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

  4 Gatehall Dr Parsippany, NJ 07054

• 

  Toyota Financial Services

  500 Kehoe Boulevard Wheaton, IL 60187

• 

  Toyota Financial Services

  P.O. Box 5855 Carol Stream, IL 60197

• 

  Toyota Financial Services

  PO Box 9550 Cedar Rapids, IA 52409

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:02/22/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My grandfather passed away and a vehicle was left to my father. The vehicle is paid off, but the lean was left on. My father has sent all the correct paperwork to have the lean release put in his name so the *** can release the title to him in **************. Toyota keeps sending the lean release in my grandfather's name which the *** will not accept. My father has requested over and over but they keep sending the release in his father's name who is passed away, but the lean release needs to be in my father's name because the title is in his name. Toyota keeps sending him in circles and he does not know where the title is or what to do anymore, no one will help him on a vehicle that they paid off.

  Business Response

  Date: 02/26/2025

  February 26, 2025
  BBB Case#********
  **** *******
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by **** ******* regarding the request for a lien release. First and foremost, we would like to extend our sincerest apologies for any frustration **** Fersacis father endured when contacting Toyota ************* regarding his lien release request. Secondly, please accept our sincere condolences for his loss.
  
  Our records do not reflect that Mr. **** ******* has been added as an authorized party,nor has been designated as a trustee to discuss contract details. To remain compliant with Federal privacy laws and any state specific regulations regarding the sharing of information, we are unable to disclose account information without proper authorization.
  
  We realize this may not be the response he desired, but we hope our above reply has resolved this matter amicably.
  
  TFS strives for excellence in customer satisfaction, and we hope the explanation provided is helpful. If Mr. ******* has any further questions regarding a lien release request, he may contact our ************************ Monday through Friday at **************.
  
  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.
  
  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:02/21/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On February 14, 2024, my deceased mother her car was towed when I got pulled over.On April 26, 2024, I applied for a car loan with Navy Federal Credit Union ****** dollars that was paid to Toyota Motor Credit Corporation. I was supposed to receive a Tile for the vehicle after the payment, when I contacted Toyota Financial they said they would put in a request for the Tile of the car which the previous owner was my deceased mother who passed. I ended up taking responsibility for the loan. My dispute is I have been vehemently spoken, and contacted supervisors in the higher-up in Toyota Financial for a whole year now. I currently pay a monthly loan of $567.49 but cannot drive legally because the car isn't Titled. The *** requested to bring the most recent tile that was acquired in ******* without my knowledge that was ******* of now I'm in the process of consulting with a lawyer to get legal advice on what I could do next.I have paid over ***** and have yet to drive it.

  Business Response

  Date: 02/28/2025

  February 28,2025
  
  BBB Case: ********
  Contact Name: ******* *******
  
  The ***************** of Toyota Financial Services (TFS) is in receipt of the complaint filed against Toyota Motor Credit Corporation (TMCC) and TFS regarding ******* Sekyeres request for assistance with obtaining a title to a vehicle.
  
  The privacy of our customers is vital. *** respects the privacy of our customers and employs procedural safeguards to protect the confidentiality and security of our customers information. Our goal is to ensure we are in compliance with federal privacy laws and any state-specific regulations regarding the sharing of information. 
  
  Based on the details supplied in your correspondence, as an unauthorized party, we are unable to fulfill this request on your behalf.
  
  We respectfully request that the customer or the authorized party on the account contact us at the telephone number provided below to provide full authorization to discuss the account with you, or they may contact us directly to discuss the above-mentioned concern.
  
  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:02/21/2025

  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.

  DEBT VALIDATION LETTER ****** ******** *********************************** Toyota Motor Credit Corporation ******************************************* N.E.**********************-6634 I am reaching out to whomever this matter concerns on behalf of ****** *****-****** ******** IV, a federally protected consumer. I am enforcing his rights as a trustee and secured party to his estate according to 15 *** 1692g by asking your company to VALIDATE the alleged debt as well as send me evidence that he is obligated to pay this alleged debt. He is not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer. The Repo of the ************** ***************** was also illegal. The **** personnel broke into private property and did not notify the property manager. This isa violation of UCC Section ****** as it is a "breach of the peace". Evidence is attached. I am also making your company aware that invalidated information on his consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if his rights continue to be violated under the ***** and ****. You have 30 days to validate this debt and during this time all furnishing and collection activities must cease and desist through any and all mediums including his consumer report. If your company and/or office fails to respond within 30 days to validate this debt it shall be deleted and removed from his credit file immediately. I have also attached a CEASE AND DESIST that is effective immediately.

