Pleasant Valley Mobile Home Park Community

TD Auto Finance
Attn: Customer Resolution
PO Box [redacted], MI 48333
March 09, 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.
Ms. [redacted] stated that she is a part of the Volkswagen 2.0 diesel recall and she turned her car in on 01/26/17. Volkswagen Claims mailed a check to TD Auto Finance on 02/07/17, and the check was signed for by C. N[redacted] on 02/09/17. TD Auto Finance has not been able to locate the check and we requested that VW fax a copy of the front and back of the check, but she has been unable to obtain the check. Ms. [redacted] requested that we locate the check and apply it to her account as of 02/09/17, remove any late charges that accrued since 02/09/17, and release the title to Volkswagen Claims.
I had the pleasure of speaking with Ms. [redacted] on 03/07/17. During our conversation, I advised Ms. [redacted] that we were unable to locate the payment from 02/09/17; however, I spoke to Star, from [redacted] Claims, and she confirmed that they will be reissuing another check to TD Auto Finance. Once the check is received TD Auto Finance will backdate the payment to reflect 02/09/17, to coincide with the original date received. This will ensure that no additional charges are assessed, and the closing documents will be mailed to [redacted] Claims.
On behalf of TD Auto Finance, I sincerely apologize for any inconvenience this may have caused Ms. [redacted]. Should you wish to discuss this matter further, please contact me directly at (866)[redacted], extension [redacted].
Sincerely,
Jessica L[redacted] Problem Resolution Services

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that, although my complaint has at least on the surface been resolved, in that I have indeed finally after 7 years received my title, the facts they have presented are totally not true.For one, when I sent the amount they requested in October 2016 I included a letter which very clearly stated I had a new address and requested the title be sent to my new address and not to my old address.For two, the VERY FIRST TIME they had suggested there was ANY balance due was in October 2016.  The other times I was able to reach someone who could find anything about my account NEVER mentioned anything was due and in fact had stated on at least two occasions they were mailing my title.  As you know, if something was due wouldn't you think they would contact you?  They had my address and they had my telephone number.  I moved shortly before October 2016 but still had the same telephone number.For an entity that takes 7 years to mail a title, I guess it is not that surprising that they would take this opportunity to present all of these lies.  I lost the sale of this vehicle because the individual that was willing to pay me more than I think the vehicle is even worth, became tired of waiting for the title and purchased a different vehicle.
Regards,
[redacted]

TD
Auto Finance
Attn:
Customer Resolution
PO
Box [redacted], MI 48333
 
 
March 28, 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 follow up letter regarding Ms. [redacted]'s account. Thank you for
bringing this matter to our attention.
 
Ms. [redacted] reviewed the response and
has determined that her concerns have not been resolved. She is concerned that
her account has still not cleared, and she continues to receive phone calls
from TD Auto Finance stating that her account is delinquent. Because the first
check from VW Claims was lost, she feels that TD Auto Finance should be working
directly with VW Claims to have another check reissued, but she has not received
any updates.
 
I
had the pleasure of speaking with Ms. [redacted] on 3/21/17. During our conversation,
I advised Ms. [redacted] that we have not been able to locate the payment from
02/09/17; however, I have spoken to Dawn, form [redacted] Claims, who advised
that the most recent update they have is that the check will be reissued to TD
Auto Finance. Dawn confirmed that though they were made aware of the concern on
03/03/17, the check has not been reissued yet, but she would contact Ms. [redacted]
with any additional updates. As confirmed in TD Auto Finance's response, dated
03/09/17, once the check is received, we will backdate the payment to reflect
02/09/17, to coincide with the original date received. This will ensure that no
credit marks or additional charges are assessed. Once the payoff is processed,
the closing documents will be mailed to [redacted] Claims. If the payoff
results in an overage on the account, TD Auto Finance will mail a refund check,
for any overage amount, to Ms. [redacted] at the mailing address on her account.
 
