Complaints

This profile includes complaints for Toyota Motor Credit Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Toyota Motor Credit Corporation

  6565 Headquarters Drive, W2-5A Plano, TX 75024-5965

• 

  Toyota Financial Services

  11625 Rainwater Dr STE 200 Alpharetta, GA 30009

• 

  Lexus Financial Services

  P.O. Box 4102 Carol Stream, IL 60197

• 

  Toyota Financial Services

  500 Kehoe Boulevard Wheaton, IL 60187

• 

  Toyota Financial Services

  155 Pfingsten, Suite #225 P.O. Box 895 Deerfield, IL 60015

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/05/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Monthly statements do not reflect a breakdown of interest and principal amounts. I requested to have the monthly statements reflect the breakdown of interest and principal charges and was denied. The representative at Toyota Financial Services (TFS) was rude and uninformative. By law a statement needs to provide a breakdown of how much of each payment is applied to principal and interest. This information helps borrowers track how their payments are distributed. However, Toyota Financial Services will not do so. I am requesting that they do.

  Business Response

  Date: 05/14/2025

  May 14, 2025
  BBB Case# ********
  ***** *******
  Account Number: *********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by ***** ******* regarding their billing statement. First and foremost,we would like to extend our sincerest apologies for any frustration Mr. ******* endured when contacting our ******************** regarding the same matter.    
  
  Please be advised TMCC/TFS is not legally obligated to provide a billing statement that includes a comprehensive breakdown of each payment. The monthly billing statement is intended to provide a general summary of the loan information,including account number, current amount due, and principal balance. While finance charges are calculated on the date a payment is received, they are not itemized within the billing statements.
  
  Nevertheless,we will attach a summary of all payments received as well as a breakdown of principal and interest for each payment.  
  
  To Further assist, *** has implemented an online tool for customers to review payments made on their TFS account via the *********************** Website. By selecting View/Edit payments, and accessing Transaction History, customers can click on the cross sign to expand each payment to view interest paid and principal amount. Customers also have the option to export or print their account history information by clicking on the Export or Print button, compatible with Excel, Quicken.
  
  TMCC strives for excellence in customer satisfaction, and we appreciate the feedback he has provided regarding this matter. We recognize that this is not the resolution Mr. ******* was seeking but hope that it provides an adequate explanation of the resolution available. If Mr. ******* has any further questions,he may contact our ************************** directly at **************,Monday through Friday.
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission.
  
  Toyota Financial Services is a service **** of Toyota Motor Credit Corporation (TMCC).Retail installment accounts may be owned by ****, or its securitization affiliates and lease accounts may be owned by Toyota Lease Trust (TLT) or its securitization affiliates. **** is a service for accounts owned by ****, ***,and their securitization affiliate. 

  Customer Answer

  Date: 05/14/2025

  I have reviewed the business response and accept this resolution. However if TFS would like to insure customer satisfaction a detailed statement of where monies are allocated, principal and interests, should be transparent on a monthly billing statement. 

• Initial Complaint

  Date:05/02/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I bought a vehicle car in October 2022. I set up my account to be reoccurring. Payment, do the Lexus financial system. The system was withdrawing payments every month for the last 3 years, up until may, I hadn't had any notices for late payments? And all of my statements say that there was no late payment today i received the email that said that my account was late. A Moth, so I contacted the Lexus financial, and they told me that it's a late payment. All the way from October of 2022.And now they're expecting me to pay $2000 inner rears, when this is not my error the person in their resolution scene could not figure it out. She could not figure why I was getting 0 balance every month when the $2000 has been for the last 2 years. And not reporting on my Lexus, financial account or my billing statements. She says she'd think it was a billing error through their accounting, but she did not know. I should not be responsible for pain.This amount or at very least having to come up with an additional $1000 along with my car payment at 1 time. It's unreasonable, and it's not fair. And it wasn't my mistake, I have been paying my carnote on time every month, the last 3 years. And I recently in April, remove the reoccurring payment. And now, this month, when I set up bill, pay through my bank. That's when the payment shows. Then I'm late, so Lexus financial wants me to take their word after 3 years that I missed some kind of payment. When my first payment on my account says a hundred and twenty five dollars was due.And that's what I paid

  Business Response

  Date: 05/22/2025

  May 21, 2025 
  
  BBB Case: ******** 
  Contact Name: ********************************* ********** 
  
  The **************** of Lexus Financial Services (LFS) is in receipt of the complaint filed against Toyota Motor Credit Corporation (TMCC) and LFS regarding TiaBonds request for assistance with the above-referenced LFS account.  
  
