Pleasant Valley Mobile Home Park Community

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my complaint.
I was never informed by either *** * Towing nor TD Autofinance about disregarding my valuables in daysI have been trying to collect my items since the day my car was repossessedUnfortunately it seems that *** * Towing kept creating excuses and obstacles to claim my property and TD Autofinance wasn't much of a help because the representatives were only interested on the open balance and didn't bother helping me get my valuables backUntil my case comes to a conclusion I would prefer Revdex.com to stay informed
Regards,
*** ***

TD Auto Finance
Attn: Customer Resolution
PO Box ***
*** ***, MI
April 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 Mr***s account
Thank you for bringing this matter to our attention
In his
letter, Mr*** stated that he was advised that his lien would be released
electronically within business days by multiple Customer Service agentsHe
has been in contact with TD Auto Finance, and needs a lien release soon
Our records indicate that TD
Auto Finance received a payment of $on 04/03/17, which paid the account
in fullMr***s title is held electronically in the state of FL, and TD
Auto Finance released the lien electronically to the DMV on 04/10/
Additionally, we mailed the closing documents to Mr*** on 04/11/with
UPS tracking number ***, which was delivered on 04/12/at
10:03AMUpon receiving these documents, Mr*** will need to contact his
local DMV to get a lien-free title
On behalf of TD Auto Finance,
I sincerely apologize for the inconvenience this may have caused Mr***We
certainly appreciate Mr*** taking the time to bring his experiences to
our attentionShould you wish to discuss this matter further, please contact
me directly at (866)***, extension ***
Sincerely,
Jessica
L***
Problem
Resolution Services

TD Auto Finance
Attn: Customer Resolution
PO Box ***
*** ***, MI
August 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
Ms***
stated that she missed one payment in April due to being in the hospital
giving birthShe stated that she made up the payment, and enrolled in our
Automatic Payment ProgramShe has not been late since then; however, we have
informed her that she has not paid, assessed late fees each month, and reported
her to the credit bureau negativelyMs*** stated that she has all
of her bank statements showing that each payment has been made, and stated that
she should not have been charged all of the late fees
In
review of the account, I confirmed that Ms*** signed a retail
installment contract on 12/22/14, for a Ford ExplorerAccording to the
contract, she agreed to make monthly payments of $555.52, beginning 02/05/15,
for paymentsOur records indicate that Ms*** enrolled into our
Automatic Payment program on 05/11/15, and the first payment processed on her
next scheduled due date of 06/05/15; therefore, Ms*** was still
responsible to pay the 05/05/paymentWe spoke to Ms*** on
several occasions and advised her of the missing payment as well as the
returned payment from 03/05/Additionally, we mailed Ms***
Day Past Due Collection Notices on 04/07/15, 04/06/17, and 07/07/We also
mailed Right to Cure and Intention to Repossess Notices on 03/23/17, 05/23/17,
and 06/21/The account is currently past due for the 07/05/and 08/05/
payment with a total balance due of $1,888.88, which includes $in late
feesI have included a contract copy, payment history, and copies of the
notices mailed to Ms***
If
Ms*** has documentation showing that the missing payments from
05/05/and 03/05/were deducted from her account, she will need to fax that
documentation to TD Auto Finance so that we may further investigate her
concernsShe may fax the documents to (888) ***Please be sure to
include the account number on all correspondenceAt this time we are unable to
accommodate Ms***'s request in removing the late fees, or credit
marks associated with the past due balanceOn behalf of TD Auto Finance, I
apologize for any negative experience Ms*** had with our companyShould
you wish to discuss this matter further, please contact me directly at
(866)***, extension ***
Sincerely,
Jessica
L***
Problem Resolution Services

June 09, Revdex.com North Church Street, Suite C Greenville, SC 29601- Attn: *** ***, Director of Dispute Resolution Department Re: Revdex.com Case# *** Dear *** ***, TD Auto Finance acknowledges receipt of *** ***’s
concernsThank you for bringing this matter to our attention In the complaint, Mr*** 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*** entered into a retail installment contract on 01/20/2016, for a Chrysler Mr*** agreed to pay $354.75, beginning 02/20/2016, for monthsA review of the payment history shows that Mr*** 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*** 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 (*** *** ***, extension *** Sincerely, *** *** Problem Resolution Services CC: *** *** Tell us why here

