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 Motor Credit Corporation

  4 Gatehall Dr Parsippany, NJ 07054

• 

  Toyota Financial Services

  500 Kehoe Boulevard Wheaton, IL 60187

• 

  Toyota Financial Services

  PO Box 3035 Cedar Rapids, IA 52406

• 

  Toyota Financial Services

  Hwy 38 & 61 Bypass Muscatine, IA 52761

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:07/15/2025

  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'm reaching out regarding an auto loan account on my ********************** report ******XXX. I recently noticed that there are late payments being reported for June, July, and August of 2021, but during that time, my payments were actually deferred due to COVID-related hardship.I was under the impression, and from my understanding of the CARES Act, that during an approved deferment, payments shouldnt be reported as late since the account wasnt actually past due. If thats the case here, these late marks may have been added by mistake, and Id really appreciate it if you could take a look and help get that corrected.Ive always tried to stay in good standing and took all the right steps when I requested the deferment. Id be grateful if this could be reviewed and updated with the credit bureaus, so my report reflects the accurate status.

  Business Response

  Date: 07/17/2025

  July 17, 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 Mr. ******* for bringing their concerns to our attention.
  
  We have researched our records and have determined that the information reflected in our records is correct and we are reporting Mr. ******** account to the ********************** reporting agencies in a manner that is consistent with our records.
  
  Unfortunately, we are unable to accommodate Mr. ******** request to remove the information we reported as we are required to report accurate information to Credit ****************** (CRAs).
  
  Please know TFS strives for excellence in customer satisfaction, and we sincerely appreciate Mr. ******* for bringing this matter to **** attention. If Mr. ******* 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.

• Initial Complaint

  Date:07/15/2025

  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 address a recurring and highly concerning issue regarding derogatory marks appearing on my credit report from Toyota Motor Credit. I was a cosigner on a loan (Account # *********** where the primary borrower became delinquent. Upon noticing these negative marks on my credit report, I contacted Toyota Motor Credit directly.During that conversation, I explicitly asked, "If I pay off the car right now, can I get these delinquent items removed from my credit?" I was unequivocally told "yes." Based on this assurance, I paid off the outstanding loan balance in full. Subsequently, Toyota Motor Credit did remove the derogatory entries from my credit report, consistent with our agreement.However, I have recently discovered that these previously removed delinquent items have reappeared on my credit report. It appears as though an automated system on your end is reinstating them. This is unacceptable, as I fulfilled my end of the agreement to clear the loan with the understanding that Toyota Motor Credit would permanently remove all negative reporting associated with it.This is not the first time I've had to address this. Immediately after paying off the loan, it took three separate phone calls to your customer service department to have these items cleared from my report. Now, they have resurfaced, and when I call in, representatives attempt to attribute the issue to other purchases, despite my credit report clearly identifying Toyota Motor Credit as the source of these specific derogatory marks.I demand that these erroneous and reinstated derogatory items be permanently removed from my credit report immediately. I paid the loan in full based on a clear agreement that doing so would resolve these issues, and I expect Toyota Motor Credit to honor that commitment. I am prepared to take further action if this matter is not resolved promptly and definitively.

  Business Response

  Date: 07/17/2025

  July 17, 2024
  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 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 because he paid the account off.  The account was not paid off until January 22, 2024, at that time the December 9, 2023, payment had not been paid, it was 44 days past due at the time of account closure and payoff.
  
  After a thorough review of Mr. ******* account, we discovered his account is reflected accurately based on his payment history and is reflected on tradelines currently being reported by the Credit ****************** (CRAs). 
  
  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 sincerely 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: 07/17/2025

  I am rejecting this response because:   
  
  To Whom It May Concern,
  
  Thank you for your response dated 7/17/2025. While I appreciate you taking the time to address my complaint, your response unfortunately fails to address the core issue I raised regarding the negative reporting on my credit profile.
  
  Your response states, "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 ****** This statement directly contradicts my experience with TMCC.
  
  As I outlined in my initial complaint:
  

  1. When I brought the loan current and paid off the vehicle in full on January 22, 2024, I explicitly requested the removal of negative items from my credit report, as I was merely the cosigner.
  
  2. **** initially obliged this request, and the negative item was removed from my credit report for over a year.
  
  3. It has only been within the last month or two that this negative item has reappeared on my credit report.
  
  If TMCC is indeed "required to report accurate information" and cannot remove negative items, then the negative **** never should have been removed in the first place over a year ago. The fact that it was removed, and has only recently reappeared, indicates an inconsistency in your reporting practices that your response does not explain.
  
