Pleasant Valley Mobile Home Park Community

TD Auto FinancePO Box *** ***, MI 48333 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

December 30,
*** ***
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 Ms***'s accountThank you for bringing
this matter to our attention
We received notification that Ms
*** was not fully satisfied with our previous responseIn her letter, Ms
*** 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*** a Notice of Default and
Intention to Accelerate on 09/27/At that time, Ms*** 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*** spoke
with a representative on 10/06/16, they processed a payment of $500.00, and Ms*** 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/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*** 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 *** *** America, who can be contacted directly at
(*** ***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 (***, extension ***
Sincerely,
Kayde
L***
Problem Resolution Services

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me, if they do permanently cease attempts at collectionIf they resume collection attempts I reserve the right to reject their response
Regards,
*** ***, Curator

TD Auto Finance
Attn: Customer Resolution
PO Box *** *** ***, MI
***
March 29,
*** ***
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 accountThank you for bringing this matter to our attention
In your letter, you stated that Mrs*** purchased a vehicle through TD Auto Finance while she was living in the state of Virginia, but moved to Pennsylvania in December of In January 2017, she mailed the required documents through her insurance company, ***, so that the vehicle could be registered in the new stateMrs*** and her husband have been misinformed regarding her title, and she wants an update on the status of the state transfer
In review of the account, I confirmed that we received a letter of request for the title from the state of Pennsylvania for Mrs*** to register her vehicleHowever, the title from Virginia was electronic, and we needed to request a paper title, which was done on 01/17/We received the paper title from the VA DMV on 02/17/17; however, there was a discrepancy with the VIN, which has now been correctedOn 03/15/17, the VA paper title and letter of request was sent overnight via UPS, with tracking number ***, to *** East Central, *** *** Rd SteE, *** ***, PA 15068, and we confirmed that it was received on 03/16/
On behalf of TD Auto Finance, I apologize for the difficulties Mrs*** has experiencedProviding Legendary Customer Service is our first priorityPlease understand that we do not condone unprofessional or insensitive treatmentWe certainly appreciate the Customer taking the time to bring their experiences to our attentionOnly through this type of input are we able to identify areas within our operation that may need to be reviewed and improvedPlease be assured Mrs***'s experience has been shared with the appropriate management team
Should you wish to discuss this matter further, please contact me directly at (866)***, extension ***
Sincerely,
Nikita J***
Problem Resolution Services

Confused about this request for clarification, I will comment further about TD Auto Finance's dangerously unprofessional business practices. Due to their erroneous reporting of a 'missed payment' and an 'over days late' report to TransUnion and Equifax, my credit score has dropped over
points. They, themselves, have admitted there was never a late payment, nor a missed payment, therefore their reporting to the credit bureaus borders on criminal. They've also attempted to charge us a late fee for a payment that was incorrectly posted to the wrong account and then posted it late...this is their sloppy work, not ours

TD Auto FinanceAttn: Customer ResolutionP.OBox *** ***, MI 48333 January 19,
Cindy R***
Revdex.com of Upstate
South Carolina
North Church St, Suite C
Greenville, SC 29601-
Re: Revdex.com Case# ***
Dear Cindy R***,
TD Auto Finance acknowledges
receipt of your letter regarding Ms***'s accountThank you for bringing
this matter to our attention
In her complaint, Ms*** stated
that TD Auto Finance contacted her regarding her original complaint, but she
was refused helpShe stated that she was misled because she was advised that
if she makes a payment for the account, she would be given a month deferral
and she could have a few late fees waivedShe made the payment, but did not
receive the deferred paymentShe stated that she never asked for all her late
fees to be waived, but wants assistance so she does not accumulate more
In review of our records, I
confirmed that we responded to Ms***'s previous concerns on 12/19/17, in
which we confirmed that Ms*** signed a retail installment contract on
11/07/11, for a Chevrolet TahoeWe also confirmed that we waived several
late fees on the account, including an additional fee on the account, which was
assessed for the September paymentThe account is currently due for the
12/22/payment for the amount of $868.00, which includes $in late
fees. As described in Ms***'s
contract, "If payment is not received in full within days after it is
due, you will pay a late charge of $or 5% of the part of the payment that
is late, whichever is greater." Although we waived the late fees assessed
on 09/05/17, 10/03/17, and 12/04/17, Ms*** was assessed a late fee on
01/02/for the 12/22/payment as it was not received with days of the
due dateI have included a copy of Ms***'s contract and payment history
for your records
I had the pleasure of speaking to
Ms*** on 01/15/During this conversation, I advised that the account's
maturity date is 02/22/18, and Ms*** advised that she is not working at
this time; therefore, we were unable to provide an extension on the account as
the situation is not short term, and she was unable to provide her ability to
make the payments moving forwardMs*** requested that I provide her with
a payoff amount for her vehicle, which I provided as $2,029.86, effective until
01/25/We were unable to waive any additional fees on the account;
therefore, this payoff amount includes late fees for the amount of $I have
included a copy of our Notice of Action Taken and our payoff letter for your
records
On
behalf of TD Auto Finance, I sincerely apologize for any inconvenience this
matter may have caused Ms***Providing Legendary Customer Service is our
top priorityShould you wish to discuss this matter further, please contact me
directly at (866)***, extension ***
Sincerely,
Kayde
L***
Problem Resolution Services

