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 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:12/01/2022

  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.

  I have had my vehicle since June, however all the money I have paid on this account went towards interest. I had been making payments weekly to eat up the interest and they still apply all of my payments to interest. I would like a resolution.
  

  Business Response

  Date: 03/21/2023

  Business Response /* (1000, 5, 2022/12/12) */
  December 12, 2022
  BBB Case# XXXXXXXX
  **** *******
  Account Number: XXX-XXXXXXX
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by Mr. **** *******, regarding remitted payments, principal, and interest balance on the above referenced account
  
  Our records reflect on June 14, 2022, Mr. ******* signed a contract for the purchase of a 2019 Toyota RAV4, with 72 payments of $792.93 due on the 29th of each month. 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 products, and the length of the term.
  
  It Is Important to know, on a simple interest contract, finance charges are calculated based on the unpaid principal balance of the contract. As each payment is made, the payment amount is applied toward the finance charges that have accrued since the last payment was received. The remaining portion of the payment is applied in accordance with the terms of their contract. We will be mailing a Brochure to the system address on file or simple interest contract.
  
  As reflect on the attached payment history, the unpaid principal balance on Mr. *******'s account is $38,765.69, his Annual Percentage Rate (APR) is 13.06 % and his normal monthly payment amount is $792.93. As of the date of this response, Mr. *******'s daily finance charge amount is calculated as follows:
  
  ($38,765.69 X 13.06%) / 365= $13.87 daily finance charge amount (also called per diem)
  
  Mr. ******* has been making partial payments but has not made on time payments in accordance with his contract, as a result, the amount remitted is not sufficient to cover his interest (daily per diem) and reduce principal balance for his TFS account.
  
  TFS strives for excellence in customer satisfaction, and we hope the explanation provided is helpful. If Mr. ******* should have any further questions regarding his TFS account, he may contact our Customer Experience Center, Monday through Friday at (XXX) XXX-XXXX.
  
  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.
  
  
  Consumer Response /* (3000, 7, 2022/12/13) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  Because everything I have paid goes towards interest if I make $250 to $300 a week payments that is more than monthly payment they should provide me with a breakdown everything shout not got to interest
  
  
  Business Response /* (4000, 11, 2022/12/27) */
  December 27, 2022
  BBB Case# XXXXXXXX
  **** *******
  Account Number: XXX-XXXXXXX
  
  Toyota Motor Credit Corporation (TMCC) and Toyota Financial Services (TFS) are in receipt of the rebuttal filed by Mr. **** *******, regarding remitted payments, principal, and interest balance on the above referenced account. We regret to learn he is dissatisfied with our response; however, based on our review, our position remains the same
  
  As indicated in our previous response. On a simple interest contract, as each payment is made, the payment amount is applied toward the finance charges that have accrued since the last payment was received. The remaining portion of the payment is applied in accordance with the terms of their contract.
  
  Since, Mr. ******* has been making partial payments but has not made on time payments in accordance with his contract, the amount remitted is not sufficient to cover his interest (daily per diem) and reduce principal balance for his TFS account.
  
  TFS strives for excellence in customer satisfaction, and we hope the explanation provided is helpful. If Mr. ******* should have any further questions regarding his TFS account, he may contact our Customer Experience Center, Monday through Friday at (XXX) XXX-XXXX.
  
  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.

• Initial Complaint

  Date:11/30/2022

  Type:Customer Service 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 would like to be as brief as possible.
  
  I purchased a Tacoma from Toyota last April and I have been calling and calling... to get the Title.
  
  They either send me a duplicate Vehicle Transfer doc. or nothing at all.
  
  What I need is: A Release of Liability document so I can get a duplicate title at the DMV. My last request was two months ago and still waiting.
  

  Business Response

  Date: 03/06/2023

  Business Response /* (1000, 7, 2022/12/09) */
  December 09, 2022
  BBB Case# XXXXXXXX
  *** *******
  Account Number: XX-XXXX-HD583
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by Mr. *** ******* regarding his concerns with receiving his title in a timely manner for his purchased lease.
  
  Our records reflect Mr. ******* contacted Toyota Financial Services (TFS) on July 11, 2022, to obtain an update regarding his title. Mr. ******* contacted TFS on numerous occasions to follow up on his request. Mr. *******'s requests were not relayed to the appropriate teams at TFS causing his request to not be completed in a timely manner.
  
  To ensure that Mr. ******* receive the requested documents, we have approved sending the necessary documents via FedEx over-night shipping to the address on file. The FedEx tracking number is XXXXXXXXXXXX, which is scheduled to be delivered on Thursday, December 08, 2022. On December 07, 2022, our Title Resolution Specialist left Mr. ******* a voicemail at the telephone number on file to provide the FedEx tracking details.
  
