personal cell phone number.”

As of today, I have received various communications (via automated voice message) regarding my car payments. I have also spoken with several individuals in your customer service and billing departments regarding my concerns with your horrible customer service and lack of attention to detail and investigation regarding my situation.

I've gone back and forth with Toyota regarding my title. I've paid them off years ago and all I ever received from them was a letter stating I paid off my account and I will be receiving my title shortly. When I realized I never received it, I contacted them and they told me they sent it to tag office electronically. I went to the tag office to find out it was never sent. They told me they weren't set up to receive electronic titles. I contacted Toyota again and they stated they will mail me proof to show.

I recently had a total loss on my brand new Scion FRS 2013. I was told by the dealership that I can cancel my extended warranty at any time and that I would be pro-rated to the date of cancellation. I called the date after my loss to explain what happened and that obviously I was no longer in need of the warranty and would like it removed. At this point, I did not know I had to actually sign a contract saying I wanted it cancelled nor did I know I had to do this at the dealership. The girl on the phone told me I could do this over the phone and she calculated what my refund would be. It was well over $1500 since I had only had my car for barely 6 months. I wrote down her name, time I called and even spoke to one other person in customer service who quoted me the same exact price and told me they would be sending me the check in the mail within 10-14 business days. I was also told it would bring my remainder of the balance to $27000 and some change.

My daughter's Toyota was financed through TFS in 2009 for 60-month term. I made prepayment to pay off this loan early in October 2011. After this payment, my payoff amount was $550. We were not required to pay immediately after that so I paid off this loan in January 2012. It turned out this new payoff amount was $750. So my question was how this payoff amount changed so much under 10.09% rate of loan in 3 months. In addition, even this first payoff amount of $550 was incorrect because it did not match online calculators significantly after my extra payment. As a result, our loss after the loan is paid off is approximately $350. Even if my calculations are incorrect, I'm supposed to see all the details in my statements to find out what the source of error is. But it is not about TFS statements, including only basic info like number of payments and outstanding balance.

I have been a Toyota owner since 2007. Not to mention after this Toyota, I will never buy another; their customer service at Toyota Financial is rude. The representatives repeatedly cut me off, and told me I was wrong. They refused to listen to what I was trying to say and kept telling me that it was my fault. I was the issue, I was the problem. At no point in time did the representative ever acknowledge that the issues I was having were real and not the fault of my own. I eventually just hung up. I am counting the days till this car is paid off and will have a party the day I can rid myself of Toyota altogether. Never again!

I had an automatic loan payment set up with Toyota. I purchased a Honda 3 years later and my Toyota loan was paid off. One day I look at my bank account and even though my Toyota account had been closed over a month, they processed a payment of $380 on top of my Honda payment through my new dealership (so in 1 day I was charged just under $800 for car payments). I contacted Toyota to resolve this and to hopefully just be credited for the mistake. Instead, they said it would take 30 to 45 days to receive the reimbursement in the mail because they needed to wait for the funds to clear in the bank and then they were not responsible for how long the postal service took to deliver the mail. So they really wanted me to believe that Toyota/Lexus doesn’t have $380 to cover their own mistake and they needed to wait for the funds to clear.

Toyota Financing took out my wife's car payment with Autopay on February 12 and then took a second payment as payment for "someone else's car". Now, after several calls and faxes, we still are owed over $400 almost a month later. Supervisor "Linda" says this is not the first time this has happened to someone and "We have thousands of accounts you know."

I bought a car on January 8, 2013 off of a non-profit company who used Toyota Motor Credit. It is now February 25 and I still have no title from Toyota. They said the party I bought it off did not receive the money until February 9. Toyota Motor Credit explained that they have until March 9 to send out my title (30 days). How long does it take to process a title? They cashed (processed) my check rather quickly. Meanwhile, I have insurance on a car I cannot plate or drive. I will never buy a car without a title. I thought I would be dealing with a reputable company, but I guess I was wrong. Never deal with Toyota Motor Credit. I’m still waiting!

Toyota repossessed my vehicle. I was a month behind on payments due to switching jobs. They took the vehicle and didn't notify the police. I had to make a stolen vehicle report, to find out a few hours later that the guy decided to call and tell the police they took it. Well, the first lady told me I had to wait 15 days before anything could happen. I started doing research and I called back. The second lady was very nice and told me 5 days, and to call back everyday to see if a letter of reinstatement had been issued, that I didn't have to wait to receive the letter; simply it just needed to be created.

I have found out that I was wrong and the money that I paid early is not still collecting interest. After I sent a message to the company, they responded with detailed information about how they calculate interest. I'm giving a 4 star because their website should have more information about the finance charges, payments, etc..instead of just a lump sum amount of money you owe.