  Business Response

  Date: 02/26/2025

  February 26, 2025
  BBB Case#********
  ****** ********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) on behalf of ****** ********, regarding the repossession of his vehicle and credit ****ers reported against his credit tradeline.
  
  Our records do not reflect that proper authorization has been provided, nor has designated trustee been identified by the account holder, to discuss contract details. In an effort to protect the account holders privacy, we are unable to provide specific details pertaining to the account. Please know, we respect the privacy of our customers and employ procedural safeguards to protect the confidentiality and security of our customers information. Our goal is to ensure we are compliant with Federal privacy laws and any state specific regulations regarding the sharing of information.
  
  TFS strives for excellence in customer satisfaction, and we hope the explanation provided is helpful. If Mr. ******** has any further questions regarding his account status, he may contact our ************************ Monday through Friday at **************.
  
  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.
  
  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:02/20/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Fidelity mailed a check for the cancelation of my car warranty. Toyota Motor Credit/Toyota Financial Services has yet to credit my account for the canceled warranty. It has been over 30 days. When I call in the representatives are rude, and keep me on hold for long periods of time to only not resolve the issue. Fidelity sent the checks to *************************************************************. Toyota Financial Services representatives have been of no assistance to handle the issue. Warranty checks were mailed to Toyota and after 30 days still have not been added to the account and the representatives refuse to offer help to resolve the issue. This complaint is against Toyota Motor Credit and Toyota Financial Services.

  Business Response

  Date: 03/04/2025

  March 4, 2025
  
  BBB Case: ********
  Contact Name: ****** ********
  Account Number: ********** and **********
  
  The ***************** of Toyota Financial Services (TFS) is in receipt of the complaint filed against Toyota Motor Credit Corporation (TMCC) and TFS regarding ****** McKenzies request for assistance with the above-referenced TFS vehicle accounts in relation to the status of two refunds from Fidelity Warranty Services, ****
  
  We thank our customer for bringing their account concerns to our attention and for sharing their feedback on their experience with TFS so that we have the opportunity to improve. Please know, our team members are trained to the highest standards. We understand our customers rely on the companies they do business with to provide accurate information.
  
  In reference to the account ending in N494, our records reflect two 3rd party warranty refunds were applied to the account as payments. One refund in the amount of $1,351.00 is effective on December 19, 2025. The second refund is in the amount of $850.00, effective on January 22, 2025. As of today, this account is paid through May 1, 2025.
  
  Additionally, upon researching further, no funds associated with the cancellation of optional warranty products have been applied to the account ending in 9854; however,Toyota of Forth Worth originally notified TFS on December 17, 2024, that the contract reflected the incorrect VIN. The incorrect VIN ends in ***************** was also provided the incorrect VIN according to the agreements provided by the dealer. The correct VIN has been updated in our system for the 2025 Toyota Camry, VIN ending in SU062256. We have included copies of the Fidelity agreements with this response for our customer to reference. We respectfully request that ****** ******** reach out to Toyota of ********** for support and assistance with Fidelity.
  
  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:02/20/2025

  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 have a contract with Lexus which began in 12/2021. That was the beginning of issues with my contract. I was advised by the dealership whom I purchased the vehicle from that my 1st due date was 1/2022, so paid on 1/23/2022. Which caused my account to be late because Lexus Fin. says the 1st payment was due on 12/27/2021. My lastest issue is on 5/30/2024 payment was made of ****** and 6/04/2024 of ******. On June ****** I spoke with a *** and made a commitment for an extension on my loan. The document states its for April and May payment next payment due would be ****** 6/27/2024. The *** wasnt aware of the returned payments. ( before the 2 mentioned payments that were reversed the next payment due would be for March 2024. February 2024 payment was made on 4/23/2024. So, now the extension will cover March and April of 2024, with the next payment due May 27, 2024 of ******. I made a payment of ****** on June ******* and Lexus has placed this payment towards May yet ****** was due for May not a complete payment. The ***s *** spoken to says its because of my payment history or per dime per day, none of these issues has no numerical explanation of why June 10th payment went towards May payment. *** called probably 10 times to speak with a manager but there is never the opportunity nor a called back. *** request my payment history and called back to go over with ***s but no resolution.

