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 Financial Services

  11625 Rainwater Dr STE 200 Alpharetta, GA 30009

• 

  Toyota Financial Services

  155 Pfingsten, Suite #225 P.O. Box 895 Deerfield, IL 60015

• 

  Toyota Financial Services

  P.O. Box 4102 Carol Stream, IL 60197

• 

  Lexus Financial Services

  P.O. BOX 9786 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: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 not liable for this debit with Toyota Financial services. I do not have an account with ******************** collection agency info. They did not provide me with the original contract as required. They are reporting missed payments on a paid/closed account.

  Business Response

  Date: 04/03/2025

  April 3, 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 she entered into a contractual agreement with *** on December 28, 2020,and her account is reflecting accurately based on her payment history and is reflected on the tradelines currently being reported by the Credit ****************** (CRAs).  Ms. ******* has also called into TFS several times on the number provided on the BBB complaint to make reinstatement arrangements on her repossession.
  
  Unfortunately, we are unable to accommodate Ms. ******** request to remove the negative information that was reported, as we are required to report accurate information to the *****
  
  Please know TFS strives for excellence in customer satisfaction, and we 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: 04/03/2025

  I am not disputing that i in contact with Toyota financial services. The issue is that they are reporting incorrect information on my credit report. Toyota received their vehicle back in October of 2024, the contact was closed  between me and Toyota financial in November of 2024. The vehicle was sold to another party in January of 2025. Toyota is reporting on my credit report repossession for November,December, January, February of 2025 of repossession. That information is not correct and needs to updated according to FCRA inaccurate 15usc1681. 

• Initial Complaint

  Date:03/27/2025

  Type:Product 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.

  Lexus Financial received a personal property tax refund from **************** in the amount of $232.32 in January 2025. Lexus Financial has already acknowledged receipt of the funds, but after numerous requests, I have not yet received the refund. Any assistance would be most appreciated. Thank you!

  Business Response

  Date: 04/08/2025

  April 7, 2025
  
  BBB Case: ********
  Contact Name: ******** *******
  Account Number: ***********
  
  The ***************** of Lexus Financial Services (LFS) is in receipt of the complaint filed against Toyota Motor Credit Corporation (TMCC) and LFS regarding ******** ******** request for assistance with the above-mentioned LFS lease account.
  
  We thank our customer for bringing their account concerns to our attention. *** would like to properly address their request, and we appreciate their patience while we have reviewed the account.
  
  Our records reflect LFS paid the state of ********, ****************, on September *******, personal property tax in the amount of $302.66. (Includes decal/registration/license fees) The billing period was for May 1, 2024,through June 30, 2024. (Billed for 2 months). Bill/Prop# ******-2024-1.
  
  Our records also reflect *** paid the state of ********, ****************, on November 26, 2024,personal property tax in the amount of $805.05. The billing period was for July 1, 2024, through December 31, 2024, (Billed for 6 months).  Bill/Prop# ******-2024-2.
  
  Additionally, a refund from **************** in the amount of $232.32 was allocated on January 29, 2025, for the referenced account. It is important to know the abatement (i.e., refund / partial refund) process may take 4 - 6 months to complete;however, this account is open and active; therefore, the funds are in process to be applied to the account as of the date of this response.
  
  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 *********** (***) or its securitization affiliates.**** is the servicer for accounts owned by ****, ***, and their securitization affiliates.

  Customer Answer

  Date: 04/08/2025

  I am rejecting this response because of the fact that I shouldn't have to wait four to six months for the refund to be processed.  I was originally informed by Lexus Financial on 6 February 2025, that the refund would take up to 45 days to process.   It has been over 45 days and still no refund.  Waiting several more months for the refund is unacceptable, unless Lexus Financial agrees to the same terms and conditions as specified in the Motor Vehicle Lease Agreement, Section 16 -  "Charges for Late/Returned Payments"and reimburses me a monthly late payment charge representing 10% of the unpaid balance.

  Customer Answer

  Date: 04/09/2025

  I was just notified today by Lexus Financial that the amount of $232.32 was posted to my account.

