Goodyear Auto Service Center #4230 - Corporate

June 09, "Times New Roman","serif Revdex.com North Church Street, Suite C Greenville, SC 29601- Attn: [redacted] , Director of Dispute Resolution Department Re: Revdex.com Case# [redacted] Dear [redacted] , TD Auto Finance acknowledges receipt of [redacted] ***’s concernsThank you for bringing this matter to our attention In the complaint, Mr [redacted] stated that he is not happy with TD Auto Finance in regards to how his payments are being applied to the accountHe mailed his payment, along with extra funds, and they weren’t applied where they should have beenHe states that he is being charged double, and the representatives he spoke with were rude to him Mr [redacted] entered into a retail installment contract on 01/20/2016, for a Chrysler Mr [redacted] agreed to pay $354.75, beginning 02/20/2016, for monthsA review of the payment history shows that Mr [redacted] has made four payments to date; on 02/22/for $200.00, on 03/01/for $200.00, on 03/16/for $440.00, and on 05/25/for $The total of the payments made is $1,His total payment amount owed is $1,419.00; this is the total of the payments due for 02/20/2016, 03/20/2016, 04/20/2016, and 05/20/The account is currently showing a past due amount of $(not including late fees), which is the difference between what Mr [redacted] has paid, and the total amount dueIf he has made any additional payments that are not showing on his account, please let us know so we can research the matter immediatelyWe have enclosed the payment history for his review On behalf of TD Auto Finance, we sincerely apologize for the difficulties you have experiencedPlease understand that we do not condone nor tolerate that kind of behaviorProviding Legendary Customer Service is our first priorityWe appreciate you taking the time to speak with us, and hope that we have addressed all of your concerns Thank you for allowing us to communicate our position in this matterShould you wish to discuss this matter further, you can contact me directly at ( [redacted] ***, extension *** Sincerely, [redacted] Problem Resolution Services CC: [redacted] Tell us why here

Please see attachedI have been trying to communicate with TD Auto finance but they are telling me the information is accurate and it is notI dont feel that its ok to leave a negative mark on my husbands Equifax if they were willing to remove the same from my report, and this was a joint accountAlso, I was told by a rep in their office that as they have us with partial balance, at this point they will not persue collection and this should be removed

January 06, 0in 0in 0pt;"> [redacted] RevDex.com of Upstate South Carolina North Church St, Suite C Greenville, SC 29601- Re: Revdex.com Case# [redacted] Dear [redacted] , TD Auto Finance acknowledges receipt of your letter regarding Mr [redacted] 's accountThank you for bringing this matter to our attention Ms [redacted] stated that she was involved in an automobile accident on 10/24/16, which totaled her Chevy Her insurance company, [redacted] , issued a check on 10/28/for $19, to TD Auto Finance; however, we continued to debit her account each month for the $The Customer Service agents that she has spoken with were rude and unhelpful, and they claimed that we have no record of any check being received [redacted] reissued a check on 12/12/16, and it was signed for on 12/13/by TD Auto FinanceWhen she called on 12/22/to confirm the receipt of the check, she was advised that we didn't receive it; however, she has delivery confirmation from the payment received on 12/13/She requested a secure way to receive the check from [redacted] , as well as to issue a refund check to her Ms [redacted] signed a retail installment contract on 07/29/16, for a Chevrolet TraxAccording to the contract, she agreed to make monthly payments of $455.80, beginning 08/28/16, for paymentsSection 2a of the contract states "You agree to pay us all you owe under this contract even if the vehicle is damage, destroyed, or missing." Our records indicate that Ms [redacted] enrolled in our automatic payment program as of 08/22/16, and payments after this date automatically processed for her accountWe were notified that the vehicle was a total loss on 10/28/16, and we faxed the Letter of Guarantee to [redacted] on 11/14/During this time, the 11/28/payment was automatically deducted because we did not receive the payment from [redacted] Please be advised that the automatic payment was cancelled as of 12/19/ Additionally, we processed the insurance proceeds of $19,346.80, on 01/04/17; however, we have backdated the payment to 12/13/to coincide with the date that the check was received, which created an overage of $that consisted of the additional funds from Ms [redacted] 's monthly paymentsTD Auto Finance will issue a refund check to Ms [redacted] , and all overages are refunded within days of account closing, which was 01/04/Please note that the GAP insurance was cancelled on the account once the account was paid in fullMs [redacted] can reach out to [redacted] Chevrolet, at ( [redacted] , to confirm the status of her cancellations on her GAP insurance and service contracts for a possible refund On behalf of TD Auto Finance, I sincerely apologize for the inconvenience this may have caused Ms [redacted] Providing Legendary Customer Service is our top priorityShould you wish to discuss this matter further, please contact me directly at [redacted] , extension *** Sincerely, Kate L [redacted] Problem Resolution Services