Thank you so much for helping me and my husband with the TD Auto Finance issueWe got a credit report that our account has been closed, and that the derogatory credit reports had been recanted and revokedOur good credit rating had been restored as wellTD Auto Finance also called and
apologized.Again, we thank you and Revdex.com for protecting us, the consumers.Sincerely,

TD Auto Finance
Attn: Customer Resolution
PO Box *** *** ***, MI
February 02,
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 Mr*** ***'s accountThank you for bringing this matter to our attention
Mr*** discovered a late payment mark on his credit report back in December filed by TD Auto FinanceHe financed a Mercedes Benz with TD Auto Finance and enrolled in automatic payments beginning in December After calling TD Auto Finance, he was informed that we would not process the last payment through automatic paymentsNo one has notified him previously, and there was no clear declaration in our automatic payment terms and condition that the automatic payment will not be processed for the last paymentDue to the late payment, his credit score dropped and is affecting him while he is in the process of applying for a mortgageMr*** requested that we remove the credit mark that was assessed
On 01/30/18, I had the pleasure of speaking with Mr***During our conversation, I advised Mr*** that it does state in our terms and conditions that the last payment will not be deductedHowever, due to the fact that he did not receive any communication that the payment was late, TD Auto Finance has waived the credit mark that was assessed for his 10/17/paymentThis information was communicated on 02/01/to the three major credit reporting agenciesPlease accept this 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 report
On behalf of TD Auto Finance, I sincerely apologize for any inconvenience this may have causedProviding Legendary Customer Service is our top priorityShould you wish to discuss this matter further, please contact me directly at (866)***, extension ***
Sincerely,
Jessica L*** Problem Resolution Services

TD Auto Finance
Attn: Customer Resolution
PO Box ***
*** ***, MI
January 30,
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 Mrs***'s accountThank you
for bringing this matter to our attention
In Mrs***'s letter,
she stated that we applied her car payment to the wrong account and began
collection calls, with one as early as 6:AMShe sent us proof of payment,
but the harassment continuedBy the time the payment was applied correctly,
she had been charged a late fee and received a day credit markShe
requested the credit mark to be reversed but it was denied although her credit
score dropped because of the errorAdditionally, every time she calls it takes
a long time to speak with an agent, it's never the same person, and the issue
never gets resolved
In review of our records,
I confirmed that a payment in the amount of $was misapplied to an
incorrect account on 11/29/17. We
successfully located the payment and applied it to the correct account on
01/03/The payment was backdated to original posting date of 11/29/17, and
all fees and credit marks were subsequently reversedPlease understand that it
could take up to 30-days for the credit bureau to update their recordsFor
your records, I have included a copy of the payment history
Providing Legendary
Customer Service is our first priority.
On behalf of TD Auto Finance, we apologize for any negative experience she
had with our company. We certainly
appreciate Mrs*** taking the time to bring her experiences to our
attention. Only through this type of
input are we able to identify areas within our operation that may need to be
reviewed and improved. Should you wish
to discuss this matter further, please contact me directly at (866)***,
extension ***
Sincerely,
Nikita
J***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,
*** ***

TD Auto Finance
Attn:
Customer Resolution
PO
Box ***
*** ***, MI
www.tdautofinance.com
April
09,
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
concernsThank you for bringing this matter to our attention
In
Ms***'s letter, she stated that an unauthorized credit inquiry was sent to
TD Auto Finance from *** Dodge Chrysler, in ***, NJ on 03/06/She
states that she has contacted us several times to have the inquiry removed, but
continues to receive conflicting information from different agentsMs***
requests that the credit inquiry be removed from her credit report
TD
Auto Finance received an application for a Honda Civic from *** International Motors on 03/06/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 you on 03/16/We are required to report accurately to the credit
reporting agencies, and 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 error,
and the reason this error occurredIf you feel that this application was
submitted fraudulently, you will need to file a police report for identity
theft and provide us a copy of the police report to the address belowI have
included a copy of the Adverse Action Letter for your records
TD Auto
Finance
Attn: Credit
Investigations
PO Box ***
*** ***, MI
On
behalf of TD Auto Finance, I sincerely apologize for the difficulties you have experienced
Should you wish to discuss this matter further, please contact me directly at
(866)***, extension ***
Sincerely,
Nikita
J***
Problem Resolution Services

