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Toyota Motor Credit Corporation complaints

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6565 Headquarters Drive
Plano, TX 75024 | Get Directions

(800) 874-7050

http://www.toyota.com

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Total Amount in Dispute:
$50,310.00

Total Amount Settled:
$0.00

Complaint Experience

100%

Complaint Resolution Index (CRI)

BCA's Summary and Analysis:

Most complainants allege billing problems or credit related disputes in connection with their automobile finance contract. Some customers complain their payments are not credited to their accounts or are applied to another customer's account in error. Other complainants allege unfair reposessions unethical collection tactics such as daily calls or that the company reports incorrect information to credit reporting agencies. A few customers complain that the company fails to provide pink slips or evidence of clear title when payments are completed. ~~The company responds to most complaints by generally denying most requests for resolution proposed by the complainant. In a few cases credits or adjustments are made. Complaints regarding mis-applied payments are usually addressed by requests for the customer to provide proof of all past payments. Some complainants claim they previously supplied the payment history documentation; however the problem was not resolved.

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Complaint Closing Statistics

13 complaints against Toyota Motor Credit Corporation closed in last 3 years.
Complaints Type of response
0 Making a full refund, as the consumer requested
0 Making a partial refund
7 Agreed to make an adjustment
0 Refusing to make an adjustment
6 Refuse to adjust, relying on terms of agreement
0 Unanswered

13 complaints against Toyota Motor Credit Corporation

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8/28/2025

RESPONSE: Refuse to adjust, relying on terms of agreement Amount in Dispute: $1,344.66 Amount Settled: $0.00

Customer Complaint

8/7/2025

On April 17th 2025 I paid a bill that I was told that I need not pay according to a representative from Toyota. My name was sent to collections as a result. Toyota claimed that they never received my check. On May 30th 2025, I paid a Toyota representative via debit card $1,344.66 in order to get out of collections. I proved to Toyota that I paid bill twice and asked for a refund of $1,344.66. When I call Toyota, I get the run around. I have waited several months for a refund. No one can tell me if or when I will get a refund. I would like assistance in getting a refund. Thank you in advance for your help in this matter! Please note: account number is 0066969933. Resolution Sought Refund my payment of $1,344.66 , and remove any negative information from my credit file.

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Company Response

8/15/2025

August 15, 2025 Contact Name: Mr. Newby Account Number: xxxxxx9933 The Executive Office of Lexus Financial Services (LFS) is in receipt of the complaint filed against Toyota Motor Credit Corporation (TMCC) and LFS regarding a refund request in the amount of $1344.66, due to duplicate payment. After thorough review of the account, LFS has no record of a duplicate payment. LFS has requested documentation as evidence that a duplicate payment was made. However, as of the date of this letter, no documentation has been received. To investigate the payment in question, a copy of the detailed transaction report (also known as a Merchant Report) can be faxed to LFS at 319-221-2262 or 319-221-6979. Alternatively, the report can be mailed to Lexus Financial Services Attn: Missapplied Payment, PO Box 22171, Tempe, AZ 85285. The report must include a trace number for review. Bank statements are not an acceptable form of proof a payment was applied. Once this documentation is received, LFS will research the status of the payment and make any necessary adjustments. Please note, LFS can neither confirm nor deny if a duplicate payment was made to Radius Global Solutions (RGS). LFS received a copy of a check from Mr. Newby, made out to Radius Global Solutions LLC, in the amount of $1344.66, dated April 17, 2025. If a duplicate payment was made to RGS, we recommend contacting RGS directly to resolve. Please know Lexus Financial Services strives for excellence in our customer satisfaction. If there are any additional questions regarding this concern, please contact us at (800) 874-7050. We may include Personally Identifiable Information (PII) as necessary to the complaint as submitted by the customer. We do not control how or whether the BCA safeguards our response or the PII in our response after submission. Lexus Financial Services is a service mark of Toyota Motor Credit Corporation (TMCC). Retail installment accounts may be owned by TMCC or its securitization affiliates and lease accounts may be owned by Toyota Lease Trust (TLT) or its securitization affiliates. TMCC is the servicer for accounts owned by TMCC, TLT, and their securitization affiliates.

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Customer Rebuttal

8/19/2025

I am still waiting on a refund from Toyota. No one seems to know what is going on with my refund.

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Company Final Response

8/27/2025

August 27, 2025 BCA Case: 99038270 Contact Name: Thomas Newby Account Number: xxxxxx9933 The Executive Office of Lexus Financial Services (LFS) is in receipt of the rebuttal filed against Toyota Motor Credit Corporation (TMCC) and LFS regarding a refund request in the amount of $1344.66, due to a duplicate payment. The merchant correspondence we received via fax on August 19, 2025, indicates the payment was made to Alltran. Since the payment was not made to LFS, our position remains the same. We recommend contacting Alltran directly to resolve this matter. Please know Lexus Financial Services strives for excellence in our customer satisfaction. If there are any additional questions regarding this concern, please contact us at (800) 874-7050. We may include Personally Identifiable Information (PII) as necessary to the complaint as submitted by the customer. We do not control how or whether the BCA safeguards our response or the PII in our response after submission. Lexus Financial Services is a service mark of Toyota Motor Credit Corporation (TMCC). Retail installment accounts may be owned by TMCC or its securitization affiliates and lease accounts may be owned by Toy

