ComplaintsforSoutheast Toyota Finance

• Initial Complaint

  02/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I purchased a 2024 Toyota 4 runner on 12/30/23. I was pressured to agree to an extended warranty on a car with 8 miles on it. I went back at opening the following morning 12/31/23 to cancel. Papers were supposed to have been submitted to credit the $2622.00. I paid the car off in full on 1/23/2024. To date I have not received the $2622.00 reimbursement for the extended warranty. I contacted the ** **** at ******** Toyota and was provided contact info for JM&A (warranty company). I contacted them and was informed they did not receive the cancellation until 1/23/2024, and that they had sent the full refund to SE Toyota finance on 1/29/2024. I then contacted SE Toyota finance to find out where my money is. They informed me they had the total *** in addition to $183.54 tax credit for over payment. I have been in constant contact with dealership and their fince company for nearly 2 months with issues. This whole experience has been a nightmare. I doid not realize ******** toyota has a D- credit score with BBB or I certainly would have taken my business elsewhere. I do not understand the lagalties in keepng someon's money for 54 days and counting.

  Business response

  03/07/2024

  Better Business Bureau
  Serving Central and South *******
  PO Box 55268
  **********, ** 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 7, 2024. 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

  02/20/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  On June 4, 2023, I visited Toyota of *********** where salesman **** informed me that leasing a car allowed a six-month return option. Despite initial hesitation, I purchased the lease. Shortly after, I reached out to **** for a reversal, but he ignored my requests. The dealership directed me to Southeast Toyota Finance (SETF) account #: ****************** , where I was told a $5,000 fee was required for early lease termination, which I cannot afford. Despite seeking options, SETF has refused assistance, leading to increased distress. In January 2024, my car note unexpectedly rose to from $510 to $521.99 without notice, causing further hardship. Battling mental health issues and currently on medications, I believe I was taken advantage of at the dealership. The resulting impact on my mental health has affected my daily life. I'm exploring avenues to reverse or amend the contract, and I wonder if my disability could be considered for leniency in addressing this challenging situation. My desired resolution is to reverse the contract due to my mental health affecting my decision making. I am willing to provide paperwork regarding this disability.

  Business response

  02/27/2024

  Better Business Bureau
  Serving Central and South *******
  PO Box 55268
  **********, ** 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 February 27, 2024. 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

  02/13/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The vehicle was claimed a total loss in October 2023. Per their total loss policy. The credit report is supposed to be suppressed. Late payments have been reported to the credit bureau and the insurance check has not been applied to balance all late payments need to be removed. Vehicle was in bankruptcy prior to total loss. I demand this account be correctly updated to my credit report.

  Business response

  03/07/2024

  Better Business Bureau
  Serving Central and South *******
  PO Box 55268
  **********, ** 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 7, 2024. 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

  02/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  - In October of 2023 I went the Toyota Clermont and bought (leased) a car.- at the dealership i pay all the fees and the first car payment ( November 2023)- December 1st,( 2 days before The due date) I called Southeast Toyota Finance to make the car payment on the amount of $699.91. - the payment was made it over the phone.- January 2nd I made the other paymet - begging of January I got a letter saying that the Decembers payment was due.- I called the customer service line, I explained that I paid and that was something wrong on their end.They mistreated me, were rude and wouldnt listen what i was saying to them.They request proof of the payment.I sent the bank statement, it wanst enough. They asked for more documents. I had to miss work go to the bank requesting a letter from the bank showing the payment.I faxed it over to them -couple times because every time that i called to check if they have received they would say something different. I went to the dealership they told me they viuld not help me because it is 2 Different institutions. But the director of the finance department said that the only thing he could do is was to call toyota finance with me.We did.. we sent over fax again.Last week i got a call from the rude representative that yelled at me over the phone A couple of times saying that they found the payment. That it was deposited in a different account and it was gonna take about 4 days to update the system. This week i called them and guess what? The system is not updated it is show That o havent made the Decembers payment and all the nightmare started again. I asked to speak with the person who was handling my account they dont transfer to her or to any of the managers or supervisors. No body called me back. I need some help . They have a awful customer service and this needs to be fixed

  Business response

  02/14/2024

  Better Business Bureau
  *********************************
  PO Box 55268
  **********, ** 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 February 14, ****. 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 ***************