  LFS thanks our customer for bringing their account concerns to our attention. We would like to properly address their concerns, and we appreciate their patience while we have reviewed the account. 
  
  *** **** signed their contract on September 16, 2022. Their contract obligates them to make 72 payments of $1,135.11. By signing this contract, they agreed to the terms and conditions, which include their obligation to pay in accordance with the payment schedule and all other terms and conditions.  
  
  Our records reflect that the first payment was due as of October 31, 2022; however, a payment in the amount of $125.25 was posted to the account effective for that date. The second payment posted to the account was effective as of November 14, 2022, in the contracted amount of $1,135.11 and covered the remaining due for the first payment in October. Additionally, the first billing statement was dated September 20, 2022, with a payment due date of October 31, 2022, in the amount of $1,135.11. A copy of the first billing statement is included with the response for our customer.  
  
  Over the term of the loan thus far, payments were scheduled and posted within the window prior to a late fee being assessed; however, never on the scheduled due date. Our records also reflect that LFS received a check in the amount of $44,041.52 dated May 15, 2025; however, the?payoff amount was $42,853.96; therefore, the refund will be issued in the amount of $1,187.56 once the funds clear after a 10-day hold and processing has been completed.  
  
  Please know that Lexus Financial Services strives for excellence in customer satisfaction. If there are any additional questions regarding this concern, please contact us at **************. 
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission. Lexus Financial Services is a service **** of Toyota Motor Credit Corporation (TMCC). Retail installment accounts may be owned by **** or its securitization affiliates and lease accounts may be owned by Toyota Lease Trust (***) or its securitization affiliates. **** is the servicer for accounts owned by ****, ***, and their securitization affiliates. 

  Customer Answer

  Date: 06/16/2025

  The manager there called me twice both times I was in a meeting and I have tried returning their calls I have left message I even let the person know that contacted me to tell me that my tags were in by email and by text that I've been trying to reach the manager there and no one has returned my call to resolve this matter

  Customer Answer

  Date: 06/18/2025

  I am rejecting this response because:   The manager there called me twice both times I was in a meeting and I have tried returning their calls I have left message I even let the person know that contacted me to tell me that my tags were in by email and by text that I've been trying to reach the manager there and no one has returned my call to resolve this matter

  Business Response

  Date: 06/25/2025

  June 25, 2025
  
  BBB Case: ********
  Contact Name: *** ****
  Account Number: **********
  
  The ***************** of Lexus Financial Services (LFS) is in receipt of the follow-up complaint filed against Toyota Motor Credit Corporation (TMCC) and LFS regarding *** ***** request for assistance with the above-mentioned LFS account.
  
  ********************************************* Services records do not align with *** *****. *** does not have record or visibility to the status of *** ***** registration decals associated with this vehicle. Additionally, our records reflect that the account is closed and paid in full as of May 22, 2025, and that the title was sent to Dallas Dodge in ******, ***
  
  LFS is unable to assist; therefore, we have determined we are not the proper party to address this matter. We respectfully request that *** **** contact their local Department of Motor Vehicles (DMV) or the dealership for support and assistance with their concerns.
  
  Please know that Lexus Financial Services strives for excellence in customer satisfaction. If there are any additional questions regarding this concern, please contact us at *************.
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission. Lexus Financial Services is a service **** of Toyota Motor Credit Corporation (TMCC). Retail installment accounts may be owned by ****, or its securitization affiliates and lease accounts may be owned by Toyota Lease Trust (***) or its securitization affiliates. **** is the servicer for accounts owned by ****, ***, and their securitization affiliates.

• Initial Complaint

  Date:05/01/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I filed a payment extension agreement, twice in January. They recieved it. I've talked to them 6 times about this, and they refuse to give me the extension they said they would give me and continue to put on late fee, and interest.

