Toyota Financial Services Reviews

Now I'm struggling to save up the $2500 which is causing a financial hardship. It's wrong! Toyota needs to better disclose. I would not recommend to anyone to purchase a vehicle from Toyota. I made a complaint with the Consumer Financial Services Bureau, I recommend other consumers who had similar experiences to do the same.

I was looking at the interest paid and the principal paid and it didn't appear correct. So I called to find out why my extra money wasn't going to principal. I was told using their fancy terminology, "for we are screwing you", that I can advance the account but if I wanted to pay extra on the principal I would have to send a separate payment to a P.O. Box in Cedar Rapids, IA. I was like that feels like robbery. You all won't allow a person to declare extra on the principal and pay it online with their payment. That feels like screw me baby without a kiss and like it mentality.

So for the last 3 years I have just been advancing the account not paying down my bill even though I am paying extra. I was so mad I am going to complain all the way to the White House - That is crazy. Maybe all companies do that, but that should be illegal. Any extra anyone gets on a bill should automatically be placed on the principal. No one wants to pay more interest and certainly they don't want to "Advance the Payment". What the heck is that?

Where to start? I am a 20-year Coast Guard vet. In 2011, I received military orders from Washington, D.C. to Kearneysville, WV. My pay dropped by $1600 a month (allowances) and I was $75K under-water on my house in Leesburg, VA. To make this long story short, I filed for Chapter 13 bankruptcy in March of 2012. I consulted three attorneys before I made that decision; it was not a decision I made lightly. I kept my 2011 Prius but TFS no longer allowed me to make payments online. I had to send them a check each month with an account number on it. Why they took away an option that would have allowed me to pay them CASH online in a quick and convenient manner, I will never know.

So fast-forward to November 2013. My bankruptcy is discharged and all of my creditors have been paid; I did it in 32 months vice the 60 I was given by the court. I called TFS and asked for the convenience of online payment again and I was told I had to wait 7 years from the date on which I filed for bankruptcy. I asked if that was a company policy or Federal law. The rep on the phone conferred with her supervisor and then told me, "You'll have to have your attorney call us if you want that information. We cannot give you that information."

OK. I am no longer in bankruptcy because of the discharge, so I no longer have an attorney representing me. In other words, I was told to go ** myself because they weren't going to share that information with me, the consumer. I made every single payment on time, got my bankruptcy discharged early, and TFS still refuses to talk to me about my car. So I continue sending check for the next 2 years. I've driven Toyota vehicles since 1995--but this is a deal-breaker. I will never buy from the company again and will tell every person I know considering that decision to think twice.

Another short story. I watch my credit closely because of the bankruptcy. In August 2014, Toyota claimed I was late on a payment. My score dropped significantly. I called TFS and they verified that I was never late on a payment from the day I drove the Prius off the lot. I asked how could I clear this up and I was given an address to Toyota's Credit Reporting Services. No number. I couldn't even have TFS call the Credit Reporting Service to verify that all of my payments were made in a timely manner. So I sent a copy of the credit report and the notification I received from the credit monitoring website to Toyota's Credit Reporting Service.

Three weeks later, I get a canned message telling me they researched my complaint and they made no mistake. So the onus is on me to fight to get this off my credit report, even though Toyota made the mistake. And the kicker is I cannot talk to anyone in that department. My take away is that if the consumer ** up, it's the consumer's fault. If the bank/corporation ** up, it's the consumer's fault. I will never deal with this company again. If you are reading these reviews and considering doing business with TFS, read the other reviews and make an informed decision.

Original Review: Dec. 5, 2014

I want my over payment back for 2010 tacoma. I paid lump sum payment online $3250.41-Oct 21, 2014 and I double pay by mail ch# ** $3250.79- Oct 29, 2014. I call Nov 3, 2014 for return - wait 7 days. I call Nov 11, 2014 for return - wait 10+10=20 days from the date Oct 29, 2014. TFS call and leave message Nov 20, 2014. I call Nov 20, 2014 for return - they want my bank document with fax. I fax 4 times.

Geico called Toyota to find out the location of the vehicle (it was picked up the day after the accident) and was told, they wouldn't speak with them without my permission. Geico advised me of this so I called Toyota and told them I give Toyota permission to speak with Geico. Geico called back to set up an appraisal and Toyota refused to speak to them a second time. I called and spoke to a Supervisor by the name of Joanne ** in the Recovery Dept and asked why Geico is being given such a hard time. She said she would place a hold on the car so Geico could inspect it. I asked if Geico would be turned away again like that'd been twice before and she said, she would document the file so anybody that speaks with Geico will know what to do.

I called Geico and told them... again, to call Toyota, which they did. Toyota told Geico that they wouldn't speak with them without my permission! I called Toyota again to ask what was going on and I was then asked "Do we have an affidavit from you?" I said "for what?" She said, “We need a signed affidavit from you before we can speak with you.” I said my name is documented on the account to discuss any matters on behalf of my Mom and I've talked to Toyota for the past year and a half. Well, that wasn't good enough. Geico was stepping up to the plate to pay for the damages and mail Toyota a check but they didn't want it.

Now what Toyota will do, is sell the car at auction (for less money due to the damage) and then send a bill to my house for the difference between retail value and the auction price. You know what? They don't get to pick and choose what they want to talk to me about. If they call, I'll tell them they're not permitted to speak with me. Any mail that comes to my house gets "Return to Sender" on it and gets dropped off at the post office. The responsible party offered to pay for the damages and they refused it so don't come to me looking for money. (Technically, I don't owe it as it wasn't my debt and my Mom has no estate.) Try and help them out and they don't know what to do. Falls under the category of "Not my problem anymore".

A week later my coworker returned from vacation and showed me her lease agreement and she was correct paying 189 per month. She also had lower credit and the same down payment. I called Toyota Financial and they advised me to speak to a manager or loyalty director because the car was so overpriced he was certain a error was made. He said if that doesn't help, to call the corporate office. I called the dealer and asked to speak to the recommended people and they asked why? After I explained I was lied to by the salesperson they put him on the phone causing me to feel further violated. He now said since my corolla was in a accident (hit by another car when it was not moving) the value depreciated and this was the cause of the overcharging. I explained the car was repaired and has a lifetime warranty. I did not own the corolla. It was also a lease but they charged me for depreciation.

I am paying 19,213.34 and my co worker is paying 7518.54 for the exact same vehicle. I cannot understand how this can be. I have leased 4 cars from the Yonkers Toyota dealer and have never made a late payment. This is her first lease with them. I am very upset that I was lied to and would like help knowing if there is any way to help fix this problem and also prevent others from this fraudulent business.

All I owe on the car is $3,000 after I've been making payments every month for apporx. 6 years. TFS didn't even offered a plan to help me out. I asked for two weeks to pay everything and TFS was rude and rejected it. At least the representative of TFS could have been more polite, but she was rude and treated me with no respect. I considered Toyota a company that cared about their customers but now I see that they don't care at all. Instead of them trying to help you and work with you, they want to bury you.

Congrats to Toyota, you just lost a future client and many more. I will never do business with Toyota again, nor my family. After 30 minutes of speaking with them, and trying to make them understand that they are unreasonable, they gave me until October 3, 2014 to pay the balance due, two days, only two days. This is not how a company treats their customers, especially someone that has been paying a lot for many years. Congrats to TFS for being unpolite, rude, threatening and unreasonable. I will look forward in doing car business somewhere else.

I called and asked what happened and this is when they explained that I would have unenroll myself through their Toyota Financial website. I asked after I did this if I could get my extension and they said they gave it to me and that I cannot have more than 3 months although I was paying each month when I was not supposed too. It got to the point where I could no longer pay them and started falling behind then getting harassed daily with phone calls. It started to affect my credit score and I was pretty bummed because money was out of my control. I called again last month July of 2014 to try to get another extension and was denied.