  Furthermore, I reiterate that I was the cosigner on this loan and was not directly notified by Toyota of any delinquency. The moment it came to my attention, I promptly contacted **** and paid off the vehicle in its entirety. This is the only late item ever posted in my credit history.
  
  I find it untenable and unacceptable that TMCC is now stating they cannot remove the item when they previously did so for an extended period. I request a clear explanation for this discrepancy and a resolution that accurately reflects the prior arrangement and my swift action in resolving the loan.
  
  Sincerely,
  
  ******* ******

  Business Response

  Date: 07/17/2025

  July 17, 2024
  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 Mr. ****** for bringing his concerns to our attention once again. Our response remains the same.
  
  Mr. ******* complaint stated that he believed that *** removed late markers and then added them back to his credit profile. Our records indicate that there have never been any late removals on this account in the entirety of the loan by ***. The only delinquency ever to be reported is the final payment rating due to the last payment being made past due. This delinquency has never been removed by *** and has remained and has continuously been reported to the **** since it occurred by ***. Both parties on the loan have a contractual agreement to make the payments in a timely manner.
  
  After an additional and more thorough review of Mr. ******* account, we have determined the account is reflected accurately based on his payment history and is reflected on tradelines currently being reported by the Credit ****************** (CRAs). 
  
  Please know TFS strives for excellence in customer satisfaction, and we sincerely appreciate Mr. ****** for bringing this matter to **** 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.

• Initial Complaint

  Date:07/14/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a 2025 Lexus ES350 from ***** Lexus early June and there was an issue and I returned the car and another one was ordered. There was a contract cancellation done at the time of returning the car. I was assured by the manager at the dealership that the car loan was taken care of but I keep checking my LFS account and it says its not and a payment is still due for that loan on 7/16/25. I called into LFS today 7/14/25 and they confirmed that the loan is still outstanding and active. I contacted the dealership again and was told that the loan should be taken care of and was told payment for it was sent on 6/20. So Im not receiving correct information from someone and Im hoping someone can take an extra minute or two and look into this matter. I can provide the contract cancellation documents if necessary. Can someone please look into this ASAP so we can get this closed. The car we ordered for me is arriving 7/15/25 and I dont want 2 loans outstanding.

• Initial Complaint

  Date:07/13/2025

  Type:Customer Service 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 for Toyota motor company I do not have a contract with the collection agency they did not provide with the original company as I requested

  Business Response

  Date: 07/17/2025

  July 13, 2025
  BBB Case # ********
  ******* ****
  Account # ***********
  
  This is in response to the complaint filed against Toyota Financial Services (TFS) by ******* ****.
  
  First and foremost, TFS would like to thank Ms. **** for bringing her concerns to our attention.
  
  Ms. ***** complaint stated that she demanded to have the account removed from her credit report. Ms. **** entered into a contractual agreement with *** on December 18, 2021, therefore TFS is unable to remove the trade line from her report.
  
  After a thorough review of Ms. ***** account, we discovered her account is reflected accurately based on her payment history and is also reflected on trade lines currently being reported by the Credit ****************** (CRAs). 
  
  Unfortunately, we are unable to accommodate Ms. ***** request to remove the negative information that was reported or remove the trade line, 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 her 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.

• Initial Complaint

  Date:07/08/2025

  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 notify you of a fraudulent account that has been opened in my name with Toyota Motor (TOYOTA MTR). I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent ******************************** Name: Toyota Motor (TOYOTA MTR)Opened Date: 5/1/2021 Account Number: *****************High **********************: $38,703.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter.

  Business Response

  Date: 07/09/2025

  July 09, 2025
  BBB Case # ********
  ******** M ********
  Account # **********
  
  This is in response to the complaint filed against TFS Financial Services (TFS) by ******** ********.
  
  First and foremost, TFS would like to thank ******** ******** for bringing their concerns to our attention. After a thorough investigation of the account, we have determined that *** is reporting ******** Whitakers account to the ********************** ****************** (CRAs) in a manner that is consistent with our records.
  
  ******** ******** states they are a victim of identity theft, and this account does not belong to them, but we have determined that they called into TFS customer service, and we spoke with them several times. On December 04, 2024, ******** ******** called requesting an extension. Also, the vehicle was deemed a total loss by ************** on January ******* with the claimant being ******** ********. Unfortunately,we are unable to accommodate the request to remove the tradeline for their account,as we are required to report accurate information to the *****
  
  If ******** ******** should have any further questions, they may contact our *********************** at **************, Monday through Friday.
  
  We may include Personally Identifiable Information (***) as necessary for 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:06/27/2025

  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.

  TOYOTA MOTOR CREDIT Amount:$7034 Date:9/7/2023 Acct#********** According to 15 *** 1681 have the right to privacy According to 15 USC 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission.Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7) According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information.

