Robert S Pmy

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Verified Reviewer
| map-marker Savannah, Georgia

Frustration

Tried three times to extend my current lease. Each time told to call again another time, last person hung up on me. I gave up trying to extend. Next I tried to schedule the end of lease inspection. Went to the online site SETF put in their brochure. That site kicked me back to SETF. Tried to message them, plugged in the authentication code, hit authenticate, nothing happened. Got locked out of the site. Will try again in another week or so, but at this point I'm totally frustrated to the point I've decided to move on from Toyota altogether.
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User's recommendation: Avoid dealing with SETF at all costs. Payments are not a problem, dealing with them will drive you crazy.

1 comment
SETFCustomerExperience

Thank you for your feedback. We take pride in our customer service and strive to ensure our customers' needs are met with courtesy and professionalism. To protect the privacy of all customers, we ask that you please contact us directly at 1-80*-***-**** so that we may further discuss your concerns.

RK Qin

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Verified Reviewer

Turned in my lease, still received a bill

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Southeast Toyota Finance - Turned in my lease, still received a bill
Southeast Toyota Finance - Turned in my lease, still received a bill - Image 2

SETF seems to think I still have the leased vehicle even though I turned it in and followed every step of their process perfectly. They can't even confirm what I owe when I call.

Is it the $366 disposition fee (I paid it), is it a $494 fee (they don't know what that is), is it the $503 monthly fee (I paid all 36 payments)? They won't ground the vehicle and close out my account so now I'm left with late fees hanging over my head. The vehicle was returned in perfect condition and 12,000 miles under the 36k lease.

SETF - Why won't you close the account? I held up my end of the lease contract now you hold up yours!

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Loss:
$127
Pros:
  • Can provide you a car
Cons:
  • No resale bad lease end experience

Preferred solution: Apology

1 comment
SETFCustomerExperience

Thank you for your feedback. We take pride in our customer service and strive to ensure our customers' needs are met with courtesy and professionalism. To protect the privacy of all customers, we ask that you please contact us directly at 1-80*-***-**** so that we may further discuss your concerns.

Christian P Xho

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Verified Reviewer
| map-marker Atlanta, Georgia

Hiring idiots

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We received a bill for 1601 stating it was over due with a late fee. This was paid on Feb 5th and was due the 14th. Well, I called in and spoke to an idiot telling me I have to go out of my way to do his job. I said we have the proof and even went over it. Yet, they are inept and require the customer to do their job. Can they not hire people with some sort of intelligence? Im not asking for much. Even if its a negative IQ its a start. The agent refused to correct their mistake. Good luck dealing with FTC and CFPB on extortion of double billing us and refusing to help.
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Loss:
$1601
Pros:
  • Hired me as an employee to do their job
Cons:
  • No one can do their job

Preferred solution: Having them tell me to do their job. By doing, they are putting me as an employee of their company. I also want health insurance, 401k, 20 vacation days. My pay is 30 an hour. Since I was told to perform their duties entitled me to employee benefits.

User's recommendation: Prepare to deal with a bunch or corrupt people

1 comment
SETFCustomerExperience

Thank you for your feedback. We take pride in our customer service and strive to ensure our customers' needs are met with courtesy and professionalism. To protect the privacy of all customers, we ask that you please contact us directly at 1-80*-***-**** so that we may further discuss your concerns.

Anonymous
map-marker Miami, Florida

Poor customer service

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I might have accidentally cancelled my auto pay. Did not receive any email notification until I was 55 day past due even though I'm signed up for email notification for 3 days past due. They insisted mail was sent but have not received any.
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1 comment
SETFCustomerExperience

Thank you for your feedback. We take pride in our customer service and strive to ensure our customers' needs are met with courtesy and professionalism. To protect the privacy of all customers, we ask that you please contact us directly at 1-80*-***-**** so that we may further discuss your concerns.

Mike J Wfs

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Verified Reviewer
| map-marker Atlanta, Georgia

Terrible Customer Service.

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The absolute worst customer service. All the representatives are terrible and miserable. Every time you call it takes forever to get through the automated questions just to get to a representative. They also make it very hard to make principal payments. You can't just do it over the phone or on the website which is ridiculous. If you can get financing somewhere else I highly recommend it, save yourself the headache!!!
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Preferred solution: Nothing. Helping future customers.

User's recommendation: Go somewhere else.

2 comments
Guest

What's the problem??? You make your payments on time, every time and you never need to contact them!

SETFCustomerExperience

Thank you for your feedback. We take pride in our customer service and strive to ensure our customers' needs are met with courtesy and professionalism. To protect the privacy of all customers, we ask that you please contact us directly at 1-80*-***-**** so that we may further discuss your concerns.

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Aleia Tvg

Do not use!!!

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I purchased from Autonation Toyota in Pinellas Park during the Fall of 2020. Yes, in the height of the COVID-19 pandemic.

My handy dandy bruiser cruiser, Sully, was on his last leg. That's where I found Pearl, my sassy-old 2019 corolla hb. I KNEW I would get murdered on interest, but really had no other options. I never had credit aside from car payments.