I had/have autopayment set up for my 2010 Prius. I have never missed a payment nor have been late as far as I can remember. I have no record of Toyota attempting to reach me via post mail. I came home to find that my car had been stolen! It was repossessed by Toyota with no notice and no reason to do so. I called the police which was a joke. I called Toyota just to be played with, sending me from one operator to another and to be placed on hold for a ridiculous length of time. It took 2 days to find out where my car was being held. When I went to retrieve my property, the tow company had stolen and damaged my property. My car was not even at this lot where my property was and I still do not know where my car is - which is illegal from what I have read so far. I currently have a lawyer and am taking action. I have bank statements proving that Toyota Financial has continuously taken out my payments every month since I brought the car home. Thieves! They have shown no sorrow or care even when I showed them proof that they did me wrong. Now, they will not respond to me via phone or email. I guess my lawyer will have to take care of it for me.

I paid my Toyota lease off well over 2 months ago and sent all required paperwork to them by registered mail, signature required. They signed for it! All payoff check/money cleared the bank months ago. They have blatantly lied to me twice telling me my payoff documents and title have been sent. Going on three months later, still don't have my paperwork. They have my money and I have a bunch of lies! They, Toyota Financial, are the worst financial organization I have ever done business with. Truly an idiot operation with very poor customer service. The whole operation appears to be run in an Asian mentality, which is tell them something even if it's not true, never admit you've done anything wrong and be a good little robot.

In reviewing a relative's estate, I have found the deceased bought a used car from Toyota and is being charged 22% interest. This was after they had purchased a new car back in 2003 at 3% interest and paid it off in five or so years. After an accident last year along with the downturn of the economy, the above is what Toyota offered when they went back to them to get another car. I have recently looked up the Blue Book value for this car that has to be sold and it is listed for $10,000 if sold by seller, $8,000 as a trade-in. The deceased was charged over $20,000 last year towards which they put the insurance money for the totaled car. Even with all of this, after only one year, the car's pay off is over $12,000.

I've had a loan since 2005 with TFS. I received 7 months of extensions during the loan. They started charging me late charges for no reason and ignored my requests to fix my account. They finally told me that I was supposed to receive only 6 months total of extensions, and I was considered having missed 1 month instead of them seeing their mistake. So they hit me with month after month of late charges even though I was paying current. Last year, they repossessed my car based on their accounting errors! After weeks of demands, begging, crying, etc., one woman did the work to figure out my account and they gave me my car back without the repo charges, but would not eliminate the late charges.

I have been a customer of Toyota Financial for 15 years, 6 different cars. When you are a few days late with payments, they call 20 times a day from many different phone numbers. I am not late for November and they are harassing me 20 times a day for a payment that is due on the end of December. The bill hasn't even arrived yet. It is December 7th and the payment is due December 28th. I have asked them to cease and desist; they continue. The attorney general should investigate.

After my car was totaled due to Hurricane Sandy and Toyota was paid off by State Farm, I discovered payments were still being debited from my account. I contacted TFS immediately, only to be told I had set up recurring online payments with my bank (Bank of America) which I told them was incorrect. Nevertheless, the representative kept arguing with me and so I said I would contact my bank and call them back. After speaking with my bank and confirming I never set any recurring payments with them, I called TFS back.

Toyota Financial Services repossessed my 2006 Ford Taurus on April 1, 2010, and then came after me with an attorney in Tempe, AZ, because of the balance from a returned Ford 500 they put on the 2006 Taurus. I am filing bankruptcy. I wasn't even late on the payment, just $50.00 short I was going to pay and the lady at Toyota Financial said it was OK. Anyway, what a horrifying company - Toyota Financial? Plus, they sure are having problems with all the cars being recalled. I will never deal with Toyota ever again.

I am seriously planning on starting a petition on Change.org to have the US attorney general's office investigate Toyota Financial Services for deceptive credit fraud by charging customers illegal interest, as well as harassment of its customers, charging more than what an auto is worth. After reading several hundred complaints online against Toyota Financial Services as well as my complaint, Toyota Financial should face fines and give restitution to its customers who have been barraged by relentless phone calls using scare tactics to pay a certain fee or fees or face repossession, even after the auto was paid off and not releasing the title to the owner.

Toyota & Lexus Financial Services have the wrong phone number on their record. They have been calling my cell phone days and nights to collect money. I have been telling them that I am not the right person. I requested too many times to stop calling me. However, they just ignored my requests. I am not Carla ** that they are looking for. They must stop calling my prepaid cell phone.

I had a 2002 car financed through Toyota Financial Services. It is now 2012 and they will not release my title. They are claiming that I owe $1,300 in back-end interest. Shortly after I took this loan, my husband got cancer, and shortly after that, I lost my job. Since then, we have lost our home, have had to put my kids in community college, and have moved in with my parents. Through all those, we paid this stinking car off (with much help from family) because we needed it to get to the doctor's, to labs, hospitals, etc. I should be driving a Mercedes, for what this car has cost me. It is now 10 years old, has 120,000 miles on it, and needs an engine that I cannot afford. So here I am in Long Island, NY which has no public transportation to speak of, with no job, and a husband near death. My mom is selling her house to live in a nursing home, leaving us homeless, at 55 years of age.

