Toyota Financial Services

I have a loan with TFS. This past month, I fell short on money and decided to call them to defer my payment to the end of my loan. I've done this once before and thought nothing of it. I spoke to a woman who told me what to do, I cancelled my on-line payments and closed out my account so there would be no mistake. This is what I was told to do. Payment was not pending and I was reassured there would be no issues. Of course, when I checked my bank account two days later, the money had come out leaving my account -$327. Awesome. I called them and so started the process of getting a refund check. Once again, I did everything I was told to do by the experts at TFS. A lot of the people were very helpful and very sorry for the error. I called back when I was told to and was told by another Customer service rep that it was "all good and the check is in the mail. You should get it by Friday" His words exactly. Of course, Friday came and went and I called back on Monday. Give it a day or two, right? Nope, I had to resend in my bank info, two more times. Finally, I'm going to get my money! I can buy food, gas and books for school. I'm not going on a shopping spree here. I have no food and driving on fumes. So, today, I'm expecting a check to be sitting at my door. Nothing. I called again. Apparently, this is the Iowa office and they have to send it to the East Coast office to be processed. I should get it by Monday, a holiday. So, Tuesday. Three weeks later after I was promised my money back last Friday. Now my account is overdrawn and I have the bank applying fees for the overdrafts. For my inconvence, they are sending me a check for $75. I thank Pat for doing that. She didn't have too. It was very nice of her to help me the way she did. Unfortunatly, $75 won't even touch the overdraft fees. Point is, if you have a problem with TFS, you'll never talk to the same person twice, some people are very helpful and really do go out of their way for you but it's the collective group that makes the difference. Because of one incompetent person, my simple to correct situation turned into a huge disaster. I can't wait to refinance with another company. Maybe one who actually keeps their promises. I worked in customer service for 12 years and I never made a promise without backing it up. How silly of me to trust the expert! I've never had a problem with TFS and I'm sad that I did now. I recommend any does the same. When you're as poor as I am and every cent counts, something like this makes life just so much worse. I really can't wait to buy food that isn't Raman! Thanks TFS for making my life crap for the past two weeks (now going into three) Why offer a service if it's so difficult to fix mistakes?

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I've had this happen once, and that was when I provided THEM my bank information. They refused to refund my money, and I went through two weeks in a similar situation. After that, I closed the bank account and opened a new one with a different bank and setup online bill pay with my bank and provided the BANK the TFS information. If something comes up, I cancel the payment with my bank and notify Toyota. TFS ALWAYS wants my bank info to process payments. After that experience, no way no how are they getting my account and routing #'s.