Goodyear Auto Service Center #4230 - Corporate

January
06, 2017
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[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 Mr. [redacted]'s account. Thank 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 2016 Chevy.
Her insurance company, [redacted], issued a check on 10/28/16 for $19,346.80
to TD Auto Finance; however, we continued to debit her account each month for
the $455.80. 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 12/13/16 by
TD Auto Finance. When she called on 12/22/16 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 12/13/16. 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 2016 Chevrolet Trax. According to the
contract, she agreed to make monthly payments of $455.80, beginning 08/28/16,
for 48 payments. Section 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 account. We were notified that the vehicle was a total loss
on 10/28/16, and we faxed the Letter of Guarantee to [redacted] on 11/14/16. During
this time, the 11/28/16 payment was automatically deducted because we did not
receive the payment from [redacted]. Please be advised that the automatic
payment was cancelled as of 12/19/16.
 
Additionally,
we processed the insurance proceeds of $19,346.80, on 01/04/17; however, we
have backdated the payment to 12/13/16 to coincide with the date that the check
was received, which created an overage of $830.74 that consisted of the
additional funds from Ms. [redacted]'s monthly payments. TD Auto Finance will issue a refund check to
Ms. [redacted], and all overages are refunded within 30 days of account closing,
which was 01/04/17. Please note that the GAP insurance was cancelled on the
account once the account was paid in full. Ms. [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
priority. Should you wish to discuss this matter further, please contact me
directly at [redacted], extension [redacted].
 
 
                                        ...⇄ />            Sincerely,
 
 
 
                                        ...⇄ Kate
L[redacted]
Problem Resolution Services

TD Auto Finance
Roman","serif";">Attn: Customer Resolution
[redacted]
 
 
September 01, 2016
 
[redacted]
Revdex.com of Upstate South Carolina
408 North Church St, Suite C
Greenville, SC 29601-2164
 
[redacted]
               
Dear [redacted]
 
TD Auto Finance acknowledges receipt of your letter regarding your account. Thank 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 member. We allowed you to extend your contract by a month, but we never received the signature form and we repossessed your vehicle. One 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 do. You had to pay the past due balance in full, $600.00 in repossession fees, and $400.00 in storage fees because of a mistake from TD. You stated that on 06/13/16 you paid the balance, repossession fees, and storage fees, and it took until 08/11/16 for the document to be imaged to the account. You 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 2013 [redacted]. According to the contract, you agreed to make monthly payments of $499.72, beginning 07/05/12, for 75 payments. Our records indicate that the payments were received past the due date and we mailed a 31 Day Past due Collection Letter to you on 09/08/14, 12/09/14, and 03/07/15. We also mailed a Right to Cure and Intention to Repossess letter to you on 09/11/14, 12/11/14, and 05/13/15 before the vehicle was repossessed on 07/16/15. We mailed a Notice After Repossession letter on 07/17/15, and you redeemed the vehicle on 07/27/15. Your account fell behind again and we mailed 31 Day Past due Collection Letters on 09/09/15 and 02/08/16, and a Right to Cure and Intention to Repossess letter was mailed on 10/08/15, 02/11/16, and 04/21/16. You were granted a one month extension on 04/02/16; however, the vehicle was repossessed on 06/12/16 because the extension was not processed until 08/19/16. I have included a contact copy, copies of the 31 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 $610.00. Please note that your next payment is due 10/05/16 in the amount of $504.20. The removal of the repossession was communicated on 08/31/16 to the three major credit reporting agencies. Please accept this [redacted] as confirmation that this update was sent to the credit reporting agencies. Please allow 30-60 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 company. Should you wish to discuss this matter further, please contact me directly at [redacted]
 
 
                                        ...⇄                                         ...⇄ Sincerely,
 
 
 
                                        ...⇄ [redacted]
Problem Resolution Services