  We recognize the unacceptable delays that took place and apologize for any inconvenience this matter caused Mr. *******, but we hope to have addressed this matter amicably. If Mr. ******* has any further questions, he may contact our Customer Experience Center directly at (800)-874-8822, 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.
  
  
  Consumer Response /* (2000, 9, 2022/12/12) */
  (The consumer indicated he/she ACCEPTED the response from the business.)

• Initial Complaint

  Date:11/29/2022

  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 have been paying my car payment for many years through Bill Pay. It comes directly out of my bank account. For some reason, Toyota claimed they didn't receive 2 payments, 1 for August 15, 2022 in the amount of 291.29$, and the other for August 9, 2022, for the same amount of 291.29$ even though my bank faxed them proof of payment. I have called Toyota many times over the past few months, and spent many man hours on this, which is actually their error. Finally, one supervisor said, one of the payments was credited to an old account, and they sent me one check in the amount of 291.29$I did receive that one, but have not received the other one. Each time I call Toyota, they tell me something different, and I believe they even reported me to collections, which hurt my credit score. This has been going on since Sept 12, 2022. I need that money, especially with the holidays coming. The last thing that was said, was they Requested their Admin team to further research, and that Centralized Disbursement Team would reissue it. That was on Nov 17, 2022. I still have not received the other check.
  

  Business Response

  Date: 03/13/2023

  Business Response /* (1000, 6, 2022/12/09) */
  December 9, 2022
  BBB Case# XXXXXXXX
  **** *******
  Account Number:XX-XXXX-XL417
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by Ms. **** *******, regarding her concerns with payments remitted and possible credit markers reported against her credit tradeline. First and foremost, we regret to learn of her financial hardship, secondly, we would like to extend our sincerest apologies for any frustration Ms. ******* endured when contacting our Customer Experience Center to discuss her account's remitted payments.
  
  Our records reflect Mr. ******* remitted two payments via her bill payment services, in the amounts of $291.29 on August 15, 2022, and $291.29 on September 09, 2022. However, after conducting a thorough investigation, our system reflects Ms. *******'s bank electronically sent both payments to her former Toyota Financial Services (TFS) account number ending with ****** We encourage Ms. ******* to contact her bill payment services and request a merchant report for the payments in question; she may fax the merchant report for review to our resolution fax line at (XXX) XXX-XXXX, including her account number on the faxed documents or cover sheet letter.
  
  On November 14, 2019, as reflected on the attached confirmation letter, an ****** **** and ******** was mailed to Ms. *******'s address on file, for her former **** ****** ***** (account ending with ******* confirming her lease return balance of $223.13. As mentioned above, the payment from August 2022 for $291.29 was applied towards her outstanding lease-end balance, which resulted in a decrease refund amount of $68.16, which was cashed by Ms. ******* on September 22, 2022. Subsequently, a second refund check (check number XXXXXXXX) for $291.00 was issue to Ms. ******* and cashed on October 14, 2022, which was associated with her September 2022 bill payment. We have confirmed that all of Ms. *******'s overpayment refunds have been issued by TFS.
  
  With respect to the credit reporting on Ms. *******'s profile, as reflected on the attached confirmation letter, no credit markers or adverse information is being reported to the consumer reporting agencies.
  
  TFS strives for excellence in customer satisfaction, and we hope the explanation provided is helpful. If Ms. ******* should have any further questions regarding her former TFS account or the information provided herein, she may contact our Customer Experience Center, Monday through Friday at (XXX) XXX-XXXX.
  
  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.

• Initial Complaint

  Date:11/28/2022

  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 have been seeking a title transfer from a NV title to KY title due to moving since June 2022. Supposedly, the original paper title was requested, then delayed, then lost and it has still not reached the Mercer County clerk. I have recently made contact with the Nevada DMV who stated that the original title was sent, and that the duplicate title request was denied because the right paperwork and fee was not provided.
  
  I need my title transferred immediately as my registration is about to expire in December. In more than 15 calls to Toyota, they don't seem to understand the request, blame the DMV and/or Departments or Third Parties that don't speak with the public. This is not acceptable business practice and I am not going on the 7th month to accomplish this task.
  

  Business Response

  Date: 03/08/2023

  Business Response /* (1000, 5, 2022/12/07) */
  December 07, 2022
  BBB Case# XXXXXXXX
  ****** ******
  Account Number: XXX-XXXXXXX
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by Mr. ****** ******, regarding his concerns with completing his state-to-state transfer in the state of Kentucky. First and foremost, we apologize for any inconvenience this ongoing matter has caused.
  