   

  Thank you so much for assisting me in getting this matter resolved.

   

  ***** Feldman 

  Business Response

  Date: 04/10/2025

  April 10, 2025
  
  BBB Case: ********
  Contact Name: ******** *******
  Account Number: ***********
  
  The ***************** of Lexus Financial Services (LFS) is in receipt of the follow-up complaint filed against Toyota Motor Credit Corporation (TMCC) and LFS regarding ******** ******** request for assistance with the above-mentioned *** lease account.
  
  It is important to know that TFS files for an abatement with the appropriate taxing jurisdiction. The abatement (i.e., refund / partial refund) process may take 4 - 6 months to complete due to the processing timeframes of the taxing authority.
  
  From our original response from April 7, 2025, Additionally, a refund from ***************** in the amount of $232.32 was allocated on January 29, 2025, for the referenced account. It is important to know the abatement (i.e., refund / partial refund) process may take 4 - 6 months to complete; however, this account is open and active; therefore, the funds are in process to be applied to the account as of the date of this response.
  
  As of the date of this response, we confirmed a refund for personal property tax issued from **************** in the amount of $232.32 has been applied to the account with an effective date of April 4, 2025.
  
  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 *********** (***) or its securitization affiliates.**** is the servicer for accounts owned by ****, ***, and their securitization affiliates.

  Customer Answer

  Date: 04/11/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:03/26/2025

  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.

  Toyota Financial Services (TFS)cannot fix my account after ******* **** of Beavercreek OH paid off my 2022 Tacoma as part of purchasing my new F150. Toyota maintains the **** dealership bounced the check. After repeated calls to Toyota Financial, two of their agents admitted to me that they paid off the wrong account. ********************** refused to give me email addresses to properly resolve the issue. I arranged to get the **** dealership and TFS on the same call. They supposedly resolved it once again that Toyota made the mistake. After two weeks I checked my account and TFS still has the incorrect amount of the account. I contacted **** again who contacted *** again. *** once again admitted they messed up credited the wrong amounts to my account. **** provided me a summary email of the call which I furnished to TFS. I have attempted to handle this via their website, at least 6 phone calls, and three calls from the local ****

  Business Response

  Date: 04/03/2025

  April 03, 2025
  BBB Case# ********
  ****** ******
  Account Number: **********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by ****** ****** regarding his loan balance. We would like to extend our sincerest apologies for any frustration Mr. ****** ****** endured when contacting our ******************** regarding the same matter. 
   
  According to our records on February *******, TFS received a check for $18,678.54 which was inadvertently applied to Mr. ******* TFS account. Additionally, a second check for $19,809.28 was received on the same day from a third-party dealership (******* ***** of Beavercreek) and was also applied to his TFS account.
  
  This caused his account to reflect as closed. As a result, TMCC/TFS released the original title to the third-party dealership. Please note that we assumed all funds received were intended for the account in which it was applied to unless notified otherwise by our customer or the paying party.
  
  After conducting a thorough investigation, we began correcting the duplicate payment error by removing one of the payments, which caused a delay in the adjustment. As of the date of this response, we have expedited processing financial adjustments and Ms. ****** s account reflects as paid in full. 
  
  TMCC strives for excellence in customer satisfaction, we sincerely regret that our goal of excellent customer service was not met in this situation, and we apologize for the delay in processing on closing his TFS retail account. If Mr. ****** should have any further questions regarding the status of his former *** account, he may contact our *********************** directly at **************, Monday through Friday.
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission. Toyota Financial Services is a service **** of Toyota Motor Credit Corporation (TMCC). Retail installment accounts may be owned by ****, or its securitization affiliates and lease accounts may be owned by Toyota Lease Trust (***) or its securitization affiliates. **** is the servicer for accounts owned by ****, ***, and their securitization affiliates.
  