  Customer response

  02/15/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *****************

• Initial Complaint

  01/30/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Presently, two tow companies were hired to transport my car. A supervisor got involved that was not the original supervisor on the case for my car. Today, I got an answer from South East Toyota Finance where they refuse to help me resolve the answer with who placed a switch on my car during the repossession. Omni the Finance company and South East Toyota seek for me to pay for a car that I cannot get to work. Now a third company A Tow in ******* has my car and I can't get it because I have to show ownership for the car. I can't get the car from this company. They got it because a switch was placed on the car the last six of my car details are ******. The church would like their money back that they paid for me to get my car back. I would like the ****** that I put up to get my car back. I picked up the car and ******* did something to the car to where it will not work at all. The only people that can resolve the car issues and the latest tow placement is Omni and South East Toyota Finance. This situation caused me to have a nervous breakdown. I don't want the car back. I just want to be refunded the money that we spent to get the car out of repossession and for the account to be canceled to a zero because they did something to the car and failed to inform ******* that it was a lien release and not a property release. Omni and South East Toyota are the only ones that messed up the transaction and the responsible parties to fix it. It is only so much that I can do, but I spent Uber money that was asinine when the car cut off. I didnt choose the tow transporters. I have sent multiple secures messages and calls trying to get my car back. Now, I can no longer invest all this energy. I just want it closed out and refunded. Then one of companies put **** extra miles on my car. The last maintenance with Toyota that I did I was given specific instructions and next steps for car prior to the car being repossessed.

  Business response

  02/01/2024

  Better Business Bureau
  *********************************
  PO Box 55268
  **********,** 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 February 1, ****. 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

  01/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  ************************* Toyota, ************, ** was given cashier checks for a 2024 Toyota Camry and a protection warranty. A check in the amount of $31,000.00 was given on September 29, 2023 for the vehicle. On October 10, 2023 a check in the amount of $5,110.95 was given to the dealership for a protection warranty. Therefore, the dealership had obtained all monies due for the complete purchase.In October2023, I began to receiveinvoices from Southeast Toyota Finance, of late payments. In addition, continuousphonecalls started requesting a payment. I took a copy of the invoice from Southeast to ********* and spoke with the financedepartment and a manager while picking up my license plate.I was assured by both parties that there had been an error in receivingthe requests for payments. However, the systematicdemand for payment continued. Therefore, I called Southeast and informedthem that ********* had been paid in full for the vehicle and warranty.Southeast reported to the credit bureau that I had been delinquent for three months in making payments. If I had been delinquent the contact would have been breached leading to a repossessed process.******** Toyota and Southeast gross failurein communication lead to adverse reportingto the credit bureau. The delinquentreport caused a hardship of a score of 805 to drop to 711 impacting any further purchases.

  Business response

  01/26/2024

  Better Business Bureau
  Serving Central and South *******
  PO Box 55268
  **********,** 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 January 26, 2024. 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 ***************

  Customer response

  01/29/2024

   
  Complaint: 21164171
  
  I am rejecting this response because: The vehicle was paid for in cash in September 2023. The protection warranty was paid for the second week in October 2023 because ******** Toyota, ************, ** failed to obtain an account number from ******************** for the payoff. ********* and Southeast failed to directly communicate about the issue which impacted my credit score. The average reporting prevented me from obtaining a  reasonable mortgage loan rate. Therefore, they should be held accountable for the impact of my credit report.
  
  Sincerely,
  
  ****** "*******"

  Business response

  02/02/2024

  Better Business Bureau 
  Serving Central and South *******
  PO Box 55268
  **********, ** 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 February 2, 2024. 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 Care Department
  
  

  Customer response

  02/07/2024

   
  Complaint: 21164171
  
  I am rejecting this response because: The dealership was given a cashier check payoff for the car and protection warranty. They failed to report the payoff immediately to any other involved parties. The failure impacted my credit rating.  
  
  Sincerely,
  
  ****** "*******"

  Business response

  02/14/2024

  Better Business Bureau
  Serving Central and South *******
  PO Box 55268
  **********, ** 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 February 14, 2024. 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 ***************

  Customer response

  02/14/2024

   
  Complaint: 21164171
  
  I am rejecting this response because: Business should have communicated with ********* Toyota, ************, ** when I informed them that the vehicle was paid for in cash but chose to ignore it which caused the adverse credit rating report.  
  
  Sincerely,
  
  ****** "*******"

  Business response

  02/20/2024

  Better Business Bureau
  Serving Central and South *******
  PO Box 55268
  **********, ** 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 February 20, 2024. 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 ***************

  Customer response

  02/20/2024

   
  Complaint: 21164171
  
  I am rejecting this response because: impacted credit rating causing a hardship for purchasing.
  