TD Auto Finance
Attn: Customer
Resolution
PO Box [redacted]
[redacted], MI 48333
 
 
July 25, 2017
 
[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 [redacted]'
account. Thank you for bringing this matter to our attention.
 
In her letter, Ms. [redacted] stated that her payment is due on the
29th of each month, and she has not been late since 2014. In March 2017, we
reported her late for the month of February, but the payment was posted on
03/01/17 and it was not 30 days late. Ms. [redacted] requested that we remove the 30
day past due credit mark from her credit report.
 
In
review of the account, I confirmed that Ms. [redacted] signed a retail installment
contract with [redacted] on 06/14/13, for a 2012 GMC Acadia. According to the
contract, they agreed to make monthly payments of $559.38, beginning 07/29/13,
for 72 payments. Our records indicate that the February 2017 was not reflected
as late to the credit bureaus; however, the January 2017 payment was 31 days
past due. In review of the payment, I confirmed that the payment was initiated
on 02/28/17 at 11 PM EST on our website. Since the payment was created after our
website's cut off time of 3PM EST, it was not processed until 03/01/17. Please
understand that TD Auto Finance is required to report the account history
accurately, as it has transpired, to the credit reporting agencies.  We cannot conceal account activity, and
therefore, we cannot accommodate Ms. [redacted]' request in removing the credit
mark. I have included a contract copy and payment history for her records.
 
On
behalf of TD Auto Finance, I sincerely apologize for any difficulties Ms. [redacted]
has experienced with our company. Should you wish to discuss this matter
further, please contact me directly at (866)[redacted], extension [redacted].
 
Sincerely,
Jessica L[redacted]
Problem Resolution Services

TD Auto FinanceAttn: 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

TD Auto Finance
Attn: Customer Resolution
PO Box [redacted], MI 48333
 
September 20,
2017
 
Cindy R[redacted]
RevDex.com of Upstate South Carolina
408 North
Church St, Suite C
Greenville, SC
29601-2164
 
Re: Revdex.com Case#...

[redacted]
               
Dear Cindy
R[redacted],
 
TD
Auto Finance acknowledges receipt of your letter regarding Ms. [redacted]'s account.
Thank you for bringing this matter to our attention.
 
Ms. [redacted] stated that
TD is the lienholder for two of her vehicles, and [redacted] Collision has been
attempting to send the insurance check since 08/04/17, as they've completed the
repairs on both vehicles. TD deposited the check in early June, and she is
requesting that we send the check overnight to [redacted] Collision as she has
written them a check for the repairs.
 
In
review of our records, I confirmed that Ms. [redacted] signed two retail installment
contracts on 12/19/15, for a 2013 Hyundai Veloster and a 2014 Jeep Grand
Cherokee. On 06/05/17, we received two insurance checks for $1,507.42, and
$2,048.22; however, the account number on the checks only referenced the 2014
Jeep account, and they were both deposited to the Jeep's account. On 08/21/17,
we mailed the $2,048.22 check to [redacted] Collision via UPS trac[redacted] number [redacted], which was delivered on 08/23/17. On 09/15/17, we mailed the
$1,507.42 check to [redacted] Collision via UPS trac[redacted] number
[redacted], which was delivered on 09/18/17. Ms. [redacted] will need to
contact [redacted] Collision to confirm the status of the processing of the check.
 
On behalf of TD Auto Finance, I
sincerely apologize for any difficulties Ms. [redacted] has experienced with our company,
and that [redacted] Collision did not receive the funds sooner. Should you wish to
discuss this matter further, please contact me directly at (866)[redacted],
extension [redacted].
 