  Our records reflect Mr. ****** contacted Toyota Financial Services (TFS) on June 14, 2022, to obtain an update regarding his state-to state request. Mr. ****** contacted Toyota Financial Services on numerous occasions to follow up on his request. Unfortunately, his follow up requests were not relayed to the appropriate teams at TFS, and due to an inadvertent error, his request was not completed in a timely manner. As a result, an expediated duplicate title request was submitted to Nevada Department of Motor Vehicles (DMV) via over-night FedEx tracking number XXXXXXXXXXXX on November 29, 2022.
  
  Upon review of this complaint, and to ensure Mr. ******'s state-to state transfer is completed in a timely manner our Customer ******* Resolution Specialist will proactively continue to follow up on the November 29th request and contact Mr. ****** directly to discuss the status and next steps.
  
  We apologize for the frustration Mr. ****** endured and hope to have addressed this matter amicably at this time. If Mr. ****** has any further questions, he may contact our Customer ******* Center directly at (XXX)-XXX-XXXX, 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.

• Initial Complaint

  Date:11/25/2022

  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.

  In June 2022 I stopped payment on a doble payment, then Toyota said I had never even made my June payment. I have proof I did. When July came about the bank put a stopped payment on my bank account that I w as not aware of. So I missed a July payment, Once i made that payment up. They have continued to say I am two to three car payments behind. My car payment has been fixed as of November 7. I was told y account in good standing. And the payment was due of 589.91. When I checked my account today it is saying I need to make a payment of 851.42. I called numerous times toad and everyone I talked to says I am up to date. They want to to make a payment today 851.42. I have called every month. Robert told me that it was all fixed on November 9 and I have the recording. Plus they violated there contract with me as well. I cannot take this stress no more. My mom co signed for me and its affecting her credit as well. I am on disability and I don't need this stress.
  

  Business Response

  Date: 03/21/2023

  Business Response /* (1000, 5, 2022/12/08) */
  December 8, 2022
  BBB Case# XXXXXXXX
  ******* ******
  Account Number: XXX-XXXXXXX
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by ******* ******, regarding concerns with her remitted payments on the above referenced account. First and foremost, we would like to extend our sincerest apologies for any frustration Ms. ****** endured when contacting our customer experience center to discuss her account payments.
  
  Our records reflect on June 6, 2022, the primary borrower of Ms. ******'s Toyota Financial Services (TFS) account remitted a one-time payment via our Toyota website for $589.91, for their May 30, 2022, payment. As reflected on the attached payment history, the remitted payment for $589.91 on June 6, 2022, was returned unpaid by their bank, followed by another payment reversal for $589.91 remitted on July 6, 2022, using the same bank account ending with ********
  
  As of the date of this response, Ms. ******'s account has a past due amount of $851.27, which includes a partial past due amount of $261.36 for her October 30, 2022, payment due date, and her November 30, 2022, payment of $589.91. After conducting a thorough investigation, our records reflect Ms. ******'s bank subsequently rejected a payment remitted on November 30, 2022, for $589.91, via our website. We encourage Ms. ****** to contact her financial institution to clarify any restrictions and verify if these payments are being returned unpaid as a result of a previous stop payment requested with her bank.
  
  Please know that Toyota Financial Services makes every attempt to positively respond to all of our customers; however, the information that TFS reports is required to be accurate and complete pursuant to the Fair Credit Reporting Act, and consistent with our customer's payment history. Our records reflect that we are accurately reporting Ms. ******'s account to the consumer reporting agencies based on her payment history. Furthermore, we have confirmed there has not been any acts of violation committed on Ms. ******'s account by TFS.
  
  TMCC strives for excellence in customer satisfaction, and we hope to have addressed this matter amicably. If Ms. ****** has any further questions, she may contact our Customer Experience Center directly at (XXX) XXX-XXXX, 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
  
  
  Consumer Response /* (3000, 7, 2022/12/10) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  There was never a partial payment made. I've made full payments either the exact amount or over ! I can either include my bank statements or something this is ruining my credit.
  
  
  Business Response /* (4000, 11, 2022/12/27) */
  December 27, 2022
  BBB Case# XXXXXXXX
  ******* ******
  Account Number: XXX-XXXXXXX
  
  Toyota Motor Credit Corporation (TMCC) and Toyota Financial Services (TFS) are in receipt of the rebuttal filed by ******* ******, regarding concerns with her remitted payments on the above referenced account. We regret to learn she is dissatisfied with our response; however, based on our review, our position remains the same.
  