I am still affected by the furlough of 2013 with no help from Toyota Financial. I am the sole provider of 5 people and this would have helped tremendously. The customer service representatives are always rude with an attitude. I was also denied to talk to a supervisor. I don't know who they hire but they are the worst company I have had the pleasure to have known. The vehicles and dealerships are not bad. It is just the worthless call center! Rude and obnoxious. I am a US Army Vet and to be treated in the manner that they talked to my wife and I turned me from ever financing from Toyota ever again.

In an effort to combat additional future charges, I contacted Toyota Financials Resolution center to see if their "Disposition Fee Loyalty Waiver" could apply to my specific situation since, I believe that, I will be in no position, financially, to pay the $350 + tax disposition fee cleverly incorporated into the cumbersome fine print lease contract. I was told that this Loyalty Waiver is reserved for "qualified customers that MUST lease or finance a Toyota through a participating dealer..."

My argument was that the word "Loyalty" insinuates that this waiver would be applicable to "Loyal Customers" and since I have purchased one car and leased two from Toyota that I should be considered a "Loyal Customer"? I suggested that they change the wording to "Continued Customer Waiver" to represent a more accurate description of what the waiver really represents. In addition, I suggested that they change their contracts to fully disclose the disposition fee in bold and put a line for customers to initial next to it so that they have an opportunity to negotiate the waiver prior to signing the contract.

No dealership should be allowed to use the word Loyalty in this waiver as it is deceptive and misleading. I believe that the disposition fee itself should be done away with and what these corporations claim it represents should be incorporated into the sticker price of the vehicle so that consumers have the option to walk away at the end of a lease without being hit with any additional frivolous charges that have NOTHING to do with the condition of the vehicle.

In addition, if that is not possible then it should be fully disclosed in bold and have a line for customers to initial to bring it to their attention at the time of negotiation; because most consumers don't know (I didn't) that you can have the salesperson waive this fee at that time. This fact alone proves that the fee itself is NOT a necessity like these corporations claim it to be. I believe a class action law suit is in order for all car dealerships that incorporate a Disposition Fee into their contracts!

Now, I'm at over $600 in late fees. I called and spoke with the office of the President. His name was Adrian **, Executive Administrator. This individual I spoke with was rude and was unwilling to work with me to remove the late fees. He laughed at me when I asked to have the late payments removed. I have been a long time customer with Toyota Financial since I first has a lease on a Camry. I have tried in good faith to work with them to make a more reasonable monthly payment. I believe Toyota is committing a criminal act in charging me these late fees.

2 days after that my horn stop working and my cruise control. I came back to Toyota and tried to explain that maybe the part (clockspring) was damage because clockspring controls or send the signal to airbag horn and cruise control. But was told in a NON POLITE way that Toyota's mechanic are certified and know what they doing. I took my car to my mechanic that I used to used in a past and told him specifically to check the clockspring if it works properly. I had to leave my car there, spent more money on rentals and after all was done --- the diagnosis on my car was --- the part Toyota put in was damaged and that's why my horn and my cruise control didn't work.

I didn't have to replace my airbag or the pad, but Toyota people wanted me to do that and spent $1200 for that. SHAME ON YOU, I will hire an attorney and take them to court for all the money they cost me. NEVER EVER I will buy any cars from them.

I noticed that my report had the repossession on all three companies. I disputed it and it was changed to redeemed repossession. I have written to FTC and their credit dispute department several times. I have applied for other credit only to be told that I had a repo and I would show them the car in the parking lot. Not only was my final payment nearly $4,000, but they refused any payment arrangements for that large amount. I was told that if I didn't pay the full amount that they would repossess my car again. Recently I checked my credit report only to still see the repo from 2006. They told me that this will remain on my credit report for seven to ten years after the last payment and refused to remove it. That is till the year 2022!!! Now the FTC said they no longer handle these types of complaints. Wicked wicked company. Stay away.

It is now March 21, 2014, and my claim is still open. After speaking to TFS more than once on several occasions, I was told my Gap insurance does not cover deductible so I have to make sure I pay my deductible to my insurance. I contacted USAA and was told I do not owe anything, my deductible was paid. After several phone calls, and conversations with Pam, Ms. ** and Charlene at TFS Total Loss, I was confused as to why they would keep telling me to pay my deductible. Their exact words to me were "You didn't pay your deductible. Did you go into your pocket and take out $1000 cash and pay USAA?" Um, no, it was deducted from my settlement check. TFS even did a conference call with USAA who also told TFS, my deductible was paid. It was not until then, that "Charlene @ TFS Total Loss told me since Gap does not cover the deductible, they will leave the balance of $1000 on my TFS account, which in turn will have to be paid by me or my account will not be closed.

So now, after 35 days, I'm being told that it's not actually a deductible, but a balance on my account that has to be paid. I was under the impression I only owed a "deductible" to my insurance company, not TFS. That was not explained to me properly and because of this miscommunication, I'm not stuck with a $1000 balance that I still have to pay to TFS. I've asked to speak to managers, supervisors, and only today, March 21, 2014 at 9:40 am is when they allowed me to speak to one. After speaking to this "supervisor", and telling her it is in fact a "balance", not a "deductible" that I owe and I'm pretty upset at how TFS handled this situation, I was told by the "supervisor" that I have been told what has to be paid and she was now ending my call because I was not "listening to her!" I'M ANGRY! I don't have money to just dish out at a moment notice and the fact that there is not one sympathetic ear to that is amazing! All I keep on hearing is I have to pay but what does TFS have to do? When are they going to be held responsible for not explaining to me what this $1000 was going to be?

I told the "supervisor" we do not need to continue the conversation but I would like her name please and she refused to give it to me because she has already given it to me at the beginning of the call. "Ok, so since you gave it to me at the beginning of the call, I'm not allowed to ask you again for your name?" I'm the customer, I have rights and my right is to know her name so I can proceed they way I feel necessary. I paid my February payment to TFS while I didn't have the car and now my March payment is due as well. So now, I'm stuck with a balance to TFS and payment due. If I don't pay the balance to TFS, I can't close my account and if I don't pay my payments due, this will mess up my credit. What rights do I have. The customer service is disgusting at TFS!

On Feb 14, I was driving home after work on a highway and suddenly got the "check engine" light on my dashboard, within 2 minutes the entire vehicle was locked down on road and I had to tow it to nearest Toyota Dealer/Service center. This again is a neatly maintained, not so old 60,000 miles Camry considering Toyota cars run long. The service center guys comes up with a bill of $6000 for the repair. I told him I have the extended warranty coverage. He calls up the TFS - Platinum coverage guys - they come inspect the vehicle and deny the claim. The reason they denied, is engine was overheated as coolant was not present.

I recently have done the oil service change on Dec 28 and had coolant checked too. There was definitely a mechanical failure with some damn part that might have let the coolant leaked. The temperature indicator did not show the engine was heated on the dashboard, as it was normal I drove the car as usual. Now, for no fault of mine, in spite of having the maintenance done every 3 months and having the bumper to bumper coverage which includes every part of the engine, radiator and some hundred other parts which are covered by TFS VSA.

I am supposed to shell out 6 grand on something which legally Toyota should cover as part of the bumper to bumper warranty. This just sucks, and I would recommend everyone not to buy this useless warranties which do not cover even though they clearly states it to be covered. I hope I can sue Toyota Financial Services for these kind of frauds they do with the customers. To add to these I still have a $8000 payoff on this car.

What I take issue with is, once Toyota Financial Services received the cashier's check to redeem the vehicle, representatives have been completely uninterested in helping. TFS received the check the day after I sent it, and I was issued a refund from Toyota Motor Credit Corporation for the lease down payment, which I had not expected. I cannot imagine they would have issued a refund had the payoff amount not been received. In fact, the date on the check was the day after FedEx delivered it. That was 11 days ago. I have received nothing but vague or snooty answers to my inquiries as to when the car will be released. The last excuse was some vague muttering about an administrative note from Arizona about the title. In the meantime, I am being charged for storage. I don't know if Toyota Financial Services is being punitive or retributive, or they are just idiots and don't care. I have done everything in my power to fulfill my obligation.