  Business Response

  Date: 05/19/2025

  May 19, 2025
  
  BBB Case: ********
  Contact Name: ****** *****
  Account Number: **********
  
  The ***************** of Toyota Financial Services (TFS) is in receipt of the complaint filed against Toyota Motor Credit Corporation (TMCC) and TFS regarding ****** ****** request for assistance with two payment extensions associated with the above-referenced TFS vehicle account.
  
  We thank our customer for bringing their account concerns to our attention; *** would like to properly address their request, and we appreciate their patience while we have reviewed the account.
  
  Our records reflect that *** spoke to ****** ***** on January 8, 2025. During that conversation our customer requested two (2) payment extensions for the months of December 2024 and January 2025. *** honored their request and sent documents requesting both the primary and the co-signers signatures to allow *** to update the account. The signed documents were received on January 28, 2025.  Due to an inadvertent error, the documentation was processed on May 8, 2025. The account has been successfully updated, confirming both payment extensions.
  
  As a courtesy,TFS has waived the total amount of late charges that have been assessed to the account in the amount of $175.43.
  
  Additionally, based on our findings, TFS has proactively contacted the *************************** (CRAs) to correct the adverse information being reported on the account associated with the delayed processing of both payment extensions. We ask that our customer please allow up to 30 days for the **** to update their records accordingly. Additional documentation confirming this update is being sent under separate cover to the address in our system of record and is dated May 15, 2025.
  
  Please know that Toyota Financial Services strives for excellence in customer satisfaction. If there are any additional questions regarding this concern, please contact us at *************.
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission. Toyota Financial Services is a service **** of Toyota Motor Credit Corporation (TMCC). Retail installment accounts may be owned by **** or its securitization affiliates and lease accounts may be owned by Toyota *********** (***) or its securitization affiliates.**** is the servicer for accounts owned by ****, ***, and their securitization affiliates.

• Initial Complaint

  Date:04/30/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dear BBB Representative,
  
  I am submitting this formal complaint regarding an issue I’ve encountered with Toyota Motor Credit Corporation and the GAP insurance provider affiliated with them.
  
  I was financing a 2019 Tesla Model 3 (VIN: *****************) through Toyota Motor Credit Corporation (TMCC) when the vehicle was declared a total loss. My insurance provider paid $20,386.93, and the GAP insurance provider paid only $9,182.35, leaving me with a remaining balance of $7,620.80 that I am now being asked to pay (see attached letter dated 04/22/2025 from TMCC).
  
  I contacted the GAP insurance provider, and I was informed that they reduced the payout because I had made payment extensions during the loan. This was never clearly disclosed to me during the purchase or financing process, nor is it something I would have reasonably understood to drastically reduce GAP coverage in the event of a total loss. The purpose of GAP insurance is to cover the remaining balance between the vehicle’s actual cash value and what is owed, especially in situations like this.
  
  I find this practice deceptive and predatory. The $7,620.80 remaining balance is due to an arbitrary exclusion that was neither adequately disclosed nor justified. I believe this violates consumer trust and the spirit of California’s ******** **** ****, which aims to protect consumers from unfair GAP insurance practices.
  
  I am requesting:
  • A full review and adjustment of the GAP insurance payout.
  • Waiver or cancellation of the remaining $7,620.80 balance.
  • Confirmation that my credit will not be negatively affected during this dispute.
  
  Please assist me in holding the company accountable and helping to resolve this financial burden fairly and transparently.
  
  Thank you for your time and attention to this matter.
  
  Sincerely,
  ******** **********

  Business Response

  Date: 05/07/2025

  May
  7, 2025
  BBB
  Case# ********
  Mohammad
  **********
  Account
  Number: *********
  
  This
  is in response to the complaint filed against ****** Motor Credit Corporation
  (TMCC) by ******** ********** regarding his GAP claim after total loss. First
  and foremost, we are sorry to learn his vehicle has been deemed a total loss
  and we hope all parties involved are safe and well. We understand this can be a
  challenging time, and we hope things have improved for Mr. **********.  
  
  It
  is important to understand that ****** Financial Service’s (TFS) relationship
  to the dealer is that of a financing source, similar to a credit union or a
  bank, and the dealership is an independent business entity over which TFS has
  no control. Furthermore, TFS is not involved in the negotiation process between
  customers and the dealership (AutoNation ****** *******) and solely relies on
  the terms and conditions that appear in the written contract we receive.
  
