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I recently purchased a Toyota financed thru Southest Toyota Finance (STF). I am 6 months into paying my car off and I already have had multiple money scamming incidents occur.

Twice now they have said that they did not receive my payment via mail that I sent off three weeks early. I have great credit and I have never nor do I want to pay any bills late. So, I was encouraged to pay via phone or online to make sure my payment was received in the appropriate amount of time. Now, like most people, I usually only have enough money in my account for one such payment to go through a month, hence I needed to cancel my "lost" check to make sure that if it was to be received by STF sometime in the future it could not be cashed (because I might go in the negative).

Using the phone and online services are great and convenient and that is how I do most of my checking/bill paying ...Yet, Southeast Toyota Finance charges $9.95 for using these so-called convenient services (note: this is the only company I do business with that charges for such services; my mortgage company doesn't even do this).

Ok, so I paid my bill via telephone the first time around it was lost and cancelled my check from the bank (so, STF charged me $9.95 and the bank $30). I can deal with that, however two months later the same exact thing happened. I am sceptical about this whole deal with them, because this time around STF charged me an additional 30 bucks for receiving a cancelled check ($39.95 to STF and another $30 to my bank).

I wonder if they hold on to checks and wait until they are about to be late, contact the consumer informing them about the problem, responsible consumer pays the additional fees/ cancels outstanding checks, and STF reaps the financial benefits of phone/ online services and SEFT fees. I definitely think they may be scamming us.

Be careful with them!

Monetary Loss: $100.

Location: Kentwood, Michigan

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Guest

*** setf they call randomly and let it hang up after two rings its freakin annoying, were one payment behind and are planning on paying it friday three days from now we have recived 15 phone calls in a matter of three days. there is a note on our account payment friday but the *** can stop to read it before calling...

Guest

My first car was a 1995 Toyota which was paid off with no problems. I am now 4 years into paying my new car (which I was cheated on), and now that I have lost my job they refused to refinance @ a lower interest rate to allow me to manage my payments.

I love driving a Toyota but shame on them. :cry

Guest

Oh no.... this is happening to me...

I sent my payment in and on 04-22-10... Got my new statement from them for double the amount saying they had not received my payment... World omni called several times with different Caller ID numbers... This man called me from India...

I could not even understand him. I am going to report SETF to the Better business Bureau... first because this is a SCAM... If it were just me then I could understand...

but this is a crooked business trying to make millions on dummies. :zzz :( :cry :sigh :x

Guest

:( YOU ALL ARE A BUNCH OF CROOKS THE SETF AND THE OTHER GROUP THAT ONLY WANT YOU TO SET A BILL PAY SO THAT LATER YOU ONLY HAVE TO FIGHT WITH YOUR BANK EVERY TIME SETF PULLS THE MONEY FROM YOUR ACCOUNT AND THE BANK LETS THEM AND LATER CHARGES YOU OVERDRAW FEES LIKE I SAID A BUNCH OF CROOKS

Guest

i pay on line and no problems

Guest

i dont know why people are on pissed consumer to talk all this glory about setf...that's ***!..makes me think that they work for them or they were set up to do it....setf is the worst company i have ever been unfortunate enough to come in contact with. they are constantly blowing your phone up and harassing you...

Guest

I bought an extended warranty and cancelled it three days later after checking it online. Overwhelming negative comments about failure to honor repairs and rude treatment.

Took me 8 weeks to get my refund!

Don't even think about buying this! Just another way to squeeze extra dollars out of the customer.

Guest

I HAD THE EXACT SAME THING HAPPEN TO ME AND THEY HAD TO SIGN FOR MY PAYMENT FROM THE POST OFFICE AND THEY SAID THEY NEVER RECIEVED IT .THAT COST ME 60 BUCKS BANK AND ELECTRONIC PAYMENTS THIS WAS LAST JUNE 2007 .SEND YOUR PAYMENT SIGNED P.O. THEY ARE *** .

IT HAPPEN TWICE AND THEN I THREATEN TO GO TO THE NEWS AND EVERYBODY I COULD THE PAYMENTS ACTUALLY GOE'S TO OMNI SERVICES THEY COLLECT THE PAYMENTS SO I GOT A RESPONSE FROM OMNI WORLD WIDE .

