DON'T BUY A TOYOTA THROUGH SOUTHEAST TOYOTA FINANCE. This is the first online review I do on anything, yet use the Internet for many, many things in my life. The reason I am so upset is that my elder family member purchased a Toyota from Lehman Toyota in North Miami, FL and decided to finance it. We want to payoff the car, so I have been online at SETF.COM's website, calling, and emailing and I have yet to get a response from a HUMAN!!! I do it online, but then get a file which I cannot open. Now I have downloaded and opened thousands of files via email, online, etc. Yet This One I can't Open and I can't talk to ANYONE!!! at SETF.com about it because they DON'T CARE-THEY DON'T WANT TO TALK TO THE CUSTOMER. This is the most incredible, worst, confusing, spinning, dead-end business I have ever witnessed!!! I have sent emails asking for help via their website; asking for a human to call me or email me back---NOTHING BACK--NO RESPONSE! Then I call their 800 number and for anything you respond to, they have an APP for that! They switch you to a looooong recorded message of what you need to do, but again, no human intervention! The answer from me is DON'T BUY A TOYOTA!!! STAY AWAY FROM TOYOTA...THERE IS NO CUSTOMER SERVICE ONCE THEY SELL YOU THE CAR!!! We have also been waiting for over two months for a refund of EXCESS insurance that LEHMAN Toyota OVERSOLD -- $3, 500 worth which we cancelled just six days after this purchase and after over two months of waiting for the credit to appear an SETF.COM---NOTHING!!! This is a scam, a racket, and shameful that they have so little regard for the people that buy their cars. The sale does not end at the dealer. The sales experience continues until that owner no longer has that Toyota---it continues when the buyer is still making payments on the car. SETF.com Southeast Toyota Finance apparently does not know that. This must be a separate company because I can't believe that the Toyota I knew would do these things, but I am living it!!! I am so upset with this endless loop on their telephone system and their non-responsive website...THAT I WILLL NEVER BUY A TOYOTA PRODUCT!!!