  

  Customer Answer

  Date: 04/06/2025

  I am rejecting this response because:   I want a written letter from the company stating that all my obligations about this loan have been met and I am no longer financially responsible for any remaining balances now or in the future. In other words, I want assurances I am no longer financially responsible in anyway 

  Business Response

  Date: 04/07/2025

  April 07, 2025
  BBB Case# ********
  ****** ******
  Account Number: **********
  
  ********************** (TMCC) and Toyota Financial Services (TFS) are in receipt of the rebuttal filed by ****** ****** regarding his loan balance and account status. We appreciate the opportunity to further address his concerns.
  
  As indicated in our previous response, after conducting a thorough investigation,we began correcting the duplicate payment error by removing one of the payments, which caused a delay in the adjustment. As of the date of this response, we have expedited processing financial adjustments and Mr. ****** s account reflects as paid in full.
  
  Per Mr. ******* request, we have attached the Paid in Full document, and the payment history reflecting a zero balance on the associated TFS retail account for his records.    
  
  TMCC strives for excellence in customer satisfaction, we sincerely regret that our goal of excellent customer service was not met in this situation, and we apologize for the delay in processing on closing his TFS retail account. If ********* should have any further questions regarding the status of his former *** account, he 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 *********** (***) or its securitization affiliates. **** is the servicer for accounts owned by ****,***, and their securitization affiliates.
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission.

• Initial Complaint

  Date:03/25/2025

  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.

  Im writing to file a complaint regarding a 30-day late payment reported by Toyota Financial Services. The payment was returned due to a banking issue, but I was never notified that the payment had failed or that I was considered past due. This is particularly confusing because in the past I have received text messages, emails, and phone calls/voice mails notifying me of my payment status.Ive maintained a perfect payment record outside of this one event, which I corrected immediately once discovered. I contacted *** customer support several times to request a goodwill adjustment, but received no assistance. The first support agent simply suggested that I dispute it if I had an issue, which doesn't seem right?Im now in the process of applying for a mortgage, and this single late **** is causing significant harm to my ability to qualify despite this being a technical and unnotified failure. Im asking that *** review the situation and consider removing the late payment as a gesture of goodwill and in light of the communication ************ loan is coming to an end and I will likely be looking for another vehicle soon - I would love to continue considering TFS/TMCC as a lender! The experience has otherwise been very good.

  Business Response

  Date: 03/31/2025

  March 28, 2025
  BBB Case # ********
  **** G. **********
  Account # **********
  
  This is in response to the complaint filed against Toyota Financial Services (TFS) by **** **********.
  
  First and foremost, TFS would like to thank Mr. ********** for bringing his concerns to our attention.
  
  Mr. *********** complaint stated that he believed that his *** account was being incorrectly reported on his credit profile and after a thorough review of Mr. *********** account, we have concluded that the credit marker reported in November of 2023 is valid.
  
  After a thorough review of Mr. *********** account, our records indicate we made numerous call attempts from October 13th, 2023,to November 25th, 2023, prior to us reporting any derogatory information against his tradeline. We were unsuccessful in our attempts to reach him.
  
  Unfortunately, we are unable to accommodate Mr. *********** request to remove the negative information that was reported, as we are required to report accurate information to the *****
  
  Please know TFS strives for excellence in customer satisfaction, and we appreciate Mr. ********** for bringing this matter to TFSs attention.  ***************** should have any further questions, he may contact our *********************** at **************, Monday through Friday.
  
  We may include Personally Identifiable Information (***)as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission.

  Customer Answer

  Date: 03/31/2025

  I am rejecting this response because:   
  

  I received no calls. I was left no voicemails. The customer service agent I spoke with after the report acknowledged that I had not been notified of the missed payment, but suggested that it was because of an ongoing migration to a new system or because the payment had been unsuccessful rather than missed.

  The response to my complaint is materially false.

  Customer Answer

  Date: 03/31/2025

  Attached are ALL of the communications I received from TFS from the month of October 2023 through December 2023, as well as an example of a notification for a payment failure in February.

  As you can see, the only communications I receive after my completed payment in October were emails regarding the migration to the new system (mentioned in my response). The next emails I received were regarding correcting my payment information and completing a payment.

  This makes evident that there was some sort of system failure that resulted in communications that should have / were expected to be sent, not being sent.