  Business Response

  Date: 02/27/2025

  February 27, 2025
  BBB Case# ********
  ***** *********
  Account *****************
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by ***** ********* regarding her past due balance and collection activity for the above referenced account. First and foremost, we would like to extend our sincerest apologies for the frustration Ms. ********* endured while contacting our customer service center regarding her payment history.
  
  Our records indicate that on April 30, 2024, Ms. ********* signed a contract for the purchase of a 2020 Lexus NX300 with seventy-two payments of $793.76 due on the 27th 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 thorough investigation and based on the attached payment history, Ms. ********** past due amount is accurate. She was approved for two months of extension for March and April 2024, after a previous payment was returned by her financial institution. According to the payment history, the account does not reflect an early payment beyond the minimum payment of $25.68. The last payment of $800 was applied towards her December 27, 2024, monthly payment. We encourage ************ to contact our Lexus Financial ****************** to arrange payment for her past due balance.
  
  We realize this may not be the response she desired, but we hope our above reply has resolved this matter amicably.
  
  Please know that Lexus Financial Services strives for excellence in customer satisfaction. If there are any additional questions regarding this concern, please contact us at **************.
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission.
  
  Lexus Financial Services is a service **** of Toyota Motor Credit Corporation (TMCC). Retail installment accounts may be owned by ****, or its securitization affiliates and lease accounts may be owned by Toyota Lease Trust (***) or its securitization affiliates. **** is the servicer for accounts owned by ****, ***, and their securitization affiliate. 

  Customer Answer

  Date: 02/27/2025

  I am rejecting this response because:   The findings are not accurate. You have provided a statement without showing evidence of the decision being made. 

  Business Response

  Date: 03/04/2025

  Mach 04, 2025
  BBB Case# ********
  ***** *********
  Account Number: **********
  
  ********************** (TMCC) and Lexus Financial Services (LFS) are in receipt of the rebuttal filed by ***** ********* regarding her past due balance and collection activity for the above referenced account. We regret to learn she was dissatisfied with our previous response; however, based on our review on her account, our position remains the same.
  
  As indicated in our previous response, Ms.Armstrongs past due amount is accurate based on the attached payment history.She was approved for two months of extension for March and ***** 2024, after a previous payment was returned by her financial institution. According to the payment history, the account does not reflect an early payment beyond the minimum payment of $25.68. The last payment of $800 was applied towards her December 27, 2024, monthly payment. We encourage Ms. ********* to contact our Lexus Financial ****************** to arrange payment for her past due balance.
  
  The payment history for the account is as follows:
  
  Extension for March and ***** was processed on June 07, 2024.
  
  Payments made:
  Payment 25: remitted on June 10, 2024, for $793.76 was applied towards May 27th, 2024.
  Payment 26: remitted on July 26, 2024, for $793.76 was applied towards June 27, 2024
  Payment 27: remitted on October 04, 2024, for $3,284.72, which was returned unpaid by her bank on October 09, 2024.
  Payment 28:  remitted on October 10, 2024, for $793.76 was applied towards July 27, 2024.
  Payment 29: remitted on November 02, 2024, for $793.76 was applied towards August 27, 2024.
  Payment 30:  remitted on December 02, 2024, for $794.00 was applied toward September ,27, 2024
  Payment 31:  remitted on December 24, 2024, for $794.00 was also returned unpaid on December 28, 2024.
  Payment 32: remitted on December 30, 2024. For $793.76   was applied towards October 27, 2024.
  Payment 33: remitted on January 13, 2025, for $794.00 was applied towards November 27, 2024.
  Payment 34: remitted on January 31, 2025, for $800 was applied towards December 27, 2024.
  
  We realize this may not be the response she desired, but we hope our above reply has resolved this matter amicably.
  
  Please know that Lexus 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 **************.
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer.We do not control how or whether the BBB safeguards our response or the *** in our response after submission.
  