  As indicated in our previous response. As reflected on the attached payment history, Ms. ****** remitted a partial payment of $228.83, on May 28, 2022, for her April 30, 2022, payment due date. As a result, she has been carrying a partial past due payment since then. We encourage Ms. ****** to review her payment history and compare with her bank statement to confirm her remitted payments. To date, 30 payments have come due on the account making the total amount that TFS should have received $17,697.30 ($589.91 x 30 months). Ms. ****** has remitted less than the full 30 payments in the amount of $17,436.03. Her account, therefore, shows past due for $261.27.
  
  Please know that Toyota Financial Services makes every attempt to positively respond to all of our customers; however, the information that TFS reports is required to be accurate and complete pursuant to the Fair Credit Reporting Act, and consistent with our customer's payment history. Our records reflect that we are accurately reporting Ms. ******'s account to the consumer reporting agencies based on her payment history.
  
  TMCC strives for excellence in customer satisfaction, and we hope to have addressed this matter amicably. If Ms. ****** has any further questions, she may contact our Customer Experience Center directly at (XXX) XXX-XXXX, 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

• Initial Complaint

  Date:11/18/2022

  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.

  On November 17 I walked downstairs to go to work at 7am and found my car to be missing. After calling the police for information I reached out to Toyota and was informed that my car was repossessed. I have always made consistent payments and was to have my account on auto pay. When I was informed that I was 4 months late in payment I asked why I wasn't notified. I was then told they had sent me letters multiple times which I never received. They then checked my address and saw it was still a California address. I had updated this adress with an agent in September 2021 when I initially moved here so there is no reason my old contact should have been on file. I was then told that I have received phone calls as well but when I look at my phone log I just see multiple numbers from random area codes with no messages left. In a day of scams and telemarketers why would I answer any calls without a message or know that these are Toyota phone calls? Why did anyone from the company or dealership ever reach out to me? Within 10 hours of finding out my car was behind I laid off all late payments, late fees and towing fees totaling 2,840.00. I then had to pay an additional 100.00 in required western union urgent fees per Toyotas request . Considering the fees would be cheaper in person, i tried to go to 3 different western unions , all who couldn't find Toyota services under the billing names which me forced me to have to proceed with the WU transaction online. I have proven to be a loyal customer and consistent with payments . I want reimbursement for 550.00 in tow fees and the 100.00 in lot fees due and 63.00 in urgent fees due to the lack of follow through and communication on your employees part with not inputting my new address, when Requested in September , in order to properly contact me and for not leaving voicemails or using company phone numbers when trying to reach me regarding an urgent situation that ended up costing me 650.00 more in the long run . Thank you

  Business Response

  Date: 03/06/2023

  Business Response /* (1000, 5, 2022/12/02) */
  December 2, 2022
  BBB Case # XXXXXXXX
  ******* ******
  Account Number: XX-XXXX-FU027
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by Ms. ******* ******, regarding the repossession of her vehicle and concerns with not receiving proper notice.
  Our records indicate on November 15, 2022, Ms. ******'s account was 97 days past due and subsequently approved for repossession, due to non-payment. Toyota Financial Services (TFS) sent several cure notices and made numerous calls to Ms. ******'s address and phone numbers on file, which has recently been updated as of November 17, 2022. It is important for Ms. ****** to know our records confirm that TFS did not receive an address update notification prior to November 17, 2022.
  As reflected on the attached payment history, we did not receive Ms. ******'s payment for the months of August, September, October and November 2022 payments. As a result, her vehicle was approved for repossession. Ms. ****** contacted TFS on November 17, 2022 (following the repossession of her vehicle) to discuss her account and she was provided with the past due balance and status of her account.
  Pursuant to the lease contract Ms. ****** signed for the referenced vehicle, if a customer should default on payments, we may take possession of the vehicle as permitted by law and require our customer to pay the amounts set forth in the contract. Therefore, we respectfully decline Ms. ******'s request for reimbursement of the fees related to the lawful repossession. We have included Ms. ******'s lease contract as part of this response.
  If Ms. ****** should have any further questions, she may contact our Reinstatement Department directly at (866) 364-8758, 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.

• Initial Complaint

  Date:11/12/2022

  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.