It has been a true nightmare from [redacted] dealing with TD Auto Finance for two yearsWe have been catching [redacted] every since day oneTheir reps are rude, liars, and have no integrity at allThey are disrespectable and do not note your files according to what has been saidI do not recommend anyone to buy a car with this bankIn fact my civil rights has be violated by this bank and no one did a thingThinking about getting a lawyerThis bank is a big rip off!

TD Auto Finance Roman","serif";">Attn: Customer Resolution [redacted] September 01, [redacted] Revdex.com of Upstate South Carolina North Church St, Suite C Greenville, SC 29601- [redacted] Dear [redacted] TD Auto Finance acknowledges receipt of your letter regarding your accountThank you for bringing this matter to our attention In your letter, you stated that you financed a vehicle with TD in June 2012, but fell behind after relocating to the [redacted] and the passing of a family memberWe allowed you to extend your contract by a month, but we never received the signature form and we repossessed your vehicleOne of our agents confirmed that it was no wrong doing on your behalf, but someone didn’t apply it to your account and there was nothing she could doYou had to pay the past due balance in full, $in repossession fees, and $in storage fees because of a mistake from TDYou stated that on 06/13/you paid the balance, repossession fees, and storage fees, and it took until 08/11/for the document to be imaged to the accountYou are requesting that you are credited for the repossession fee and storage fees as this was not your mistake You signed a retail installment contract on 06/05/12, for a [redacted] According to the contract, you agreed to make monthly payments of $499.72, beginning 07/05/12, for paymentsOur records indicate that the payments were received past the due date and we mailed a Day Past due Collection Letter to you on 09/08/14, 12/09/14, and 03/07/We also mailed a Right to Cure and Intention to Repossess letter to you on 09/11/14, 12/11/14, and 05/13/before the vehicle was repossessed on 07/16/We mailed a Notice After Repossession letter on 07/17/15, and you redeemed the vehicle on 07/27/Your account fell behind again and we mailed Day Past due Collection Letters on 09/09/and 02/08/16, and a Right to Cure and Intention to Repossess letter was mailed on 10/08/15, 02/11/16, and 04/21/You were granted a one month extension on 04/02/16; however, the vehicle was repossessed on 06/12/because the extension was not processed until 08/19/I have included a contact copy, copies of the Day Past due Collection Letters, Right to Cure and Intention to Repossess letters, and Notice After Repossession Letters for your review Since the extension was not processed accurately, we have removed the repossession from your credit report, and credited the repossession and storage fees to your account, totaling $Please note that your next payment is due 10/05/in the amount of $The removal of the repossession was communicated on 08/31/to the three major credit reporting agenciesPlease accept this [redacted] as confirmation that this update was sent to the credit reporting agenciesPlease allow 30-days for the information to be updated on your credit report On behalf of TD Auto Finance, I sincerely apologize for any difficulties you have experienced with our companyShould you wish to discuss this matter further, please contact me directly at [redacted] Sincerely, [redacted] Problem Resolution Services