On
behalf of TD Auto Finance, I sincerely apologize for any inconvenience this may
have caused Ms. [redacted]. Should you wish to discuss this matter further, please
contact me directly at (866[redacted], extension [redacted].
 
 
                                        ...⇄ />            Sincerely,
 
 
 
                                        ...⇄ Kayde
L[redacted]
         Problem Resolution Services

TD Auto Finance
Attn: Customer Resolution
PO Box [redacted]
[redacted], MI 48333
[redacted]
 
December 06, 2017
 
Cindy Rigdon
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.
 
We received notification that
Ms. [redacted] was not satisfied with our previous response. In her letter, she
stated that we only speak of the payment made by her in October for 2 missed
payments. A third party made a payment to pay off the loan after that. She
stated that we should know that we have a better chance of getting the money
from the third party as he is a professional scam artist. Ms. [redacted] stated
that she will continue to fight this, and will obtain a lawyer to sue both TD
Auto Finance and the 3rd party Customer.
 
In review of our records, we
confirmed that Ms. [redacted] signed a retail installment contract on 04/11/12, for
a 2012 Jeep Wrangler. According to the contract, she agreed to make monthly
payments of $505.59, beginning 05/26/12, for 72 months. Section 2b of the contract states "You
agree not to remove the vehicle from the U.S. or to sell, rent, lease, or
transfer any interest in the vehicle without our written permission." Our records do not indicate that we provided
written permission to give her vehicle to a third party. On 03/03/14, Ms.
[redacted]'s vehicle was repossessed, and a Notice after Repossession or Voluntary
Surrender was mailed to her. The vehicle was sold at auction, and a deficiency
notice was mailed to her on 04/11/14. We are unable to locate any payments made
after the payment received on 10/25/12. The current balance is $17,257.89,
which continues to accrue interest at a daily rate of 8.54%. To discuss payment
arrangements for the balance, Ms. [redacted] may contact our Internal Recovery
department directly, at (866) [redacted]. I have included a copy of the contract,
payment history, Notice after Repossession or Voluntary Surrender, and
deficiency notice for your records.
 
Additionally, 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]'s request to remove
the charge off from her credit report. Further, the credit reporting agencies
will determine if, when, and how aging data on Ms. [redacted]'s credit report is
eventually removed or purged. The payment history may still be reported by the
credit reporting agencies for a time period determined by the credit reporting
agencies.
 
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 ResolutionP.O. Box [redacted], MI 48333 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 Mr. [redacted]’s account. Thank you for bringing this matter
to our attention.
 
In Mr. [redacted]’s letter he stated that his vehicle was totaled
by a drunk driver and that we are charging him $2,700.00 in interest, even
though his insurance company has paid the principal balance. In November, he
received a statement stating that his next payment wasn’t due until the year
2023 and contacted Customer Service to confirm it was accurate. The agent
advised that the account would remain current, and the balance would need to be
paid before the maturity date; however, he received a bill in December stating
that he was more than two months past due.
 
In review of the account, I
confirmed that Mr. [redacted] signed a retail installment contract on 04/28/17 for a
2014 Lincoln MKZ. According to this contract, he agreed to make payments in the
amount of $435.26, beginning 06/12/17, for 72 months.  On 10/18/17, we
were notified that the vehicle was deemed a total loss, with a date of loss of
09/23/17. A Letter of Guarantee was faxed to [redacted] Insurance on 10/23/17, in the
amount of $21,101.36, which was good for 30 days. We received the payment of
$21,101.36 on 11/01/17 from the insurance company and applied it towards the principal
balance; however, a remaining balance was left due in the amount of $2,887.57. Mr. [redacted] spoke with our Deficiency Department
and made an agreement to make payments in the amount of $150.00, every 30 days,
until the balance is satisfied in full. Due to miscommunication, we have
removed the charge off on Mr. [redacted]’s credit report. This information was
communicated to the three major credit reporting agencies on 02/13/18. Please
accept this AUD control number [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 his
credit report.  There is currently a balance
in the amount of $3,232.54 which continues to accrue interest at a daily rate
of 7.60%.  Should he have any further
questions he will need to contact our Deficiency Department, at (866) [redacted],
Monday through Friday 8:00AM to 6:00PM EST.
 