  Customer Answer

  Date: 03/31/2025

  Attached are ALL of the communications I received from TFS from the month of October 2023 through December 2023, as well as an example of a notification for a payment failure in February.

  As you can see, the only communications I receive after my completed payment in October were emails regarding the migration to the new system (mentioned in my response). The next emails I received were regarding correcting my payment information and completing a payment.

  This makes evident that there was some sort of system failure that resulted in communications that should have / were expected to be sent, not being sent.

  Customer Answer

  Date: 03/31/2025

  Attached are screenshots of the migration email affirming that they revamped/migrated their payment system at the same time that this error occurred. 
  

  Therefore, the most likely scenario here is that my old payment method was not properly migrated to the new system (note the line here: Any one-time scheduled payments that you have set up will continue to process and no action is required. When you set up a future payment, you may be asked to add your bank account information again, indicating that a payment migration was attempted) specifically wrt their communication system. I.e. only new payment methods were properly sending communications whereas old payment methods (perhaps only in the case of a payment failure versus missed payment) experienced some sort of failure in communication.

  Customer Answer

  Date: 03/31/2025

  Attached are screenshots of the migration email affirming that they revamped/migrated their payment system at the same time that this error occurred. 
  

  Therefore, the most likely scenario here is that my old payment method was not properly migrated to the new system (note the line here: Any one-time scheduled payments that you have set up will continue to process and no action is required. When you set up a future payment, you may be asked to add your bank account information again, indicating that a payment migration was attempted) specifically wrt their communication system. I.e. only new payment methods were properly sending communications whereas old payment methods (perhaps only in the case of a payment failure versus missed payment) experienced some sort of failure in communication.

  Customer Answer

  Date: 03/31/2025

  Attached are screenshots of the migration email affirming that they revamped/migrated their payment system at the same time that this error occurred. 
  

  Therefore, the most likely scenario here is that my old payment method was not properly migrated to the new system (note the line here: Any one-time scheduled payments that you have set up will continue to process and no action is required. When you set up a future payment, you may be asked to add your bank account information again, indicating that a payment migration was attempted) specifically wrt their communication system. I.e. only new payment methods were properly sending communications whereas old payment methods (perhaps only in the case of a payment failure versus missed payment) experienced some sort of failure in communication.

  Customer Answer

  Date: 03/31/2025

  Speaking of bugs, Im not sure why my message was submitted so many times - also it seems my attachments werent included in the original message. 
  

  here are said attachments of communications received from October-December 2023

  Customer Answer

  Date: 03/31/2025

  Ok, one last attempt at attaching the emails.

  Customer Answer

  Date: 03/31/2025

  And the example of a recent failed payment communication

  Customer Answer

  Date: 03/31/2025

  And an example of emails from ************************************************** place and functioning for notifying customers of failed payments via email prior to 2023.

  Looking at my emails from October/November there is ZERO indication that a payment was missed or failed.

  Customer Answer

  Date: 03/31/2025

  To summarize, I respectfully disagree with the claim that I was notified of the failed payment.
  
  
  I have email history demonstrating that in all other instances both before and after the late payment I received prompt email alerts when a payment failed or was missed. However, during the billing cycle in question, I received no such communication, and therefore had no reason to believe my payment did not process.
  
  
  Ive attached screenshots from my email account showing consistent prior notifications and a complete absence during the month in question.
  
  
  Im not disputing that the payment didnt go through Im highlighting a communication failure that led to a misunderstanding, which I corrected immediately upon discovering it. Given my otherwise perfect payment history and the unique nature of this case, Im again requesting that Toyota Financial Services consider a goodwill removal of the late mark.
  
  
  Thank you again for reviewing this in good faith.

  Business Response

  Date: 04/01/2025

  April 01, 2025
  BBB Case # ********
  **** G. **********
  Account # **********
  
  This is in response to the complaint filed against Toyota Financial Services (TFS) by **** **********.
  Our response to the complaint remains the same.
  
  We have thoroughly researched our records and determined ************* was sent a billing statement on 11/24/2023 informing him of the past due amount of ******. Unfortunately, we are unable to accommodate Mr.Marstellars request to remove the negative information that was reported, as we are required to report accurate information to the *****
  
  If Mr. ********** should have any further questions, he may contact our *********************** at **************, Monday through Friday.
  