TD Auto Finance
Attn: Customer Resolution
PO Box *** *** ***, MI
October 19,
*** ***
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 Ms***'s accountThank you for bringing this matter to our attention
In the letter, Ms*** stated that she moved to a new state that allowed to her to license her vehicle for a year with no titleIn March 2016, she requested her title from TD Auto Finance to re-register her vehicle, but the title was not receivedShe called numerous times in September and October, and spoke with a manager; however, the title was sent to the state of California in errorShe requested that her title be sent to the Missouri DMV so she can get her vehicle licensed
Our records confirmed that we received a letter of request from the Missouri DMV on 09/30/We mailed Ms***'s title via UPS to the Missouri Department of Revenue, Motor Vehicle Bureau, at P.OBox Truman Building- Room Jefferson, MO 65105, on 10/06/Please note that this was sent with UPS tracking number, ***, and we confirmed that this was delivered on 10/07/She can contact the DMV directly to confirm the status of her registration in the state of MO
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,
*** ***
Problem Resolution Services

TD Auto Finance
Attn: Customer Resolution
PO Box ***
*** ***, MI
***
July 21,
*** ***
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 Mr***'s
accountThank you for bringing this matter to our attention
In his
letter, Mr*** stated that he was involved in an accident on 01/25/and,
as part of the settlement, the other party's insurance company issued a check
to him and to TD Auto Finance for the depreciation of the vehicleHe stated
that after he sent the check to TD Auto Finance, he was advised that an
insurance estimate was needed in order for TD Auto Finance to endorse itMr
*** further stated that customer service agents were rude during telephone
conversationsFinally, he requested that we endorse and return the check to
him
In review of the account, I found
that Mrand Ms*** spoke with customer service agents several times
between July 12, and July 14, 2017.
Further, I confirmed that we endorsed the insurance check on 07/14/17,
and it was mailed to Mr*** through UPS Next Day Air with tracking number
*** and delivered on 07/17/On 07/18/17, TD Auto Finance
received the payment from *** Car, which paid Mr***'s loan in full
The title will be released to *** Car within business days as of
07/18/
Please understand that we do
not condone unprofessionalismProviding Legendary Customer Service is our
first priorityOn behalf of TD Auto Finance, I apologize for any negative
experience Mr*** had with our companyWe certainly appreciate him taking
the time to bring his experiences to our attentionOnly through this type of
input are we able to identify areas within our operation that may need to be
reviewed and improvedPlease be assured Mr***'s experience has been
shared with the appropriate management team
Should
you wish to discuss this matter further, please contact me directly at
(866)***, extension ***
Sincerely,
Jessica L***
Problem Resolution Services