Signed document
Thanks,
*** ***

June 13,
"Times","serif";">
*** *** *** ** *** *** *** *** *** *** *** ***
Dallas, TX
Attn: *** ***, Director of Dispute Resolution Department
Re: Revdex.com Case# ***
Dear *** ***,
TD Auto Finance acknowledges receipt of Mr*** ***’s concerns, and his dissatisfaction with our previous responseThank you for bringing this matter to our attention
Mr*** stated he was able to recoup most of the money owed to him, with the exception of six dollarsMr*** also stated that if TD Auto Finance can withdraw money from an account within minutes, it should never take a month to reverse the charge
I had the pleasure of speaking to Mr*** on 06/03/2016, and apologized for the negative experienceI also explained that the reason the refund, in the amount of $421.44, was less than the amount automatically debited from his account was because the payoff amount needed to satisfy his loan, on 04/21/2016, was $16,However, we received a payoff in the amount of $17,016.55, leaving an overage of $Mr***’s automatic payment was debited for $427.48, the difference being $Mr*** understood, and advised me that he would contact the dealership for the differenceFor you, and Mr*** convenience, I have included a payment history to show how the funds were received
We sincerely apologize that Mr***’s automatic payment cancellation request was not able to be processed in time to stop his 04/11/paymentSince we do not have the ability to electronically deposit the funds back into a Customer’s account, we mailed a paper check to Mr*** on 05/13/2016, which we confirmed was cashed on 05/20/
On behalf of TD Auto Finance, we sincerely apologize for any inconvenience Mr*** may have experiencedShould you wish to discuss this matter further, please contact me directly at (***, extension ***
Sincerely,
*** ***
Problem Resolution Services
Tell us why here

TD Auto Finance
Roman","serif"">Attn: Customer Resolution
P.OBox ***
*** ***, MI
October
26,
*** ***
RevDex.com of Upstate South Caro***a
North Church St, Suite C
Greenville,
SC 29601-
Re:
Revdex.com Case# ***
Dear
*** ***,
TD Auto Finance acknowledges
receipt of your letter regarding *** ***'s accountThank you for bringing
this matter to our attention
In the letter, Ms*** stated that
she has had an auto loan since 07/2013, and discovered in 08/that the loan
was created using her name but her husband's social security numberShe was directed
to our Fraud department, who sent her SSN verification formsWhen she received
the forms, the date of birth was incorrect and her name was not listed
completelyShe has tried to contact the Fraud department to get corrected
forms, and has left numerous messages, but has not received a call backShe
requested someone in management to call her back with an explanation as to why
this error occurred
A
manager, Tiffany J***, had the pleasure of speaking to Ms*** on 10/19/
She apologized for the inconvenience and informed Ms*** that she would have
corrected forms mailed out to her. Once we
receive the completed forms back, our Fraud department will continue their
investigationOur Fraud department can be contacted directly, at (*** ***, between 8AM and 5PM EST, Monday to FridayThe corrected SSA form was
mailed via UPS to *** ***st St Apt ** ***, NY on
10/19/
Please
understand that TD Auto Finance is an indirect lender that purchases already
executed contracts from authorized dealershipsAll paperwork is completed at
the dealership, and forwarded to TD Auto Finance once the contract has been
purchasedIn review of the application received from the dealership, at the
time of purchase, the account was setup using the incorrect SSN and DOB, as
that was the information providedUnfortunately, we cannot comment on what may
have occurred at the dealership as we were not present and we have no control
over a dealership’s day-to-day operations.
On
behalf of TD Auto Finance, I sincerely apologize for any inconvenience this
matter may have caused Ms***Should you wish to discuss this matter further,
please contact me directly at (***, extension ***
Sincerely,
Kayde
L***
Problem Resolution Services

TD
Auto Finance
face="Times New Roman">Attn:
Customer Resolution
PO
Box ***
*** ***, MI ***
October 13,
*** ***
Revdex.com of Upstate South
Carolina
North Church St, Suite C
Greenville, SC 29601-
Re: Revdex.com Case# ***
Dear *** ***,
TD
Auto Finance acknowledges receipt of your letter regarding *** ***'s account
Thank you for bringing this matter to our attention
Mr
*** stated that he has had payments automatically deducted from his bank
account with TD Auto FinanceHe has had problems in the past regarding this situation,
and a late payment notification was sent to the credit bureauMr*** called
TD Auto Finance and was advised that we have a problem with our system, and we
resolved the issueHe checked his credit history and found that we had sent
four late payment notifications to the credit bureau
We
had the pleasure of speaking with Mr*** on 10/11/During our
conversation, we advised him that we have submitted the request to have the
negative credit marks removed from his credit report, and provided AUD control
number *** as confirmation that this update was sent to the credit
reporting agenciesPlease allow 30-days for the information to be updated
on his credit reportAdditionally, we confirmed that the 10/01/payment
would need to be paid, and Mr*** confirmed that he would call back to
satisfy the paymentPlease understand that a payment will need to post to Mr
***'s account by 10/28/to prevent further negative marks on his creditIf
additional negative marks are assessed, we will be unable to remove the marks
as they would be reporting accuratelyOnce the 10/01/payment is satisfied,
the next payment will be automatically be deducted on his next scheduled due
date of 11/01/
On behalf of TD Auto Finance, I
sincerely apologize for the inconvenience this may have caused Mr***Should
you wish to discuss this matter further, please contact me directly at
(866)***, extension ***
Sincerely,
*** ***
Problem
Resolution Services