  We may include Personally Identifiable Information (***)as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission.

• Initial Complaint

  Date:03/24/2025

  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 payed my car loan monthly in February by phone from my account in *************** my statement and the bank employee proof the payment by a document I sent by fax to Toyota Financial and after 5 days they said they didnt receive in the meantime they sent me a collecting letter trying to damage my credit. They are delaying to solve the problem forcing me to pay February again with late fees or they are asking for the same proofs of payment that I sent them twice. Now I dont know what to do because if I pay twice I will have a problem with my money plus credit damage. Thanks

  Business Response

  Date: 04/04/2025

  April 4, 2025
  
  BBB Case: ********
  Contact Name: ***** *****
  Account Number: **********
  
  The ***************** of Toyota Financial Services (TFS) is in receipt of the complaint filed against Toyota Motor Credit Corporation (TMCC) and TFS regarding ***** Ulloas request for assistance with the above-referenced TFS vehicle account.
  
  We thank our customer for bringing their account concerns to our attention. *** would like to properly address their request, and we appreciate their patience while we have reviewed their account.
  
  Our system of record reflects a payment in the amount of $522.43, effective February 6, 2025, was applied to the incorrect account due to an inadvertent error; however, the funds have been reallocated to the referenced account. The above-mentioned account is current, and the next payment due is May 2, 2025.
  
  Additionally, we understand the importance of maintaining a favorable credit profile; as of the date of this response, there has been no negative credit impact associated with the referenced TFS account.
  
  Please know that Toyota Financial Services strives for excellence in customer satisfaction. If there are any additional questions regarding this concern, please contact us at *************.
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission. Toyota Financial Services is a service **** of Toyota Motor Credit Corporation (TMCC). Retail installment accounts may be owned by **** or its securitization affiliates and lease accounts may be owned by Toyota *********** (***) or its securitization affiliates.**** is the servicer for accounts owned by ****, ***, and their securitization affiliates.

• Initial Complaint

  Date:03/23/2025

  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 writing to formally dispute the unauthorized reinsertion of multiple fraudulent accounts into my ********************** file in violation of the Fair Credit Reporting Act (FCRA) [15 U.S.C. 1681i(a)(5)(B)]. I have been the victim of identity theft, as officially reported to the ************************ (***), with case number *********, dated March 10, 2025.The fraudulent accounts that were unlawfully reinserted include:**** BANK USA Account Number: **************** Fraud began: March 2025 Discovered: June 2021 2.TOYOTA MTR Account Number: ********** Fraud began: March 2025 Discovered: September 2021 3.CB VICSCRT Account Number: **************** Fraud began: March 2025 Discovered: July 2022 These accounts were previously disputed and removed based on evidence of identity theft. Under FCRA 1681i(a)(5)(B), a credit reporting agency (***) may not reinsert such information into a consumers file unless:The informations source has certified its accuracy, and The *** notifies the consumer in writing within 5 business days of reinsertion.I have not received any such notice, and no documentation was provided showing the validity of these reinserted accounts. This is a direct violation of **** and may also implicate violations under:FACTA (Fair and Accurate Credit Transactions Act) [15 U.S.C. 1681c-1], which gives me the right to place a fraud alert.The Identity Theft and Assumption Deterrence Act [18 U.S.C. 1028], which criminalizes the unauthorized use of my personal data.I am demanding the following actions be taken immediately:1.Permanent deletion of all fraudulent accounts listed above from my credit report.2.Written explanation for why the reinsertion occurred and who verified it.3.A free updated credit report reflecting the correction.4.Assurance that these accounts will be blocked from future reinsertion, per **** guidelines.

  Business Response

  Date: 03/26/2025

  March 26, 2025
  BBB Case# ********
  ******* **********
  Account Number: ***********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by Ms. ******* **********, regarding her claims of identity theft on the above referenced account.
  