The scummy price guy tried hard to press me adding additional stuffs and was visibly frustrated I wouldn't allow it even though "it doesn't change your price... of your monthly payments". But it would have changed my overall payments, psht. NO!

Anyhoo, I pay bi-weekly, half & half. I like many people have gone through tough times, especially during & since COVID. I almost always pay ahead in those circumstances. I am aware that they do not advance the due date even though you've paid 3, 4, or even 5 months ahead.

And they will 100% zing you that late fee. It is semantics. Are you late, technically. Are you really late, no you're ahead.

It really screws everything up to try to be on top of things and be "ahead". Realistically, they aren't losing/missing out on what you owe for that next month, they are just practicing, legalized, predatory tactics. It gives them more $ to zing you that late fee plus other additional penalties. You get more fees when you ask for an extension and use it.

It's very mean csr when you get a hold of them. They will refuse to refund any fees and abide by their semantics that they are not doing anything sketchy. Again, it's all semantics. I am not saying I don't owe.

I understand there's a late fee and due dates don't advance. It's just *** when you ask for a courtesy as a person who pays regularly, half of total monthly payment (+ additional) bi-weekly, and they screw you even more. I'm so over this and them.

I kind of want to start mailing them rolls of pennies as payment. Make them work for what they're taking.

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Pros:
  • Good car
Cons:
  • Predatory
  • Malicious
  • Excessive fees

Preferred solution: Price reduction

User's recommendation: Don't use them for financing

2 comments
SETFCustomerExperience

Thank you for your feedback. We take pride in our customer service and strive to ensure our customers' needs are met with courtesy and professionalism. To protect the privacy of all customers, we ask that you please contact us directly at 1-80*-***-**** so that we may further discuss your concerns.

Guest

No, if you pay extra you are not ahead as far as late fees. So stop that line of thinking. Where you are ahead is every time you pay extra, you apply it directly to principal and shorten your loan duration.

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Anonymous
map-marker Tampa, Florida

3 different payoff amounts

I had 3 different payoff amounts...I called customer service...what a joke. My statement that was mailed said my payment was over $1000..and when I logged in to my account there were two other amounts.

I asked which amount was correct...she refused to to tell me the correct amount because I wasn't the account holder.

I was told to pay whatever the amount showed on my account page...I explained that there were two amounts and she still could not tell me what I should send in to pay off my car.! I do not recommend Southeast Toyota Finance they *** And them son of a b**** better send my title and they better report it to the credit bureau that it's paid off!

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1 comment
SETFCustomerExperience

Thank you for your feedback. We take pride in our customer service and strive to ensure our customers' needs are met with courtesy and professionalism. To protect the privacy of all customers, we ask that you please contact us directly at 1-80*-***-**** so that we may further discuss your concerns.

zachary s Myq

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

No sense of helping

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Been dealing with SETF for two months with regards to tax payments and now a certified copy of my title. Tax issue took 6 weeks to resolve and now the title they keep sending me is never certified. No one gets back to you in a timely manner. No one really knows what theyre doing. They always say notes and emails are being written but the next person doesnt usually know whats going on.
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Preferred solution: Deliver product or service ordered

User's recommendation: Don’t buy a Toyota in the south

1 comment
SETFCustomerExperience

Thank you for your feedback. We take pride in our customer service and strive to ensure our customers' needs are met with courtesy and professionalism. To protect the privacy of all customers, we ask that you please contact us directly at 888-688-**** so that we may further discuss your concerns.

Anonymous
map-marker Margate, Florida

Horrible customer service

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Just ridiculous customer service, absolutely helpless and rude. Stay away from them. I tried to change the bank information for 5 days with their docusign and they didnt process the new information and when I called to ask for help and complain they just hang up.
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User's recommendation: Stay away

1 comment
SETFCustomerExperience

Thank you for your feedback. We take pride in our customer service and strive to ensure our customers' needs are met with courtesy and professionalism. To protect the privacy of all customers, we ask that you please contact us directly at 1-800-686-**** so that we may further discuss your concerns.

Anonymous
map-marker Sierra Vista, Arizona

They scam you and screw your credit up

Southeast Toyota Finance - They scam you and screw your credit up

In 2013 I leased a vehicle. I returned that vehicle in June 2016 and purchased a new vehicle.

They SOUTHEAST TOYOTA sent ME a check within a couple months of returning the leased vehicle. I specifically remember being flabbergasted and calling my dad about it because I thought for sure I would owe money for the 4 inch scratch from a snow shovel or even a dog hair cleaning fee (I was 23). In November 2022, they called me and said I owed them money. I thought it was a scam and immediately hung up.

A week later, they called again and said I owed money. I said I havent had that car in 7 years and yall sent ME money back for it. Now youre telling me I randomly owe money with zero reason how you came to that conclusion?! They said they would give me more details if I provided the number that was on the account.

An account I havent had in 7 years. I legitimately still thought it was a scam and hung up. Here I am in August 2023 deep diving why my credit score looks jacked up and the only explanation on Experian is this delinquent bill from *** SETF! What a load of bs.