TD Auto Finance
0pt;">PO Box ***
*** ***, MI
October 5,
Revdex.com of Greenville, Inc
North Church Street, Suite C
Greenville, SC
Attn: *** ***, Director of Dispute Resolution Department
Re: Revdex.com Case# ***
Dear *** ***,
TD Auto Finance acknowledges receipt of
Ms***' complaint regarding her accountThank you for bringing this matter
to our attention
In Ms***' complaint, she states she made a payment on
09/14/for the August payment dueShe realizes it is her responsibility to
make her payments on time, yet situations ariseShe's had her vehicle since
November 2015, and she is happy with the purchase and TD Auto Finance; however,
she was not happy with her recent Customer Service experienceShe attempted to
make the August payment on time, but she was unable to due to financial
issuesThe payment was received on 09/14/and was days lateWhen she
contacted Customer Service to let us know she was going to be late, and see if
there were any options, she was told there was nothing we can doMs*** is
requesting we remove a day late credit mark as a goodwill gesture
In review of the account, I found that on 11/24/15, Mrs
*** signed a retail installment contract for a Kia OptimaAccording to
the contract, she agreed to make monthly payments of $545.74, beginning
01/08/16, for paymentsA review of the payment history indicates several
payments were received after the due dateI have included a copy of the
contract and payment history for Ms***'s records
We are required to report the account history accurately, as
it has transpired, to the credit reporting agencies and cannot conceal account
activityUnfortunately, we will not be able to accommodate Ms***'s request
to remove the negative reporting
On behalf of TD Auto
Finance, I apologize for any negative experience you had with our companyProviding
Legendary Customer Service is our top priorityShould you wish to discuss this
matter further, please contact me directly at (866)***, extension ***
Sincerely,
*** ***
Problem Resolution Services

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Regards,
[redacted]

July 7, 2016
 
Revdex.com of Upstate South Carolina
[redacted]
408 North Church St, Suite C
Greenville, SC 29601-2164
 
Re: Revdex.com Case# [redacted]
 
Dear [redacted],
 
TD Auto Finance, formerly Chrysler Financial, acknowledges receipt of your letter regarding Mrs. [redacted]’s account. Thank you for bringing this matter to our attention.
 
[redacted] stated that she purchased a 2006 Chrysler in 2006, which was originally financed with Chrysler Financial. Due to the loss of her job, she fell behind on payments in 2009. She returned the vehicle to the dealership in October 2009, and began receiving bills from TD Auto Finance, formerly known as Chrysler Financial. She indicated that the account was closed and reported as a charge off, but still shows inaccuracies in the reporting of the payments. Her husband’s, ([redacted]), Equifax report shows the last payment reported in February 2010; however, they no longer had the vehicle at this time. She has requested to have the errors fixed many times, but her requests have been refused. She is requesting the account be removed from her husband’s credit profile, as it was removed from hers.
 
[redacted] entered into a retail installment sales contract, with Chrysler Financial, on 03/31/06, for a 2006 Chrysler 300 Four, with Co-signer [redacted]. According to the contract, they agreed to make monthly payments of $593.82, beginning 04/30/06, for 72 payments. A review of the payment history indicates that there were numerous payments that were received after the due date.  Due to the delinquencies, Notices of Default and the Right to Cure and Intention to Repossess were mailed to the Customers on the following dates: 11/06/06, 01/04/07, 04/30/07, 11/14/08, and 04/09/09. Due to non-payment, the vehicle was voluntarily surrendered to [redacted], and repossessed by TD Auto Finance on 01/05/10. It was sold at auction on 02/04/10 for $8,800.00.  The prorated service contract refund in the amount of $464.01, as well as the auction proceeds, were applied to the account on 02/05/10. The remaining balance of $10,831.18 was charged off on 02/05/10. A 1099C form, for 36 months with no payment, was mailed to the Customers on 02/26/16. To discuss payment arrangements, the Customers can contact our Deficiency department directly, at (866) [redacted], between the hours of 8AM and 6PM, Monday through Friday.
 