  According to our records, on September 01, 2021, Ms. ********** signed as a co-lessee on a Closed-End Motor Vehicle Lease Agreement for a 2021 Lexus GX460. By signing the agreement, she agreed to make thirty-five payments of $1,225.27. As a courtesy, we will attach a copy of her signed contract for her records.
  
  As part of our investigation, our **************** conducted a thorough review of the account, and our investigation determined that there is no evidence of fraud. We identified the Social Security Number (***) and date of birth (DOB)from Ms. *********** credit application matches the *** and DOB included with the complaint she submitted. As the attached payment history reflects, we received payments on Ms. *********** Lexus Financial Services (LFS) account while the account was open. During that time, we did not receive any dispute from Ms. ********** regarding the legitimacy of her contractual agreement with ***.
  
  Please be advised that Lexus Financial Services (LFS) makes every attempt to positively respond to all of our customers; however, Federal Law requires us to report all information accurately to the *************************** (CRAs) based on our customers payment history. Because we are unable to validate her claim that the account was the result of Identity theft, we are unable to accommodate her request to remove the account from her ********************** profile.
  
  LFS strives for excellence in customer satisfaction. We understand this may not be the response Ms. ********** was seeking, but we hope for her understanding. If Ms. ********** should have 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:03/21/2025

  Type:Product 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 Feb 10, 2025 contacted Toyota Financial Services regarding my vehicle loan account. During this call, a representative informed me that I was entitled to a refund of $3,000+ and assured me that the payment was being processed. The representative explicitly stated that the refund was due to me and that I could expect to receive it.However, when I followed up on Feb 19, 2025 another representative told me that no such refund existed and that I was not entitled to any payment. This directly contradicts the information given to me previously. Furthermore,Toyota Financial Services assured me that they would investigate and call me back within 48 hours, but I never received any follow-up. On February 24th, I spoke with another representative who admitted that a mistake had been made. Toyota acknowledged that their agent, *******,provided me with false information and stated that he would be trained and coached due to this issue. Despite this admission, they have failed to honor the refund that was initially promised to me. On February 25th, I sent a formal demand letter to Toyota Financial Services, requesting that they honor the refund they initially promised. Despite this written notice, I have yet to receive any response or resolution. Their continued failure to address this matter further demonstrates their disregard for proper consumer practices and their obligation to provide accurate financial information. I relied on their verbal confirmation and assurances that this refund was forthcoming. This situation has caused unnecessary stress and inconvenience. Toyota Financial Services has either negligently or fraudulently misrepresented material information regarding my loan account and ******************** obligations. This conduct is unacceptable and potentially unlawful under Marylands Consumer Protection Act, which prohibits false or misleading statements to consumers.

  Business Response

  Date: 03/26/2025

  March 26, 2025
  
  BBB Case: ********
  Contact Name: **** *****
  Account Number: **********
  
  The ***************** of Toyota Financial Services (TFS) is in receipt of the follow up complaint filed against Toyota Motor Credit Corporation (TMCC) and TFS regarding ************ request for assistance with the above-referenced TFS vehicle account.
  
  Our records reflect you also filed a complaint with the Consumer Financial ****************** (CFPB) on March 18, 2025, regarding the same matter. We have begun our investigation into this matter and will provide our response via the ***** We understand the urgent nature of this duplicate request, and we appreciate their patience while we review the concerns.
  
  Please note that our response will remain the same regardless of the communication channel. 
  
  Please know that Toyota Financial Services strives for excellence in customer satisfaction. If there are any additional questions regarding this concern, please contact us at *************.
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission. Toyota Financial Services is a service **** of Toyota Motor Credit Corporation (TMCC). Retail installment accounts may be owned by **** or its securitization affiliates and lease accounts may be owned by Toyota *********** (***) or its securitization affiliates.**** is the servicer for accounts owned by ****, ***, and their securitization affiliates.