  Lexus Financial Services is a service **** of Toyota Motor Credit Corporation (TMCC). Retail installment accounts may be owned by ****, or its securitization affiliates and lease accounts may be owned by Toyota Lease Trust (***) or its securitization affiliates. **** is the servicer for accounts owned by ****, ***, and their securitization affiliate. 

• Initial Complaint

  Date:02/19/2025

  Type:Sales and Advertising 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 am writing regarding my 2011 Toyota Camry, which I purchased in cash from Toyota ********* on November 10, 2010. The dealerships address is: Toyota *****************************************************************************************************A few months ago, it came to my attention that there is an issue with the vehicles title when I tried to sell my car. Despite purchasing the car in cash, Toyota Motor Credit Corporation (TMCC) placed a lien on this vehicle by Toyota's error and did not transfer the title to me. After many calls to **** at **************, I finally received a lien release letter from them. I subsequently visited the *** with the lien release letter. However, the *** employee informed me that, since **** holds a paperless title for this vehicle, they are unable to complete the title transfer with just the lien release letter. According to the **** TMCC must fill out the appropriate form and initiate the title transfer. Unfortunately, despite my numerous calls to TMCC at **************, their representatives have been unable to address my situation or escalate my request to the Toyota ***************** They just hang up the phone without transfterring my call to **** title department or pass my information to their managers. The *** made it clear that this matter can only be resolved by the Toyota **************** because it involves a paperless title.I also mailed a letter with supporting doucments in Jan 21, 2025 after many unsuccessful phone calls. I kindly requested that the letter be forwarded to the Toyota **************** so that the appropriate person can address this issue by filling out the required form and transferring the paperless title to me.But Nothing happens.Below is my contact and vehicle information:Owner Information:Name: ******************* **************************************** Phone: ************ Email: ******************** Vehicle Information:Year: 2011 Make: Toyota Model: Camry VIN: *****************

  Customer Answer

  Date: 02/24/2025

  Thank you for your help. We have dealt with **** for a few months and could not reach to a right person. We will have patience.

  Thank you again.

  Junchen

  Business Response

  Date: 02/28/2025

  February 28,2025
  
  BBB Case: ********
  Contact Name: Junchen Du
  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 Junchen Dus request for assistance with the above-referenced TFS vehicle account.
  
  Our records confirm that Junchen Du did not finance the 2011 Toyota Camry (VIN ending in BU138092) with TFS; therefore, TFS is listed in error as the lienholder due to a dealership error titling the vehicle at purchase.
  
  Although the previous two documents confirming TMCC does not have any security interest in the referenced vehicle were not accepted by the state of California, *** is providing additional support to Junchen Du to assist with a resolution. The *** Title Resolution team is partnering with the California Department of Motor Vehicles (CA DMV) to electronically release the lien error.
  
  We respectfully request that Junchen Du follow up with the CA DMV on Friday, March 7, 2025, for an update and support for next steps on a resolution.
  
  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.

  Customer Answer

  Date: 02/28/2025

  Thank you very much for the help. I will check on 3/7/2025 with DMV to see whether the issue is addressed.

  Junchen

  Customer Answer

  Date: 03/08/2025

  I have reviewed the business response and accept this resolution. 

  With BBB's involvement, **** started to take action to fix the error. When **** could not transfer the title electronically as required by the California *** because **** did not have a record of my car's VIN in the electronic system, TMCC mailed me a notarized, filled CA state form to transfer the title to me. I visited the *** office today. With that notarized CA state form (Application for Replacement or Transfer of Title) from TMCC, the *** was able to transfer the title to me. The issue started in December 2024, and I could not get a proper response from TMCC before BBB's involvement. Without BBB's involvement, I don't think this issue could have been addressed. I really appreciate BBB's engagement in helping me get my car's title issue resolved.
  Thanks,

