Business Profile

Financing

Southeast Toyota Finance

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financing.

Complaints

This profile includes complaints for Southeast Toyota Finance's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

200 total complaints in the last 3 years.
90 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:04/23/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am the *** for an elderly gentleman who has been put in a home permanently. He has a leased vehicle that I have been trying to return and see what the options are for closing the account. My first contact was February 10, 2025. It is now April 23. They requested a copy of the 17 page *** before they would discuss the account with me. I mailed it but no one can find it. So I faxed it, and they had it but can no longer find it. I finally had the gentleman give verbal consent to discuss the cccount with me. That was done THREE times before someone actually put it in the records. I have called every three days to get information. Each time, I am on the online and transferred and calls have been as long as three hours. AND NO ONE I SPEAK WITH HAS AN ANSWER. So after going through the trouble of giving validating information to six people on one phone call, the last person always says... "someone will have to call you back". This is stressful enough for the gentleman who is now in a home - as well as for me who is trying to take care of everything. No one at this business is willing or able to give information about this account. Meanwhile the car is sitting in a parking lot.
Business Response
Date: 04/30/2025
Re: Better Business Bureau complaint ID number ********
****** ********

Dear ***** ******:
We, World Omni Financial Corp. d/b/a Southeast Toyota Finance (SETF), are writing in response to your complaint filed with the Better Business Bureau (BBB) on April 23, 2025. We appreciate the opportunity to respond to your concerns.
We understand and regret that you are not satisfied with your experience.
Thank you for speaking with us on April *******. To the extent you still have any additional concerns we can address,please contact us at ************** and we will be happy to assist you.
Respectfully,
Customer Experience Resolution Team
Initial Complaint
Date:04/23/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I financed a car with Southeast Toyota Finance which included gap insurance. I paid the loan off in December 2023 and requested a refund of gap. I'm owed about $900. I've called in excess of 7 times and they keep telling me it's processing. They also claim to have mailed checks on 2 separate occasions to 2 different addresses. Seems incredibly unlikely that **** GA and FL both lost 2 checks. I want my money refunded now.
Business Response
Date: 04/23/2025
Better Business Bureau
***** Couch
Serving ******* and *************
PO Box 55268
**********, AL 35255

Re: Case # ********

Better Business Bureau:

We received the referenced complaint case regarding the account for the customer referenced above.

We have completed our research and responded directly to the customer via the U.S Postal mail service on April 23, 2025. Please allow time for that correspondence to be received. For confidentiality reasons, we're unable to provide you with more details.

We strive to provide the best possible service and appreciate the opportunity to respond.

Respectfully,

Customer ***************
Initial Complaint
Date:04/04/2025
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 financed a car last July from Southeast Toyota Financing. I recently traded it in and they owe me about $1600. I have called them twice and they have failed to send my money. It is ridiculous that I had to call them for my money. Otherwise, they would have done nothing. Yet they still have not sent my money. Large corporations only care about receiving money. They dont care how keeping consumers money affects the regular people. I want my money expedited to me.
Business Response
Date: 04/16/2025
Re: Complaint ID number ********
******* West

Better Business Bureau:

We received the referenced complaint case regarding the account for the customer referenced above.

We have completed our research and responded directly to the customer via the ** S. Postal mail service on April 16, 2025. Please allow time for that correspondence to be received. For confidentiality reasons, we're unable to provide you with more details.

We strive to provide the best possible service and appreciate the opportunity to respond.

Respectfully,

Customer Experience Resolution Team
Customer Answer
Date: 04/16/2025

Complaint: 23161333

I am rejecting this response because:
SE Toyota has had ample time to send me the money they owe me. If they truly took complaints seriously, they would acknowledge that their most likely complaint is probably identical to the one I filednot sending money they owe to customers in a timely manner. Instead they choose to delay by sending letters instead of checks. If they have a rating with the BBB, it should be lowered based on their ability to respond appropriately rather than delaying by sending letters.

Sincerely,

******* ****
Business Response
Date: 04/21/2025
Re: Complaint ID # ********
******* ****

Better Business Bureau:

We received the referenced complaint case regarding the account for the customer referenced above.