  Our
  records indicate on October 08, 2022, Mr. ********** signed a contract for the
  purchase of a 2019 Tesla Model 3 for sixty payments of $1,014.73, beginning
  November 22, 2022. By signing this contract, he agreed to the terms and
  conditions which include liability to repay the loan in accordance with the
  payment schedule, interest rates, optional product, and the length of the term.
  As outlined in the attached Guaranteed Auto Protection Program (GAP)
  documentation, Mr. ********** will remain responsible for any unpaid payments
  and other unpaid charges prior to the date of total loss.
  
  On
  May 01, 2025, Mr. ********** contacted our Total Loss department regarding the
  GAP claim, he was informed that the full remaining loan balance claim was
  denied. This denial was based on the number of payment extensions granted
  during the life of the contract prior to the date of total loss. Records
  indicate and as reflected on the attached payment history he was granted a
  total of seven extensions. As a result, Mr. ********** will be responsible for
  the deficiency remaining loan balance.
  
  TFS
  strives for excellence in its customer satisfaction; we recognize that this is
  not the resolution Mr. ********** was seeking but hope that it provides
  adequate explanation of the resolution available. If Mr. ********** should have
  any further questions, he may contact our Customer Service Center directly at
  ***** ********, Monday through Friday.
  
  We
  may include Personally Identifiable Information (PII) as necessary to the
  complaint as submitted by the customer. We do not control how or whether the
  BBB safeguards our response or the PII in our response after submission.
  
  ****** Financial
  Services is a service mark of ****** Motor Credit Corporation (TMCC). Retail
  installment accounts may be owned by TMCC, or its securitization affiliates and
  lease accounts may be owned by ****** Lease Trust (TLT) or its securitization
  affiliates. TMCC is a service for accounts owned by TMCC, TLT, and their
  securitization affiliate

• Initial Complaint

  Date:04/28/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I asked Toyota Financial to Defer a payment on my lease at the beginning of April and they approved the deferment for one month. I did everything they said and faxed in the paperwork I needed. I called them back and they said that it should be approved. I then called them back again and had to make the payment so my lease wouldnt go 30 days late. They did not approve the deferment and lead me on to believe it was approved. This is bad business practices and made me late on my payment. I am very angry at this company for leading customers on to believing something was getting done when it never was done.

  Business Response

  Date: 05/09/2025

  May 9, 2025
  
  BBB Case: ********
  Contact Name: ******* *****
  Account Number: **********
  
  The ***************** of Toyota Financial Services (TFS) is in receipt of the complaint filed against Toyota Motor Credit Corporation (TMCC) and TFS regarding ******* Clarks request for assistance with the above-referenced TFS vehicle account.
  
  We thank our customer for bringing their account concerns to our attention. *** would like to properly address their request, and we appreciate their patience while we have reviewed the account.
  
  Our records reflect that on April 3, 2025, our customer requested an additional payment deferral for the month of April. *** honored their request and granted the deferral. As requested, the signed documents confirming the deferral terms and conditions were returned to *** on April 10, 2025. The deferral fee in the amount of $392.65 was also paid and posted to the account effective for April 10, 2025; however, a monthly payment also posted on April 25, 2025, in the amount of $1,222.77, therefore, delaying the deferral being processed and the system being updated.
  
  As of Monday, May 5, 2025, the account has been updated to reflect the deferral. As of the date of this response, the account is current, and the next payment is due on June 3, 2025.
  
  Please know that Toyota Financial Services strives for excellence in customer satisfaction. If there are any additional questions regarding this concern, please contact us at *************.
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission. Toyota Financial Services is a service **** of Toyota Motor Credit Corporation (TMCC). Retail installment accounts may be owned by **** or its securitization affiliates and lease accounts may be owned by Toyota Lease Trust (***) or its securitization affiliates. **** is the servicer for accounts owned by ****, ***, and their securitization affiliates.

  Customer Answer

  Date: 05/09/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:04/28/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a service plan on 1/4/2025. I took my vehicle for an oil change on 4/25/2025 and they refused to honor the agreement. I tried to call 20 times and they refuse to help me or they hang up on me.

  Business Response

  Date: 05/07/2025

  May 7, 2025
  
  BBB Case# ********
  ******** ********
  Account Number: **********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by ******** ******** regarding the request for reimbursement for vehicle maintenance on the above-mentioned vehicle.
  