TD Auto FinanceAttn: Customer ResolutionPO Box *** ***, MI 48333February 3, 2017
RevDex.com of South Carolina
North Church Street, Suite C
Greenville, SC 29601-
Revdex.com Case#
***
Dear *** ***,
TD
Auto Finance acknowledges receipt of *** ***'s concernsThank you for
bringing this matter to our attention
Mr*** stated that he totaled
his vehicle in April 2016, and his insurance company paid off the value of the
vehicleMr*** stated that he was left with a balance, and he went on to
TDAF.com to pay what he thought was the final paymentMr*** stated he logged
back into TDAF.com after the payment was made, and saw that the balance was
$Mr*** stated that he could no longer access his online accountMr
*** stated that he received a letter in December stating that a balance was
owedAfter speaking with TD Auto Finance several times, explaining that his
online account showed a balance of $0.00, so he didn't make a paymentMr***
was concerned that TD Auto Finance waited months to contact him about the
balance, notifying him that the delinquency would be reported to the credit
bureausMr*** wrote that no one could explain to him where the balance came
from and because the online account showed a $balance, he was not aware of
the amount owedMr*** states that he has an excellent credit score and that
his payments were always on timeHe stated that if he had known there was a
balance, he would have paid it off back in July
Mr***'s insurance company, *** ***, paid a lump sum in the amount of $19,162.53, which posted to the account
on 04/21/We sent a letter on 05/03/2016, advising him that a balance in
the amount of $2,was due by 06/02/We made outbound calls on
05/18/and 06/02/2016, in an attempt to collect the balance owedOn
06/17/2016, a final letter was mailed to him, advising of the past due balance
On 07/11/Mr*** made an
online payment in the amount of $1,Due to the partial payment, the
account was eventually charged off on 12/13/2016, with a balance of $1,
On 12/13/2016, a letter was mailed to Mr***, advising that a payment is due
by 12/17/The letter advised him to call TD Auto finance if he was unable
to make the payment in fullMr*** contacted TD Auto Finance on 12/19/2016,
to inquire about the past due balanceAn agent informed Mr*** that the
website would not have shown the correct amount owed due to the account status
Mr*** requested that a complete payment history be mailed to him for his
personal record keepingOn 01/17/2017, a letter was mailed, advising that
because of the past due balance, we may report the delinquency to the credit
bureausMr*** called again on 01/19/2017, and spoke with an agent who
provided our mailing address and the amount owedMr*** stated that he would
mail the payment
On 01/30/we received a
payment in the amount of $1,395.00, which satisfied the remaining balanceAs
of 02/02/2017, we have taken the necessary steps to have the charge off removed
from Mr***'s credit reportI have enclosed a copy of the signed retail
contract and past due letters, for his records.
On behalf of TD Auto Finance, I
sincerely apologize for any inconvenience Mr*** may have experienced
Providing 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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

All is well, Thank you,They are resolved with TD Finance for my satisfaction.Thank you for good work,*** ***

They reached out to me but they refused from helping meI don't understand how someone that is trying to make payments in my situation, but is late they refuse to helpThey keep misleading me also, they say if I make a payment they will give me two months extension and wave couple of the late fees
so I'll make the payment then call back but every time I make the payment they say they can't help meI'm so disappointed that no one at TD can help me. I never asked for all my late fee to be wavedI only asked if they could wave some and help me figure out what I can do so I won't accumulate more. Thank you Mrs ***

June 13, *** *** *** ** *** *** *** *** *** *** *** 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me- I wasn't expecting much. Although it seems they have indicated they corrected the issue within MY account only but still do not seem to think this happened to other accounts- more system wide. The identity theft info will be provided to the person whose information I came across- one party- no one else.
Regards,
*** ***

Regarding the email from Kayde L*** the only thing she's talking about is the contractYes, I know I have a contract but that does not give TD bank representatives and supervisors the right to mislead me, especially in my situationIf they had help me to change the due date that would help a lot so I wouldn't accumulate those late feesEvery time I call TD bank the representatives told me to make a payment and they would help me but I would have to call back after I make the payment, so I'll make the payment call back TD bank then the representative would say they can't help me and some of the representatives are very rudeKayde stated that they waved fees for me which I'm not totally sure of but if someone at TD bank helped me to change my due date I wouldn't have all those late feesI think TD bank stands behind the contract and don't care about their customers.Thank for your help Ms R***

TD Auto Finance
Attn: Customer
Resolution
PO Box ***
*** ***,
MI
***
July 11,
*** ***
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
accountThank you for bringing this matter to our attention
*** *** stated that she did not authorize or request credit from TD Auto
Finance, and would like the inquiries removed from her credit report
Our records
indicate that we previously responded to Ms***'s concerns on 06/16/TD
Auto Finance received an application on 01/19/from *** Buick Cadillac GMC
Please understand that we are an indirect lender that purchases already
executed contracts from authorized dealershipsDealerships are independently
owned and operated entitiesWe are unable to comment on discussions that take
place at the dealershipUnfortunately, we were unable to approve the
application, and the reasons for denial are listed in the Adverse Action Letter
that was mailed to Ms*** on 01/29/We are required to report accurately
to the credit reporting agencies; therefore, we are unable to remove the credit
inquiry at this timeIn order to remove the inquiry, we will need a letter
from the dealership stating that the application was sent to TD Auto Finance in
errorIf Ms*** feels that the application was submitted fraudulently, she
will need to file a police report for identity theft and provide us a copy of
the police reportI have included copy of the Adverse Action Letter and
previous response for your records
Should you wish
to discuss this matter further, please contact me directly at (866***,
extension ***
Sincerely,
Jessica L***
Problem Resolution
Services