  Sincerely,
  
  ****** "*******"

  Business response

  03/08/2024

  Better Business Bureau
  Serving Central and South *******
  PO Box 55268
  **********, ** 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 8, 2024. 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

  01/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  *** asked a question on a couple of occasions when I noticed that the final payments on my loan dont equal out to the exact loan amount, and I finally got an answer which still doesnt quite explain everything. I received a letter that stated my principal amount due was $784, when typically its less than that. From what I understand the principal amount is the amount of water borrowed so I am confused as to how it is an additional $180 more. When I send an email over I finally got an answer from customer service and she said that it was due to the type of loan that I had and if I didnt pay my loan on the actual due date, which is still weird because customers are given a grace ****** before their payment is considered to be late. Ive had several occasions where *** had to call multiple times to get a late fee refund it because it was issued to me prior to the 10 day grace ******. I need someone to properly explain to me why my final cardinal payment is so much more than my previous payments. If the payment is more due to me paying my car note after the 21st but before its considered late I need to know if Im also being charged for the times that Toyota made an error and charge me a late fee prematurely. This is my final month and I would very much like to get this taken care of but there was no notice or indication that I will be paying an additional amount to be done with this loan

  Business response

  01/25/2024

  Better Business Bureau  
  ********************************* 
  PO Box 55268 
  **********, ** 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 January 25, 2024.Please allow time for that correspondence to be received. For confidentiality reasons, we are unable to provide you with more details. 
  
  We strive to provide the best possible service and appreciate the opportunity to respond. 
  
  Respectfully, 
  
  Customer Care Department 

• Initial Complaint

  01/03/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  This all started on December 1st. I called and Southeast Toyota to see if they had paid the property tax on my 4 Runner for the year. I was told they had and to call back on the 5th of December to start the refund process. I did call back on the 5th of December and was told that I was getting a refund and it would take 10 business days to process and go to accounting department and call back on the 19th to check on my refund. I actually called back on the 18th and lost the call. I called back on the 19th and was told it had been sent to accounting and they would mail me a check in a few days. I called back on the 21st of December and was told my refund was denied. I called back on the 26th and was told the refund had been denied because it was done wrong. I called back on the 27th. The lady I was talking to started the process again with a new case number. That case number is ********. I talked to a manager on the 27th and told her the issues I was having. I called back yesterday , the 2nd of January and was told it had been approved and would be processed the week of the 15th of this month. Seems to me like they keep putting the refund off . I personally dont think they have trained their employees very well and I and other consumer are suffering the consequences. They want their payments on time or the customer has to pay a late charge. They keep saying they are sorry but I wonder

• Initial Complaint

  01/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with SETF. I do not have a contract with this company. They failed to provide me with the original contract with the wet signing as requested.

  Business response

  01/12/2024

  Better Business Bureau
  *********************************
  PO Box 55268
  **********,** 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 January 12, ****. 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 ***************

  Customer response

  01/16/2024

   
  Complaint: 21082974
  
  I am rejecting this response because: *********** still failed to provide me with the ORIGINAL CONTRACT with my signature in ink,  or the certificate of indebtedness.  Therefore according to the FCRA 
  If they can't provide me with these things they MUST remove the inaccurate information from my credit report immediately. 
  Sincerely,
  
  ***************************

  Business response

  01/22/2024

  Better Business Bureau
  *********************************
  PO Box 55268
  **********, ** 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 January 22, ****. 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 ***************

  Customer response

  01/22/2024

   
  Complaint: 21082974
  
  I am rejecting this response because:
  The reference correspondence isn't validation of this debt and this company continues to violate my consumer rights. This account is inaccurate information and I demand that it be removed immediately. 
  Sincerely,
  
  ***************************

• Initial Complaint

  01/02/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  FCRA violation

  I hope this message finds you well. I am writing to address a matter of significant concern regarding the reporting of late payments by your esteemed company. Upon thorough review of the pertinent legislative code, specifically 15 USC ****, it has come to my attention that there might be an oversight in the reporting practices of late payments, as outlined in the code's exclusions.
  Section ****(a), notably paragraph 3, explicitly excludes certain information from being classified as part of a consumer report. It clearly stipulates that the term "consumer report" does not encompass reports containing information solely related to transactions or experiences, subject to the conditions delineated in this section. This exclusion stands as an integral part of the code, highlighting instances where the reporting of certain information, such as transactions and experiences, is not to be considered part of a consumer report.
  Given this exclusion, it raises a significant query about the propriety of reporting late payments concerning these transactions and experiences. As the code explicitly excludes such information from being part of a consumer report, it prompts a fundamental question: How does the company justify reporting these transactions as late payments when, according to ****(a), transactions and experiences are explicitly excluded from credit reports?
  This discrepancy between the company's reporting practices and the legislative exclusions under 15 USC **** appears to suggest a potential violation. It's imperative to understand how the company's actions align with the rules established by Congress in this regard.
  I kindly request a comprehensive explanation or clarification from your end, outlining how the company's reporting practices comply with the legislative code. Understanding the nuances of these regulations is crucial to ensure compliance and fairness in reporting.
  I appreciate your prompt attention to this matter and eagerly anticipate your response, shedding light on the company's adherence to the stipulations set forth in 15 USC ****.
  Sincerely, *******************
   
  
  

  Business response

  01/09/2024

  Better Business Bureau
  *********************************
  PO Box 55268
  **********,** 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 January 9, ****. 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 Care Department

*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. ↩