On behalf of TD Auto Finance, I
sincerely apologize for any inconvenience this matter may have caused Mr.
[redacted]. Providing Legendary Customer Service is our top priority. Please be
assured that Mr. [redacted]'s experience has been shared with the appropriate
management team. 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)[redacted], extension [redacted].
 
 
                                        ...⇄ />            Sincerely,
 
 
 
                                        ...⇄ [redacted]
                            Problem Resolution Services

TD Auto FinanceAttn: Customer ResolutionP. O. Box [redacted], MI 48333 January 30, 2018
 
Cindy Rigdon
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 [redacted]'s account. Thank you for
bringing this matter to our attention.
 
In the letter, Mr. [redacted] stated
that TD Auto Finance removed his account from automatic payment with
communicating with him, which resulted in him missing a payment and having a
negative drop of his credit score. His payments have always been on time with
no problems. He contacted our Customer Service department; however, they were
inefficient, rude, and did not offer any solutions to the problem. His request
is for the negative credit reporting to be removed from the credit bureaus.
 
In
review of our records, I confirmed Mr. [redacted] signed a retail installment
contract on 11/13/14, for a 2013 Ram Ram 1500. According to the contract, he
agreed to make monthly payments of $327.80, beginning 12/13/14, for 72
payments. I confirmed that Mr. [redacted] enrolled in automatic payments on
12/01/14. On 09/07/17, he contacted us and requested a 2 month deferment, as he
was personally affected by Hurricane Harvey. We granted this request on
09/28/17, deferring the 09/13/17 and 10/13/17 payments, and mailed him
confirmation that his next payment was due on 11/13/17. Additionally, at Mr.
[redacted]'s request, we canceled his automatic payments on 09/07/17 to ensure
that his automatic payments would not continue during the deferment period. We
mailed billing statements to the address on file on the following dates:
10/25/17, 11/24/17, and 12/25/17. We attempted to contact Mr. [redacted] numerous
times, beginning on 12/05/17, because the 11/13/17 payment was not received..
Due to non-payment, we mailed a 31 Day Past Due Collection notice on 12/15/17,
and received a return call from him on 01/05/18. During this conversation, we
advised Mr. [redacted] that he needed to re-enroll in automatic payments after
payment was made to bring the account current. After this conversation, a
payment of $688.38 was processed on our website on 01/08/18, which satisfied
his 11/13/17 and 12/13/17 payments, and processed a payment of $327.80 on
01/16/18, which satisfied his 01/13/18 payment. I have included a copy of his
contract, payment history, billing statements, automatic payment cancellation
letter, and 31 Day Past Due Notice for your records. I have also included 2
copies of our Automatic Payment Authorization Agreement so Mr. [redacted] can
re-enroll in automatic payments.
I
had the pleasure of speaking to Mr. [redacted] on 01/25/18, and during this
conversation, I confirmed that the automatic payments were cancelled at his
request. He confirmed his address, as [redacted] Lane [redacted], TX
77584, but stated that he received no written communication. I confirmed that
we advised him that he would need to re-enroll in automatic payments on our
website, but he stated that he is unable to. 
 
TD
Auto Finance is required to report account history accurately, as it has
transpired, to the credit reporting agencies; however, to reach an amicable
resolution, we have agreed to waive the 11/2017 credit mark that was assessed
on the account. This information was communicated on 01/26/18 to the three
major credit reporting agencies. Please accept this AUD control number [redacted] as confirmation that this update was sent to the credit reporting agencies, and
please allow 30-60 days for the information to be updated on the credit report.
 