 
Sincerely,
 
 
Jessica L[redacted]
Problem Resolution Services

TD
Auto Finance
Attn:
Customer Resolution
PO
Box [redacted]
[redacted], MI 48333
248-[redacted]
 
July 21, 2017
 
[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 a notification stating that the Customer was not
satisfied with our previous response. In the rebuttal, Ms. [redacted] stated that
there are many falsities in our response. She pointed out that the "Notice
after Repossession" was dated after she paid her loan off, and the
response from the previous agent listed an incorrect paid in full date. Ms.
[redacted] stated that she made a payment of $2,501.44 on 04/07/17, which caught up
her loan but it was not paid off until 04/18/17. On 07/05/17, she called but
she did not request the credit mark to be removed due to the delay of the
title, but the discussion regarding her title was a separate topic during the
same phone call. Ms. [redacted] is upset that the agent did not address the delay
of her title, as it was delayed due to TD Auto Finance sending it to [redacted]
Auto Auction in error after she paid the loan off. She contacted the Auction
and they sent the title to TD Auto Finance, but when we released it a second
time it was sent to another wrong address. It wasn't until she spoke to UPS
that she was able to receive her title. Ms. [redacted] stated that the compensation
request was for her time and frustration trying to correct the mistake caused
by TD Auto Finance sending her title to someone other than her after she paid
the loan off.
 
After
thoroughly reviewing the account, we confirmed that the vehicle was repossessed
on 04/01/17, and a Notice After Repossession or Voluntary Surrender was mailed
to her on 04/04/17. On 04/07/17, the vehicle was redeemed, and on 04/18/17 the
account was paid in full. Unfortunately, the title was released to the auction and
when the title was returned it was sent to Ms. [redacted]'s P.O. Box. At Ms. [redacted]'s
request, UPS was able to redirect the title to her physical address. I have
included a copy of the Notice After Repossession and Paid in Full letter for
your review. Unfortunately, we are unable to accommodate Ms. [redacted]'s request
for compensation for her time and frustration.
 
On
behalf of TD Auto Finance, I sincerely apologize for the difficulties Ms.
[redacted] has experienced with our company regarding the processing of her title
and for any inadvertent errors in the previous response. Providing Legendary
Customer Service is our top priority. We certainly appreciate Ms. [redacted] taking the time
to bring her experiences to our attention. Only through this type of input are
we able to identify areas within our operation that may need to be reviewed and
improved. Please be assured Ms. [redacted]'s experience has been shared with the
appropriate management team.
 
Please
understand that our position regarding credit reporting remains the same. We
determined that we are currently reporting the account accurately as status 13:
Paid in Full, and we are required by the Fair Credit Reporting Act to report
her account history accurately, as it has transpired, to the credit reporting agencies.
We cannot conceal account activity, therefore, we cannot accommodate Ms.
[redacted]'s request to remove the repossession from her credit report. Should you
wish to discuss this matter further, please contact me directly at
(866)[redacted], extension [redacted].
 
 
Sincerely,
Jessica
L[redacted]
Problem
Resolution Services

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

TD Auto FinanceAttn: Customer ResolutionPO Box [redacted]Farmington Hills, MI 48333 March 20, 2018
 
Cindy R[redacted]
Revdex.com of Upstate South
Carolina
408 North Church St, Suite C
Greenville, SC 29601-2164
 
Re: Revdex.com Case#...

[redacted]
               
Dear Cindy R[redacted],
 
TD
Auto Finance acknowledges receipt of your letter regarding Ms. [redacted]'s
concerns. Thank you for bringing this matter to our attention.
 
In
her letter, [redacted] stated that she financed a vehicle on 02/28/18
through Audi [redacted] and when she called TD Auto Finance, customer service
agents recognized her phone number and social security number, but advised her
that she was not in TD Auto Finance's system. She requested a 10 day payoff amount
and address to send the payoff.
 
In
review of our records, I confirmed that TD Auto Finance received an application
for a 2015 Audi A4 on 02/28/18 from Audi [redacted]; however, the loan was not financed
with TD Auto Finance. An Adverse Action
Letter was mailed to Ms. [redacted] on 03/10/18. I have included a copy of the letter
for your records.
 
