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.

close

Find a Location

Toyota Motor Credit Corporation has 31 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Toyota Motor Credit Corporation

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

• 

  Toyota Motor Credit Corporation

  90 Crystal Run Road Suite 310 Middletown, NY 10940

• 

  Toyota Financial Services

  11625 Rainwater Dr STE 200 Alpharetta, GA 30009

• 

  Lexus Financial Services

  P.O. Box 4102 Carol Stream, IL 60197

• 

  Lexus Financial Services

  1111 22nd St Oak Brook, IL 60523

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:03/12/2025

  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 filing this complaint because my credit report contains unverified accounts that I do not recognize. These accounts are appearing under my name without my authorization, and I have every reason to believe they may be linked to a data breach or fraudulent activity. I take my financial security seriously, and I refuse to allow false or unverifiable information to damage my credit standing. These inaccuracies are actively harming my financial stability, and I demand immediate action to correct them.Despite my repeated attempts to obtain verification, I have not received any legitimate proof that these accounts belong to me. This blatant lack of transparency is a direct violation of my consumer rights. Under the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681g, I am demanding full documentation proving the validity of these accounts, including:Company Name: TOYOTA MTR Account Number: ***************** Reported Balance: $3,546.00 I require real, verifiable proof such as original account applications, signed agreements, or transaction records confirming their legitimacy. A generic response stating that the account has been "verified" is not acceptable. If no such documentation exists, these accounts must be immediately removed under FCRA Section 611(a)(5)(A)(i), which mandates the deletion of unverifiable information from consumer credit reports.Additionally, I am filing a formal complaint with the Better Business Bureau (BBB) against them, as this company has failed to provide proper documentation proving the validity of the reported account. Their refusal to supply supporting records and their failure to conduct a legitimate verification process are clear violations of federal law. I expect an immediate investigation and a full response addressing this issue.

  Business Response

  Date: 03/17/2025

  March 14, 2025
  BBB Case # ********
  ******* ***
  Account # **********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by ******* ****
  
  First and foremost, TFS would like to thank Mr. *** for bringing his concerns to our attention.
  
  Mr. *** complaint stated that he believed that his TFS account was being incorrectly reported on his credit profile and that he did not recognize this account.
  
  After a thorough review of Mr. **** account, we discovered his account is reflecting accurately based on his payment history and is reflected on tradelines currently being reported by the Credit ****************** (CRAs). An investigation has been performed, and this account has been found to belong to Mr. **** Mr. *** called TFS on 04/04/2023 to inform us that he was unable to make any type of payment on the vehicle and requested a voluntary termination.
  
  Unfortunately, we are unable to accommodate Mr. **** request to remove the negative information that was reported, as we are required to report accurate information to the *****
  
  Please know TFS strives for excellence in customer satisfaction, and we appreciate Mr. *** for bringing this matter to **** attention. 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:03/11/2025

  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.

  Name: ****** tumbarell Address : ********************************* DOB: ********** Last 4 of SSN: 3175 *********************** Name: Equifax Bureau Address:***************************************-0256 Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e (bAccuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code ***** (5)Treatment of inaccurate or unverifiable information(A)n general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall-i)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and il)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately: Accounts ********************************************* SER: Account ************************ This account is being reported inaccurately, please remove this from my credit report immediately

  Business Response

  Date: 03/12/2025

  March 12, 2025
  BBB Case #********
  ****** *********          
  Account # **********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by ****** *********.
  First and foremost, TFS would like to thank Mr. ********* for bringing his concerns to our attention.
  Please know that *** makes every attempt to positively respond to all our customers; however, we are required to report all information accurately to the *************************** (CRAs) based on a customers payment history.
  Unfortunately, we are unable to accommodate Mr. *********s request to remove the credit marker on his tradeline as we are required to report accurate information to the CRAs.
  TFS strives for excellence in customer satisfaction, and we appreciate Mr. ********* for bringing this matter to TFSs attention. 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 ourresponse after submission.