• Initial Complaint

  Date:03/20/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint because my credit report contains unverified accounts that I do not recognize. These accounts have been added under my name without my authorization, and I strongly suspect they may be linked to a data breach or fraudulent activity. This is a blatant violation of my consumer rights under the ****, and I demand immediate action.The following account(s) require verification:Company Name: TOYOTA MTR Account Number: ***************** Reported Balance: $3,648.00 Despite my repeated attempts to obtain verification, I have not received any legitimate proof that these accounts belong to me. This failure to provide transparency is a direct violation of the **** (15 U.S.C. 1681g). I am demanding full documentation proving the validity of these accounts, including original account applications, signed agreements, or transaction records. A generic response stating that the account has been "verified" will not be accepted.If no such documentation exists, these accounts must be removed immediately under FCRA Section 611(a)(5)(A)(i), which mandates the deletion of unverifiable information. Additionally, I am filing a formal complaint with the Better Business Bureau (BBB) against the reporting company for failure to provide proper documentation proving the validity of the reported account. Their refusal to supply supporting records and failure to conduct a legitimate verification process are clear violations of federal law. I expect an immediate investigation and a full response addressing this issue.

  Business Response

  Date: 03/26/2025

  March 26, 2025
  BBB Case# ********
  ****** *****
  Account Number: **********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by Ms. ****** *****
   regarding the information being reported on her credit profile for the above referenced account.
  
  Our records reflect on February 13, 2021, Ms. ***** signed a contract for the purchase of a 2018 Toyota Corolla with seventy-two payments of $348.55 due on the 30th of each month. By signing this contract, she agreed to the terms and conditions which include liability to repay the loan in accordance with the payment schedule, interest rates, optional products, and the length of the term. As a courtesy, we will attach a copy of her signed contract for her records.
  
  Our records confirm on May 05, 2022, we mailed a notice of default and intention to repossess, indicating that the entire unpaid balance of $14,744.32 was due in full. The notice also explained failure to remit payment would exercise our right under the law to repossess the vehicle. Due to non-payment, the vehicle was lawfully repossessed on November 17, 2022.
  
  Since Ms. ***** did not purchase the vehicle, we lawfully sold the vehicle at private auction. As a result, the account has been charged off and reported as such to the *************************** (****). Subsequently, the contracts deficiency balance of $3,648.56 remains due on Ms. ****** account. We have included a copy of the explanation of calculation of deficiency letter that was mailed to her on February 15, 2023.
  
  It is important to understand that we are not a debt collector as defined under the Fair Debt Collection Practices Act (FDCPA), and we have confirmed there have not been any acts of violation committed on her account by ****. We are,however, required by Federal Law to report all information accurately to the *************************** (CRAs) based on our customers payment history. As a result, we are unable to remove the adverse information from her credit report.
  
  While we understand this may not be the response Ms. ***** was seeking, we hope for her understanding. If Ms. ***** should have any further questions, she may contact our ******************************** directly at ************** Monday through Friday for payment arrangements.
  
  Toyota Financial Services is a service **** of Toyota Motor Credit Corporation (TMCC).Retail installment accounts may be owned by ****, or its securitization affiliates and lease accounts may be owned by Toyota Lease Trust (TLT) or its securitization affiliates. **** is the servicer for accounts owned by ****,***, and their securitization affiliates.
  
  We may include Personally Identifiable Information (***) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the *** in our response after submission.

• Initial Complaint

  Date:03/18/2025

  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 leased my Lexus at the end of the year in 2024. I called Lexus Financial Services the week of 2/17/25, I made a payment and scheduled automatic payments. I also updated my address and asked for a change to my due date.I get an email in 2/21/25 that my auto payments were cancelled and my bank account removed. I called back on 3/1/25 and was told autopay was not scheduled and my address was not updated. So I had them make the payment from February that never posted and update my address as well as schedule the auto-pay. Today, 3/18/25 I see that I now have 2 pending auto-payments of $1194.01 for a total of $2388.02. I called Lexus financial and was told I have 2 auto-payments scheduled and again my address was NOT updated. They said they updated my address today, but I was told that the last 2 times.I asked for the 2nd auto payment to be removed and refund me the $1194.01. I was told that they cannot even start the refund process until 10 days after the payment is posted - and I have to call back at that time to cancel it myself even thought this was their s**** up. Meanwhile, since they screwed up and scheduled 2 autopayments, my account is now overdrafted and they said they cant do anything about it. I want my money from 1 of the autopayments refunded immediately.