  On November 10, 2022 I was notified on my credit report of a missed/late payment delinquency on my Toyota Lease account for my ********************** Is 350 2021 that I had leased through Toyota Lexus Financial. I called Toyota Financial Services on Nov 10, ********************************************************************************************************************* September on the 14th and next payment due would've been October 13th as my usual due date. Payment was due Oct 13th and vehicle was declared a total loss Oct 22nd by ***** and paid with account closed Nov 3, 2022. The late payment is inaccurate as Nov 13th, 2022 would've been the accurate 30 day delinquent time to report to credit bureau had the car not been deemed total loss by insurance and paid by insurance Nov 3, 2022. Being that this account is in closed status as of Nov 10, 2022 and total loss department with Toyota Financial services, it should not be deemed delinquent payment and impacting my credit report negatively and dropping my credit score for inaccurate reporting. This is deemed to be inaccurate and an incorrect report that I would like to be removed from my credit report and disputed for inaccuracy. I've attached all necessary documentation for review as evidence to suffice my claim. Please update and review accordingly.

  Business Response

  Date: 11/29/2022

  
  November 29, 2022
  BBB Case #********
  Elleshisa ****
  2021 Lexus IS350
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (****) by Ms. ******************* regarding her concerns with a late payment being reported against her credit tradeline for the above referenced vehicle.
  Our records reflect ****************** also filed a complaint with the Consumer Financial ***************** (****) on November 14, 2022, 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 November 29, 2022. We understand ********************** time is valuable, and we appreciate her patience while we thoroughly review the concerns.
  
  We are including Personally Identifiable Information (***) as necessary to respond to the complaint as submitted by the consumer. We do not control how or whether the BBB safeguards our response or the *** contained in our response after submission
  

  Customer Answer

  Date: 12/04/2022

  (The consumer indicated he/she ACCEPTED the response from the business.)
  Lexus Toyota corrected credit report and provided response to Consumer Financial Bureau with detailed response.

  Customer Answer

  Date: 01/17/2023

  Lexus Financial Services Toyota Motor Credit sent a debt collection letter on 12/16/2022 that I have attached stating that I am to pay an amount owed debt of $619.36 for the 2021 Lexus is 350 that was declared and paid as a total loss by Geico November 3, 2022 according to Lexus. I called Lexus 1/10/2023 to resolve issue with no avail as I received no solution to resolve incorrect debt. In previous complaint against Lexus Financial Services Toyota Motor Credit for same 2021 Is 350 that I have attached to this claim as proof, Lexus stated, "Our records reflect that the account was closed as of November 3, 2022 due to insurance loss, and the balance on the account is zero. We mailed a letter of guarantee to Geico, dated November 7, 2022, advising that the title or security interest to the vehicle would be released upon receipt of the settlement payment in the amount of $49,256.69. Our records also reflect that we received the settlement payment on November 22, 2022". As of November 22, 2022 this account should be paid and closed off my credit report. The letter Lexus sent 12/16/2022 looks to be of a refund that is instead owed to me in the amount of $619.36 and an incorrect debt lexus is trying to collect. Lexus is also in violation of lease agreement as the lease is covered by GAP coverage and as of today no GAP coverage has been applied to closed account.
  

  Business Response

  Date: 01/26/2023

  January 26, 2023
  BBB Case #********
  Elleshisa ****
  2021 Lexus IS350
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (****) by Ms. ******************* regarding her concerns with the remaining balance.
  Our records reflect ****************** also filed a complaint with the Consumer Financial ***************** (****) on January 11, 2023, 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 12, 2023. We understand ********************** time is valuable, and we appreciate her patience while we thoroughly review the concerns.
  
  We are including Personally Identifiable Information (***) as necessary to respond to the complaint as submitted by the consumer. We do not control how or whether the BBB safeguards our response or the *** contained in our response after submission.
  

  Customer Answer

  Date: 01/27/2023

  (The consumer indicated he/she DID NOT accept the response from the business.)
  Lexus/Toyota is very inconsistent and deceptive and fraudelent in thier practices. The $619.36 is a fraudelent debt that occured after payment was received by Geico 11/7/2022 in the amount of $ 42, ****** that zeroed the account balance per ********************** response to intial complaint 11/29/2022. Lexus then sent out a debt letter 12/16/2022 stating the $619.36 amount owed. Lexus GAP signed in the lease agreement in August 2021 shouldve covered this fraudlenet remaining balance.Lexus has failed to abide by thier lease agreement which includes GAP insurance and provide the payment for the remaining balance of $619.36 which came on 12/16/2022 after Lexus responded the balance had been zeroed out with account closed as of 11/3/2022. As of today January 27, 2023 Toyota/ Lexus financial services is still reporting my account for the leased Lexus 2021 IS 350 as an open revolving account in the amount of $31,999 with intial starting loan balance of $45, 600 with beginning intial payment August 2021 as I have attached as proof. This is inaccurate as the account was closed as of November 3, 2022 with a zero balance as payment had been received by geico to Lexus in the amount of $42, ****** as a total loss with a mailed letter of guarantee for the title to Geico on November 7, 2022 per Lexus intial response to deceptive credit reporting complaint to Consumer Financial Bureau on November 29, 2022 stating that account had been closed with zero balance per Lexus. I have also attached this intial reponse to this complaint as well for review. This account is inaccurate in the amount and open status and Toyota/Lexus is fraudelent and deceptive in thier credit reporting actions. I have also attached the dispute I submitted with the credit bureaus on January 24, 2023 as well to show account is still inaccurately reporting on my credit report. Lexus/Toyota is fraudulent is thier contracts and decpetive in credit reporting and services. I have attached all documents as proof of evidence for review.
  See Attachment/File: Lexusresponse