TD
Auto FinanceAttn:
Customer ResolutionPO
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

March
30, 2018
*** * ***
*** * *** AVE
***,
GA 31620-
Re:
Revdex.com Case# ***
Dear
Ms***,
TD Auto Finance acknowledges
receipt of your letter
regarding your concernsThank you for bringing this
matter to our attention
In
your letter, you stated that on 03/02/18, you made a payment of $over
the phone and requested an email confirmationYou stated the representative
said you would receive the email within an hour however, you stated that you
didn’t receive the email confirmationAdditionally, you stated that the
payment reflects "ACH DEBIT TD AUTO FINANCE (WEB) BILL PAY" on your
banking statement however; you made the payment over the phone not by the web
I
had the pleasure of speaking with you on 03/26/During our conversation, I
confirmed the email address that was collected when you made the payment by
phone was incorrectI apologized for the error and the lack of confirmation
made by the representative that took the paymentWe discussed that for future
payments, you will need provide the email address each time in order to receive
an email confirmationI offered to send you a copy of your payment history
that shows the breakdown of how your payment is applied such as the amount that's
applied for interest and the amount that's applied to principalI ensured we
had the correct address on file which should reflect *** * *** Avenue ***,
GA As far as the description of the payment, you will need to discuss
the description with your banking institution
Please
know that providing Legendary Customer Service is our first priority. On behalf of TD Auto Finance, I regret any
negative experience you had with our company.
We certainly appreciate you taking the time to bring your concerns to
our attention. Only through this type of
input are we able to identify opportunities within our operation that may need
to be reviewed and improved. Should you
have any additional questions regarding this matter, please contact me directly
at ***.
Sincerely,
Loren M A*** | Customer Cares Analyst, US
North American Phone Channel Shared Service
TD Bank America’s Most Convenient Bank
T: 888-*** | Ext*** Direct Line:
***

June 9, *** *** Revdex.com *** *** *** *** ***
*** ** *** Re: Revdex.com Case# *** Dear *** ***, TD Auto Finance, formerly *** ***,
acknowledges receipt of your letter regarding *** ***’s accountThank you for bringing this matter to our attention Ms*** 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 *** ***, 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 *** ***She is requesting the immediate deletion of all negative information from her credit bureaus. Ms*** entered into a Motor Vehicle Lease Agreement with TD Auto Finance, previously *** ***, 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*** 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*** 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*** 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*** can contact our Deficiency Department directly, at (*** ***, 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***’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***'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*** may have experiencedProviding Legendary Customer Service is our top priorityShould you wish to discuss this matter further, please contact me directly at (***, extension *** Sincerely, *** *** Problem Resolution Services

TD
Auto Finance
Attn:
Customer Resolution
PO
Box ***
*** ***, MI
***
www.tdautofinance.com
April
27,
Cindy
Rigdon
RevDex.com of Upstate South Carolina
North Church St, Suite C
Greenville,
SC
Re:
Revdex.com Case# ***
Dear
Cindy Rigdon,
TD
Auto Finance acknowledges receipt of your letter regarding *** ***’ accountThank you for bringing this matter to our attention
In
her letter, Ms*** stated that she reviewed our response and has
determined that it does not resolve the complaint. She further stated that she was never
informed by *** * Towing or TD Auto Finance about discarding her valuables
within days and that she has been trying to retrieve her valuables since the
day the vehicle was repossessed but neither *** * Towing nor TDAF are
assisting her to do so
I
reviewed the records for Ms***' account and found that the Repossession
Invoice submitted by the repossession agent showed that Ms*** took her
belongings out of the vehicle when the vehicle was picked upFurther, in
response to Ms*** complaint dated April 3, 2017, we requested an
investigation into the repossessionThe repossession agent responded that Ms
*** was allowed to take all of her personal belongings from the vehicle
at the time she turned her keys over to the agentThe agent also stated that
he took pictures of Ms*** taking her belongings out of the vehicleIf
Ms*** would like to further discuss the details of the repossession,
she can contact *** North America, our vendor for repossessions, directly at
***) ***
On
behalf of TD Auto Finance, I sincerely apologize for any difficulties Ms
*** has experienced with respect to this matter and hope that the
information provided by the investigation into the repossession was helpfulShould you wish to discuss this matter
further, please contact me directly at (***)***, extension ***
Sincerely,
Nikita
J***
Problem
Resolution Services