  Junchen

• Initial Complaint

  Date:02/18/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am receiving a past due phone calls on a 2022 Toyota Tacoma that was traded in approximately 3 weeks ago to Hall Toyota of **********************. I do not know why they have not sent the final payment to Toyota Financial as of yet and have attempted to contact them to find out why, but have yet to receive word back from them. In the meantime the calls are stating I am delinquent on a vehicle I no longer own and that I could face reporting to the credit agencies regarding the delinquency. I attempted to point this out to both the representative and their manager and they told me it is not their problem it is mine (paraphrasing). I asked them for an email address so I could send them a copy of the contract showing that Hall Toyota of ************** is in possession of the vehicle and agreed to send the payoff amount to Toyota Financial. I was told by the supervisor they do not have an email address (I find that hard to believe). They also told me that they were recording the phone call per policy. I then let them know that was fine as I was recording the phone call as well to present to my attorney in case Toyota Financial follows through with reporting to the credit bureau and which point the Supervisor demanded I stopped recording. So I do not know if it is the policy of Toyota have one sided recording or not or if this may be a scam call demanding a payment. The number that called me was ************. It doesn't help that the callers were obviously foreign based by their accents and I work in Cyber Security for the US Government and this sound very much like a vishing scam.

  Business Response

  Date: 02/20/2025

  February 20, 2025
  BBB Case# ********
  ******* ******
  Account Number: **********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by ******* ******
  regarding the status of a retail payoff following a vehicle trade-in and collection activities regarding the above referenced account. We would like to extend our sincerest apologies for the frustration Mr. ****** endured during the interaction with our *************************** regarding the status of his TFS account.
  
  We are sorry to learn of the circumstances that prompted you to contact ***. We understand your frustration; however, it is important to understand that Toyota Financial Services relationship to the dealership is that of a financing source, similar to a credit union or a bank, and the dealership is an independent business entity over which *** has no control. *** is not involved in the negotiation process between customers and the dealership, with respect of the trade-ins or vehicle purchases.
  
  Please be advised, *** is unable to stop any collections activity on an open past due account until the TMCC/TFS account is successfully paid in full. We are required to continue our collection practices up to and including sending a Right to Cure notice in compliance with state and local laws.
  
  Furthermore,on February 19, 2025, TFS contacted Hall Toyota ************** to verify the status of the payoff check. The dealership confirmed that a delay occurred due to the need to reprocess and sign a new contract following a co-buyer name change on the new vehicle purchase. As a result, the 2022 Toyota Tacoma remained on hold for the payoff.
  
  As of February 19, 2025, the finance department has initiated the electronic processing of the payoff, which is expected to be completed within two to three business days. Upon successful processing, Mr. ****** will receive a paid in full letter regarding the updated status of his TFS account.
  
  TFS strives for excellence in customer satisfaction, and we hope the explanation provided is helpful. If Mr. ****** has any further questions regarding his account status, he may contact our ************************ Monday through Friday at **************.
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission.
  
  Toyota Financial Services is a service **** of Toyota Motor Credit Corporation (TMCC).Retail installment accounts may be owned by ****, or its securitization affiliates and lease accounts may be owned by Toyota Lease Trust (TLT) or its securitization affiliates. **** is the servicer for accounts owned by ****,***, and their securitization affiliate. 

  Customer Answer

  Date: 02/20/2025

  I have reviewed the business response and accept this resolution. 
  

  I would recommend better training of the staff and management as it came across as a vishing scam which led me to wonder if it was even real, especially the nature of how the representative and manager on duty handled the call. 

• Initial Complaint

  Date:02/18/2025

  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.

  My Toyota Corolla 2016 was paid off in 2021. I never received a lien release. I recently bought a new car, and am selling the Corolla to my sister. I am now paying for 2 insurances, waiting since January 27 2025 to receive the release that I was supposed to get in '7 to 10 business days.' There is no one to talk to but a person reading from a script in a country outside the **. It's now February 13, and they supposedly send it to me, at the address I gave them 3 separate times. I don't have it! And I feel I have no recourse for this matter. They were very attentive at the dealership in ******* NY, when they sold me the car, but no help whatsoever now.

  Business Response

  Date: 02/20/2025

  February 20, 2025
  BBB Case# ********
  **** ********
  Account Number: *********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by **** ******** regarding a lien release request on the above referenced account. We would like to extend our sincerest apologies for the frustration Mrs. ******** endured during the interaction with our *************************** regarding the status of her title and lien release request.
  
  Our records indicate that on September 16, 2021, after the account was paid in full, we mailed Mrs. ******** a paid in full letter, which indicates her account is considered as paid in full. We also enclosed her Certificate of Title or similar lien release.
  