  Business Response

  Date: 02/08/2023

  February 8, 2023
  BBB Case #********
  Elleshisa ****
  2021 Lexus IS350
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (****) by Ms. ****************** regarding her concerns with credit reporting.
  Our records reflect ****************** also filed a complaint with the Consumer Financial ***************** (****) on January 27, 2023, 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 February 10, 2023. We understand ********************** time is valuable, and we appreciate her patience while we thoroughly review the concerns.
  
  We are including Personally Identifiable Information (***) as necessary to respond to the complaint as submitted by the consumer. We do not control how or whether the BBB safeguards our response or the *** contained in our response after submission.
  

  Customer Answer

  Date: 02/15/2023

  (The consumer indicated he/she DID NOT accept the response from the business.)
  A response has not been received by Toyota Motor Credit Corporation to Consumer Financial ***************** as of February 10th 2023. Consumer Financial ***************** sent email February 10th, 2023 stating Toyota/Lexus Motor Credit Corporation is still awaiting a response to complaint. I am not accepting of this delay and request Toyota Lexus Motor Credit Corporation respond to *********************** and Consumer Financial ***************** per same pertinent issue.
  See Attachment/File: Outlook Document2.PDF

  Business Response

  Date: 02/20/2023

  February 20, 2023
  BBB Case #********
  Elleshisa ****
  2021 Lexus IS350
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (****) by Ms. ******************* regarding her concerns with the remaining balance.
  Our records reflect ****************** also filed a complaint with the Consumer Financial ***************** (****) on January 11, 2023, 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 29, 2023. We understand ********************** time is valuable, and we appreciate her patience while we thoroughly review the concerns.
  
  We are including Personally Identifiable Information (***) as necessary to respond to the complaint as submitted by the consumer. We do not control how or whether the BBB safeguards our response or the *** contained in our response after submission.
  

  Customer Answer

  Date: 02/26/2023

  (The consumer indicated he/she DID NOT accept the response from the business.)
  I do not accept the constant pushback and delay of response by toyota/Lexus motor credit corporation. Please provide an update prior to March 29, 2023 to pertinent issue complaint filed January 27th to both *********************** and Consumer Financial ******************

  Customer Answer

  Date: 03/15/2023

  ***Document Attached***
  On March 9, 2023 I received a notice from my credit report of a delinquent account that had been charged off as bad debt by Toyota Motor Credit Lexus corporation around Feb 28,2023. After reviewing my credit report, my credit report showed Toyota had decreased the loan amount balance $31,999 to a balance of $31,438 that resulted in a charge off balance of $561 on Feb, 28, 2023. Toyota then closed account as bad debt charge off same day Feb 28, 2023. I was never notified of this new balance of $561 dated Feb 28, 2023 to either allow verifying of the accuracy of the debt or ability to dispute. I filed a complaint against Toyota Motor Credit with Consumer Financial ***************** on 1/18/2023 from a letter I received 12/16/2022 from Toyota stating an amount owed of $619.36 for the account closed on November 3,2022 with a zero balance for the total loss payment of the vehicle received by Geico in the amount of $42, ****** that I also found discrepancy in. Toyota has last stated a balance of $619.36 from letter I received but my credit report is showing a balance of $561 same day Toyota closed the account on Feb 28, 2023 as inaccurate bad debt charge off which has negatively effected my credit report and shown as delinquent account as well as never notifying me of any new amounts Toyota is again acting in fraudulent deceptive credit reporting practices. I have also filed a complaint against Toyota in regards to the discrepancy of the differences in amount balances showing on my on my credit report versus the amounts Toyota is stating. I have attached proof of my credit report and letter from Toyota.
  See Attachment/File: Screenshot_20230310_093221_Chrome

  Business Response

  Date: 03/21/2023

  
  March 21, 2023
  BBB Case #********
  Elleshisa ****
  2021 Lexus IS350
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (****) by Ms. ****************** regarding her concerns with credit reporting.
  Our records reflect ****************** also filed a complaint with the Consumer Financial ***************** (****) on or after March 10,2023 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 24, 2023. We understand ********************** time is valuable, and we appreciate her patience while we thoroughly review the concerns.
  