Where is my car? Why hasn't it been released? Tomorrow I will call the Vermont Attorney General's office.

Today, January 18th, 2014, we get a call from a woman at 9:20 a.m. from Toyota Financial Services saying we have not made a payment in 2 months which is incorrect and we are being sent to collections regardless of the payment on Dec. 1st, regardless of the payment on January 17th, 2014 and regardless of our pending payment to MORE THAN bring our account up to balance by the 31st of January (13 days from today's date). We also got a second call from a guy who once I identified him as Toyota Financial Services (3:30 p.m. Central Standard time) he replied, "Oh," and hung up on me. We acknowledge we owe them a month's worth of payments. We also know we have an extension agreement and have been making payments and one is pending. This is a really crappy way of doing business on Toyota Financial Services part.

1/10/14 FEDEX payment to Cedar Rapids, IA. Confirmation was signed 1/11/14. 1/13/14 called Toyota regarding the Cashier's Check that I paid...Toyota said it is not processed to call back tomorrow, 1/14/14. 1/14/14 called CS of Toyota... They finally faxed over the letter that I was supposed to be getting in the mail. Told them that I send in my check & FEDEX it to Cedar Rapids, IA like I was instructed and that a ** signed for it. Toyota told me that it will take more time to process. Asked if I can call back 1/15/14 to check. CS said yes. Called back today, 1/15/14, was told to call back tomorrow, 1/16/14.

Toyota has the money but is not willing to release my car... giving me the run around! It is sitting in an auction facility, Adesa LA! I called Adesa LA to ask the procedure to get my car back... was told by them that Toyota has not yet released my car! Asked Adesa if they can give me an estimate on how much it will cost to get my car out... was told that they cannot release that information because Toyota has not given them permission to do so! I have paid Toyota! They have my money! WHY IS TOYOTA GIVING ME THE RUN AROUND! IT IS COSTING ME MONEY!

I asked if I was a good payer!! In the past, she said, "Oh yes, but we need all 4 payments." And then she said, "Where's the car? We are going to repo it." I will never ever lease another Toyota again in my life!!! It's too bad they will NOT work with you seeing that you paid on time for 3 and a half years! Rude, very rude customer service people!!! They make you feel like you are no good. People do get on hard times. I guess they only hire people who never had rough times in there lives. Toyota will never be in my vocabulary ever again!!!

I honestly felt like I was talking to a loan shark who wanted to break my kneecaps. Why do we continue to patronize and do business with big business that walk all over us, guilty of fraud, cover-ups and do not really care about us once the sale is made? I swear the day I ever heard of Toyota. No ethics. They would call many times everyday even though i told them we have no intention of defaulting. They also called me a loser, which I believe breaks some collections laws.

I finally get a letter from prosecutor stating that Toyota told them that they are taking the car. I called Toyota and one of the reps was being helpful and he asked me to fax them the letter that prosecutor had sent me. I did and the next day I called them so I could get an update. I spoke to a person named Diane who was not very nice and was telling me something totally different. I first thought that she had not read the notes on my account because for two weeks I was calling Toyota almost every day. Diane was rude and told me that I was not getting car back. I was confused and upset as she even told me that the person who was helping me did not exist - that they had nobody name ** in that department. This really upset me as somebody was playing games with me obviously, as I do not make up imaginary people.

I sent another fax explaining the situation to the attention of the same person I was told to fax prosecutors letter to. I stated in the fax that they should contact me at a specific number. Well, the person I faxed the letter to called me at my job number (this had to be done on purpose) and was absolutely horrible. She told me that no one at Toyota ever said I was getting my car back and that my car was being repossessed and probably auctioned off and that she was right next to Diane and listening to everything I was saying and then she even stated although she is not judging me, that the person who got charged had pleaded guilty to the offense (which was not entirely true). I told her the person ran out of money. I really could not defend myself as I was at work with my co-workers and bosses all around me. That's why I say that she called my job number on purpose.

Monmouth county had my car for six months and (I’m sure they do this for the money and to screw people over) and I paid the car and my insurance all that time. I have been with Toyota for a long time and have another car with them and even traded another Toyota car for a total of three cars. The reps at this department have to be miserable to be so callous and indifferent to people without knowing the facts. Not only that - they are liars and played me for a fool. I have been a good customer to Toyota for years and they just stuck a knife in my back. This repossession will surely alter my life for years to come and cause a lot of distress. I just don't understand how my case can be dismissed and I still get my car repossessed. It's like Monmouth County and Toyota scam people. Horrible experience with Toyota. Beware if you think this cannot happen to you. Stay away from Toyota.

My concern is, TFS did not call or sent me a letter about this issue. I only found out when I checked my loan account online. I was even the one who called them about it. If they would have advised me a month before the maturity date, I could have prepared for it. Do they have the right to threatened me & repossessing my vehicle If I'm making my monthly payments and paying the interest fees? Please help me and let me know if I have any rights regarding this matter. Thank you.

After reviewing the contract that we had misread and signed, we cancelled $4,500 worth of the contracts and requested that the resulting reduced price of the Yaris be refinanced by the dealer's finance group, Toyota Financial Services (TFS), which collects our payments at a Carol Stream, Illinois, location. TFS, however, refused to refinance the contract, claiming it is an "indirect lender," and not able to recalculate or refinance a car deal. Turns out TFS is not subject to government regulations or other usual credit-granting rules.

Our position is that if TFS can FINANCE a car deal, it should be able to REFINANCE a deal. But TFS refused to discuss the matter. Lustine's management also refused to renegotiate or reduce the usurious cost of the car. Now, unless we return the vehicle to Lustine Toyota - in a credit-ruining "voluntary repossession" - we will pay TWICE the Blue Book value ($13,638) for the 2012 Yaris over the course of six years!

Lessons learned: Do NOT buy a car from LUSTINE TOYOTA unless you enjoy dealing with UNABASHED GREED. DO NOT FINANCE a TOYOTA vehicle through TFS. Use a legitimate bank or federal credit union.

According to my records, I made a payment July 26. They said it was rejected and sent back (I did not get the check until 3 weeks since the payment was make and AFTER the car was taken). I got in contact with them and spoke to two "reps" who were horrible at answering my questions, outright rude and unprofessional. They started to insult me and made statements such as "Write this down since you cannot listen", "You clearly cannot hear" "No one has to help you", etc. Placed me on hold for 15 min to speak to a manager, then hung up on me.

Toyota should have at least taken the time to give me a courtesy notice of their intent of taking the car. Since they have failed to do so, as a loyal customer for 6 years and at the end of my contact, I get a huge thank you from Toyota by having my car taken from me. This has not only impacted my credit, it has hindered my ability to look for a job and move around as needed. I am now spending my savings on a rental car.

I found a buyer for the truck. The buyer paid off Toyota Financial, and I was promised that my title would be in the mail (overnight) to me within 10-15 days. Okay. I call back on day 17 because I still hadn't received it. All of a sudden, NOW they realize that they had not received the title yet from the state. Hmm - think they could have read their paperwork? So I call the DMV in my state (NH), the DMV says "No problem, just get either a lien release or a letter of no interest and we will send the title to you without the lien instead of sending to Toyota."

Toyota Financial is refusing to send me either of those. Basically, they are not willing to release a vehicle title to me because they say they need proof that the lien was ever placed - they are telling me that this is a law but cannot produce said law. I can't find it either. Can someone please tell me if what they're doing is legal or if there is some other way around this? I NEED to get this title.

On top of that, just about every person I have talked to has been extremely rude to the point of talking over me and down to me.They are your best friend when you're buying the vehicle, but the minute you pay it off, they don't give a crap about you and become EXTREMELY unwilling to help in any way, shape, or form. I will NEVER finance a car through Toyota Financial again. They have the WORST customer service I have ever dealt with.