On
behalf of TD Auto Finance, I sincerely apologize for any inconvenience this
matter may have caused Mr. [redacted]. Providing Legendary Customer Service is our
top priority. Should you wish to discuss this matter further, please contact me
directly at (866)[redacted], extension [redacted].
 
 
                                        ...⇄ />                           Sincerely,
 
 
 
                                        ...⇄                 Kayde
L[redacted]
   Problem Resolution Services

TD Auto Finance
Attn: Customer Resolution
PO Box [redacted]
[redacted], MI 48333
April 24, 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 [redacted]'s letter regarding [redacted]'s account. Thank
you for bringing this matter to our attention.
 
In Mr. [redacted]'s letter, he
indicated that on or about the week of December 19, 2016, a seizing agent for
TD Auto Finance convinced [redacted]'s mother to voluntarily surrender
his 2014 Jaguar without his authorization. Mr. [redacted] also stated that
Mr. [redacted]'s mother advised the seizing agent that Mr. [redacted] was unavailable
and exhibiting severe mental illness at the time. Mr. [redacted] also
requested that TD Auto Finance cease attempting to collect the deficiency
balance on the account and provide an explanation to credit bureaus in order to
avoid an adverse effect on [redacted]'s credit report.
 
Please be advised, TD Auto Finance
has suspended all collection activity on Mr. [redacted]'s account.  In addition, because the allegations in Mr.
[redacted]'s letter are primarily related to the actions of the agent that
interacted with Mr. [redacted]'s mother, we are in the process of obtaining
additional information from that agent's employer. We expect to have that
information within the next five business days and will provide a complete
response to your letter at that time.
 
Should you wish to discuss this
matter further before then, please contact TD Auto Finance Senior Counsel Jim
A[redacted] at ([redacted]) [redacted], or you can contact me at (866)[redacted], extension [redacted].
 
 
Sincerely,
 
 
 
Jessica
L[redacted]
Problem
Resolution Services

TD Auto Finance
Attn: Customer Resolution
PO Box [redacted], MI 48333
[redacted]
April 12, 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 vehicle was towed by [redacted] Towing and Recovery, Inc., on 02/25/17, after TD Auto Finance issued a repossession order for missing payments. She stated that her vehicle was towed with her possessions still inside, and her husband was advised when her husband attempted to get their possessions out of the vehicle they were advised to contact the main office to make arrangements to pick up her possessions. Ms. [redacted] contacted the towing company, but she was advised that they are unable to provide information about her car or possessions until the balance is satisfied with TD Auto Finance. She called and spoke to a TD Auto Finance agent who provided the balance of the vehicle, and she believed that her property would be safe until she could make the payment and get the vehicle back. Ms. [redacted] made the payment on 03/25/17, and we provided her the information on where to pick up the vehicle, valuables, and plates. When Ms. [redacted] went to the DMV, they advised her that her plates were never returned, and [redacted] Towing should still have them. She obtained the tags from [redacted] Towing, but when she picked up the vehicle at the auction site, everything was missing from her car. Ms. [redacted] went back to the towing company who advised her that either her belongings were in a garbage bag or they were discarded. She attempted to search through the bags, but was unable to locate any of her possessions. Ms. [redacted] stated that TD Auto Finance is just as liable because we mislead her by not letting her pick up her valuables and keep sending her in the wrong direction. Ms. [redacted] stated that she reserves all her legal rights against TD Auto Finance and [redacted] Towing, and she is informing her lawyer, Mr. [redacted].
In review of our records, Ms. [redacted] signed a retail installment contract on 09/27/12, for a 2013 Mitsubishi Outlander. According to the contract, she agreed to make monthly payments of $475.98, beginning 11/11/12, for 72 payments. Our records indicate that payments were received after the due date, and we mailed 31 Day Past Due Collection Notices on 04/14/15, 12/15/15, 04/12/16, 07/13/16, and 10/13/16. Due to the non-payment the vehicle was repossessed on 02/25/17, and we mailed a Notice after Repossession to Ms. [redacted] on 02/28/17, which stated that the vehicle will be offered for sale beginning 03/27/17. The vehicle was redeemed on 03/27/17, and we received the signed Release of Post-Repossession Property on 04/06/17 stating that she is missing papers, clothes, and a cross.
Section 3d of Ms. [redacted]' contract states "If any personal items are in the vehicle, we may store them for you at your expense. If you do not ask for these items back, we may dispose of them as the law allows." The repossession vendor is only required to hold personal items for 30 days from the date of repossession. Additionally, we have confirmed that there is an open claim with our vendor, [redacted], who contracted [redacted] Towing to repossess the vehicle, and they are currently investigating her claim; however, this may take a few weeks, and Ms. [redacted] can contact [redacted] directly, at ([redacted]) [redacted], for additional questions during this time.
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 (866)[redacted], extension [redacted].
Sincerely,
Jessica L[redacted]
Problem Resolution Services