In
further review of our records, I confirmed that [redacted] previously
leased a 2007 Dodge Caliber with TD Auto Finance (formerly known as DaimlerChrysler
Financial Services Americas) which is why her social security number and phone
number were recognized in our systems. I have included a letter addressed to
Ms. [redacted] showing that TD Auto Finance and DaimlerChrysler Financial Services
Americas are the same entity.
 
Finally,
please be aware that we are unable to accommodate Ms. [redacted]'s request for a
payoff amount as the loan was not financed with TD Auto Finance. She will need
to contact Audi [redacted] directly for this information.
 
On behalf of TD Auto Finance, I appreciate
the opportunity to review Ms. [redacted]'s complaint. Should you have any other
questions, please contact me directly at (866)[redacted], extension [redacted].
 
 Sincerely,
 
 
 
Jessica
L[redacted]
Problem
Resolution Services

TD
Auto Finance
Attn:
Customer Resolution
PO
Box [redacted], MI 48333
www.tdautofinance.com
 
 
April
12, 2018
 
Cindy
R[redacted]
RevDex.com of Upstate South Carolina
408
North Church St, Suite C
Greenville,
SC...

29601-2164
 
Re:
Revdex.com Case# [redacted]
               
Dear
Cindy R[redacted],
 
TD
Auto Finance acknowledges receipt of your letter regarding Ms. [redacted]'s account.
Thank you for bringing this matter to our attention.
 
In
her letter, Ms. [redacted] stated that she purchased her vehicle in December 2017;
however, she was involved in an accident, and her vehicle was deemed a total
loss two weeks later. Ms. [redacted] states that she purchased GAP insurance, in
which they are responsible for paying off the remaining balance owed; however,
we continue to contact her regarding past due payments. She feels as though she
should not owe any payments since the vehicle was totaled before her first due
date. She has provided all of the required documents to both TD Auto Finance
and her insurance company. She requests that her credit report be updated immediately.
 
In
review of the account, I confirmed that Ms. [redacted] signed a retail installment
contract on 12/29/17 for a 2017 Chevrolet Cruze. According to this contract,
she agreed to make payments in the amount of $390.44, beginning 02/12/18, for
84 months. Additionally, under section 2a of the contract it states that
the Customer agrees to pay all that is owed under the contract even if the
vehicle is damaged, destroyed, or missing and to have physical damage insurance
covering loss of or damage to the vehicle for the term of the contract. We
received notification that the vehicle was a total loss on 01/30/18, and the
Letter of Guarantee was faxed on 01/31/18. We had the pleasure of speaking with
Ms. [redacted] on 04/03/18, and during this conversation she advised that her
insurance company would be sending us a payment, but that it would not cover
the full amount owed. We advised Ms. [redacted] that she is still responsible for the
loan, and also confirmed that she purchased GAP with [redacted] Insurance. We
explained that she would need to contact them regarding processing the claim. We
received the payment from [redacted] Insurance on, 04/10/18 in the amount of
$18,079.60. Additionally, the payment from [redacted] Insurance and the cancelled
service agreements were both backdated to the date of loss.  The current payoff amount is $5,095.64, which
is good until 05/10/18. If payment is not received by this date, collection
activity may continue including the account being charged off. For your records I have included a copy of the
payoff letter.
 
On
behalf of TD Auto Finance, we apologize for any negative experience Ms. [redacted] had
with our company. Providing Legendary
Customer Service is our first priority. Should you wish to discuss this matter
further, please contact me directly at (866)[redacted], extension [redacted].
 