We have completed our research and responded directly to the customer via the ** S. Postal mail service on April 21, 2025. Please allow time for that correspondence to be received. For confidentiality reasons, we're unable to provide you with more details.

We strive to provide the best possible service and appreciate the opportunity to respond.

Respectfully,

Customer Experience Resolution Team
Customer Answer
Date: 04/21/2025

Complaint: 23161333

I am rejecting this response because:
The business has simply stated they have received my complaint. Nothing else. They have done this twice.
Sincerely,

******* ****
Customer Answer
Date: 04/24/2025
Better Business Bureau:
Yes, I accept.

******* ****
Initial Complaint
Date:03/31/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am filing a formal complaint against Southeast Toyota Finance due to the wrongful repossession of my vehicle earlier this month without any prior notice or proper communication. Their failure to notify me resulted in undue hardship and financial ********* the beginning of the month, I discovered that my vehicle had been repossessed without any notification. I had to contact the ******************************* to determine what had happened to my car, as no information had been provided to me by Southeast Toyota Finance. Following multiple attempts to obtain details regarding my account and vehicle location, I finally received a response confirming that my car had been taken.Prior to the repossession, I had made a payment for the amount owed on my account. Additionally, I had reached out multiple times to request a payment extension due to a death in my family, which led to temporary financial hardship. Despite my repeated communications, these requests remained unanswered. Furthermore, I did not receive any formal notices by mail until two days agolong after I had already retrieved my vehicle from the impound lot at my own expense.When I attempted to make another payment over the phone, I was informed that my online payment access had been disabled, and I was unable to complete my transaction. The lack of communication and failure to properly process my prior payment resulted in an unnecessary repossession, which has caused severe financial consequences. Due to this error, I was forced to divert funds that were meant for my rent toward reclaiming my ********** this situation was caused by Southeast Toyota Finances failure to properly communicate and process my payment, I am requesting the following corrective actions:The removal of the repossession record from my credit report.Financial compensation for the expenses incurred due to their error, including the cost of reclaiming my vehicle.
Business Response
Date: 04/11/2025
Better Business Bureau:

We received the referenced complaint case regarding the account for the customer referenced above.

We have completed our research and responded directly to the customer via the ** S. Postal mail service on April 11, 2025. Please allow time for that correspondence to be received. For confidentiality reasons, we're unable to provide you with more details.

We strive to provide the best possible service and appreciate the opportunity to respond.

Respectfully,

Customer Experience Resolution Team
Customer Answer
Date: 04/11/2025

Complaint: 23136147

I am rejecting this response because:
I am submitting this response regarding the businesss claims about my account being delinquent. I strongly dispute this claim, as my account is currently up to date. I made the required payment for March and have documentation to support this. Despite this, the business continues to charge me late fees and is now attempting to collect nearly $900 in additional charges.

This is not the first issue Ive experienced with this account. In fact, I have already made several payments that I believe were unfairly assessed, particularly in connection with the repossession of my vehicle. I complied with every requirement to resolve that situation, yet I was still subject to excessive fees and unreasonable handling of my account.

At this point, it seems the business is not accurately reviewing the account history or the documentation Ive provided. I am requesting the following:

A full review of my account, including all payments made and charges assessed.
Immediate removal of any inaccurate late fees or charges, especially those related to the March payment.
Reimbursement or adjustment for fees I have already paid that were tied to the unjust repossession.

I am hopeful the BBB can continue to assist in reaching a fair resolution. I am more than willing to provide proof of payments and further documentation to support my position.

Thank you for your time and support in this matter.

Sincerely,

******* Elisa ***************
Business Response
Date: 04/16/2025
Re: Complaint ID # ********

Dear ******* Elisa *********************** World Omni Financial Corp. d/b/a Southeast Toyota Finance (SETF), are writing in response to your rebuttal received on April 11, 2025, to the complaint filed with the Better Business Bureau (BBB).
Our records indicate that the response was mailed to you via the ** S. Postal mail service on April 11, 2025, and we ask that you please allow additional time for the response to be received.

We strive to provide the best possible service and appreciate the opportunity to respond.

Respectfully,

Customer Experience Resolution Team
Customer Answer
Date: 04/17/2025

Complaint: 23136147

I am rejecting this response because;

I am writing in response to Southeast Toyota Finance handling of my account, which resulted in the wrongful repossession of my vehicle.