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.I appreciate the fast and professional attention the issue got after they were made aware of the problem.  
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

TD Auto Finance
Attn: Customer Resolution
PO Box [redacted], MI 48333
[redacted]December 13, 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 Mr. [redacted]'s
account. Thank you for bringing this matter to our attention.
 
Mr. [redacted] stated that
he financed a vehicle with TD Auto Finance that was set up on automatic
payments, and he didn't have any issues until the final payment. Mr. [redacted]
didn't receive written or verbal communication regarding his final payment, and
his account was reported 60 days late to the credit reporting agencies. Mr.
[redacted] stated that he contacted our Customer Service department who advised him
that we would fix it as he was never late prior; however, he received a letter
in the mail stating that we would not change anything. Mr. [redacted] requested
that we remove the credit mark from his credit report.
 
In review of the
account, I confirmed that [redacted] signed a retail installment contract on
09/24/12, for a 2008 GMC Yukon. According to the contract, he agreed to make
monthly payments of $458.66, beginning 10/23/12, for 60 payments. Our records
indicate that Mr. [redacted] enrolled in our Automatic Payment program on 10/24/12.
Per the Automatic Payment Authorization Agreement, "I understand and agree
that the final scheduled payment may not be made automatically and that I may
be required to make the final scheduled payment based on a separate bill. I
understand that if I receive a separate bill for the last payment due and for
any other charges or fees that I am responsible for making any such
payment." The final statement was mailed to the Mr. [redacted]'s address on file
on 09/04/17; however, after our conversation with Mr. [redacted] on 11/16/17, he
advised us that he had not lived at that address for 4 years. The final payment
for $462.24 was satisfied on 11/30/17, and the closing documents were mailed to
Mr. [redacted]'s updated address on 12/07/17.
 
Please
be advised that TD Auto Finance has waived the 60 day credit mark that was
assessed on Mr. [redacted]'s account. This information was communicated on 12/11/17
to the three major credit reporting agencies. Please accept this AUD control
number [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 his credit report.
 