I called Melissa back and haven't heard back from her yet. I left a message letting them know that this is the same nonsense I have been dealing with over the years trying to get this resolved with Toyota. They have once again DROPPED THE BALL. This also lets me know they never mailed out the original title and I’m getting screwed with paying half of it!!! My family purchased 3 cars within months at the same Toyota dealership. That will definitely be the last time!!! Unreal!

Then the fifth call came in and I asked where they were calling from. Their response, “I cannot discuss that information with you if you are not so and so.” I asked for a supervisor and was told, “Ma'm, I cannot give you that information.” “Well, what information can you give me since you've called me 15 times in 5 days and you continue to call?” This is outlandish and they need to be taken out of business for such poor customer service and business practice. I'd also love to know who trains these people. If you can't discuss anything, then stop calling me as I've asked 15 times.

In June of 2012, I missed my car note payment which was my error. I didn't receive any written correspondence from your company regarding this matter until October of 2012. I was informed after speaking with a representative of your company that several attempts had been made by phone and email, which I never received and explained to this person. On October 29, 2012 at 3:42 pm, I corresponded with Samantha, a representative of your company, stating that I would receive an extension and that I would not have to worry about doubling up my payments in order to bring my account up to date. I was informed that my 'last payment on my car note would not be in August but September of 2014 and that my last car note would be approximately $461.09 because of the interest rate of 1.68%'.

I agreed to these changes on my account and informed her that I would make my November 2012 payment at the end of the month. On October 31, 2012 at 9:17am (confirmation# **), I made a payment by phone in the amount of $361.09 and was informed again by another representative of your company by the name of Brittani, Collections Department representative, that my payments would be extended to September of 2014. I am EXTREMELY frustrated with your company and its lack in providing the correct information to me as a customer.

Last year, I received a written communication from your President's office in California after October regarding my previous communications sent to your company via email along with my financial history. I was informed to contact this person if I had any additional questions or concerns regarding my records, which I did. I left three voice mail messages for this person, I believe by the name of either Ms. ** or Ms. ** regarding my concerns with the misinformation and lack in effective communication regarding my situation and NEVER received a call back or an email regarding my concerns.

As previously stated, I've received several messages informing me that my car note is late which is incorrect (based upon the verbal correspondence between myself and your company representatives in October). I am asking that a person from your company review the transcribed correspondence between myself, Samantha and Brittani and contact me with an update. I'm also asking that my records be updated to reflect that my account is current based upon these verbal communications.

Finally, I wanted to inform your company that effective October 31, 2012, I lost my job and am currently unemployed and seek assistance regarding my situation. Please contact me immediately to let me know what your company plans to do regarding my situation and whether or not any assistance or consideration will be given since I'm unemployed and can't make any additional payments on my car note aside of what I pay each month in the amount of $361.09.

All I received was a letter stating they mailed out my title. It didn't have a date when it was mailed. I was upset because the first rep stated it was electronically sent and now they stated it was mailed. The rep from the tag office stated this is an issue with Toyota and that she has heard many people tell her the same story. I have to pay almost $90 for a duplicate. I will never deal with Toyota again.

My insurance contacted me the same week explaining that they would be paying $28000 and some change completely covering the total loss and sending me a refund as well. I was ecstatic! - Money for a new down payment. Today, almost 2 and a half weeks later, after going to my dealership to sign off on paperwork to receive my refund, I'm being told that the amount quoted to me is not what I will be getting. In fact, instead of $1804 I will be getting $746 - less than half what I was told!

Last night, I was quoted $746 and today I'm being quoted $736. I was transferred three times to different departments and put on hold and got dropped after waiting for so long! I told them that if I had known Toyota Finance was going to royally screw me over, I would have never purchased another Toyota. I read their contract to her over the phone quoting that nowhere in the contract did it say in the event of a total loss, that they would apply what I owed on my warranty to my loan. I shouldn't have to speak to six different people to get a straight answer. Obviously, they gave me the best answer that they could magically come up with at the time. I was being patronized and completely talked down to! I am absolutely appalled and because of false information that I was given by Toyota, I am now screwed financially trying to figure out how I'm going to come up with 1300 dollars towards the down payment.

Last hope is customer service. However, our calls just returned basic answers like "prepayment won't earn interest," etc. without coming to details. I have sent out 4 (four!) regular letters with all the details by mail using official addresses found in my statement for payments and disputed payoffs. No response received, which is unbelievable for a credit company. So my question is, should I respect and trust TFS with the lack of transparency in their statements and such level of disrespect to customers?

3 out of the 4 people I spoke with were very rude and unhelpful. I asked to speak with any type of manager/supervisor and was told that would not be possible. Very disappointed in this whole experience with Toyota. The car I had was a lemon, even though it was said to be "Toyota Certified". I had nothing but problems with it and will never purchase through or recommend Toyota to anyone going forward, which is unfortunate because I had recommended friends and family and probably made the company another $80,000 on top of the $20,000 they had gotten from me. But as always, the "man" always gets away with screwing the consumer and did not have any solution to rectify it.

Well, listen to me Linda. We don't have thousands of dollars sitting in the bank able to absorb your incompetent errors. Now, you expect me to make a March payment, and if I don't, you want to charge me a late fee? Fix it or you will continue to get my social media wrath so that I can warn others of your poor accounting practices. Oh and when we leased the car, we paid tax upfront. So the previous month to this current error, when we changed banks, they "mistakenly" took the tax out again. Who is doing your accounting? Al Capone?

Two days after repossession, I called and found out the letter was generated. I paid the balance in full plus $450 tow fee, a $290 tow fee to take the vehicle to an auction which is 4 hours away. I paid everything in full, got a letter of release from the sheriff, not the police. I went to the police station only to find out I had to go to the Sheriff's department. I called Toyota back to hear that I have to wait till next week to pick the vehicle back up. The vehicle is in my hometown where I live, balance paid in full.

I even told Toyota to keep the $290 tow fee to the so-called auction parking lot 4 hours away. They won't let me pick my vehicle up in town. They say that it's Toyota policy and law to tow it to an auction. So now, I have to drive 4 hours next week to pick up the vehicle when I could have avoided all of that and picked it up here in town. The customer service was very rude, misleading information. They didn't inform me on collecting anything from police/sheriff office. I was lied to about waiting 15 days when it actually took 48 hours. I had to take funds to Western Union to find out that I needed more information. I had to drive back home to get all the new information when, in fact, I had asked the lady what information I needed to take down to Western Union and she replied, "Just an ID." Well, I needed an account number and address to send money, the complete balance amount, telephone numbers, etc.

So I had to call Toyota back and hold 25 minutes, speak to the same rude lady. After all of that, I called to make an appointment to the place of pickup 4 hours away and they advised me they can't make an appointment until Toyota sends a release to them. I called Toyota back, only to hear that I can't schedule an appointment until the vehicle has arrived at the auction parking lot. The debt is paid, all towing fees paid are in full, release is set up and they're screwing off, trying to make the process even harder. Bertha ** is the adviser that I beware you of. She leaves out information on purpose, is very rude threatening words. I will never again have a loan through Toyota, ever.

Original Review: Feb. 8, 2013

I have been paying ahead thinking that it would make it so that I am paying interest, but that is not the case. The interest is built into the loan. The website gives zero details about the interest being paid. I'm about 8 months paid ahead, but I am still paying interest on that money. I think that is how they get away with repossessing so many people's cars. People think they pay the loan off, but the interest charges still accrue and it is expected to be paid every month until the maturity date. They are a scam. I am going to refinance very shortly. I will never buy another Toyota again. It is funny because I was thinking about upgrading my Corolla to a Camry, but I am going to sell my Corolla and buy something that is not a Toyota.