• Initial Complaint

  Date:03/10/2025

  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.

  Toyota Motor Corporation hired a possession company that aggressively enter my property to get the vehicle in the process of doing so they ripped out the whole front end. I to get Toyota to send me records over and over again. Its been over 8 months and yet no response. Continue to report to the CREDIT agencies charge off and repossession when I contacted them they said that they sold the account and the individuals who bought the account saying that they never received it yet Leaving me with an incorrect pulse information on my CREDIT report.The car was sold at an auction and I never received the paperwork. It was negligence and aggressive actions, and no one wants to be responsible

  Business Response

  Date: 03/11/2025

  March 11, 2025
  BBB Case # ********
  ****** ROMAN            
  Account # **********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC)by ****** *****.
  
  First and foremost, TFS would like to thank Mr. ***** for bringing his concerns to our attention.
  
  After a thorough review of Mr. ****** account, Mr. ***** entered a Retail Installment Contract with Toyota Financial Services on 02/17/2022.
  
  We have researched our records and have determined that the information reflected in our records is correct and we are reporting Mr. ****** account to the ********************** reporting agencies in a manner that is consistent with our records. A Rights of Defaulting Parties letter was sent to Mr. ***** on 04/25/2024 notifying him of TFS plan to sell the property and an Explanation of the Deficiency Balance Letter was also sent to Mr. ***** on 08/05/2024.
  
  Unfortunately,we are unable to accommodate Mr. ****** request to remove the information we reported as we are required to report accurate information to the Credit ****************** (CRAs).
  
  Please know TFS strives for excellence in customer satisfaction, and we sincerely appreciate Mr. ***** for bringing this matter to **** attention. 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:03/09/2025

  Type:Sales and Advertising 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.

  Toyota sent me a insurance renewal offer, I declined it by telling the toyota insurance agent that I do not like to renew insurance with Toyota anymore. The agent confirmed on Jan 20 2025 that he will cancel the renewal and there is no fee for it since it is not obligatory for the customer to renew the policy.However I still see a charge for a new car insurance policy in March. This is unacceptable. It is ridiculous to force people to renew car insurance with them. It is simply a scam to enslave ********* whoever is reading, do not buy from Toyota Insurance, they are a scam.Please obey the law and stop charging people when they are not interested in your service.

  Business Response

  Date: 03/12/2025

  March 12, 2025
  
  BBB Case: ********
  Contact Name: Xuetong Gai
  Account Number: N/A
  
  The ***************** of Toyota Financial Services (TFS) is in receipt of the complaint filed against Toyota Motor Credit Corporation (TMCC) and TFS regarding Xuetong Gais request for assistance with obtaining a refund related to car insurance.
  
  We are unable to assist. We have determined we are not the proper party to address this matter. The correct party can be reached directly using the following information:
  
  Toyota ***************
  
  *********************************
  ***************
  
  Phone Number: ************
  Mon - Fri : 9am-12am EST
  Sat : 10am-9pm EST
  
  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:03/07/2025

  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.

  We leased a Toyota Rav 2023 from Toyota Fox in ******* on March 2023.Leasing went through Toyota finance.We moved to ********** ********* and the car was registered on August 2023 ( attached).On November we received the bill for the usual amount of $755.73 + $236.80 extra.We called to inquire about the extra charge and we were informed that it corresponded to Texas property tax.We explained the agent that we were not supposed to pay for that amount, since we were living in **********We provided copy of The Louisiana DMV registration.1 week later we confirmed that they had received the document and the agent told us that we were right about not having to pay for Texas property taxes for 2024, since we were living in **********We have received multiple calls asking us for to pay for that amount. I have called more that 10 times, spending more than 1 hour each time explaining the situation over and over and with the same answer that we did not have to pay that amount, but that " someone in Toyota finance did not report or addresed that" This is aggraviating and unfair, we keep receiving calls and bills including late fees for that amount.Please ask Toyota to address that matter, and remove that charge , I am a surgeon having to lose time of work ( more than 10 hours, 10 calls), just because they are not taking care of this incorrect charge. They promised that this charge was going to be removed more than a month ago Best regards ****** *****