Despite my repeated attempts to request a payment extension and explain my financial hardship, Southeast Toyota Finance failed to work with me in any capacity. Their claim that they offered assistance is completely false. Furthermore, the letters allegedly notifying me of the repossession were all dated after the vehicle had already been taken; clear evidence that I was not properly informed in advance.

To make matters worse, I later received notices claiming that I owed $800, even though my account was current at the time. These discrepancies raise serious concerns about the accuracy and integrity of Southeast Toyota Finance records and practices.

Due to these wrongful actions, I am formally requesting the following:

A full refund of any fees, charges, or payments related to the repossession.
Immediate correction and removal of any negative marks on my credit report that resulted from this situation.

If these issues are not resolved in a timely and appropriate manner, I will be pursuing legal action. Southeast Toyota Finance handling of this matter has been irresponsible and damaging, and I will not tolerate the continued consequences of their mistakes.

Sincerely
******* E. ***** *****
Business Response
Date: 04/22/2025
Re: Complaint ID number ********
******* Elisa **********************************************

We received the referenced complaint case regarding the account for the customer referenced above.

We have completed our research and responded directly to the customer via the ** S. Postal mail service on April 22, 2025. Please allow time for that correspondence to be received. For confidentiality reasons, we're unable to provide you with more details.

We strive to provide the best possible service and appreciate the opportunity to respond.

Respectfully,

Customer Experience Resolution Team
Initial Complaint
Date:03/31/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am writing to report a fraudulent account that has been opened in my name with SETF/****. I am a victim of identity theft and did not authorize the creation of this account. Below are the details of the fraudulent account:Creditor Name: SETF/WOFC Opened Date: 3/29/2018 Account Number: ***************High Credit: $23,847.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation regarding the fraudulent activity.Thank you for your prompt attention to this matter.
Business Response
Date: 04/08/2025
Re: Complaint ID # ********
****** *****

Better Business Bureau:

We received the referenced complaint case regarding the account for the customer referenced above.

We have completed our research and responded directly to the customer via the ** S. Postal mail service on April 8, 2025. Please allow time for that correspondence to be received. For confidentiality reasons, we're unable to provide you with more details.

We strive to provide the best possible service and appreciate the opportunity to respond.

Respectfully,

Customer Experience Resolution Team
Initial Complaint
Date:03/21/2025
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.
I am 60-year-old women who was taken advantage of. My car was repossessed on March 7th, 2025, I called the company on March 8th 2025 to let them know that my car was repossessed on March 7th at 10:41PM and that there was a breach of peace, and that I wanted to know how much it would cost me to get my car back. I was told that I owed ******** and given code 2156, and told to send this amount via money gram by March 21st 2025. They also asked how this was a breach of peace. I explained to them that there was an intimidating man walking around my place and mine and my friend's car. I asked him what he was doing and he just looked at me and moved on. I was scared, as I didn't know this man and he was on my property. About 20 minutes later a tow truck showed up and drug my car clipping my friend's car. I also let them know that the tow truck came through a locked gate, which they broke. I was told this was being taken note of, and that I still owed ******** via money gram. I called the lender on March 19th 2025 to let them know that i was paying the ******* and was told to hold on. The lender came back with ma'am you owe the whole balance of the car loan by March 21st 2025 or the car will be sold. I told them that that is not correct amount and how do amounts just change like that? She said I am sorry that the first ****** you spoke with told you the wrong information but you are not getting your car back without paying the full amount owed. I asked to speak with a supervisor, and was told I don't need to speak to one. I demanded and was finally transferred to a proclaimed supervisor whom explained that they are not giving me my car back, and that I am making them out to be the bad guy, and that they won't give me any answers that I want to hear and hung up on me. I want answers and my car back for the price I was given on March 8th 2025, and my breach of peace to be looked into and taken care of thank you
Business Response
Date: 03/27/2025
Better Business Bureau
****** *****
Serving ******* and *************
PO Box 55268
********************

Re: Case # ********

Better Business Bureau:

We received the referenced complaint case regarding the account for the customer referenced above.