How can this be, a $10,000 difference in value in only one year? And the paint job on the front is pitting off from a very poor paint job. I hope someone does launch an investigation. I am more than sad and wait with trepidation as to how this is going to end, probably with the estate owing because they inflated the value last year. I really need help but I'm certain it won't be from Toyota from all I have read. I have kept exact prices and the car model and year private for fear of retaliation.

I now have only 4 months left on my loan and just got another default letter, even though I am current, accusing me of missing the last 2 months in payments! The only thing I can see is that they never fixed my account and it shows my loan matured on 11/30/12 even though my billing statement shows the correct balance due with all payments being made. My online account has been made unusable also so I cannot contact them that way. I have had it with their mix-ups. I am a nervous wreck and in fear that they will illegally repo my car again! I need help and probably an attorney. They have caused me so much strife and extra money that I shouldn't have to pay or have paid, and days of lost time. Please help.

Again, their representative accused me of setting up payments, but this time with a 3rd party company which I had never heard of and even dared to say TFS doesn't recommend using them. I explained to her I never signed up with anyone besides Toyota and I just want to know who I need to call to set my account straight and get my money back. The representative gave me the number for Smart Note which she said were responsible for my payments. I called them and was informed I do not have an account with them but did provide me with a phone number for another company, "Smart Payment," and it turned out I had an account with them.

Even though I got my car through a Toyota dealership and the money was going to Toyota and Toyota was paid the balance from my insurance company, I was being blamed for recurring payments. Toyota provided my bank information to a 3rd party without my knowledge and conveniently neglected to inform me I must contact this 3rd party to close the account; otherwise, the payments will keep being debited. I think it's ridiculous that such a large corporation would have such poor customer service and be so clueless when handling people's money.

I am a Toyota Financial customer and after making my last payment in September, I now face a $1,200 interest payment due after my auto was paid off in full and not being told of the interest payment. I have read several letters from angry and distraught customers that are going through the same issue, as well as other consumer complaint websites. My wife and I are both disabled and are on fixed incomes. This whole matter with Toyota Financial has been a total nightmare and it is highly stressful when we get endless phone calls, and rude and threatening like customer service reps. We have been told our 2003 Jeep Liberty Sport would be taken if it goes to a third party collection agency and you need to borrow money from family members, pay this off today and the insults went on.

We have paid over $16,000 on this auto, more than its worth after 6 long years. If you're reading this Toyota Financial Services, I will bring legal action against you if you call and threaten us, harass us or intimidate us or demand money from us. Don't second guess me because you are done with your deceptive moves. You waive the remaining interest payments and forward the title to our address or I promise I will contact the US attorney general's office to see them open a case against you.

This rotten company will not release the title so I can junk or donate the car. They have a lien on it, yet they won't even repossess it, saving me that headache. They say it's not worth it! I am trying to do the right thing and settle with them, as other creditors have with us, but they won't. I'm seeing a lawyer to probably file for bankruptcy on them only. Now, they're getting nothing from me - they could have, if someone with any brains within TFS was smart enough to realize that I would have made a settlement payment if it were in the range of what I could afford. I'm hoping my lawyer will help me begin a suit (class action or otherwise) against this practice. If you are interested in what happens with this, or in being a part of it, I will post again somewhere because I cannot give an email address on this site.

I told her that I'm out of work and have a hard time. I asked if I could simply continue the $500 per month for the next 4 months which will satisfy the remaining $2,000. She suggested I borrow the money from friends or family and also suggested I sell something from my house, but absolutely refused to allow me to pay $500 per month for 4 months. I even asked if they would allow me to pay over the next 2 months and they refused! I can't believe that after paying over $15,000 in interest to Toyota over the past 72 months, they would not allow me to pay a lousy $500 for 4 more months. Instead they want to harass me with phone calls every 30 minutes and now repossess my car. I should have gone to a loan shark! They would have probably been more reasonable than Toyota.

I have been trying to work with them to no avail! It is obvious by the way that they treat their customers that Toyota does not care at all, even when you are trying to do the right thing. Now, I am 4 months behind and Toyota will not accept any payments from me at all, not even a partial. They are demanding the full amount that I am delinquent so they can stop repossession activity! Really? I cannot believe it. I have dealt with other auto loan companies in the past and they all have always helped their customers. Toyota Financial does not care about their customers. Buyers beware: avoid Toyota Financial!

I then proceeded to file a dispute with Toyota Financial Services, in which the next representative filed and stated I would receive a follow-up within 72 business hours. On October 8th, I followed up my case where I found out that it had not been processed yet and that it would be placed for immediate action. Today, October 10th, I received a courtesy call stating that after listening to the conversation, that there was no error on Toyota Financial Services' part. I requested it to be reopened and was told that they were not going to do that. After a few expletives, I ended the call.

I bought car for residual value about $15,000 + tax + mileage negative equity. Now I owed about $19,800 (except at 17% interest rate which is horrific). I financed with Toyota Financial Services (paid $5,000 in payments over the next 2 and 1/4 years - balance now $15,500). I have paid diligently until July 2012. I got behind by mistake and called in to correct it. I could never reach anyone. They have crazy banker's hours and not open on the weekend, much different from Lexus Financial Services. Toyota is relentless. If you get behind even one day, they will call you like the mafia loan shark. They will call ten times per day, from early morning until late at night. They don't care if they are disrupting your life or your work. They don't care if they are wrong and you are right. Even if you are on time with your payments, they say that the next payment is due.

I never ever experienced this while my loan was with Lexus Financial Services. I hate Toyota and will never ever again finance with Toyota Financial Services. I finally reached someone in August to try to sort out late payment status. The guy told me, "I'm not sure if your car will last even two weeks." I was only late one payment. Well, guess what? After paying on the same car and owning it for 6 and 1/2 years (paid a total of), I walked out to drive my daughter to school only to find my car repossessed. No warning, no chance to even try to talk to me to catch up the one and only late payment in 6 and 1/2 years, nothing. I now have no car and my credit is screwed beyond belief.

Toyota does not care about you as a consumer or as a customer. They do not care if you have paid them $30k and still owe them $15k on a car that was only worth $30k to begin with. Your loyalty or payments mean absolutely nothing. If you are a human being and make one tiny miscalculation or mistake and make only one late payment, your life will be ruined. Mine was. Please, please, please, do not finance with Toyota Motor Credit. Buyer beware!

I further disputed, maintaining that when the vehicle was turned into Nissan dealership, there was nothing wrong with the windshield - no cracks, no chips, nothing. I further argued that this damage occurred while the vehicle was no longer in my possession. The rep refused to waive the fee. What doesn't make sense is I tried to explain this to the rep but he would hear none of it. When I turned in the vehicle on the 9th, apparently it sat on Nissan's lot for 3 days before being transported to the Toyota dealer. When it arrived at the Toyota dealer, it took another day for an inspection to be performed. That's 4 days out of my possession, yet I'm still responsible for the damage that occurred.

If this vehicle was parked next to another vehicle on the dealer's lot and another customer purchased a vehicle that was parked next to it, when the lot guy went to retrieve it and opened the door on what used to be my vehicle and dinged the door, quarter panel or fender, I'm responsible? If during transport from one dealership to another, whether driven on a flatbed or tractor-trailer car carrier, any damage that could or might have occurred en route, I'm responsible for? Point is I wasn't in possession of the vehicle for 4 days before it was inspected and now they're placing me on the hook for a $220 windshield. What gives?

I've filed a complaint with the FTC/Consumer Protection Agency and contacted an attorney. The letter I received from TFS included no contact number in case of questions. They expect me to just whip out my checkbook and write them a check. Right. Sure. Right away.

I have called back every day, multiple times, only to speak to a different person each time and be told that the letter is still not ready. Each day, storage fees grow and I cannot believe or accept that a corporation as big as Toyota cannot determine what amount is owed. If there is no way to determine what is owed, then how can it be determined that the account is past due?

Further, both my mother and I, with 2 different addresses and phone numbers, are listed on all paperwork so why were neither of us ever contacted regarding past due amount or intent to repossess? This is merely a scam to enrich the towing company and punish the debtor, and I have been given a run-around for a week now.