  Business Response

  Date: 03/14/2025

  March 14, 2025
  BBB Case# ********
  ****** *****
  Account Number: **********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by Mr. ****** ***** regarding his concerns with the Personal Property Taxes (PPT) assessment from El ***************.
  
  Our records indicate on March 8, 2023, Mr. ***** entered into a Closed-End Motor Vehicle Lease Agreement (contract) for a 2023 Toyota RAV4 with Toyota Financial Services (TFS). Upon signing he acknowledged and agreed to all of its terms and conditions, including Page 5, Section 27 Fees Taxes and Fines, which identifies he will be responsible for personal property taxes and Mr. ***** will pay all fees, taxes, assessment, charges, cost and fines incurred on the vehicle during the Lease Term.  
  
  Our records further indicate on December 04, 2024, we received a tax bill from El *************** in the amount of $236.80. This amount covered the taxes from January 1, 2024, to December 31, 2024. When *** receives the tax bill, as the vehicle owner, TFS is required to pay this tax charge immediately and forward the charge to the lessee.
  
  After a thorough review, weve confirmed on August 09, 2023, Mr. ****** garaged address was updated from ***** to ********* with the Louisiana registration dated March *******. As a result, TMCC/TFS has initiated an abatement request for the Personal Property Tax from El ***************.
  
  Please note the abatement process may take approximately 3-4 month, as it is subject to processing by taxing jurisdiction. Once the abatement is processed and a refund is issued, TFS will apply the credit amount to Mr. ****** TFS lease account.
  
  TMCC strives for excellence in customer satisfaction, and we apologize for any inconvenience Mr. ***** may have experienced regarding his Personal Property Tax charge. If Mr. ***** has any further questions, please have him 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 the servicer for accounts owned by ****,***, and their securitization affiliate. 

• Initial Complaint

  Date:03/07/2025

  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.

  This is my formal request to address and resolve the unauthorized accounts that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter.TOYOTA MTR ACCOUNT no.: ****** DATE OPEN: 04/25/2021 BALANCE: $0.00

  Business Response

  Date: 03/11/2025

  March 11, 2025
  BBB Case # ********
  ***** ******
  Account # ***********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by ***** ******.
  
  First and foremost, TFS would like to thank Mr. ****** for bringing their concerns to our attention.
  
  Mr. ****** complaint stated that they believed their *** account was being incorrectly reported on their credit profile.
  
  After a thorough review of Mr. ****** account, we discovered the reporting data that is being furnished to the Credit ****************** (CRAs) by *** is accurate and the account was authorized by Mr.******.
  
  Unfortunately, we are unable to accommodate Mr. ****** request to delete the tradeline as we are required to report accurate information to the *****
  
  Please know TFS strives for excellence in customer satisfaction, and we sincerely appreciate Mr. ****** for bringing this matter to TFSs attention.  ************* should have any further questions, they 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:03/05/2025

  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.

  Upon calling Claremont Toyota, I was told that I am 4 months behind in my paymenrs. Which is't true. I have my bank statement that shows the fund were taking from my account. Today, I called to make the March in the amount of $ ****** coming direction from my bank. However, they refused to take the payment that is due on the 3rd of each month. I clearly explain to them that don't have a credit nor a checking account, therefore I called The merchant to withdraw the funds each month my account. I repeated state, my situation regarding of my not have a checking account. I ask the over and over for the funds would automatically taken form the account; Secondly, I was stated the only way to pay was go to *************" which I refuse to do. On March ****** I 've called several times in reference to this ******** the representative, that was how my payments were made each month. I am on a tight budget, but can make the payments. Staff ( agents) qualarywith me or the hang up on me..Now very professional; I was also told that my vehicle in the status of report, when I' do not want my car to be repo, status. Which it is now.meanwhile, my bank statement proved that I am now 4 months behind.....No one allow me to speak to a supervisor. Reimbursement for false accusation due to Toyota's misuse of my information.