So conveniently they wait 7 years to say I owe them money, then report it as a charge off so it now gets stuck on my credit report for another 7 freaking years! Im furious! My credit report shows know data from June 2016 to Nov 2022 then a random delinquent bill and then no data, with all the months between 2013 and 2016 showing never late on a payment. And now that its been over 7 years, I cant even prove that I cashed a check from them.

How does someone have a past due bill from something they turned in 7 years prior with no bills in between??? Tell me thats not all a scam.

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User's recommendation: DO NOT USE THEM FOR ANYTHING

1 comment
SETFCustomerExperience

Thank you for your feedback. We take pride in our customer service and strive to ensure our customers' needs are met with courtesy and professionalism. To protect the privacy of all customers, we ask that you please contact us directly at 1-800-686-**** so that we may further discuss your concerns.

Wyatt W Vld

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Payment kickback

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I financed my first vehicle ever. Made my first payment accidentally twice.

The account did not work for whatever reason, I paid correctly within 24 hours with another account. I am being charged 2 insufficient funds fees for an honest mistake! My money is simply being stolen from me. On top of the payment that I made correctly, they tried to charge my principal and say my payment was over 10 days late, which would've incurred another late fee.

For somebody who is 24 years old, financing their first vehicle, SETF doesn't care about you. They are just a business that is out there to collect your money and take advantage of you for your slightest mistake then offer zero assistance. The people taking calls do their jobs but they act like their backs are against the wall. I could understand if I have made this mistake before but this was my first ever payment!

I made an honest mistake and now I am being charged $60 extra when money is already tight. It is very disappointing, if I could switch financing companies I would. This is the worst customer experience I have ever had in my life. I'd give zero stars if I could.

Just another company out to collect that is all they are. I promise they do not care about you whatsoever.

View full review
Loss:
$60
Cons:
  • Customer service is awful

Preferred solution: I would like my insufficient fund's fees removed since I made an honest mistake on my first payment ever!

User's recommendation: Finance with another company or make sure you make every payment correctly our your money will be falling out of your pockets into SETF's hands.

2 comments
SETFCustomerExperience

Thank you for your feedback. We take pride in our customer service and strive to ensure our customers' needs are met with courtesy and professionalism. To protect the privacy of all customers, we ask that you please contact us directly at 1-800-686-**** so that we may further discuss your concerns.

Guest

You never say for certain that your payment was late, so I can’t comment on the late fee. As far as paying twice with the wrong account and those two fees, the bank is just recovering what they were charged. If I write you a check and don’t have the money to cover it, not only will my bank charge me, your bank will also charge you a fee.

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Nycole Bdu
map-marker West Blocton, Alabama

Checking account status

I'm trying to find out why they haven't showed vehicle paid off on credit report still showing active. Paid off in 2016
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1 comment
SETFCustomerExperience

Thank you for your feedback. We take pride in our customer service and strive to ensure our customers' needs are met with courtesy and professionalism. To protect the privacy of all customers, we ask that you please contact us directly at 1-800-686-3494 so that we may further discuss your concerns.

Piers Pyk

I Need an account number to send payment . I...

I Need an account number to send payment . I don’t have one and payment is due soon. Please assist? Thanks in advance
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2 comments
SETFCustomerExperience

Thank you for your feedback. We take pride in our customer service and strive to ensure our customers' needs are met with courtesy and professionalism. To protect the privacy of all customers, we ask that you please contact us directly at 1-800-686-3494 so that we may further discuss your concerns.

SETFCustomerExperience

Thank you for your feedback. We take pride in our customer service and strive to ensure our customers' needs are met with courtesy and professionalism. To protect the privacy of all customers, we ask that you please contact us directly at 1-800-686-3494 so that we may further discuss your concerns.

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Anonymous
map-marker Aulander, North Carolina

Rrturn vehicle

I dont have any income and cant afford to pay for my truck i have returned it to hall Toyota in Elizabeth city nc Im sorry but until I can get disability this the only thing I can do i dont no how long it will take me to get disability i may not even get it thank you for all youve done
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1 comment
SETFCustomerExperience

Thank you for your feedback. We take pride in our customer service and strive to ensure our customers' needs are met with courtesy and professionalism. To protect the privacy of all customers, we ask that you please contact us directly at 1-800-686-3494 so that we may further discuss your concerns.

Denee Uht

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Rancho Santa Margarita, California

I want to know what is my pay off

My complaint is that I want to speak to someone in customer service I don't want to speak to Automated Machine I would like to speak to a real person
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1 comment
SETFCustomerExperience

Thank you for your feedback. We take pride in our customer service and strive to ensure our customers' needs are met with courtesy and professionalism. To protect the privacy of all customers, we ask that you please contact us directly at 1-800-686-3494 so that we may further discuss your concerns.

George R Kpe

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

I want to take my truck to Puerto Rico..

Your system is full of *** Can you give me a human being give me a call back at 407-240-**** service is BS
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1 comment
SETFCustomerExperience

Thank you for your feedback. We take pride in our customer service and strive to ensure our customers' needs are met with courtesy and professionalism. To protect the privacy of all customers, we ask that you please contact us directly at 1-800-686-3494 so that we may further discuss your concerns.

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