  On February 06, 2025, Mrs. ******** contacted our Toyota ************************ and requested a lien release. Pursuant to Mrs. ********* request, our ************* Representative initiated a request to send a lien release to her updated mailing address. However, the document was sent via regular mail through U.S.Postal Services.
  
  To ensure Mrs. ******** receives the new lien release, we are now sending ************ a new lien release via ***** overnight shipping (tracking number ************), which is scheduled for delivery on February 20, 2025, to the updated mailing address provided by Mrs. ***************
  
  TMCC strives for excellence in customer satisfaction, and we hope to have addressed this matter amicably. If Mrs. ******** has any further questions, she may contact our ************************** directly at **************, Monday through Friday.
  
  Toyota Financial Services is a service **** of Toyota Motor Credit Corporation (TMCC).Retail installment accounts may be owned by ****, or its securitization affiliates and lease accounts may be owned by Toyota Lease Trust (***) or its securitization affiliates. **** is the servicer for accounts owned by ****,***, and their securitization affiliates.
  
  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:02/17/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 2/6/2025 I received a letter said I owe $830.02 past due with my Toyota account. Due to I have co-signed a car for my dad back in Sep 2024 I have reach out to my dad and got a letter of account payment history from Toyota. I have called Toyota and asked question on it. Toyota stated it was a mistake. However, as of 2/12/2025 my credit score have drop 94 points. After seeing the credit drop I have reach out to Toyota Financial again. After look in to the account, back in Dec 2024 Toyota have double withdraw payment online. they have refund the online payment as well sending out a refund check. therefore the Dec 2024 payment was missing without our knowing it. I have prove the payment history to support that. After finding out what is going on we have all payment cleared up to date. However, my credit score drop 94 points due to Toyota's mistake. There's no one for my to reach out to get my credit score back. please help reach out to Toyota Financial and get my 94 credit score back. thank you very much

  Business Response

  Date: 02/20/2025

  February 20, 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 Ms. ***** for bringing her concerns to our attention. 
  
  After a thorough review of Ms. ****** account, we discovered that no late markers are reporting on Ms. ****** credit profile.  We have determined the information that **** has provided to the Credit Reporting Agencies(CRAs) in regards to Ms. ****** account is accurate and reflects accurately with the CRAs.  
  
  Please know that *** makes every attempt to positively respond to all of our customers; however, we are required to report all information accurately to the *************************** (CRAs) based on a customers payment history.  
  
  Please know TFS strives for excellence in customer satisfaction and we sincerely appreciate Ms. ***** for bringing this matter to TFSs 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.
  
  

  Customer Answer

  Date: 02/20/2025

  I am rejecting this response because:   I have supporting to prove Toyota Financial is the responsibility part for my credit score drop and they have to fix it.

  Customer Answer

  Date: 02/21/2025

  Hello,

  I have rejected the reply from Toyota Financial yesterday and attached more supporting documents to prove its their fault my credit score dropped and they will need to fix it. I would like to do a follow up on this case. Please help update me on anything. Thank you.

  Customer Answer

  Date: 02/21/2025

  Hello,

  I have rejected the reply from Toyota Financial yesterday and attached more supporting documents to prove its their fault my credit score dropped and they will need to fix it. I would like to do a follow up on this case. Please help update me on anything. Thank you.

  Customer Answer

  Date: 02/21/2025

  Hello,

  I have rejected the reply from Toyota Financial yesterday and attached more supporting documents to prove its their fault my credit score dropped and they will need to fix it. I would like to do a follow up on this case. Please help update me on anything. Thank you.

  Customer Answer

  Date: 02/21/2025

  Hello,

  I have rejected the reply from Toyota Financial yesterday and attached more supporting documents to prove its their fault my credit score dropped and they will need to fix it. I would like to do a follow up on this case. Please help update me on anything. Thank you.

  Business Response

  Date: 02/24/2025

  February 24, 2025
  BBB Case # ********
  ****** *****
  Account # ***********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by ****** *****.  
  
  Ms. ****** complaint stated that she believed that her TFS account was being incorrectly reported on her credit profile with the four bureaus and is requesting for the information to be updated.
  