  Business Response

  Date: 03/11/2025

  March 11, 2025
  BBB Case# ********
  ******** ******
  Account Number: **********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by Ms. ******** ****** regarding the payment remitted on the above referenced account. Primarily, we would like to extend our sincerest apologies for the frustration Ms. ****** endured when contacting our customer service center regarding her next payment amount due.
  
  Our records reflect on December 21, 2023, Ms. ****** signed a contract for the purchase of a 2020 Toyota RAV4, with seventy-two payments of $658.35 due on the 4th of each month. By signing this contract, Ms. ****** 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.
  
  Following a detailed investigation, and as reflected on the attached payment history, on January 15, 2025, Ms. ****** scheduled a one-time payment of $59.00 with a Toyota **************** Representative from her bank account ending in ******4800.This partial payment was applied to her past-due balance for November 04, ******* a result, Ms. ******* TFS account remained past due from December 04, 2024,until March 04, 2025.
  
  We encourage Ms. ****** to review the attached document, which includes a detailed breakdown of her transaction history. Additionally, we encourage Ms. ****** to contact our ************************ to discuss payment options for her past due balance to avoid the repossession of the vehicle.
  
  We realize this may not be the response that she desired, but we hope our above reply has resolved this matter amicably.
  
  Please know that Toyota Financial Services strives for excellence in customer satisfaction, and we hope the explanation provided is helpful. If Ms. ****** has any further questions regarding her account status, she 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.
  
  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 the servicer for accounts owned by ****,***, and their securitization affiliate. 

  Customer Answer

  Date: 04/24/2025

  I was paying on my loan with toyato financial services I would call them each month for them to take my payment out of my savings account, with my authorization. But, when I called them to make a payment, I was told that I am five months behind.
  
  I faxed them over my bank statement showing the payments were posted. Now, again, I was told that I could no longer use my bank to make payment, and I had to go to ************* and make the payments. I
  
  feel that the financial company does't communicated to people I've spoken with. I took it upon myself to visit the dealership, in which I was told that I am 3 months behind. I would not be three months behind if the company would take the funds from my account.
  
  After speaking with supervisor, I was told that my care was not in the repo status. Early Saturday around 2a.m. my car was repo. They lied to me ! I called every day, trying to make my payment of $649.00 each month. My car was a 2020 rev 4 toyato
    
  Refund

  Business Response

  Date: 04/28/2025

  April 28, 2025
  BBB Case# ********
  ******** ******
  Account Number: **********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by Ms. ******** ****** regarding the repossession of her vehicle for the above-mentioned account. First and foremost, we would like to extend our sincerest apologies for the frustration Ms. ****** endured when contacting our customer ***************** regarding the same matter.   
  
  Our records confirm on December 21, 2023, Ms. ****** signed a contract for the purchase of a 2020 Toyota RAV4, with seventy-two payments of $658.35 due on the 4th of each month. By signing this contract, she agreed to the terms and conditions which include liability to repay the loan in accordance with the payment schedule, interest rates, optional products, and the length of the term.
  
  On January 15, 2025, Ms. ****** contacted our Toyota **************** and submitted a partial payment of $59.00 via a bank account ending in ****4800. This payment was applied to her past -due balance for December 4th, 2024.Additionally. For reference and transparency, we are attaching a copy of her TFS full payment history to this response. After thoroughly reviewing the account, we found no error or missing payment in our records.
  