This account is currently being reported to the credit bureaus as status 97, unpaid balance reported as a loss, charge off. The date of first delinquency that resulted in the charge off of the account was 08/30/09. We have investigated your dispute and, considering all the facts, we found that we are accurately reporting the account history to the credit bureaus. We are required to report your account history accurately, as it has transpired, to the credit reporting agencies.  We cannot conceal account activity, and therefore, we cannot accommodate your request. Please understand the credit reporting agencies will determine if, when, and how aging data on the Customer’s credit report is eventually removed or purged. To confirm when the account will cease reporting, the Customer will need to contact the credit reporting agencies, Equifax, Experian, and TransUnion directly. I have included a copy of the contract, Deficiency balance letter, Notices of Default and the Right to Cure and Intention to Repossess letters, One and the Same letter, payment history, and 1099C form for your records.
 
On behalf of TD Auto Finance, I sincerely apologize for any inconvenience this matter may have caused Mrs. [redacted]. Providing Legendary Customer Service is our top priority. Should she wish to discuss this matter further, please contact me directly at (866)[redacted], extension [redacted].
 
 
                                        ...⇄                            Sincerely,
 
 
 
                                        ...⇄ [redacted]
                     Problem Resolution Services

It has been a true nightmare from [redacted] dealing with TD Auto Finance for two years. We have been catching [redacted] every since day one. Their reps are rude, liars, and have no integrity at all. They are disrespectable and do not note your files according to what has been said. I do not recommend anyone to buy a car with this bank. In fact my civil rights has be violated by this bank and no one did a thing. Thinking about getting a lawyer. This bank is a big rip off!

December 30, 2016
line-height: normal;"> 
[redacted]
Revdex.com of Upstate South
Carolina
408 North Church St, Suite C
Greenville, SC 29601-2164
 
Re: Revdex.com Case# [redacted]
               
Dear [redacted]
 
TD Auto Finance acknowledges
receipt of your letter regarding Ms. [redacted]'s account. Thank you for bringing
this matter to our attention.
 
We received notification that Ms.
[redacted] was not fully satisfied with our previous response. In her letter, Ms.
[redacted] stated that she does have her vehicle back, but the process was stressful
for her. She stated that she was advise.d on 11/25/16 that, TD Auto Finance was
open until 6PM EST, although she was advised by another agent on 11/25/16 that
the office would close at 5PM EST. She spoke to a supervisor on 11/28/16, who
stated that her phone call from 10/06/16 was reviewed and she agreed to make a
payment the following Tuesday, 10/11/16. The supervisor advised her that there
was not a valid payment arrangement on the account, as she did not schedule a
payment, but provided the date that she intended to make a payment. She spoke to
another supervisor at TD Auto Finance on 11/29/16, who agreed to waive her
storage fees with the exception of the storage fees that were assessed on 11/25/16.
She stated that when she redeemed her vehicle, it had a flat tire and her engine
and passenger seat belt lights were illuminated. She said that her concerns
were not addressed in the original response she received.
 
We
have researched Ms. [redacted]'s concerns thoroughly, and confirmed that on
11/25/16, TD Auto Finance's Redemptions department closed at 5:30PM EST in
observance of the Thanksgiving holiday. The department's hours of operations
are 8AM to 10PM EST Monday through Friday, with the exception of holidays.
Additionally, TD Auto Finance mailed Ms. [redacted] a Notice of Default and
Intention to Accelerate on 09/27/16. At that time, Ms. [redacted] was due for the
07/12/16, 08/12/16 and 09/12/16 payments for a total of $907.59. To prevent the
repossession, the balance needed to be paid by 10/07/16. When Ms. [redacted] spoke
with a representative on 10/06/16, they processed a payment of $500.00, and  Ms. [redacted] indicated that she would process a
payment to bring her account current the following Tuesday, 10/11/16; however,
no payment was received on her account until 11/30/16.  Because the amount outlined in her Notice of
Default and Intention to Accelerate remained unpaid, her vehicle was
repossessed on 11/25/16. We received a payment in the amount of $1,755.41 on 11/30/16,
which satisfied the past due balance and repossession fees. While we understand
that unforeseen circumstances may surface, contractual obligations need to be
maintained. I have included a copy of the Notice of Default and Intention to
Accelerate and the payment history for your review. Additionally, we have confirmed
that Ms. [redacted] now has access to her account online, and is able to manage her
account through our website.
 
