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September 2025 by Deja Santana
reported my payments late for over a whole year - I called over 5times and they denied it for the whole year impacting my finances Once they finally realized their system was messing up they apologized, fixed it and issued me a $200 gift card. FOR MESSING UP MY CREDIT FOR A YEAR!! THEY SUCK. I DONT RECOMMEND
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September 2025 by vanessa
You have to wait and talk to Ai for a long time. Then you get transferred to a person who probably works from home and the background noise its soo loud!. You can hear everyone talking over each other. Terrible experience
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September 2025 by Cory James
Worst customer service ever. They want your money and don't want to help. The phone line is terrible. It is all automated and picks up any noise making it extremely difficult to get to the right place. Getting a refund is almost impossible. It takes about a month to get your money back. Trash service.
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September 2025 by Josh Hampton
Toyota Financial Services just made me regret every one of the 18 Toyotas our family has owned. They took two car payments from my bank account on the same day, which overdrafted my bill-pay account. When I called the same day, the rep assured me it would be sorted in three days. NINE days later, they finally “just cut the check yesterday.” Imagine dragging your feet like that when it’s their mistake?
They were rude, dismissive, and condescending—not sorry, not helpful. It’s absurd that a company demands payments on time, charges insane late fees, yet takes forever to resolve their own errors.
I’m not alone here. Across Trustpilot and the BBB, countless customers say the same: “long wait times,” “unhelpful, rude, unprofessional staff,” and payment processing nightmares. Many are stuck in an endless loop of auto‑attendants and 800‑number purgatory
They’ve mastered the shady art of making formal complaints near-impossible, bouncing you from one useless number to another. It’s corporate BS, literally built to wear you down.
My family’s history with Toyota is long-standing—but clearly, to them, we're just expendable trash. Loyalty means nothing when they break you over a simple payment error.
Take your financing elsewhere—because with TFS, your money matters until it doesn’t.
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August 2025 by Colton D
We had the absolute worst experience with you guys with paying off one of your loans and getting the title. The amount of times the owner, our financial institution, and I got the run around is ridiculous over the phone.
We paid the car off over 2 weeks ago and it took you that long to finally mail out a title that should have been sent out the day after you paid off the loan.
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August 2025 by Russ Roberts
I am writing to formally document a deeply concerning experience with Toyota Financial Services (TFS) and Toyota Motor North America (TMNA) regarding my son, an active-duty member of the United States Air Force.
My son properly filed for a two-month payment deferment with Toyota Financial Services while attending Air Force basic training. All relevant parties within Toyota Financial approved this deferment. Despite this, Toyota continued to issue late payment notices and ultimately forced us to remit payment for the deferred months to prevent late fees and negative credit reporting.
This is not only unethical but appears to constitute a violation of the Servicemembers Civil Relief Act (SCRA), 50 U.S.C. § 3937, which caps interest rates for active-duty servicemembers at 6% and provides specific protections against adverse financial actions during active military service. Toyota Financial Services has repeatedly refused to honor these rights, even after multiple certified mailings of my son’s redacted active-duty orders, clearly establishing his status, dates, and locations.
We have exhausted all reasonable avenues of resolution. Countless hours on the phone, numerous letters, and no responses—not a single return call or acknowledgment. Toyota offers no direct email communication, effectively insulating itself from accountability. The Legal Assistance Office at my son’s base is now actively involved, and I anticipate potential federal legal action if Toyota continues its noncompliance.
This conduct has placed unnecessary financial and emotional strain on a young servicemember already facing the immense challenges of military training. It reflects disregard for federal law, disregard for our military, and a blatant failure in corporate responsibility.
I urge any servicemember or family considering financing with Toyota to reconsider until these issues are addressed. I also strongly encourage federal authorities and consumer protection agencies to investigate these practices for potential class-action litigation.
Toyota Financial Services and Toyota Motor North America should be held accountable.
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August 2025 by Nilesh Golakia
worst experience, eft continued even after car paid off !!!
called them, pick up the phone after 30 min, got answered : any over payment will be issued by check within 60 days or more !!!
never do eft with toyota financial, try other banking options.
would like to choose stars in minus but don't have option, so i choose 1 star, i will give them worst people title, if you miss payment by a day, they will charge you late fee $50+, on top of that, if they can take your money they have right to keep it, by 60+ days, i don't know, if i still need to call them to get my money back.
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August 2025 by jerred olson
I’ve spent hours on the phone with Toyota financial trying to get a letter of authorization to ship my truck to Hawaii and keep getting told I need to have international port to port insurance. I’ve shipped 3 vehicles to Hawaii and never required international insurance. My insurance provider USAA provided proof that my insurance covers the vehicle while being shipped. I’ve had to change my vehicle processing appointment 4 times which is going to cost me money on the back end for rental car fees.
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August 2025 by Helen Cruz
Alexa was so rude!! That’s not the way they treat you at the dealership! Poor customer service
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August 2025 by charlie Sun
Mail too too Slow
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July 2025 by Janet Molina
Every person I talk to tells me something different. I cancelled my GAP insurance and they won’t refund the balance left. Horrible service and communication.
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July 2025 by kv joseph
Wonderful company to work for. Everyone is very friendly and welcoming
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July 2025 by Terry Gearhart
Leased truck in Feb. March 7th received a letter stating they corrected the lease, reducing the payment. Bold letters saying no action requied on my part. Now they say late on payments, collection calls. Calls every month to CS with no resolution. Supervisor promised a resolution, 3 weeks later no call back. Called today, my call goes to the collections department. They transfer to CS. Now that rep says no such letter exist and no notes of issue, despite my have a letter in my hands. Asked for a supervisor again....waiting for a call back. Guess it will be a long long 3 year lease.....
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July 2025 by Raj Prashanth
We have paid off the loan and we had the address on the file right. However they did not provide the complete address while mailing the original title. This had lead to not receiving the documents on time. Its been 4 months now and we did not receive the Title. when called to the customer service we been told to go to DMV and apply for duplicate title. When an error is on their end, why the customer has to go to DMV to get the original title. The service is really bad. Had a very bad experience.
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July 2025 by Gav Abuce
Worst customer service ever.