  It is important to know that dealerships are independent business entities from TMCC/TFS. Because we are separated from the dealership, we do not have first-hand knowledge of what occurs at the dealership with regards to vehicle repairs or maintenance.
  
  Our records do not reflect an active service agreement with Toyota Motor Insurance Services (TMIS) associated with her TFS account. As a result, we are unable to confirm any denial related to a service plan. We respectfully recommend *********** contact the selling dealership, or the service contact administrator listed in her agreement for further assistance.  
  
  TFS strives for excellence in customer satisfaction, and we hope the explanation provided is helpful. We encourage Ms. ******** to discuss this matter directly with the proper management at the related dealership. However, if she has additional questions or concerns related to her former *** account, we encourage her to contact our *********************** at **************.
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission.
  
  Toyota Financial Services is a service **** of Toyota Motor Credit Corporation (TMCC). Retail installment accounts may be owned by ****, or its securitization affiliates and lease accounts may be owned by Toyota Lease Trust (***) or its securitization affiliates. **** is a service for accounts owned by ****, ***, and their securitization affiliate

• Initial Complaint

  Date:04/26/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Upon my review, it is evident that significant violations of both federal and state laws have occurred in the handling, reporting, and collection activities tied to this repossession. I am hereby demanding immediate validation and documentation of your authority to enforce the repossession, as well as your compliance with all required procedures under applicable law. If you can't provide the docs in the attached letter remove this erroneous account from my consumer report.

  Business Response

  Date: 05/02/2025

  May 2, 2025
  BBB Case #********
  Demondra *******
  Account # **********
  
  Ther is in response to the complaint filed against TFS Financial Services (TFS) by Demondra *******.
  
  First and foremost, TFS would like to thank Ms. ******* for bringing her concerns to our attention. After a thorough review of Ms. ******* account, we have determined that TFS is reporting Ms. *******s account to the ********************** ****************** (CRAs) that is consistent with our records. The vehicle was Involuntary Repossessed on 07/02/2020 and the account was Charged off on 08/18/2020 for the unpaid reinstatement balance.
  
  Unfortunately,we are unable to accommodate Ms. ******* request to remove the tradeline for her account, as we are required to report accurate information to the *****
  
  If Ms. ******* should have any further questions, he may contact our *********************** at **************, Monday through Friday.
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission.

• Initial Complaint

  Date:04/26/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction(s) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also,would like to have all addresses and names REMOVED from my credit report, except for my only name and address (listed below) :Full Name: ***** ****** Full Address: ************************************************* Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.Attached in the upload are the following:- A copy of my credit report I received from your company. The fraudulent items are highlighted.- A copy of my Identity Theft Report and proof of my identity.- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher(s) of that information.

  Business Response

  Date: 05/02/2025

  May 2, 2025
  BBB Case #********
  ***** ******
  Account # **********
  
  This is in response to the complaint filed against TFS Financial Services (TFS) by ***** ******.
  
  First and foremost, TFS would like to thank Mr. ****** for bringing his concerns to our attention. After a thorough review of Mr. ****** account, we have determined that TFS is reporting Mr. ******* account to the ********************** ****************** (CRAs) that is consistent with our records.
  
  Unfortunately,we are unable to accommodate Mr. ****** request to remove the tradeline for his account, as we are required to report accurate information to the *****
  
  If Mr. ****** should have any further questions, he may contact our *********************** at **************, Monday through Friday.
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission.

• Initial Complaint

  Date:04/25/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to report a fraudulent account that has been opened in my name. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent ******************************** Name: TOYOTA MTR Opened Date: 5/21/2019 Account Number: **********High **********************: $8,125.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter.

  Business Response

  Date: 05/02/2025

  May 2, 2025
  BBB Case #********
  **** ******
  Account # ***********
  
  This is in response to the complaint filed against TFS Financial Services (TFS) by **** ******.
  
  First and foremost, TFS would like to thank Mr. ****** for bringing his concerns to our attention. After a thorough review of Mr. ****** account, we have determined that TFS is reporting Mr. ******* account to the ********************** ****************** (CRAs) that is consistent with our records.
  
  Unfortunately,we are unable to accommodate Mr. ****** request to remove the tradeline for his account, as we are required to report accurate information to the *****
  
  If Mr. ****** should have any further questions, he may contact our *********************** at **************, Monday through Friday.
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission.