Regarding
Ms. [redacted]'s concerns with her notice of damage to the vehicle; any claims would
need to be made directly to [redacted] America, who can be contacted directly at
([redacted]. The repossession vendor is a 3rd party and is
responsible for any damages incurred during repossession efforts; therefore, we
are unable to assist with vehicle repairs.
 
On
behalf of TD Auto Finance, I sincerely apologize for any inconvenience this
matter may have caused Ms. [redacted]. Should you wish to discuss this matter
further, please contact me directly at ([redacted], extension [redacted].
 
 
                                        ...⇄ />                                         Sincerely,
 
 
 
                                        ...⇄ Kayde
L[redacted]
  Problem Resolution Services

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Regards,
[redacted]

June 09, 2016

"Times New Roman","serif"; font-size: 10pt;"> 
 
Revdex.com
408 North Church Street, Suite C
Greenville, SC 29601-2164
 
Attn: [redacted], Director of Dispute Resolution Department
 
Re: Revdex.com Case# [redacted]
 
Dear [redacted],
 
TD Auto Finance acknowledges receipt of [redacted]’s concerns. Thank you for bringing this matter to our attention.
 
In the complaint, Mr. [redacted] stated that he is not happy with TD Auto Finance in regards to how his payments are being applied to the account. He mailed his payment, along with extra funds, and they weren’t applied where they should have been. He states that he is being charged double, and the representatives he spoke with were rude to him.
 
Mr. [redacted] entered into a retail installment contract on 01/20/2016, for a 2015 Chrysler 200. Mr. [redacted] agreed to pay $354.75, beginning 02/20/2016, for 75 months. A review of the payment history shows that Mr. [redacted] has made four payments to date; on 02/22/2016 for $200.00, on 03/01/2016 for $200.00, on 03/16/2016 for $440.00, and on 05/25/2016 for $300.00. The total of the payments made is $1,140.00. His total payment amount owed is $1,419.00; this is the total of the payments due for 02/20/2016, 03/20/2016, 04/20/2016, and 05/20/2016. The account is currently showing a past due amount of $279.00 (not including late fees), which is the difference between what Mr. [redacted] has paid, and the total amount due. If he has made any additional payments that are not showing on his account, please let us know so we can research the matter immediately. We have enclosed the payment history for his review.
 
On behalf of TD Auto Finance, we sincerely apologize for the difficulties you have experienced. Please understand that we do not condone nor tolerate that kind of behavior. Providing Legendary Customer Service is our first priority. We appreciate you taking the time to speak with us, and hope that we have addressed all of your concerns.
 
Thank you for allowing us to communicate our position in this matter. Should you wish to discuss this matter further, you can contact me directly at ([redacted], extension [redacted].
 
 
Sincerely,
 
 
 
[redacted]
Problem Resolution Services
CC: [redacted]
Tell us why here...

TD Auto Finance
Attn: Customer Resolution
[redacted]
July 1, 2016
Revdex.com of Greenville, Inc.
408 North Church Street, Suite C
Greenville, SC 29601 [redacted]...