  Business Response

  Date: 07/02/2025

  July 02, 2025
  BBB Case # ********
  ****** ********
  Account # ***********
  
  This is in response to the complaint filed against TFS Financial Services (LFS) by ****** ********.
  
  First and foremost, TFS would like to thank Mr. ******** for bringing their concerns to our attention. After a thorough investigation of the account, we have determined that TFS is reporting Mr. ********* account to the ********************** ****************** (CRAs) in a manner that is consistent with our records.
  
  ****** ******** states they are a victim of identity theft, and this account does not belong to them, but we have determined that they called into TFS customer service, and we spoke with them several times. Also, *** was notified of a total loss dated 08/25/2024 by Mr. ******** and their insurance company. Unfortunately, we are unable to accommodate the request to remove the tradeline for their account, as we are required to report accurate information to the *****
  
  If Mr. ******** should have any further questions, they may contact our *********************** at **************, Monday through Friday.
  
  We may include Personally Identifiable Information (***) as necessary for 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:06/24/2025

  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 purchase a Toyota in Dec 2021. My monthly bill has been for $422.05 and I have been paying $432.05 to pay off he loan early. Suddenly *** changed the expected payment to $432.05 and my recurring payments setup to $422.05. And now they are asking ro layered payment fees. I have shared billing statements. The ticket I raised with their Helpdesk team was closed saying that my payment amount should be $432.05 and hence the late fees. ******** did not do any due diligence to see what gather issue was and correct it.Frustrating part is that they just closed the issue without even giving me a chance to share more information and correct the help desk person. I have to raise a new ticket again to correct them and it takes 3 business days for them to respond.

  Business Response

  Date: 07/01/2025

  June 27th, 2025 
  
  BBB Case: ********
  Contact Name:  ******* *****
  
  This is in response to the complaint filed against Toyota Motor Credit Corporation (TMCC)by ******* ***** regarding the monthly payment amount on the above mentioned account.
  
  ******* ***** stated that the payment was originally $422.05 and *** has recently updated the payment to $432.05. According to the original contract signed December 24th, 2021, and multiple billing statements; the regular monthly payment has always been $432.05. There was a one time payment of $10.00 that was made at the beginning of the contract, making the billing statement reflect an amount owed of $422.05, which is different from the regular payment amount that is also listed on the billing statements. The transaction history reflects that he updated his recurring payment amount from $432.05 to $422.05 starting on January 7th, 2025. Resulting in a past due balance over the next few months.
  
  The customer submitted support center cases on June 18th, 2025, and June 23rd, 2025 which resulted in the same response as above. We have included a copy of the contract and billing statement from January 21, 2022, as well as the most recent billing statement from June 20th, 2025.
  
  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 **************.
  
  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 a service for accounts owned by ****, ***,and their securitization affiliate.
  
  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.

• Initial Complaint

  Date:06/23/2025

  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.

  ******* London ***************************************************************************** ************************ ************ 6/23/2025 Subject: Complaint Regarding Lack of Deferment Options from Toyota Financial Despite Medical Hardship Dear Better Business Bureau,I am writing to formally file a complaint against Toyota Financial Services regarding the lack of support and flexibility I experienced while undergoing a serious medical hardship.I contacted Toyota Financial to inform them that I am currently on short-term disability and out of work due to undergoing chemotherapy treatment for breast cancer. Given my medical situation and financial hardship, I requested to be considered for a payment deferment or any type of payment assistance plan to help manage my outstanding car loan balance during this time.Unfortunately, I was told by a representative that I was not eligible for any deferment or payment relief options. This response was extremely disheartening, especially as I was proactive in communicating my situation and seeking a reasonable solution. I expected more compassion and flexibility from a company that serves such a wide range of customers.I believe that in circumstances involving verified medical hardshipparticularly one as serious as cancerthere should be some accommodation available. I am requesting the BBBs assistance in helping me resolve this matter with Toyota Financial in a fair and understanding way.Thank you for your time and support in this matter.Sincerely,******* London