CUSTOMER . I WILL NEVER BUT A TOYOTA AGAIN .ALONG WITH TOYOTA OF ORLANDO SCAMED ME BAD THEY ARE CROOKS BIG TIME .

Guest

It is clear that a lot of people do not know how to handle their money. You NEVER let a company draft your bank account.

Instead, billpay through your financial institution, lets you set up the payments according to your time schedule and they have verification that the money has been sent. It is safer than sending a personal check.

Guest

Use billpay through your bank. They have records of when the check is sent so the recipient can not say the check was not received.

Guest

hi, some of these story's are unbelibable.

i'm not the sharpest tool in the shed,BUT, good greef these have to be jokes,fake. it is impossible for these things that are claimed to happen, & continue to happen without any response & resoltuion. if it was i having these issue's i would resolve them with in a few phone calls.

i now belive these poster are imposter's.

i have about a dozen people that i personaly know that make payment's, & none have had a single issue.so it makes me wonder if these storys are real or not. if it was me, i would gather my proof, statements,check book. print out from my bank,etc, all the proof i could gather up. and go directly to the corperate office. if that is to far. i would go straight to my toyota dealership & i wouldn't leave until they fixed the issue or issue's.

confused for sure :?

Guest

i wonder if any of you or did any of you ever think of having your payment directly taken out of your account on a certain day, such as the due date. or several days before the payment is due. this way if you check your account the next day ,& it you don't see it withdrawn out of your account, it isn't you. it's simple to do. when the payment is due, it is withdrawn that day, seems simple to me. but when you mail a check, many thing's can happen. such as all the storys i am reading.

i do feel bad, i had this happen with dell, so what i did is,i called them & paid it all off in full. end of story.

plus when i bought my toyota's, i paid them both off in full. no payment's, no worry's. no late changes. did any of you ever go with your proof to southeast toyota. they are on hillsbough blvd, in broward county.it might be worth the trip.

but i do understand your issue's. :(

Guest

If you ever need a warranty refund you better get a two month running start for the refund; eventhough it only takes them two minutes to charge you for it in their computer.

Guest

I have a loan with this company and I never had any problems this time or when I used them before. I pay online every month about 2 weeks early with no extra fees and they they always posted my payment within the most 2 days.

I called to get a payment history and they mailed it to me and had it within a couple days.

Customer service has always been excellent. I just don't understand these complaints.

Guest

DO NOT DO BUSINESS WITH SETF. I made all my payments on time and took great care of the vehicle. After returning the leased vehicle, they charged me an unreasonable amount for "excessive wear and tear" when the inspector said it was all "normal." I disputed the charges with them and got nowhere until they sent my account to World Omni for being delinquent.

Guest

I paid off my truck 7 months ago, this past weekend while shopping for a new truck I found out that I am 180 days late on a balance of $0, yes zero dollars. This has dropped my beacon score by more than 200 points and prevented me from being able to get a new loan.

After 3 days being tossed around from one department to another I get a senior representative that works in Alabama. One phone call and I'm told they will fix everything and they will call me in one hour to give me the details the company agreed to. Well 3 days later and calling them back every hour has led me straight to voice mail every time.

My credit is still ruined and I still can't get anything resolved. I don't hate much, but I hate World Omni and Southeast Toyota.

Guest

We bought a truck a year ago. Have been reported to the credit bureau twice for late payments when the payment had already cleared the bank.

They call you at all hours of the day but dont try to get them on the phone, and if you do they are so rude. I dont know how they can get away with it.

Guest

I know what you mean ...I have paid my loan off and still have no title. they won't even let me on my acount at thier website to send them an e-mail...and wont take my calls...I want my title Toyota!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Guest

They scammed me too!... World Omni and SEFT are acting as 2 different entities on my bank statement and have charged me twice for 2 months that I can tell and who knows how many more.

Now they are saying that they did not charge twice, when my bank statement is as clear as black and white!!!... it's sooo frustraiting, what do I do now?

SCAMMERS, watch out people!

Guest

They sent me a late notice and I just knew I had made a payment. They said none was received and I could pay over the phone.

When I gave her my checking account number she said they were having problems with 13 digit check numbers so she was going to *** the late fee. She put a note in the account and when it went back to the account she said Oh you had an NSF. I said no.

She said well I've already put the note in and hung up. I'm still waiting to see how this turns out.

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