  We are including Personally Identifiable Information (***) as necessary to respond to the complaint as submitted by the consumer. We do not control how or whether the BBB safeguards our response or the *** contained in our response after submission. Toyota Financial Services is a service **** of Toyota Motor Credit Corporation (****). 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 ****, TLT, and their securitization affiliates.
  

  Customer Answer

  Date: 03/27/2023

   
  Complaint: 19842131
  
  I am rejecting this response because:Please provide same CFPB response to BBB complaint to pertinent issue complaint filed January 27th to both *********************** and Consumer Financial Protection Bureau.
  
  Sincerely,
  
  Elleshisa ****

• Initial Complaint

  Date:11/03/2022

  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 CREDIT is reporting my transactions and experiences specifically twenty-two late payments on my Experian, TransUnion and Equifax consumer reports :1.December 2018 reported that my transaction was 30 days late.2.January 2019 reported that my transaction was 30 days late.3.February 2019 reported that my transaction was 60 days late.4.March 2019 reported that my transaction was 90 days late.5.April 2019 reported that my transaction was 30 days late.6.May 2019 reported that my transaction was 60 days late.7.August 2019 reported that my transaction was 30 days late.8.October 2019 reported that my transaction was 30 days late.9.November 2019 reported that my transaction was 60 days late.10.December 2019 reported that my transaction was 60 days late.11.January 2020 reported that my transaction was 30 days late.12.July 2020 reported that my transaction was 60 days late.13.February 2021 reported that my transaction was 30 days late.14.March 2021 reported that my transaction was 30 days late.15.June 2021 reported that my transaction was 30 days late.16.July 2021 reported that my transaction was 30 days late.17.August 2021 reported that my transaction was 30 days late.18.September 2021 reported that my transaction was 30 days late.19.October 2021 reported that my transaction was 30 days late.20.November 2021 reported that my transaction was 60 days late.21.December 2021 reported that my transaction was 60 days late.22.August 2022 reported that my transaction was 30 days late.TOYOYA MOTOR CREDIT is in clear violation of the law. Pursuant 15 USC §1681a 2(A)(i).Transactions between the consumer (ME) and the person (YOU) (TOYOTA MOTOR CREDIT) Making the report is NOT INCLUDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. TOYOTA MOTOR CREDIT must update my Transaction/Payment history and DELETE all late payments from the below account: account:ACCT # XXXXXXXXXXXXXXXXX

  Business Response

  Date: 02/06/2023

  Business Response /* (1000, 5, 2022/11/16) */
  November 15, 2022
  BBB Case # XXXXXXXX
  ***** *******
  Account # XXX-XXXXXXX
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by ***** *******.
  
  First and foremost, TFS would like to thank ***** ******* for bringing their concerns to our attention.
  
  After a thorough review of ***** *******'s account, we discovered that the information that TMCC has provided to the Credit Reporting Agencies (CRAs) in regards to ***** *******'s account is accurate and reflects accurately with the CRAs.
  
  Please know that TFS makes every attempt to positively respond to all of our customers; however, we are required to report all information accurately to the Consumer Reporting Agencies (CRAs) based on a customer's payment history.
  Unfortunately, we are unable to accommodate ***** *******'s request to remove negative information from their tradeline as we are required to report accurate information to the CRAs.
  
  Please know TFS strives for excellence in customer satisfaction, and we sincerely appreciate ***** ******* for bringing this matter to TFS's attention. If ***** ******* should have any further questions, they may contact our Customer Service Center at 1-800-874-8822, 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.

• Initial Complaint

  Date:11/03/2022

  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 asked Toyota to provide me with a copy of an invoice to pay for a Prius owned by my son (VIN #**********XXXXXXX) and transferred to me. Toyota told me my son needed to contact Toyota. He did so. Still I have not received a copy of the invoice.

  Business Response

  Date: 02/06/2023

  Business Response /* (1000, 5, 2022/11/15) */
  November 15, 2022
  BBB Case# XXXXXXXX
  **** ********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by **** ********, regarding his request for an invoice on the account belonging to his son. First and foremost, we would like to extend our sincerest apologies for the frustration Mr. ******** endured when contacting our customer service center regarding the payment invoice and transfer of payment responsibility.
  