If this is not resolved tomorrow, I will automatically accrue at least 3 more days of storage fees since the next 2 days are a holiday and Monday is a holiday/non-business day. I intend to explore all legal options as well as contact my Congress people and local/state representatives and news media. This behavior is unacceptable, immoral, and I am certain, illegal.

I have demanded for Toyota to not call me at home ever again as I will charge them with invading my privacy and outright intimidation and harassment! This issue is heading to court in June 2012 as a Civil Complaint and I may upgrade it to a criminal complaint for misusing and actually stealing my hard earned $11,800 money! Stay away from Westboro Toyota in Westborough, Massachusetts! They are a bunch of old-fashioned scam artists! Please stay away from Toyota Financial Services as they are nothing less than street hoodlums with smiling faces and crooked ways! In fact, they are both thieves and ripoff scam artists!

In January of 2012, I noticed that my account with Toyota was no longer on my Experian credit file. Shortly thereafter, I called Toyota and asked for them to report my account to Experian since TransUnion and Equifax were already reporting it accurately. After my call, during the month of January, I noticed my Toyota account was no longer appearing on my TransUnion and Equifax file as well. The credit reporting agencies claimed they did not remove the file. At first, Toyota informed me that my account was deleted because it was over 7 years old. This information is incorrect since accounts paid as agreed generally remain a credit file for up to ten years from the date of last activity (DLA).

Recently, Toyota sent a statement to the BBB that they inadvertently sent a request to all 3 credit reporting agencies to have my account deleted and stated that they can not reverse this process. This incident has caused me some great concern since deletion of my positive account information impacted my credit history and score. I am still confused as to why Toyota can not report to all 3 credit reporting agencies (Experian, Equifax, and TransUnion) my positive account information that they mistakenly deleted.

I have contacted the Better Business Bureau and my attorney general regarding this matter. I have also tried reporting my TFS account information to the credit reporting agencies directly, but they claim that only the "creditor" can have the account reported to them, even if it was closed in good standing. I'm not sure what steps to take next.

About a year after receiving my first extension and the returned payment, I started receiving collection calls from Toyota stating I had missed a payment. We figured out that they were counting the payment they had sent back to me as a missed payment now! I went back and forth with them and they insisted I make a double payment to catch up, which of course I couldn't financially do. So they kept calling, waking me up every single day. So I asked that they not call and they put me on a do not call list. I noticed on my bill that they kept charging me late charges every month, when my payments weren't late. I sent proof of payments, I talked with supervisors, I spent hours on the phone with people and the only response I ever received was my payment statement, every time. So I thought I would deal with the over charges at the end of my loan and haggle it out then.

Well last Monday, April 2nd, my car was repossessed. I am overpaid on my loan, because I make larger payments than what is due each month and they took my card! Now I keep getting put off, even though they admit there is something wrong with my account. It is now 1 1/2 weeks and I am without my only vehicle that I also use to get supplies for my cafe and I have a disability. They have sent me a letter telling me what I need to pay to get it back and that I have to travel 100 miles to get my car and pay storage fees on top of that! They have stolen me car from me after I paid $24,000 on it with only $3,500 left on it. They also have my payments wrong and their own statements don't agree with each other, one saying my balance is $680 higher than what I actually still owe on the loan. What do I do?!

About a year after receiving my first extension and the returned payment, I started receiving collection calls from Toyota stating I had missed a payment. We figured out that they were counting the payment they had sent back to me as a missed payment now! I went back and forth with them, and they insisted I make a double payment to catch up, which of course I couldn't financially do. So they kept calling, waking me up every single day. So I asked that they not call and they put me on a do not call list. I noticed on my bill that they kept charging me late charges every month, when my payments weren't late. I sent proof of payments, I talked with supervisors, I spent hours on the phone with people and the only response I ever received was my payment statement every time.

So I thought I would deal with the overcharges at the end of my loan and haggle it out then. Well last Monday, April 2nd, my car was repossessed. I am overpaid on my loan, because I make larger payments than what is due each month, and they took my car! Now I keep getting put off, even though they admit there is something wrong with my account. It is now 1 and 1/2 weeks and I am without my only vehicle that I also use to get supplies for my cafe, and I have a disability. They have sent me a letter telling me what I need to pay to get it back, and that I have to travel 100 miles to get my car and pay storage fees on top of that! They have stolen my car from me after I paid $24,000 on it with only $3500 left on it. They also have my payments wrong and their own statements don't agree with each other. One saying my balance is 680 higher than what I actually still owe on the loan. What do I do?

Last time, my son went to Mozambique. I had exactly the same problem and we never ever received the border letter. If they had anyone of intelligence on the other end of my correspondence, I have no doubt that this could and would be sorted out! Service is completely and utterly sub-standard and leaves much to be desired.

I filed a dispute online through Equifax and today, I got my results back. Toyota confirmed the account discharged in bankruptcy in May 2010. Where are the $15K I paid in the past two years? Where were all the funds applied to? Obviously, someone's been pocketing the money since my account was closed in May 2010! I want to take them to court and sue them for misrepresentation. Can someone give me an advice? Last month, I bought a $40K Ford Edge, financed through Ford (very low interest rate). I will never buy a Toyota again. A lot of my co-workers fell in love with my new car and are working on purchasing similar cars for themselves. Toyota, you're going to lose!

Two days later, I called Toyota Financial Services again in hopes of working out a payment plan of some sort that would satisfy them and secure my car. This collector told me that I had 60 days to pay off the balance or the account would be turned over to a third party collector and the car repossessed. In fear of having a repossession on my credit bureau, I went out two days later and traded in a perfectly good car and incurred another loan on a new/used one. I began to monitor my ToyotaFinancial.com account balances and saw on 2/16/12 where the dealer's check was posted against my account and I had a credit balance in excess of $4,200!

I called Toyota Financial Services and was told to wait a couple days for the computers to catch up with one another. As ridiculous as that sounded, I did wait and the $4,200 credit remained on the account. I sent emails to Toyota Financial through the secure website and the very next day, the account was reported as closed and I could no longer access information on the account. I asked for an account history to verify that what I owed them was actually the balance. I've received two different types of account histories and they are both different. They reported different amounts as being received from the dealer in payoff and they show me owing an additional $553, one time in a past due balance and another time in late charges. No matter how I crunch the numbers, I can't make the amount paid in principal and interest work out to the final payment amount.

I finally talked to someone in their executive offices in California who sent me the account histories, two different versions, on three separate occasions. He informed me that he waived the $553 and that my account is now closed. I financed just under $20,000 for my Avalon and ended up paying over $38,000 for it. That's nearly a 100 percent return. When I got the loan in 2006, it was at a high interest rate. I was told that I could apply a year later to have the interest rate brought down. A year later, I was told that Toyota Financial Services does not refinance loans. I have retained an attorney and am going to pursue getting the credit refunded to me. My experience with TFS has been awful and I'll never own another Toyota, after having both a Camry and an Avalon.

Well, wouldn't you know, come the middle of February, I get a call from Toyota Financial asking for my January payment, I explained that about the phone call and being told by Toyota Financial that I could skip two months, plus I never received a call nor letter stating I was not approved, only to be told by them that they were sorry I was given false information and they did not know why I was not sent a letter (maybe because you did not sent it) but I would need to make both payments. If this is the way Toyota treats returning customers, I will never own another Toyota. P.S. I ended up trading the truck for something cheaper like a Kia that has a way better warranty.

A year later I started getting repeated phone calls from someone who would not identify himself. Eventually I found that a collection agency was calling. I explained that I wanted to see a bill. Still no bill. For years now I get a yearly call from a collector trying to ask for money I never owed. My credit is ruined and gets worse. There really seems nowhere to turn to fight such unethical "business" practices. Recently I called Toyota and asked them to send me a bill. They asked for my address and were surprised when I gave it to them.