[redacted] Department
Re: Revdex.com [redacted]

Dea[redacted]
TD Auto Finance acknowledges receipt of Mr. [redacted] concerns regarding his account. Thank you for bringing this matter to our attention.
Mr. [redacted] stated that he set up automatic payments with TD Auto Finance in November 2013. The paperwork did not make it on time for the 28th of that month, in November. When the payment was received the next month, he was one month behind on his payments. [redacted] was unaware the account was one month behind, until he went to purchase a vehicle in March 2016. He was told that he was past due on his payments beginning November of 2013. After calling TD Auto Finance, and speaking with a supervisor, he was informed that when he signed up for automatic payments, we would no longer send written correspondence for anything, including being late on a payment. This situation has caused [redacted] credit to become tarnished, and even after he thought the issue had been cleared up in March, his late charge back payments were applied incorrectly. The amount paid to clear up the charges was applied to the principal balance, and did not clear up the late fees.
In review of the account, I confirmed that [redacted] signed a retail installment contract on 05/31/2013, for a 2013 [redacted]. According to the contract, he agreed upon monthly payments of $259.46, beginning 06/30/2013, for 60 payments. On 12/02/2013, he enrolled in automatic payments on [redacted], at that time the payment of $259.46 was due on 11/30/2013. When enrolling in automatic payments on our website, it states please allow up to 5 business days to process the request, and will state the date the first automatic payment will be withdrawn. In [redacted] case, the first payment wouldn’t have been automatically withdrawn until 12/30/2013. Since we did not receive the payment for 11/30/2013, his account fell one payment behind. We do not send paper bills once the account has been set up on automatic payments, as the customer’s bank statements serve as proof of payment. We are not required to send written correspondence once the account falls past due; however, as a courtesy, we made multiple attempts to contact [redacted] starting in December 2013. [redacted] contacted us on 03/18/2016, and made a payment in the amount of $593.00, this payment was to cover the missing payment plus late fees to bring his account current.
I had the pleasure of speaking with [redacted] on 06/24/2016, and apologized for the negative experience. I let him know that the payment he made on 03/18/2016 was not applied correctly so that the 03/30/2016 automatic payment would pull; causing the account to fall one month behind. [redacted] made another payment on 06/20/2016, to bring the account current, and pay late fees in the amount of $112.75. On behalf of TD Auto Finance, we sincerely apologize for the difficulties you have experienced. Please be advised that an update was sent to the credit reporting agencies on 06/28/2016, to have the negative information from the April and May payments removed from [redacted] credit report. Please accept this AUD control numbe[redacted] as confirmation that this was sent to the credit reporting agencies. [redacted] will need to allow 30 – 60 days for the information to be updated on his credit report. We have also waived $112.75 in late fees, and credited the amount towards his next monthly payment.
Should you wish to discuss this matter further, please contact me directly at [redacted] extension [redacted].
Sincerely, [redacted]
Problem Resolution Services

Please see attached. I have been trying to communicate with TD Auto finance but they are telling me the information is accurate and it is not. I dont feel that its ok to leave a negative mark on my husbands Equifax if they were willing to remove the same from my report, and this was a joint...

account. Also, I was told by a rep in their office that as they have 1099 us with partial balance, at this point they will not persue collection and this should be removed.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. TD auto finance continues to address the delinquency of my account, this is not the reason for my complaint, I fully acknowledge my account was past due, but a payment arrangement was in place when the rep processed my payment for 500.00. What I would like them to address is. When I followed the instructions sent to me in the attached email to contact  TD auto to make the arrangements it was not honored ( including the email) 1- So what constitutes a valid arrangements? When I ask the supervisor I spoke with the first time his response was to make your payment!! Really,  He also stated that I agreed to make a payment the following Tuesday after the arrangements was in place, which is a lie. And the last supervisor I spoke with stated the recording said the end of the month(Oct) not correct either. But you refuse to let anyone hear the recording of my call, which is what prompted me to record all the calls I made with your company.2- The collections call I received also noted that my payment would be brought current by the end on Nov. But no one has addressed or acknowledges this call even existing since Mr C[redacted] called to address my complaint.3- Why did the rep on 11/25 stated that they closed at 5 and the process would take an hour without even attempting to verify if the process could be completed.It seems the rep on 11/30 who neglected for over 4 hours to send my payment over for the vehicle release stated it would be finished within 30 minutes, once I had to call back in.  So why couldn't the process on 11/25 been handled in 30 minutes also?4- Why on 11/25 was there no supervisor for me to speak with?  You company is quick to say payment wasn't made till 11/30, but you neglected to say that a payment was in place on 11/25 and cancelled right before midnight . I did this because I wasn't able to get clarification on what the additional funds was for.5- Why did it take TD auto so long to except a payment and process it. Did you count the amount of attempts( calls waiting for a supervisor to call me back and dropped calls ) that I had made in that week only to end up having to wait an additional day because someone forgot to send the 1755.00 payment over so my car could be released by the close of business.6- Why was access to my online account closed? Your  rep stating the process to reopen my online access would be completed by Monday.When a week later and I still couldn't get in.7- What about addressing how your reps in the recovery department had issues for several days with the phones. Which delayed and added stress to getting my vehicle back?8- on the damage document (that repo company could not give me. )So I took a pic of it myself. TD Auto the only company listed there is nothing for [redacted]. and the person that signed this with me stated this is the first time this form had been used and none of the other companies used this, she started the form would-be sent to The company and thats who I needed to call.  So am I going to be sent on another Goose chance from TD for repairs also.?Nowhere on the phone message, website or email does it state the hour changed during the holidays. The only reason the calls are not attached is because the Revdex.com system can not open them, but I have offered to have someone call and here them if needed.If TD auto still refuses to acknowledge the issues listed, I plan on taking additional steps outside of this agency to resolve the issues surrounding the repo of my vehicle. 
 
