What is the most common complaint against Toyota Motor Credit Corporation?

The most common issue consumers report about Toyota Motor Credit Corporation is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,044 complaints filed with the CFPB.

Are complaints against Toyota Motor Credit Corporation increasing or decreasing?

Complaints against Toyota Motor Credit Corporation are rising. The company received 378 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Toyota Motor Credit Corporation's reputation grade?

Toyota Motor Credit Corporation has a reputation grade of D (score: 54.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Toyota Motor Credit Corporation respond to consumer complaints?

Toyota Motor Credit Corporation has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 19% of cases.

In how many states does Toyota Motor Credit Corporation operate?

Toyota Motor Credit Corporation has received CFPB complaints from consumers in 45 states, with the most complaints from California (200 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Toyota Motor Credit Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 45 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

362
Took or threatened to take negative or legal action

259
Written notification about debt

165
False statements or representation

120
Communication tactics

61
Cont'd attempts collect debt not owed

34

Data updated September 2026

CFPB complaint disposition

CCDB record toyota-motor-credit-corporation Toyota Motor Credit Corporation

Grade D · 1,044 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #149 · compose #3500

VOL 1,044
GRADE D
12MO 378
STATES 45
TIMELY 100%
DISPUTE 19%
ISSUE Attempts to collect debt n…
RANK #149
COMPOSE #3,500

Volume peers

Nearest volume peer: Upgrade, Inc. (1,046 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Toyota Motor Credit Corporation's 1,044 CFPB complaints sit next to Upgrade, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

California is the plurality state for Toyota Motor Credit Corporation (19.2%)

Volume rank #149 and composite rank #3,500 diverge by 3,351 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 19.2%; Mid-band (15–30%) · 45 states with ≥1 filing
Seasonal peak: 2021-10 10.8%; 8–15% band · 4 filings
Divergent corpus ranks: #149 volume; #3,500 composite; Cleanest-composite ladder is 3,351 places worse than volume

How does Toyota Motor Credit Corporation compare to its peers?

How does TOYOTA MOTOR CREDIT CORPORATION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

TOYOTA MOTOR CREDIT CO… National average

Complaints (last 12 mo)lower is better

378

679

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-05 2023-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	362
Took or threatened to take negative or legal action	259
Written notification about debt	165
False statements or representation	120
Communication tactics	61
Cont'd attempts collect debt not owed	34
Disclosure verification of debt	22
Improper contact or sharing of info	9
Threatened to contact someone or share information improperly	6
Taking/threatening an illegal action	6

Where do complaints against Toyota Motor Credit Corporation come from?

Toyota Motor Credit Corporation's own per-state count, not a national baseline.

California

200
Texas

134
Florida

79
New York

77
Pennsylvania

41
New Jersey

39
Massachusetts

38
Arizona

37

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Toyota Motor Credit Corporation: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 1,044.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Toyota Motor Credit Corporation: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.