1 /5 Josh Hampton: Toyota Financial Services just made me regret every one of the 18 Toyotas our family has owned. They took two car payments from my bank account on the same day, which overdrafted my bill-pay account. When I called the same day, the rep assured me it would be sorted in three days. NINE days later, they finally “just cut the check yesterday.” Imagine dragging your feet like that when it’s their mistake?
They were rude, dismissive, and condescending—not sorry, not helpful. It’s absurd that a company demands payments on time, charges insane late fees, yet takes forever to resolve their own errors.
I’m not alone here. Across Trustpilot and the BBB, countless customers say the same: “long wait times,” “unhelpful, rude, unprofessional staff,” and payment processing nightmares. Many are stuck in an endless loop of auto‑attendants and 800‑number purgatory
They’ve mastered the shady art of making formal complaints near-impossible, bouncing you from one useless number to another. It’s corporate BS, literally built to wear you down.
My family’s history with Toyota is long-standing—but clearly, to them, were just expendable trash. Loyalty means nothing when they break you over a simple payment error.
Take your financing elsewhere—because with TFS, your money matters until it doesn’t.