On behalf of TD Auto Finance, I
sincerely apologize for any difficulties this may have caused. 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], MI 48333
March 29, 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 Mr. [redacted]'s account. Thank you for bringing this matter to our attention.
Mr. [redacted] stated he purchased a van from [redacted] Dodge under duress by the salesman who would not give the keys back to his vehicle that they used to drive there. He made payments up until 2008 when the economy slowed. Mr. [redacted] stated that he filed Chapter 13 Bankruptcy, and voluntarily surrendered the vehicle to a Dodge dealer in Missouri. Chrysler Financial turned over the account to [redacted] LLC for collection. They sent Mr. [redacted] documents showing that the vehicle was sold at auction for $4,500, which left a balance of $12,000. We filed garnishment on his wages, and received over $14,000, but the balance is still more than $25,000 due to interest. Garnishing Mr. [redacted]'s wages has caused a financial hardship on his family. Mr. [redacted] attempted to settle with us, but we still wanted over $12,000. He requested that the garnishment be stopped, and we release the lien from his home.
On behalf of TD Auto Finance, we sincerely apologize for the difficulties Mr. [redacted] has experienced. Please understand that we do not condone unprofessional or insensitive treatment. TD Auto Finance is an indirect lender that purchases already executed contracts from authorized dealerships. We are unable to comment on discussions that take place at the dealership. A review of our records shows that Mr. [redacted] has filed complaints through several agencies regarding this topic. Please understand that our position remains the same. The account has been under an active judgment since 11/03/08, and we confirmed he did not make any payments to [redacted] PC until 08/04/11, when they successfully garnished his wages. Mr. [redacted] is correct that he has made payments, totaling $14,527.10 since 2011, and post judgment interest totals $22,786.88. As of 03/24/17, Mr. [redacted] still owes $25,825.00 because the garnishment amounts have not exceeded the accruing interest. To discuss payment arrangements, Mr. [redacted] will need to contact [redacted], PC directly, at (816) [redacted]. I have included a copy of the previous responses and a contract copy for his records.
Should you wish to discuss this matter further, please contact me directly at (866)[redacted], extension [redacted].
Sincerely,
Jessica L[redacted]
Problem Resolution Services

Signed documentThanks,[redacted]

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

I'm writing to you in response to TD Auto Finance's response to my complaint. Revdex.com case #[redacted]. I'm not exactly sure how to respond other than by emailing you. There are numerous falsities in TD Auto Finance's documents I must point out. It appears to me that TD Auto Finance is dissuading the...

issues in my complaint or it's just another careless mistake on their part. In regards to the following.... The "Notice after Repossession or Voluntary Surrender". The notice is dated April 19th, 2017 which is one day AFTER I paid my loan off. Why would that even be generated AFTER my loan was paid off? Clearly a mistake by TD Auto Finance. The "Paid in Full" letter (which I haven't seen until viewing the documents today even though I requested it numerous times) is dated July 6th, 2017 and does indeed reflect the correct pay off date of April 18th, 2017. The "Signed Response" from Ms. Kayla C[redacted]. Ms. C[redacted] states the vehicle was paid in full and redeemed on April 7th, 2017 which is simply NOT true. The "Paid in Full" letter confirms the correct pay off date of April 18th, 2017. A payment of $2,501.44 was made on April 7th, 2017 which caught up my loan but it was NOT paid off until eleven days later. Therefore the comment made on my credit report is NOT valid. When I called TD Auto Finance on July 5th, 2017 I explained this to the representative. I did NOT request it to be removed because of the delay in receiving my title. The discussion regarding my title was a separate topic during the same phone call. Expectedly Ms. C[redacted] didn't address the reason for the delay of my title (which was another main concern). My title was delayed due to TD Auto Finance sending it to [redacted] Auto Auction in error AFTER I paid my loan off instead of sending it to me. Omar at TD Auto Finance told me the title department was attempting to get it back from [redacted] Auto Auction so it could be sent to me. Because of the huge delay due to TD Auto Finance sending my title where it should have never been sent, I suggested voiding the original title and having a duplicate sent to me but he said that would take longer. After another week had passed I still hadn't received my title so I decided to call [redacted] Auto Auction myself. The representative told me that she had absolutely no contact from TD Auto Finance, neither written nor verbal (I believe her). She also stated that she could clearly see it was sent to her by mistake so she was going to contact TD Auto Finance herself. I then contacted TD Auto yet again to relay the information given to me by [redacted] Auto Auction. After another week I contacted TD Auto Finance to see if they had received it back so it could be sent to me and was told they had just received it. I provided them with a physical address where it could be sent since it was being sent UPS second day air due to their mistake and couldn't be delivered to a post office box. A couple days later I still didn't have my title. I called TD Auto Finance and again spoke to Omar and he stated that it was incorrectly sent to a wrong address a second time but he was going attempt to contact UPS to give them the correct address. Immediately after hanging up with Omar I received a call from UPS verifying the correct address for delivery since they had apparently gotten so many address changes from TD Auto Finance. Needless to say my title was delivered to the incorrect address but fortunately I was at that address at the time UPS delivered it. The compensation requested was for my time and frustration trying to correct the mistake caused by TD Auto Finance sending my title to someone other than myself AFTER I paid off my loan. The compensation has NOTHING to do with the inaccuracy TD Auto finance added to my credit report as that is a separate issue as stated above. It's been a viscous circle with them. TD Auto Finance does not take ownership of their mistakes nor do they recognize them even when the mistakes are spelled out to them. Never once did I ask them to conceal account activity!!! As for the "late" payment history Ms. C[redacted] spoke of in her "signed response" (not that it even applies to this case but I will respond), unfortunately I have cancer which requires treatment so I was late at times, however, I always contacted TD Auto Finance. In 2016 I requested a due date change to help me because the double late charges, yes, double late charges I received were very costly and didn't help my situation. I was told every month that the representatives could see my request and it would be changed but the late charges continued to be added. Approximately 6 months later my due date was finally changed and only two late charges were credited back to me. That error on TD Auto Finance's part is no longer a concern of mine which is why I didn't mention it in my original complaint but it did show me the comprehension, thoroughness and work ethic of TD Auto Finance is lacking. Again, the payment history is NOT the issue in my complaint. I did attempt to contact Ms. C[redacted] today to discuss the inaccuracies in her response but like always when asking for a particular representative at TD Auto Finance, she wasn't available and other representatives aren't able to assist. As confirmed in the response from Ms. C[redacted], TD Auto Finance employees don't check themselves for errors which affects none other than the consumer. I will not contact them again as that was my final attempt. I stand by what I stated in my original dispute, I will never recommend TD Auto Finance to anyone under any circumstances. TD Auto Finance is an extremely difficult company to work with considering employees do not give thorough, precise, accurate or consistent information as proven in Ms. C[redacted]'s response. TD Auto Finance should realize that without consumers their company would no longer exist therefore thoroughly listening to consumer concerns and thorough employee training is highly suggested. Please let me know if additional items are needed from me. Thank you so much for your time.