They reported that was not where they had been billing. When I asked where they sent my bills all these years (and given that I have never moved), they refused to tell me. I have not seen a bill from Toyota since a month after they repossessed my car. So I am out $3,500 for a car I had for two months before they repossessed without warning. As if the money and humiliation were not enough, the ongoing destruction of my credit with no recourse is terrible.

On 10/28, I was driving to the store and a tow truck started following me--aggressively motioning me to pull over. I did not. At a stop sign, Mrs. repo jumped out and tried to open my passenger door. At a stop light, the repo man cut me off and Mrs. repo climbed on the hood. I called the cops. I told the cops that I would voluntarily leave it for them and to give me 45 minutes.

Anyway, in addition to that problem, they also seem to be ignorant of customer's billing dispute rights under the Fair Credit Billing Act, as they have made no formal acknowledgment of my dispute of the payoff amount and seem to be about to make negative credit reporting and collection efforts on the disputed amount. They don't even provide a time deadline when a payment received is to be posted to the account on the same day, also as required under the law.

The entire operation appears to run on auto-pilot, nobody with decision-making authority can review and override any of the numerous automatic decisions made by their computers.

I also have a leased Corolla that I took over (through TFS) from another party. Initially, they took 2 months to process the paperwork (according to Toyota, this is standard...wow! ), but then, they sent out my prepaid FedEx package to a different Toyota dealer God knows where (I came to know via FedEx). The package finally made it to me but it took over 3 months. My situation later changed and I was looking to get out of the lease so I contacted TFS to get paperwork processed for an interested party looking to take over my lease.

As usual, TFS took their sweet time in responding and by then the party had already lost interest. This happened to me with 2 different interested parties. Additionally, got my Corolla broken into and an insurance check was mailed to me to be endorsed by me and TFS in order for it to clear. I mailed the check in the 2nd week of Nov-2011 and a month and several phone calls later, I have yet to receive the check. They keep saying they mailed it out (just like my Lexus Title). Again, I am receiving all my mail including TFS correspondence from these companies. By far, the worst company I have dealt with in any sense.

Toyota Financial Services needs to make sure the bank check clears before they send out a car title. Also, they need to double check their records next time and make sure they don't make the same mistake next time. They made the mistake and I needed to correct or they were going to take legal action against me because they made the mistake. I want Toyota Financial Services to apologize for their error and pay me for my time and effort correcting their mistake.

Two months later, a police officer showed up on my doorstep stating that my account with Toyota has been suspended due to alleged fraudulent documents. Without seeing these documents, I advised the officer that I have been a victim of identity theft and internet hacking. I showed him multiple documents of SAPOL e-crimes divisions investigations of Brian ** of USA and Ukraine, for criminal identity theft and computer fraud. Brian ** has also used my IDs and business IDs to illegally gain access and take over emails and websites. I also showed him my fraud issues that have been raise to Veda and to our old Bank SA. In which, Bank SA was continually hit with the fraud causing us money loss, having to change cards multiple times, open and reopen bank accounts. My husband and I finally left Bank SA due to their inability to regulate the fraud. When I spoke to the officer, it would seem that a fraudulent bank statement was sent to them.

The officer investigated all the information given and found there not to be anything fraudulent as we were making payments to Toyota Finance on time and we had the same about the money in our new bank accounts. I later called Walter ** of Toyota Finances about the account and the issue that had been raised. He informed me that he personally thought I was nothing but a fraud and when I told him that I was not and that he cannot call me a fraud and that, that was slander. He said it wasn't because it was his personal opinion of me that I was nothing but a fraudulent disgrace to society. This conversation made me so upset because I haven't done anything. Walter then informed me that he was taking my car. I asked him why, and he stated because you are a fraud. I told him the police says that I'm not. He stated that he doesn't agree with the police's findings and that he can do what he wants. I said that he isn't above the law and he said that he was.

So now this past Friday, my car was taken off the street without warning. I called Walter to ask what was going on and he said that the car was his. I said where is his court order and he said that he didn't need one. So now my car is gone and of 10000 dollars worth of computer/camera equipment and electrical tools which Walter is now holding for random until we give the car keys up.

The resolution I would like Toyota to reinstate the loan (we made all the payments for it on time), my personal items back and documentation to sue Toyota for Breach of Peace, Libel, Slander, Harassment, Grand Theft and blackmail.

They have no customer service at all and they have done nothing at all for me. They said that I can pay next week after this bounces with a late fee.

According to Toyota Financials Account Manager, there is no way for them to remedy a solution so it's interesting that the managers are held by their computers.

In the mean time, with no notice about a repossession man at my door, I cleaned out the car and let him have it. I got a call from Toyota Financial Services the next day to see if they could make payment arrangements. I told her that the vehicle had been repossessed the previous day. She was stunned and said that the account had not been documented as repossessed.

When I received the payment history, I called to get an explanation because it was a mess, not just payment and balance. Then, I just said "to ** with it." I received the early termination statement showing what they sold the car for and what my balance due was. The balance due was half of what the insurance check was for (it shows how much the body shop was going to make on the repairs). I signed the check and sent it to Toyota Financial Services.

I called today to verify the account had been paid off and I would get the refund. The account was paid off and she said that it would take 60 days to get the refund, giving the check time to clear. Is this even legal to keep an overage that long? I found Toyota Financial Services very unprofessional, and no one seems to know what the other is doing or saying. I did not say anything when the car was repossessed without any notice. I paid the balance the same day the Early Termination Accounting Statement came in the mail. Now, they are keeping my overage for 60 days. Why would such a large company be so messed up? Toyota Financial Services should get it together!

I have had to pay wrecker bills, plus untold expense on this lemon of a car. I'm afraid to drive it because it won't start half the time. I have had almost three years and driven a little over one thousand miles. I will never buy from Toyota ever again. I feel trapped. I owe way more than its worth with a large payment that I can't trade it in. I owe way too much. And you can't talk to them on the phone. I am considering legal action.

The consequences is they put more late fees in my account, they destroy my credit, putting more months in my account and that way they destroy my credit history. I even make a complaint with BBB in that time. Now, a debt collector have the account and they trying to sue me even I offer a settlement payment. They send papers to another address and they rude with me even I told them that I don't own that amount. Please help me.

So I contacted Toyota Financial Services and was directed to the Gap department and I told them that I would like to cancel the Gap insurance. I was instructed to write a letter stating the reason for cancellation, which I did and sent to them on 01/27/11. Then a week later, I called to find out the status of the Gap and I was told that this Gap insurance cannot be cancelled and was told that in the state of New York where I reside that I am not allowed to cancel after purchasing it. I was asked to go and read my contract, that it was stated, so I went to read my contract and there it was stated that the Gap insurance cannot be cancelled. Based on that I said to myself that I am stuck so I decided to keep my car because people are not willing to pay $485.00 to take over the lease.

I decided to keep the car. But all of sudden, I saw a credit of $195.00 in my account and when I called Toyota Financial, I was told that the Gap insurance on my car has been cancelled that is why I have that credit. I was furious and I was transferred to the Gap department and there I spoke with Mr *** who confirmed all that I wrote here but told me that the GAP was cancelled in an error. I then told him to reinstate it back because you told me that I cannot cancel it and that affected my decision of keeping my car and now you cancel it.

He then asked me if I want it back and I said yes. Then he put me on hold for like 2 minutes and he came back to tell me that he is sorry that once this is cancelled that it can not be reinstated. I asked him and reminded him of what happened and what they told me and what my contract says. He just told me that there is nothing he can do about it because I wrote them a letter requesting the cancellation. I pointed to him over and over too that they asked me to write that letter and 4 days after that they tell me that I can not cancel the Gap once it is purchased and I let it go because I went to read my contract and it was stated that I cannot cancel it. Then if you cancel it in an error they should rectify it immediately.

