I had this card and did not use it for first 2 weeks. When I finally got to use it, I come to find out that it had been cancelled without any reason. I called and 2 different associates attempted to help. The first associate hung up on me, the second couldn't get off the phone fast enough. She told me to just wait for a letter. I've bought 3 cars in the past 5 years from Toyota, but never again. What disgraceful business. BTW, my credit is pretty decent.

Had a loan for 5 years. It ended back in 2014.

I start shopping for cars about a month ago and notice there is a single negative remark on my credit score from Toyota Financial in 2012 for "$0 Overdue".

I reach out to them and pull old bank statements from the date to show them I paid them on time.

They respond by saying that they believe their records are accurate and would not reverse the negative mark.

Even so, you'd think that with this mark being 5 years old they may have reversed it on good faith even if they found some fault. 

Now I need to submit to the credit companies directly.

I've been with Toyota for a long time, but now it's time to say goodbye.