Goodyear Auto Service Center #- Corporate

TD Auto Finance Attn: Customer Resolution [redacted] July 1, Revdex.com of Greenville, Inc North Church Street, Suite C Greenville, SC [redacted] [redacted] Department Re: Revdex.com [redacted] Dea [redacted] TD Auto Finance acknowledges receipt of Mr [redacted] concerns regarding his accountThank you for bringing this matter to our attention Mr [redacted] stated that he set up automatic payments with TD Auto Finance in November The paperwork did not make it on time for the 28th of that month, in NovemberWhen 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 He was told that he was past due on his payments beginning November of 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 paymentThis 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 incorrectlyThe 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 [redacted] According to the contract, he agreed upon monthly payments of $259.46, beginning 06/30/2013, for paymentsOn 12/02/2013, he enrolled in automatic payments on [redacted] , at that time the payment of $was due on 11/30/When enrolling in automatic payments on our website, it states please allow up to business days to process the request, and will state the date the first automatic payment will be withdrawnIn [redacted] case, the first payment wouldn’t have been automatically withdrawn until 12/30/Since we did not receive the payment for 11/30/2013, his account fell one payment behindWe do not send paper bills once the account has been set up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 paymentWe 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 [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 experienceI let him know that the payment he made on 03/18/was not applied correctly so that the 03/30/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 $On behalf of TD Auto Finance, we sincerely apologize for the difficulties you have experiencedPlease 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 reportPlease accept this AUD control numbe [redacted] as confirmation that this was sent to the credit reporting agencies [redacted] will need to allow – days for the information to be updated on his credit reportWe have also waived $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 *** Sincerely, [redacted] Problem Resolution Services

December 30, [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 Ms***'s accountThank you for bringing this matter to our attention We received notification that Ms [redacted] was not fully satisfied with our previous responseIn her letter, Ms [redacted] stated that she does have her vehicle back, but the process was stressful for herShe stated that she was advise.d on 11/25/that, TD Auto Finance was open until 6PM EST, although she was advised by another agent on 11/25/that the office would close at 5PM ESTShe spoke to a supervisor on 11/28/16, who stated that her phone call from 10/06/was reviewed and she agreed to make a payment the following Tuesday, 10/11/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 paymentShe 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/ She stated that when she redeemed her vehicle, it had a flat tire and her engine and passenger seat belt lights were illuminatedShe said that her concerns were not addressed in the original response she received We have researched Ms***'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 holidayThe 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/At that time, Ms [redacted] was due for the 07/12/16, 08/12/and 09/12/payments for a total of $To prevent the repossession, the balance needed to be paid by 10/07/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/ Because the amount outlined in her Notice of Default and Intention to Accelerate remained unpaid, her vehicle was repossessed on 11/25/We received a payment in the amount of $1,on 11/30/16, which satisfied the past due balance and repossession feesWhile we understand that unforeseen circumstances may surface, contractual obligations need to be maintainedI have included a copy of the Notice of Default and Intention to Accelerate and the payment history for your reviewAdditionally, 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***'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***Should you wish to discuss this matter further, please contact me directly at ( [redacted] , extension *** Sincerely, Kayde L [redacted] Problem Resolution Services

June 9, "Times New Roman","serif [redacted] Revdex.com [redacted] Re: Revdex.com Case# [redacted] Dear [redacted] ***, TD Auto Finance, formerly [redacted] , acknowledges receipt of your letter regarding [redacted] ’s accountThank you for bringing this matter to our attention Ms [redacted] stated that TD Auto Finance is continuing to report and incorrect data to the three major credit bureausShe has contacted TD Auto Finance on numerous occasions, but feels that TD Auto Finance is not willing to correct the errorsShe further states that she did not have an account with TD Auto Finance; rather, she had a lease account with [redacted] , for a Jeep, almost years agoShe specified that TD Auto Finance is falsely reporting late payments, and she was never more than 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 Jeep LibertyAccording to the contract, she agreed to pay $476.44, beginning 08/10/08, for paymentsA review of the payment history indicates that numerous payments were received after the due dateDue 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/A Lease End Statement was mailed to the Customer on 05/17/11, confirming the final balance of $4,The delinquency date that led to the charge off of the account was 02/10/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/A lease end statement was mailed to Ms [redacted] on 05/17/11, with a remaining balance of $4,As of 05/31/16, the account is being reported as a status 97, unpaid balance reported as a lossTo 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 FridayPlease 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 bureausWe are required to report account history accurately, as it has transpired, to the credit reporting agenciesWe cannot conceal account activity, and therefore, we cannot accommodate the Customer's request to delete the credit reportingThe 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 experiencedProviding Legendary Customer Service is our top priorityShould you wish to discuss this matter further, please contact me directly at ( [redacted] , extension *** Sincerely, [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 complaintTD 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 What I would like them to address isWhen 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 lieAnd the last supervisor I spoke with stated the recording said the end of the month(Oct) not correct eitherBut 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 NovBut 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/stated that they closed at and the process would take an hour without even attempting to verify if the process could be completed.It seems the rep on 11/who neglected for over hours to send my payment over for the vehicle release stated it would be finished within minutes, once I had to call back in So why couldn't the process on 11/been handled in minutes also?4- Why on 11/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/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 itDid 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 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 phonesWhich 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 myselfTD Auto the only company listed there is nothing for ***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 wousent 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 holidaysThe 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] ***