I was only credited $195.00, but I have still have to make $485.00 payment every month. Before the Gap insurance was purchased, my monthly payment was $460.00 so with the cancellation why should I continue to make $485.00 payment for 34 months. This is unfair This is why I wanted it to be reinstated.

When I left the dealership's service area, my car shut off after they supposedly repaired. Later, it was determined that it needed an alternator. Now, after I have spent over $30,000 for this car and recently paid $900.54 on 12/4/2010 and plan to pay another $800 on 12/30/2010, they're harassing with a Notice of Right To Cure Your Default Letter. They're asking for an additional $1402.66 plus December's payment of $750.84 by 1/03/2011. This is even though the letter dated 12/22/2010 reached me on 12/27/2010. There are also indications that they are discriminating against Black customers by offering them used cars instead of new ones and marking up the finance contract's interest rates and monthly payments on Black customers.

I am at risk of losing the high interest vehicle I have and Toyota does not seem to be willing to help in the least. I am unemployed now and have two kids that depend on me. With all the bailout the car companies have gotten, it still seems to make it hard on the ones that are trying. I have had perfect credit with this payment until now and they are still looking at the bottom number. Well the bottom number does not reflect the hardships I have had to endure to make this stupid car payment for the last three years and doing without sometimes. I just wanted to say the creditors and dealers are so unfair to the people that are trying to be honest and fair in this life and get the short end of the stick as always.

I feel that I am being taken advantaged of. I needed a car so I was not thinking about the long term. I really think this needs to be addressed but they will not listen to me at all. Twenty percent is a very high interest rate and the gentleman said this is the highest he has ever seen working for the company. If there is anything that can be done, please reply with a call or an email. I look forward to hearing from someone. I think this is unfair to me and anyone going through this. They have turned down other people with better credit than me and this should be addressed.

This process easily generates money to any dealer by selling many cars in a day, granting 99.99% of the customer do not read the contract, for three reasons, 1) They will not understand it, 2) The number of pages they have to read, 3) The dealer went over the contract with the customer?! While ideally, the customer have two options, 1) Bring a lawyer to help with signing of the deal, 2) Customer take home all the papers needed to be signed of and read them carefully and when satisfied, come back to dealer. This will cause a drop with the dealers sales tremendously!

In my case, after 5 years, the lease ended in September 1. I returned the van to Toyota dealer on Brook Park road, and sales people kept saying that I do not have to clean or detail the van. 3 weeks later, I received a bill from dealer (Toyota Financial) charging me $500 for excessive wear, where there is no dents or broken parts. I am charged for corrosion in the tire rims! In addition, I was charged .30 cent per additional mile, while according to the sales person I will be charged .15 cent per additional mile.

I called Toyota Financial, and first thing, they asked me if I did read the contract? The contract which the dealer verbally went over it while leasing the van! This is cheating, betraying and illegal by bluffing the consumers. I did lease from GM and they never charged me for excessive ear, actually they waved the cost of the 1,000 miles which I went over. I know I will lose the argument with Toyota, but I feel consumer like us should be protected from dealers like Toyota, and should be posted on the news as an awareness.

Again, I patiently listened to the "this call may be recorded for quality purposes," and once gain before he was even through he said hello and hung up. I'm not sure if this is a technical problem on their phones or if their workers are just used to being hung up on regularly but it is very annoying. I finally demanded to speak to a manager to at least make him aware of the situation.

And basically I got the runaround, pay your bills and you wouldn't get a call from us. They were very rude assumed just because I owed a mere $100 that I was a liar and had no business to address this issue with them. They kept saying it's not our intention to do this. Whether it's their intention or not it's happening to me and from Google, it's happening loads of times. I'm sick of getting calls and getting hung up on even after I insist I will pay them as soon as I get paid.

The car was repossessed, in spite of the fact that the "Soldiers' and Sailors' Civil Relief Act of 1940" clearly states that if a Service Member is unable to comply to financial obligations due to military service, all legal actions must be supspended until such time that the Service Member is no longer materially impaired by active duty. Upon contacting them, I was told that they really couldn't do anything about it.

Now, my daughter doesn't have transportation to and from work (I live in a different state and am unable to provide transportation). Her father's credit has been adversely (and illegally) affected. It amazes me that a man can go to another country and participate in a war to protect our nation's way of life - and the very people he is protecting will stab him in the back because he isn't here to defend himself.

Toyota has no choice in the matter. It must abide by the law. Tina should contact her Congressman -- Rep. Doc Hastings (R-WA 4th) -- and ask that he assist her in communicating forcefully with Toyota.

On July 30, 2001, I went to pick up my son at the baby sitter and when I came out, my car was gone. I was told by some woman that the car was towed away. I then called the Elizabeth Police Department and they informed me that the car was repossessed. I never received notice from Toyota that my car was going to be repossessed, never received notice that I was in default. They claim they called me at work but I never received any calls from them. They did not try and contact me at home either.

When I contacted Toyota the next morning I was told that in order to get my car back I had to pay them the full amount owed to them and I had to wait approximately two weeks to receive a letter from them and that they could not discuss this matter with me any further. I explained to him that I had proof that the money orders were sent to them and that I was only really a month late because July was due on July 20, 2001 and I have a ten-day grace period. He said that was not his problem that even if I could prove that the payments were made once the car is reposed the only way to get it back is to pay them the full amount owed.

I have sacrificed for 2 1/2 years paying this car for an approximate total of $15,000 that I have already paid for them to take it from me for only two payments. No notice no phone call, nothing. I was left stranded with my six-month-old baby and all my belongings were taken along with my car.

When I went to pick up my belongings, I was told that I was not allowed to remove my things that they had to do it for me. They treated me as if I were a delinquent and insulted my husband as well.

On inspection it was revealed that this car had bad compression in two cylinders as a result of enormous sludge deposits. Toyota of USA refused to service and repair under its drive-train warranty claiming lack of maintenance. Mr. Efron declined to share in the costs of replacing the engine which was recommended. Apparently the car was dumped on the auction block by Toyota Finance without proper maintenance or the odometer was turned back to have that much sludge in it.

The economic consequences are we will have to replace the engine. Estimates have been as high as $8,500. We have be rejected by three Toyota dealerships and Toyota of USA in regards to honoring their warranty. We have taken time from work to drive this car to the dealerships. We have had to borrow cars to get to work. We have been emotionally exhausted dealing with Toyota, Mr. Efron and the dealerships. We have only had the car 4 months. It has less than 40,000 miles and we have maint. records for the period that we have had it.

Since then I have always paid. If late the payments still gets there. I was laid off but still managed to pay. I just recently sent a payment of $500 which they should receive by 11/13/00. They still would not update my info and kept telling me they didn't give a damn. I have all my cashier checks and not one time have they been sending information to my p.o.b. (statements), but i continue to send them the payments no matter what.

My car was taken from my job 11/13/00 at 1:55 a.m. and I have no means of transportation. My purse was inside my car, my identification and my credit cards and $200 cash was in my wallet and there is also a gun inside the purse which is my spouse's. I have purchased new Christmas toys that I had in the trunk along with a new coat, my Primco cell phone and speed radar.

In July 2000 I tried to get in touch with Toyota to find out where my car was since I had put $6000, down and paid monthly for 3 years and felt I was entitled to compensation for at least part of it. I was given the runaround by everyone at the dealership and the credit corp. It was suggested I wrote to Ed Turon for this info and I did so on 8-7-00 mailing it registered, return receipt. To this date I have not received a response.

I now have bad credit and cannot purchase a house. I am also being refused for a car loan. My credit will be destroyed if this item is not removed.

Cheryl needs to send a certified, return-receipt-requested letter to Toyota, the collection agency and the credit reporting bureau explaining the circumstances. If the charge is not removed, she should contact an attorney.

I am fronting $8,000 in cash and financing $3,000. This dealership is trying to charge me $800 over my residual just to process the paperwork. This is ridiculous!

I feel cheated and lied to. Is this right? The manager ... had me so upset tonight, I ran out in tears.