  After a thorough review of Ms. ****** account, we discovered that her tradeline is not reflecting the same correct information across the 4 Credit ****************** (****) based on the payment history.
  To correct this, an update was sent today to the **** to update the tradelines to accurately reflect the payment history.  
  
  Please know TFS strives for excellence in customer satisfaction, and we sincerely appreciate Ms. ***** for bringing this matter to TFSs attention.  ************ 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.

  Customer Answer

  Date: 02/26/2025

  I have reviewed the business response and accept this resolution. Thank you for the help to get Toyota Financial to fix the errors they made. 

• Initial Complaint

  Date:02/17/2025

  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 PULLED A PAYMENT FOR A VEHILCLE FROM THE WRONG ACCOUNT AND NOW THEY ARE SAYING THAT I AM OVER 600 DOLLARS BEHIND. THE ACCOUNT THEY WERE PULLING FROM WAS NOT MY ACCOUNT BUT MY DAUGHTERS ACCT. THEY WOULD NOT HELP ME RESOLVE THIS AS IT WAS NOT THEIR FAULT. I WILL NEVER BUY ANOTHER VEHICLE FROM TOYOTA OR STEP FOOT A PLACE THAT SELLS TOYOTA AS THEY DO NOTHING BUT RIP OFF THEIR CUSTOMERS-- THEY JUST LAUGHTED AT ME WHEN I CALLED TO RESOLVE THIS MATTER. I LIVE PAY CHECK TO PAYCHECK AND THE PAYMENTS ARE VERY EXPENSE AND THEY WOULD NOT HELP REDUCE THE PAYMENTS .. THEY ONLY WANT TO RIP OFF THEIR CUSTOMERS. I WOULD LIKE THEM TO CANCEL AT LEAST ONE FULL PAYMENT ON THE VEHICLE OR CANCEL THE LOAN SHOWING THAT I NOW OWN IT DUE TO THE DECEPTIVE WAYS THEY OPERATE

  Business Response

  Date: 02/18/2025

  February 18, 2025
  BBB Case# *******
  **** ******
  Account Number: **********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by **** ****** regarding her online payments for the above referenced account. First and foremost, we would like to extend our sincerest apologies for the frustration Mrs. ****** endured when contacting our customer service center regarding her website payments.
  
  It is important to know our Pay Online feature is a customer-controlled payment method and payments are debited as authorized by our customer online. Our records indicate that on February 03, 2025, Mrs. ****** successfully logged into our Toyota App and scheduled a one-time payment for $440.00 using the bank account number ending with *** 3742. However, this payment was returned unpaid on February 07, 2025.
  
  Following this, on February 10, 2025, an additional payment of $207.05 was successfully processed using a bank account ending **** 1537. Please note that Toyota Financial Services (TFS) does not have access to login credentials, nor can we access full bank account numbers entered into our system. This is to ensure we maintain the privacy of your sensitive data.
  
  Our system reflect that Mrs. ****** has two bank accounts saved under her profile, and payments remitted with the bank account ending in *****3742 are being returned as unpaid by her bank. If Mrs. ****** would like to remove this bank account from our system, please follow these steps:
  
  Login into her account at **************************************************.
  
  Click on Profile and Settings.
  
  Select Manage Payment Methods.
  
  Removed the bank account.
  
  Our records reflect on March 11, 2021, Mrs. ****** signed a contract for seventy-two payments of $432.59. 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 product, and the length of the term.
  
  Additionally,regarding her schedule monthly payments, please note that Toyota Financial Services is an indirect lender that accepts assignment of retail installment contracts from its dealers. As an indirect lender, Toyota Financial Services does not offer refinancing or restructure on existing motor vehicle ************ a result, we are unable to reduce Mrs. ******* monthly payments.
  
  Please know that Toyota Financial Services strives for excellence in customer satisfaction. If there are any additional questions regarding this concern or if she needs assistance on her online profile, please contact us at *************.
  
  Toyota Financial Services is a service **** of Toyota Motor Credit Corporation (TMCC).Retail installment accounts may be owned by ****, or its securitization affiliates and lease accounts may be owned by Toyota Lease Trust (***) or its securitization affiliates. **** is the servicer for accounts owned by ****,***, and their securitization affiliate.
  
  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.