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Lexus Financial review: Lease

R
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9:20 pm EST
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I leased a Lexus via Lexus Financial Services (LFS). I went out-of-state for work. Being unfamiliar with the area I was driving, it was dark and as there were no toll booths I didn't realize I'd gone through a toll. Around nine months after going through the toll, LFS forwarded me an attorney collection letter with a toll bill. The attorney collection letter was from nearly TWO MONTHS earlier - nearly two months LFS took to forward me a collection letter! I called the toll company to find out there are no toll booths, its a private toll company which scans the license plate. As the car was leased, it came back with LFS address. The toll company had been sending the toll bills to LFS for around SEVEN months, the six month was the bill with the attorney collection letter. By the time I received the bill, I'm in some form of collection and there's an additional charge on top of the piddly toll bill. I paid it but was furious with LFS as I shouldn't have been responsible for the collection fee nor did I want such on my credit report. I called LFS and spoke with a female. She told me LFS received the toll bill and forwarded it to me. I told her I never received it and I asked for the date. She couldn't provided one. I found it odd if LFS forwarded the bill(s) to me that LFS can't provide the date for doing so. I called back at a later time and spoke with a male who confirmed LFS never forwarded the toll bill(s). I was told LFS does forward toll bills, they have a process - though I'm unclear on the excuse why month after month LFS failed to forward mine and then took nearly two months to forward an attorney collection letter. I find it completely unacceptable. I told LFS if they have a process it's apparently not working as LFS neglected to forwarded the bill to me for several months which led to me being in some form of collection which I was concerned about my credit, having to pay additional charge and taking my time in an attempt to get it repaired. I had to spend my time getting the collection issue resolved and credited back for the additonal charge - like sending an email to the toll company to verify the Lexus was registered to me and my address, to establish I hadn't been receiving the bills and LFS had been. Fortunately I was able to get the collection resolved and it didn't negatively affect my credit. Which a collection likely would've lowered my credit score, would have been further damaging and likely costs me more money like higher interest rate. I was livid. I will not ever use LFS again. I have since purchased a new vehicle - though not a Lexus, I switched to a luxury competitor.

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