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3/27/2025

RESPONSE: Agreed to make an adjustment Amount in Dispute: $400.92 Amount Settled: $0.00

Customer Complaint

3/7/2025

I fell behind on my car payments, in order to catch up I made one payment of $1,202.76 in December, a $400.92 payment on feb 14 and a last payment of $1,202.76. That should have brought me current but instead the $400.92 payment is just gone. The money is not in my account, my bank says it went thru on Feb 14 but Toyota financial refuses to look into why their system made this error. I spoke to someone from Toyota who found the missing transaction and started an investigation which they quickly closed without ever contacting me for my evidence like my bank statements. Every time I call I'm met with hostility and made to feel like I'm going crazy, and that I didn't make my payment. I worked so hard to scrape that money together and it's no longer in my possession and Toyota the people responsible for this refuse to investigate further. I have no choice but to scrape together another $400 that I don't have to fix their mistake or this will continue to effect my credit and opportunity to refinance my car. Choosing Toyota camelback and Toyota financial was the worst decision I've ever made. They've done nothing but suck every last dollar they can out of me Resolution Sought For Toyota financial to open a proper full investigation and credit me back the money they stole from me

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Company Response

3/12/2025

March 12, 2025 Contact Name: Ms. Martinez Account Number: xxxxxx5422 This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC) by Mrs. Martinez regarding the payment remitted on the above referenced account. First and foremost, we regret to learn of her hardship, secondly, we would like to extend our sincerest apologies for any frustration Mrs. Martinez endured when contacting our Customer Experience Center to discuss her past due account. Our records reflect on August 4th, 2023, Mrs. Martinez signed a contract for the purchase of a 2015 Toyota Yaris with sixty payments of $400.92 due on the 18th of each month. By signing this contract, Mrs. Martinez agreed to the terms and conditions which include liability to repay the loan in accordance with the payment schedule, interest rates, optional product, and the length of the term. Following a thorough investigation and based on the attached payment history, we confirm that Mrs. Martinez's past-due amount is accurate. On February 20, 2025, Mrs. Martinez scheduled a one-time payment of $1,202.76 via the Toyota Website, from her bank account ending in ******4108. This payment was applied to her past-due balance for December 18, 2024, and January 18th, 2025. We encourage Mrs. Martinez to review the attached document, which includes a detailed breakdown of her transaction history. The most recent payment for the account is as follows: Payments made: • Payment 50: Remitted on February 14, 2025, for $400.92- Applied towards October 18th, 2024. • Payment 51: Remitted on February 18, 2025, for $400.92- Returned unpaid by her bank in February 22, 2025. • Payment 52: Remitted on February 20, 2025, for $1,663.68, -Also returned unpaid on February 22, 2025. • Payment 53: Remitted on February 21, 2025, for $1,202.76-Applied towards her November 2024, December 2024, and January 18th, 2025, payments. . We realize this may not be the response that she desired, but we hope our above reply has resolved this matter amicably. Please know that Toyota Financial Services strives for excellence in customer satisfaction, and we hope the explanation provided is helpful. If Mrs. Martinez has any further questions regarding her account status, she may contact our Customer Experience Center directly at (800) 874-8822, Monday through Friday. We may include Personally Identifiable Information (PII) as necessary to the complaint as submitted by the customer. We do not control how or whether the BBB safeguards our response or the PII in our response after submission. Toyota Financial Services is a service mark of Toyota Motor Credit Corporation (TMCC). Retail installment accounts may be owned by TMCC, or its securitization affiliates and lease accounts may be owned by Toyota Lease Trust (TLT) or its securitization affiliates. TMCC is the servicer for accounts owned by TMCC, TLT, and their securitization affiliate.

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Customer Rebuttal

3/25/2025

By Toyotas own admission, I made a payment on feb 14. That is the payment they are saying got returned to me. It did not got returned, their system is falsely claiming It did and now I'm left paying $400 extra because of Toyotas faulty system. But of course since it's my loss and not Toyotas they don't care to fix the situation. This is just a modern day version of robbery. Every one idly sitting by and allowing consumers to be railroaded at such a sensitive time where every one but large corporations are being impacted, should be ashamed of themselves.

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Company Final Response

3/27/2025

March 27, 2025 BCA Case: 99034934 Contact Name: Jessica Martinez Account Number: xxxxxx5422 Toyota Motor Credit Corporation (TMCC) and Toyota Financial Services (TFS) are in receipt of the rebuttal filed by Mrs. Jessica Martinez regarding the payment remitted on the above referenced account. We regret to learn she was dissatisfied with our previous response; however, based on our review on her account, our position remains the same. As indicated in our previous response and based on the attached payment history, we confirmed that Mrs. Martinez’s past-due amount is accurate. On February 20, 2025, Mrs. Martinez scheduled a one-time payment of $1,202.76 via the Toyota Website, from her bank account ending in ******4108.This payment was applied to her past-due balance for November 2024, December 2024, and January 18th, 2025. The most recent successfully payment for the account is as follows: Payments made: • Payment remitted on February 14, 2025, for $400.92- Applied towards October 18th, 2024. • Payment remitted on February 21, 2025, for $1,202.76-Applied towards her November 2024, December 2024, and January 18th, 2025, payments. . However, we would like to

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