  Our records do not reflect that Mr. ******** has been added as an authorized party or transferee of the account being referenced. On August 25, 2022, Mr. ******** also filed a complaint via our Executive Office of Toyota Financial Services (TFS) and was provided the appropriate steps to gain account authorization. Since we do not have any record of this authorization, and in an effort to protect the privacy of our account holder's information, we remain unable to provide Mr. ******** with the information he has requested.
  
  Toyota Financial Services (TFS) strives for excellence in customer satisfaction, and we hope this response serves as a step in resolving Mr. ********'s concern. Should Mr. ******** or the account holder have any additional questions, they may both contact our Customer Service Center at 1 (800) 874-8822, 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.

• Initial Complaint

  Date:10/22/2022

  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.

  I did a lease buy out from Roseville Toyota in Roseville, CA during the first week of March 2022 for my 2019 Toyota Camry and I have still not received my vehicle title. I have been told that the vehicle titled would be mailed to me in 6-8 weeks and I have still not received it. I have been in communication bi-monthly with Toyota Financial Services, my auto insurer/ lien holder USAA and have had no luck receiving my title for the vehicle. It's been 8 months and I feel like this could take even longer and I may run into issues with the DMV when it comes time to register the vehicle next year. Any help in the matter would be greatly appreciated.
  
  Thank you,
  
  ******* *******
  ***************
  

  Business Response

  Date: 01/11/2023

  Business Response /* (1000, 5, 2022/10/27) */
  October 27, 2022
  BBB Case# ********
  ******* *******
  Account Number: *************
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by Mr. ******* *******, regarding his concerns with receiving his title in a timely manner for his purchased lease.
  
  Our records indicate on April 21, 2022, Mr. ******* was sent a notarized Lien Release, Power of Attorney along with Bill of Sale, via regular mail to his verified address on file. Mr. ******* contacted Toyota Financial Services (TFS) on April 29, 2022, to obtain an update on his documents that were previously requested. The expected timeframe for Mr. ******* to receive his title was 10-14 mailing days. Our records reflect Mr. ******* contacted Toyota Financial Services on numerous occasions to follow up on his request, as he did not receive the title as expected. Unfortunately, his follow up requests were not relayed to the appropriate teams at TFS, and due to an inadvertent error, Mr. *******' request for a duplicate title was not submitted until August 29, 2022 and was sent via FedEx over-night shipping. The FedEx tracking number is ************, which was delivered on August 30, 2022, to California Department of Motor Vehicles, per the FedEx website.
  
  Upon review of this complaint, and to ensure Mr. ******* receives his duplicate title, we will proactively continue to contact the California Department of Motor Vehicles to obtain an update on his duplicate title request and contact Mr. ******* via phone to discuss the status and next steps.
  
  We regret to learn of the delays that took place with Mr. *******' title and his experience with our agents while attempting to gain a better understanding of receiving the title, but we hope to have addressed this matter amicably. If Mr. ******* has 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.
  
  
  Consumer Response /* (3000, 7, 2022/10/31) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  The response from Toyota Motor Credit corporation is accurate. However, it fails to provide the details and glosses over their inadvertent errors of this vehicle purchase.
  
  The bottom line, I purchased my vehicle at the end of February 2022 and was informed by Toyota Financial Services that a vehicle title would be mailed to me in 8-10 weeks. It is now October 31, 2022, and I have still not received my vehicle title in the mail.
  
  
  Business Response /* (4000, 9, 2022/11/08) */
  November 08, 2022
  BBB Case# ********
  ******* *******
  Account Number: *************
  
  Toyota Motor Credit Corporation (TMCC) is in receipt of the follow up concerns stated by Mr. ******* *******, regarding his dissatisfaction with our previous response and ongoing concerns with receiving his title in a timely manner.
  
  As indicated in our previous response, we identified that Mr. *******' follow up requests for his title were not relayed to the appropriate teams at Toyota Financial Services (TFS), which resulted in a delay of requesting a duplicate title for his vehicle.
  We have been actively working with the California Department of Motor Vehicles (DMV) to obtain an update on his duplicate title request, and as of November 4, 2022, we have confirmed receipt of his title from the DMV. On November 07, 2022, we contacted Mr. ******* and provided him the over-night FedEx tracking number ************ for his duplicate title, which will be delivered to his address on file on November 08, 2022, according to the FedEx website.
  
  We apologize for the ongoing frustration Mr. ******* endured, and hope to have addressed this matter amicably. If Mr. ******* has any further questions, he may contact our Customer Service Center directly at **************, Monday through Friday, 8am-8pm.
  
  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.
  
  
  Consumer Response /* (2000, 11, 2022/11/09) */
  (The consumer indicated he/she ACCEPTED the response from the business.)
  Thank you. I have now received my vehicle title.