  On January 21, 2025, we mailed a Notice of the Right to Cure a Default, which required a $1,411.21 payment by February 03, 2025. As indicated in our cure notice, if a payment was not received by the due date, we would exercise our right under the law to repossess the vehicle. As the payment was not received by the due date, the vehicle was repossessed on April 19, 2025. 
  
  Following the repossession of the vehicle, a Notice of Our Plan to Reinstate the contract was mailed to Ms. ******* with the amount of $4,235.02, plus $10.00 in vehicle storage fees due beginning April 10, 2025. This notice also provided Ms. ****** with the option to purchase the vehicle for the payoff amount of $28,929.11,plus $10 daily for vehicle storage, and if she does not reinstate or purchase,we would sell the vehicle at a private auction.  
  
  While we understand this may not be the response Ms. ****** was seeking, we hope for her understanding. If Ms. ****** have any further questions, or would like to discuss reinstatement options, we encourage Ms. ****** to contract 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.
  
  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. 

• Initial Complaint

  Date:03/05/2025

  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.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. COMPANY NAME: TOYOTA MTR ACCT #: ***. ***************** $18,566.00/$18,566.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 03/07/2025

  March 06/2025
  BBB Case # ********
  Kamogelo ******
  Account # **********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by Kamogelo ******.
  
  Primarily, TFS would like to thank Mr. ****** for bringing their concerns to our attention.
  
  Mr. ******s complaint stated that they believed that their *** account was being incorrectly reported on their credit profile.
  
  After a thorough review of Mr. ******s account, we discovered their account is reflecting accurately based on their payment history and is reflected on tradelines currently being reported by the Credit ****************** (CRAs).
  
  Unfortunately, we are unable to accommodate Mr. ******s request to remove the negative information that was reported, as we are required to report accurate information to the *****
  
  Please know TFS strives for excellence in customer satisfaction, and we appreciate Mr. ****** for bringing this matter to **** attention. If Mr. ****** should have any further questions, they 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:03/05/2025

  Type:Order 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.

  . October of 2022 I relocated to another state and contacted Toyota Financial to cancel an insurance I had purchased for the vehicles at the time of sale and have that payment credited as payments to the both loans for around $6,236.80 this would cover 13 months worth of payments. It took me a few months to realize that the payment had been misapplied to the principal balance and when I when I reached out to Toyota I was on a call for about an hour while the representative applied the payments correctly. A few months later I find out through harassing calls from the collections department with Toyota that the payments still were not applied correctly and the cars were in danger of repossession. I was sick and not working as I had relocated and paid a year in advance to cover the payments while I adjusted and obtain work. Toyota said that while they researched I need to make the payments. I was trying to make the payments that were already paid on TWO vehicles so in reality it was like paying for FOUR vehicles. This caused me a major financial hardship I lost my apartment fell behind on my credit cards and other payments.