 
   Sincerely,
 
 
 
Nikita
J[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.  They only speak of a payment made by me in October For 2 missed patents. The third party made a payment and paid off...

the entire loan after that. I'm Not Surprised However That This Information Would Magically Disappear And That I, The Little Guy, Get Screwed In This Matter. The Company Should Know That They Have A Better Chance Of Getting The Money From The 3rd Party (Who BY THE WAY They Have His Name On Record Because They Brought It Up In Our Phone Call) Seeing As The 3rd Party Is A Professional Scam Artist And In Prison Having To Pay Off His Other Debts As Far As I Last Heard. I'll Continue To Fight This And If I Have To I Will Get A Lawyer To Sue Both The Company And The Scam Artist. I'm Sure There Are Several Other People Who Would Like To Sue TD Auto According To The Other Complaints And Reviews Of The Company 
Regards,
[redacted]

TD Auto FinanceAttn: Customer ResolutionP.O. Box [redacted], MI 48333  October
26, 2016
 
[redacted]
RevDex.com of Upstate South Caro[redacted]a
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 [redacted]'s account. Thank you for bringing
this matter to our attention.
 
In the letter, Ms. [redacted] stated that
she has had an auto loan since 07/2013, and discovered in 08/2016 that the loan
was created using her name but her husband's social security number. She was directed
to our Fraud department, who sent her SSN verification forms. When she received
the forms, the date of birth was incorrect and her name was not listed
completely. She has tried to contact the Fraud department to get corrected
forms, and has left numerous messages, but has not received a call back. She
requested someone in management to call her back with an explanation as to why
this error occurred.
 
A
manager, Tiffany J[redacted], had the pleasure of speaking to Ms. [redacted] on 10/19/16.
She apologized for the inconvenience and informed Ms. [redacted] that she would have
corrected forms mailed out to her.  Once we
receive the completed forms back, our Fraud department will continue their
investigation. Our Fraud department can be contacted directly, at ([redacted], between 8AM and 5PM EST, Monday to Friday. The corrected SSA form was
mailed via UPS to [redacted]st St Apt [redacted], NY 11435 on
10/19/16.
 
Please
understand that TD Auto Finance is an indirect lender that purchases already
executed contracts from authorized dealerships. All paperwork is completed at
the dealership, and forwarded to TD Auto Finance once the contract has been
purchased. In 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 provided. Unfortunately, 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. [redacted]. Should you wish to discuss this matter further,
please contact me directly at ([redacted], extension [redacted].
 
 
Sincerely,
 
 
 
Kayde
L[redacted]Problem Resolution Services

TD
Auto Finance
Attn:
Customer Resolution
PO
Box [redacted]
[redacted] Hills, MI 48333
[redacted]
www.tdautofinance.com
 
 
 
February
20, 2018
 
Cindy
R[redacted]
RevDex.com of Upstate South Carolina
408
North Church St, Suite...

C
Greenville,
SC 29601-2164
 
Re:
Revdex.com Case# [redacted]
               
Dear Cindy
R[redacted],
 
TD Auto Finance acknowledges receipt of
your letter regarding Ms. [redacted]' account. Thank you for bringing
this matter to our attention.
 
In Ms. [redacted]' letter, she stated that that we've erroneously
reported her as 30 days late to the credit reporting agencies twice. Her payments
are due on the 30th of every month, and a payment was made on 01/29/18;
however, she was still reported as being 30 days late. She states that she has
never been late, and requests that the issue be resolved.
 
In review of the account, I confirmed
that [redacted] and [redacted] signed a retail installment contract on
06/14/13 for a 2012 GMC Acadia. According to this contract, they agreed to make
payments in the amount of $ 559.38, beginning 07/29/13, for 72 months. I had
the pleasure of speaking with Ms. [redacted] on 02/13/18. During this
conversation, I confirmed that the payment received on 01/29/18 was received at
28 days past due, and therefore, did not negatively affect her credit. However,
the payment received on 01/02/18 was received 34 days past due for her November
2017 payment. While the payment was made on our website on 12/29/17, it was
made after 3PM EST which is the cutoff time; therefore, it posted the next
business day, 01/02/18. Please understand that TD Auto Finance is 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 Ms. [redacted]' request to remove the credit mark. I have
included a copy of the contract and payment history for her records.
 
On behalf of TD Auto Finance, I
sincerely apologize for any difficulties Ms. [redacted] has experienced with our
company. Should you wish to discuss this
matter further, please contact me directly at (866)[redacted], extension [redacted].
 
 
Sincerely,
 
Nikita
J[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.