Toyota Financial. I have been making my payments on time for the last 6 or so months and they still call with a "payment reminder" when I haven't been late on a payment in over half a year. I'm not sure why they do this, I don't remember signing up for a payment reminder service and I will pay when I am ready to.
Toyota will send your information to collectors. Then you get this: I get calls from over 15 collectors asking for someone else--months and months and months of calls all day long. I sent certified cease and desist letters. I took photographs of the calls, got an attorney, notified the ftc., the calls continue. People need to get fed up enough and call their Congressman or e-mail their Congressman to do something about this, what I call, domestic terrorism. The only thing that stops these calls is disconnecting the phone wire. I have read online where some people who have settled with debt collectors found charges on their bank accounts from unknown sources months later. Don't talk to these collectors, period. If you owe money, talk to the original creditor. Rest assured, I will never buy anything with a Toyota name. The funny part is, I have perfect credit and was looking at a new Toyota to purchase. Being harassed because collectors call anyone with a working telephone line has convinced me to buy USA.