  Business Response

  Date: 04/02/2025

  April 2, 2025
  
  BBB Case: ********
  Contact Name: ******* *****
  Account Number: ***********
  
  The ***************** of Lexus Financial Services (LFS) is in receipt of the complaint filed against Toyota Motor Credit Corporation (TMCC) and LFS regarding ******* ****** request for assistance related to payments for the above-referenced LFS lease account.
  
  We thank our customer for bringing their account concerns to our attention. *** would like to properly address their request, and we appreciate their patience while we have reviewed the account.
  
  *** records reflect that on February 17, 2025, a recurring payment schedule was initiated to submit a payment on the 15th of every month in the amount of $1,194.01 via Confirmation Number 484A68.  Also on February 17, 2025, ******* ***** spoke to *** to update their address and discuss payments and late charges. The late charge in the amount of $59.70 that was assessed to the account was waived as a courtesy.
  
  On February *******, the *** system cancelled the recurring payment schedule due to being unable to successfully locate the bank account. As of March 1, 2025, a recurring payment was initiated for payment in the amount of $1,194.01 to begin on March 15, 2025, via Confirmation Number A80262. As of March 3, 2025, an additional recurring payment schedule was created via Confirmation Number 4F68BF to begin as of March 15, 2025, also in the same amount of $1,194.01. Then on March 18, 2025, the recurring payment schedule associated with confirmation number A80262, was successfully cancelled.
  
  Additionally, as of March 26, 2025, a payment in the amount of $1,194.01 was also returned. Our customer spoke with a *** Resolution representative on March 28, 2025. During that conversation, the resolution team confirmed that the system address had been updated successfully; only one of the payments scheduled was processed due to the additional payment being returned, and the due date change was requested from the first (1st) to the fifteenth (15th) of every month and is pending to be processed now that the account is current.
  
  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 *********** (***) or its securitization affiliates.**** is the servicer for accounts owned by ****, ***, and their securitization affiliates.

• Initial Complaint

  Date:03/16/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Problems with Toyota Financial not processing my payments in a timely manner. I have tried several different ways to pay my, 2 vehicle ************ still process them late. I always pay early & Toyota takes their time and credits me later. ALSO, they have gotten my payments mixed up. I send payments for my truck and **************************** will process both money orders and put them on my car, showing that I am late paying on the truck. This has happened 3x already and now its showing in delinquent on one vehicle!

  Business Response

  Date: 03/26/2025

  March 26, 2025  
  BBB Case# ********
  **** ***********
  Account Number: **********
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by ********************* regarding billing statements and payments remitted. First and foremost, we would like to extend our sincerest apologies for any frustration ********************* endured when contacting our ******************** regarding this matter.
  
  It is important to know, TFS mails a monthly billing statement to provide a summary of her loan information. The statement includes the account number,current amount due, and payments received. We also include a payment slip to provide our payment address and to identify her account number. If Mrs.*********** chooses to mail her payments, is it essential to include the payment slip and check together in the same envelope for each loan account separately.When a payment is submitted without the proper account number, VIN number, or payment slip, delays in processing may occur.
  
  After conducting a thorough investigation, our records indicate that Mrs. *********** mailed a cashiers check for $1,410.79. However, the payment slip included was for a different account, and the vehicle description was handwritten. As a result, the funds were mistakenly applied to her 2023 Toyota Camry instead of her 2023 Toyota Tundra.
  
  On March 19, 2025, Mrs. *********** contacted the *** **************** and requested that the payment be applied to her Tundra account. As of the date of this response, her Tundra account is current. However, the ***** account now shows past due balance for the March 08, 2025, payment.
  
  We will provide a full payment history for Mrs. *********** to review and to ensure all payments have been properly applied.
  
  We appreciate her loyalty to TMCC/ TFS. We recognize this may not be the resolution Mrs. *********** was seeking, but we hope the explanation provided is helpful. Should she have any additional questions regarding her TFS accounts,please do not hesitate to contact our **************** Center 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.