 
 
 
 
 
Regards,
[redacted]

June 9, 2016

"Times New Roman","serif"; font-size: 8pt;"> 
[redacted]
Revdex.com
[redacted]
 
Re: Revdex.com Case# [redacted]
               
Dear [redacted],
 
TD Auto Finance, formerly [redacted], acknowledges receipt of your letter regarding [redacted]’s account. Thank you for bringing this matter to our attention.
 
Ms. [redacted] stated that TD Auto Finance is continuing to report false and incorrect data to the three major credit bureaus. She has contacted TD Auto Finance on numerous occasions, but feels that TD Auto Finance is not willing to correct the errors. She further states that she did not have an account with TD Auto Finance; rather, she had a lease account with [redacted], for a 2008 Jeep, almost 9 years ago. She specified that TD Auto Finance is falsely reporting late payments, and she was never more than 30 days late with her payments to [redacted]. She is requesting the immediate deletion of all negative information from her credit bureaus. 
 
Ms. [redacted] entered into a Motor Vehicle Lease Agreement with TD Auto Finance, previously [redacted], on 07/01/08, for a 2008 Jeep Liberty. According to the contract, she agreed to pay $476.44, beginning 08/10/08, for 36 payments. A review of the payment history indicates that numerous payments were received after the due date. Due to non-payment, Ms. [redacted] was mailed Notices of Default and the Right to Cure Motor Vehicle Lease on the following dates: 03/11/09, 05/15/09, 08/17/09, 04/14/10, 10/13/10, and 03/21/11. A Lease End Statement was mailed to the Customer on 05/17/11, confirming the final balance of $4,631.33. The delinquency date that led to the charge off of the account was 02/10/11. We received a final payment from Ms. [redacted] in the amount of $500.00, on 04/12/11, and she turned in the vehicle on 05/17/11. A lease end statement was mailed to Ms. [redacted] on 05/17/11, with a remaining balance of $4,631.33. As of 05/31/16, the account is being reported as a status 97, unpaid balance reported as a loss. To discuss payment arrangements, Ms. [redacted] can contact our Deficiency Department directly, at ([redacted], between the hours of 8AM and 6PM Eastern Standard Time, Monday through Friday. Please find attached a copy of the payment history, notices of default and right to cure motor vehicle lease, one and the same letter, and lease end statement for your records
 
We have investigated Ms. [redacted]’s dispute and, considering all the facts, we found that we are accurately reporting the account history to the credit bureaus. We are required to report account history accurately, as it has transpired, to the credit reporting agencies. We cannot conceal account activity, and therefore, we cannot accommodate the Customer's request to delete the credit reporting. The credit reporting agencies will determine if, when, and how aging data on Ms. [redacted]'s credit report is eventually removed or purged.  As long as they continue obtaining information from her TD Auto Finance account, they will merely project that which we are accurately reflecting.
 
On behalf of TD Auto Finance, I sincerely apologize for any inconvenience Ms. [redacted] may have experienced. Providing Legendary Customer Service is our top priority. Should you wish to discuss this matter further, please contact me directly at ([redacted], extension [redacted].
 
 
                                        ...⇄                            Sincerely,
 
 
 
                                        ...⇄ [redacted]
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