  Customer Answer

  Date: 03/05/2025

  Toyota Financial Reposed vehicle account number *******. As explained in my original complaint against toyota financial, my payments on both of my accounts with ********************************************* became past due because of an account error on ********************************************** end. Yesterday 3/4/2025 they repossessed one of the vehicles account ******* because of November, December, January, February payments not being made. However, Toyota approved 2 month (60 day) payment extension which they deny ever receiving. I have taken screen shots of the Toyota Financial website where It its timestamped that a representative has in fact received the signed documents. I was on the phone 6 hours with different Toyota Financial representatives on 3/4/2025 and not one of the representatives could view Toyotas own portal to see the documents. I was informed that even though documents are visible to me on the Toyota portal they are unable to view the documents unless the processing team uploads them to the system the representatives use. Also, when I spoke to **** in the ********************* he was extremely rude and made me feel uncomfortable. He left me on hold for around 34 minutes only checking in on me once during that hold time. After the 34 minute hold he began speaking to me in Spanish and I do not know why. I asked me 3-4 times to speak to me in English because that is my native language and I explained I do not speak Spanish. He ignored me 3-4 times, I recorded the phone call. When we did finally acknowledge me he rudely said, well I'm speaking to you in English now and continued on with his conversation. **** did not once apologize for his mistake and gave me attitude as if it was my fault and I inconvenienced him for asking him to speak in English to me. Now I feel that **** racially profiled me because I have a Hispanic name, however my native language is English and I need to know important information such as a repossession in my native language English. The first representative I spoke to after being on a call with her for over an hour transferred me to **** without letting me know and I had to explain everything all over again. **** was extremely rude and gave a lot of attitude. He came across like he was reading a script and not listening to what I was trying to convey regarding the extension mistake Toyota financial did. I was sent the extension documents more than once however they were dated incorrectly, or a due date change was sent instead of a the extension notice, I continuously uploaded the documents but there was always an issue/excuse of why they didn't receive them. Resolution  I am seeking is to Correct all 3 credit reports to reflect all good on time payments and bring my account current including if needed credit for payments that may be missing because of their initial error of having me make payments while they did their research. The correct thing to compensate me is to clear any derogatory remarks and bring the loans current without any fees or interests or deferments as no deferment would have been needed had Toyota done their due diligence before we arrived to this point.

  Customer Answer

  Date: 03/05/2025

  I have attached the transaction history and spreadsheet showing all payments made and the payments that should be due. I included the first billing statement sent to me by Toyota indicating when note began.  0326906468

  I will submit for the other vehicle same make an model separately  2022 Toyota Corolla 

  Customer Answer

  Date: 03/05/2025

   Account ********* Due to Toyota error they were going to extend 2 more months but keep
  sending incorrect documents and stating they can't see them when I can see
  it in there system. So in reality they reposed my vehicle for a clerical error on
  Toyotas end and it only being due for 1 payment. I have been in contact with
   Toyota every week until February where I contacted them every two weeks. I ask my vehicle be returned to me at no cost and all 3 credit bureaus corrected as no late payments. 
  
  
  

  Customer Answer

  Date: 03/05/2025

  transaction history for Account No: **********
  
  
  

  
  

  Business Response

  Date: 03/11/2025

  March 11, 2025
  BBB Case# ********
  ********* ********
  Account Number: **********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by Ms. ********* ******** regarding a warranty refund and loan balance on the above referenced account.
  
  Our records reflect that Ms. ******** also filed a complaint with the Consumer Financial ***************** (CFPB) on March 05, 2025, regarding the same matter. We have begun our investigation into this matter and will provide our response via the ***** Please know a response will be provided to the **** on or before March 20, 2025. We understand Ms. ********* time is valuable, and we appreciate her patience while we review her concerns.
  
  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 the servicer for accounts owned by ****,***, and their securitization affiliates.
  
  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:03/04/2025

  Type:Customer Service 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 cosigner on this account. I was unaware that the account has been past due numerous times per what has been reported. I have not been the person managing these payments and would like the "late payment" reports removed from my credit report. Moving forward I will be bringing this account to current and taking over the payments so this does not occur again.

  Business Response

  Date: 03/05/2025

  March 5, 2025
  BBB Case # ********
  ***** ****
  Account # **********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC)by ***** ****.
  
  First, TFS would like to thank Ms. **** for bringing her concerns to our attention.
  
  After a thorough review of Ms. ***** account, we discovered that the information that **** has provided to the Credit ****************** (CRAs) regarding Ms. ***** account is accurate and reflects accurately with the *****
  
  Please know that *** makes every attempt to positively respond to all our customers; however, we are required to report all information accurately to the Consumer ****************** (CRAs) based on a customers payment history.
  Unfortunately,we are unable to accommodate Ms. ***** request to remove late payments to her tradeline as we are required to report accurate information to the *****
  
  Please know TFS strives for excellence in customer satisfaction, and we appreciate Ms. **** for bringing this matter to **** attention. If Ms. **** should have any further questions, she 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.