  Business Response

  Date: 07/01/2025

  July 1, 2025
  BBB Case: ********
  Contact Name: ******* London
  This is in response to the complaint filed against Toyota Motor Credit Corporation
  (TMCC) by ******* London regarding their request for extension/deferment due to
  medical hardship.
  To assist our customers, ******************** is offering extensions on qualifying
  accounts. Our records indicate ********************* has received the maximum allowable
  extensions during the months of June, October, and November of 2019. ******** June,
  July, and December of 2020. September and October of 2021, and ******** February, and
  September of 2022. We are unable to offer any further extensions for their account,
  currently.
  Our customer has the option to sell the vehicle to a dealership or an interested third
  party. If the vehicle is purchased from *** at the full payoff amount, they would be
  relieved of the financial burden of this contract without impacting their credit.
  The vehicle may also be traded for another vehicle with a smaller payment, though this
  option does not fully resolve their financial obligation to TFS.
  Lastly, our customer has the option to voluntarily surrender the vehicle in accordance
  with their contract. The vehicle would be sold at auction, and the proceeds applied to the
  payoff. If the sales proceeds are less than the payoff amount, they would remain
  responsible for the deficit balance. This option also results in a repossession reported on
  their credit profile. If they wish to pursue this option, our customer may contact us to
  discuss further to fully understand the ramifications of this option.
  Please know that Toyota Financial Services strives for excellence in customer satisfaction.
  If there are any additional questions regarding this concern, please contact TFS (800)
  ********.
  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 (TLT) or its securitization
  affiliates. **** is the service for accounts owned by ****, ***, and their securitization affiliates.
  

• Initial Complaint

  Date:06/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to report a fraudulent account that has been opened in my name with Toyota Motor Credit. I am a victim of identity theft and did not authorize the creation or use of this account. Please find the details of the fraudulent account ****************************** Name: Toyota Motor Credit Opened Date: 4/11/2020 Account Number: ***************** High **********************: $82,884 I request that this account be closed without delay and that any negative information related to it be removed from my credit report. I also ask that you provide confirmation of the accounts closure and share any documentation available regarding the fraudulent activity.Thank you for your urgent attention to this matter.

  Business Response

  Date: 06/25/2025

  June 25, 2025
  BBB Case # 23500001
  Shannond Fair
  Account # 0066824143
  
  This is in
  response to the complaint filed against LFS Financial Services (LFS) by Shannond
  Fair.
  
  First and
  foremost, LFS would like to thank Shannond Fair for bringing their concerns to
  our attention. After a thorough investigation of the account, we have
  determined that LFS is reporting Shannond Fair’s account to the Credit
  Reporting Agencies (CRAs) in a manner that is consistent with our records.
  
  Shannond Fair states
  they are a victim of identity theft, and this account does not belong to them,
  but we have determined that they called into LFS customer service, and we spoke
  with them several times. On September 23, 2020, Shannond Fair called inquiring about
  the possibility of LFS buying the car back from them. Unfortunately, we are
  unable to accommodate the request to remove the tradeline for their account, as
  we are required to report accurate information to the CRAs.
  
  If Shannond
  Fair should have any further questions, they may contact our Customer Service
  Center at 1-800-874-8822, Monday through Friday.
  
  We may
  include Personally Identifiable Information (PII) as necessary for 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.

• Initial Complaint

  Date:06/20/2025

  Type:Customer Service 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.

  My name is Adannys ********* and I am a victim of identity theft I am requesting that the following fraudulent accounts be blocked and removed from my credit reports with Equifax Experian and TransUnion under the Fair Credit Reporting Act Section 605B. **** OF ** AIDVANTAGE (two student loans) TOYOTA MOTOR CREDIT auto lease, COMENITYCAP ELDORADO Charge Card - *********** Credit Card - REGIONSBANK Credit Card. Including these inquiries: PREMIUM CREDIT BUREA May 30, 2025 - PREMIUM CB May 30, 2025 and ********** Jun 2, 2025. I did not open or authorize any of these accounts and ********************** inquiries.

  Business Response

  Date: 06/25/2025

  June 25, 2025
  BBB Case # 23498053
  Adannys
  Dominquez
  Account # 040772YE890
  
  This is in
  response to the complaint filed against LFS Financial Services (LFS) by Adannys
  Dominquez.
  
  First and
  foremost, LFS would like to thank Ms. Dominquez for bringing their concerns to
  our attention. After a thorough review of Ms. Dominquez’s account, we have
  determined that LFS is reporting Ms. Dominquez’s account to the Credit
  Reporting Agencies (CRAs) in a manner that is consistent with our records.
  
  Ms. Dominquez
  states they are a victim of identity theft, and this account does not belong to
  them, but we have determined that they called in on April 21, 2025, requesting
  and receiving a late fee waiver. Also Ms. Dominquez’s inquiry was reviewed and
  determined to be valid. Unfortunately, we are unable to accommodate Ms. Dominquez’s
  request to remove the tradeline for their account, as we are required to report
  accurate information to the CRAs.
  
  If Ms. Dominquez
  should have any further questions, they may contact our Customer Service Center
  at 1-800-874-8822, Monday through Friday.
  
  We may
  include Personally Identifiable Information (PII) as necessary for 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.