We have completed our research and responded directly to the customer via the U.S Postal mail service on March 27, 2025. Please allow time for that correspondence to be received. For confidentiality reasons, we're unable to provide you with more details.

We strive to provide the best possible service and appreciate the opportunity to respond.

Respectfully,

Customer ***************
Initial Complaint
Date:03/18/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed ********************* Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Business Response
Date: 03/25/2025
Better Business Bureau
******* ****** Williams
Serving ******* and *************
PO Box 55268
**********, AL 35255

Re: Case # ********

Better Business Bureau:

We received the referenced complaint case regarding the account for the customer referenced above.

We have completed our research and responded directly to the customer via the U.S Postal mail service on March 25, 2025. Please allow time for that correspondence to be received. For confidentiality reasons, we're unable to provide you with more details.

We strive to provide the best possible service and appreciate the opportunity to respond.

Respectfully,

Customer ***************
Initial Complaint
Date:03/10/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with south east toyota finance wofc I do not have a contract with setf/wofc they have not provide me with the original contract as reqested
Business Response
Date: 03/20/2025
Re: Complaint ID # ********
******* *****

Better Business Bureau:

We received the referenced complaint case regarding the account for the customer referenced above.

We have completed our research and responded directly to the customer via the ** S. Postal mail service on March 20, 2025. Please allow time for that correspondence to be received. For confidentiality reasons, we're unable to provide you with more details.

We strive to provide the best possible service and appreciate the opportunity to respond.

Respectfully,

Customer ***************
Initial Complaint
Date:03/07/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am a lawyer representing ***** ******. Southeast Toyota Finance (dba World Omni Financial) is the lienholder for his car. My client has moved to *************, and the state of ************* requires a letter from the lienholder authorizing out of state registration, with a written statement that the request for a paper title has been received and will be sent within a certain period of time. The state of ************************** has contacted Southeast Toyota Finance (World Omni Financial) four times requesting this letter, and my client has contacted them at least six additional times, spending over five hours on the phone, requesting that this letter be sent. He has spoken with four different employees of Southeast Toyota Finance (World Omni Financial), and they have confirmed that they received the request from the state of **************************, but they still refuse to send the correct letter. My client has a car loan with Southeast Toyota Finance (World Omni) and has been paying car payments to them since at least December 2022. They are required by state law to provide this letter, but are refusing to provide it. Without this letter, my client is unable to properly register his vehicle. After contacting Southeast Toyota Finance (World Omni Financial) over 10 times, and spending over five hours on the phone with them, they have consistently ignored requests to send this state required letter. We are simply asking that the company perform their required duty to send the appropriate letter with the required language so that my client can register his vehicle properly.
Business Response
Date: 03/19/2025
Re: Complaint ID # ********
***** ******

Better Business Bureau:

We received the referenced complaint case regarding the account for the customer referenced above.

We have completed our research and responded directly to the customer via the ** S. Postal mail service on March 19, 2025. Please allow time for that correspondence to be received. For confidentiality reasons, we're unable to provide you with more details.

We strive to provide the best possible service and appreciate the opportunity to respond.

Respectfully,

Customer ***************
Initial Complaint
Date:03/05/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Walter ****** Ruoff5252 ******************************************: 09/29/1990 Last 4 of SSN: 2585 Date: March, 2025 Bureau Name: *************** Address: P.O. ************************* Recently, I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681e (b)Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.15 U.S. Code 1681i (5)Treatment of inaccurate or unverifiable information(A)In general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency ******)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.Please remove the following items from my credit report, immediately: Accounts 1. ************************ FIN DBA OF WO, Account#: *********** - This account is being reported inaccurately, please remove this from my credit report immediately
Business Response
Date: 03/17/2025
Re: Complaint ID number ********
****** ****** *****

Better Business Bureau:

We received the referenced complaint case regarding the account for the customer referenced above.

We have completed our research and responded directly to the customer via the U.S Postal mail service on March 17, 2025. Please allow time for that correspondence to be received. For confidentiality reasons, we're unable to provide you with more details.

We strive to provide the best possible service and appreciate the opportunity to respond.

Respectfully,

Customer ***************

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Southeast Toyota Finance is NOT a BBB Accredited Business.