• Initial Complaint

  Date:04/24/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was blindsided October 2023 to sign for a warranty on my vehicle. After stating that I didn't want a warranty on my vehicle during signing the contract. I was given a folder that I thought the contract was in, the folder but it wasn't. I had 45 days from purchasing before the first payment was due. I received notification of the first payment and realized that it was almost $200 higher than what I was told the monthly payment would be. I contacted the dealership and customer service on December 26, *************************************************************************************************************************************************** adjusted. I called several times disputing this since October 2023. The warranty still wasn't removed or monthly payments adjusted. I was told that the warranty would be removed but the payment amount wouldn't change. That it would come off the balance of the loan. It wasn't removed; I called again spoke to ****** a resolution specialist who agreed to remove the warranty but only adjust about $2,400. I have been having a hard time making the monthly payments due to the increase price of the warranty. I have called numerous times every year since purchasing the vehicle to remove the warranty, credit my loan and adjust my payment.

  Business Response

  Date: 05/14/2025

  May 14, 2025
  
  BBB Case: ********
  Contact Name: ******** ******
  Account Number: **********
  
  The ***************** of Lexus Financial Services (LFS) is in receipt of the complaint filed against Toyota Motor Credit Corporation (TMCC) and LFS regarding ******** Contees request for assistance with the above-referenced vehicle account.
  
  We thank our customer for bringing their account concerns to our attention.
  
  ******** ****** signed their contract on October 9, 2023. Their contract obligates them to make 60 payments of $507.15. By signing this contract, they agreed to the terms and conditions, which include their obligation to pay in accordance with the payment schedule and all other terms and conditions. Toyota Motor Insurance Services (TMIS) Guaranteed Auto Protection (GAP) and a *************** Agreement (VSA) were included as part of the contracted agreement.
  
  Our records reflect that our customer spoke with **** on December 26, 2023, and inquired about the agreement coverage and cancellation instructions, which ******** ****** was provided pursuant to their request. Then, on June 25, 2024, the originating dealer requested a cancellation quote from **** but did not proceed.
  
  As of January *******, our customer inquired with **** about claims and repair coverage,advising there was an issue with the vehicle. Again, **** provided our customer with instructions on filing a claim by advising them to partner with their dealership.
  
  Our records also reflect that on March 18, 2025, ******** ****** requested a full cancellation refund from ****. They were directed to the customer portal and advised a refund would be pro-rated. During that conversation, ******** ****** requested to speak with a Resolution Specialist and then to a Supervisor within TMIS.During the conversation with the TMIS Supervisor, our customer was advised **** would backdate the cancellation request to the earliest documented dealer cancellation quote on June 25, 2024; however, the customer declined and stated they would inquire with the dealer for a full refund instead.
  
  Additionally, on April 24, 2025, our customer called **** and spoke to another Resolution Specialist and again requested a full refund. During that conversation, the Resolution Specialist reiterated the offer of a cancellation backdated to the first documented cancellation quote provided to the dealer on June 25, 2024;however, the customer escalated to a supervisor. During that conversation, the TMIS Supervisor also reiterated the same information as stated above, in which our customer declined and requested a full refund; however, the option of a full refund is not available.
  
  If our customer chooses to proceed with a pro-rated cancellation, the funds will be applied to the principal balance of the loan. The payment will not be reduced or modified and will remain the same as reflected on the contract of $507.15.
  
  Lastly, it is important to know that Lexus Financial Services relationship to any dealer is that of a financing source, similar to a credit union or a bank, and the dealership is an independent business entity over which LFS has no control. If you have any additional concerns, we ask that you work with the appropriate management team at Lexus of ********* for additional support regarding this matter.
  
  We realize this may not be the response desired, but we hope our above reply has resolved this matter amicably.
  
  Please know that Lexus Financial Services strives for excellence in customer satisfaction. If there are any additional questions regarding this concern, please contact us at *************.
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission. Lexus Financial Services is a service **** of Toyota Motor Credit Corporation (TMCC). Retail installment accounts may be owned by **** or its securitization affiliates and lease accounts may be owned by Toyota *********** (***) or its securitization affiliates.**** is the servicer for accounts owned by ****, ***, and their securitization affiliates.