After paying 60 payments of $378.11 with 5 extensions and $2000 down at 16.90%, Toyota Financial claims I owe them $1279.46 for the amount of days I was late. It was to my understanding that I was late only after the 15th of the month. My due date was the 5th but charged a late fee after the 15th. Only once was my payment made after the 15th! They are now telling me that I am charged for every day past the 5th! At $15,247.38 financed at 16.90%, I have paid a total of $24,686.60! Not only that, Toyota will not refund my $1750 for an extended warranty until 2014, seven years from signing. Another detail they did not explain. This is a rip off and another reason I will never purchase a vehicle from Toyota!

I bought a Toyota Corolla in 2006 for around $20,000. I extended my payments over the course of the loan 4 times. I've been paying almost $500 per month for the last 6 years totaling almost $35,000 to date. I just made another $500 payment a few days ago like I should. I just started getting calls from Toyota Collections wanting the remaining $2,000 immediately or they will repossess my car. I told the lady on the phone that I just made my payment and why was she asking for the balance now. She told me that this extra money was accrued because of extending my payments 4 times over the life of the loan and the loan reached maturity date yesterday, which means that I must pay the balance immediately. She acted like I am a deadbeat and somehow took advantage of Toyota.

I purchased my 2010 Toyota Corolla in November of 2011 and was financed through Toyota Financial Service. In May of this year I lost my job. I immediately got on the phone to Toyota to inform them of my circumstances. I was told by the agent that answered that it was too bad, but I better sell something to make my payments. Really? All I wanted to do was the right thing: call and inform them of my circumstances. I got behind on my payments like I had told them and when I asked for an extension, they told me that I didn't qualify!

On September 26, 2012, I received a call from Toyota Financial Services with regard to my Toyota account being 3 months behind. After mentioning numerous times that I would not be able to make a payment until the first of October, the representative suggested that she speaks with a supervisor to try and get two of the payments moved to the end of the account term and set up a payment in order to prevent the vehicle from being repossessed. She was able to attain such deal and we set up the arrangements. However, she processed the payment for that same day without my authorization. The following day, September 27th, I was checking my account and saw the payment along with the fees accrued for overdrafting two items affected by this transaction. There were many other pending withdrawals so I had to direct deposit in advance in order to protect my finances from any other fees, which also has a fee for the service.

I leased a Lexus in early 2006. I had a 36-month lease with Lexus Financial Services. I did two extensions on the contract for 6 months each, bringing the total to 48 months lease time. I negotiated purchase price of car to $30,500 at lease time (IS250). I paid $475/month for 48 months = $22,800 ($17,100 paid towards 36 month lease, additional paid towards extensions). Car is only worth $30k at purchase time. Great. In early 2010, lease is up. No more extensions allowed. I was over on the miles for my lease to the tune of $5k. I had no choice but to buy the lease out and finance with Toyota Financial Services to bury the negative or cough up $5k plus the money to get into a new lease. I decided the less expensive way was to finance.

I leased a 2009 Rav4 and upon lease end, I went shopping. I eventually leased a Nissan and turned the vehicle into a Nissan dealer, that was on 7/9/12. On 8/1 I received a certified letter from TFS with a bill for missing spare key ($250.00) and windshield replacement ($220.00). The letter identified the turn-in date of 7/12 at a different dealer, local Toyota dealer. Apparently, the vehicle was transported by the Nissan dealer or picked up from the Nissan dealer by the Toyota dealer. When I contacted TFS to dispute charges and indicate that I had turned the spare key in to the dealer 2 days after turning the vehicle in, the fee was waived. When I asked about the windshield, the rep told me that upon inspection of the vehicle on 7/13, a chip was found in the windshield requiring it be replaced.

I was leasing my vehicle through Toyota, then purchased it. The finance department tacked on the residual. I am paying $58,000.00 by the time I finished paying for this vehicle in 2016, after already paying for 4 years of payments. I went to Toyota, they would not help me in any way. My payments are $540.00 a month, which is extremely hard for 9 consecutive years. Can anyone help me figure out what to do? It just seems illegal. My car is a 2006. It seems like when I repurchased, the car should have been sold as a used sale price but I bought it like it was brand new? Please help.

I was scammed and given the runaround. On 5/20/12, I entered my parking lot to find my car missing. Because I knew that 2 car payments were late, I realized that it had been repossessed. I immediately called Toyota Financial and spoke to Robert who gave me the past due amount and account balance for pay off (account is due to be paid off by 8/12). He also gave me the name and telephone number of the repo company and the dollar range of their daily storage fees. He stated that these figure were just "estimates" and that within 5 days, I should be mailed a letter with the exact figure. To expedite the process, I should call back on Tuesday (5/22) and get the amount because the letter was already being generated.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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