TD Auto FinanceAttn: Customer ResolutionPO Box [redacted], MI 48333  March 31, 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,
formerly [redacted] Financial, acknowledges receipt of your letter regarding Ms.
[redacted]'s account. Thank you for bringing this matter to our attention.
 
In Ms. [redacted]'s letter,
she stated that her auto loan with [redacted] Financial was executed in 03/2004,
and paid off to a zero balance in 12/2005; however, the account is still
reporting to her credit bureaus as an open and active account. She requested
that the trade line be deleted from the credit report, and a cease and desist
be made on all reporting to the credit bureaus, as there is no legal reason for
the account to be reported continuously because it is 12 years old.
 
In review of our
records, Ms. [redacted] entered into a Motor Vehicle Lease Agreement with TD Auto
Finance on 03/01/04, for a 2004 Jeep Cherokee. According to the contract, she
agreed to make monthly payments of $533.00, beginning 03/01/04, for 39
payments. A review of the payment history shows that several of the payments
were made after the due date. On 12/05/05, we received the payoff from [redacted]
Honda, indicating that she terminated her lease early, and we mailed Ms. [redacted]
a Lease End statement on 12/06/05. The account was reported to the credit
bureaus as status 13: paid or closed account/zero balance. We received Ms.
[redacted]'s credit dispute on 01/30/17, which we responded to on 02/27/17,
confirming that we are reporting the account history accurately. I have
included a copy of the contract, lease end statement, payment history, one and
the same letter, and credit dispute letter for her records.
 
We had the pleasure of
speaking to Ms. [redacted] on 03/23/17. During this conversation, we advised that TD
Auto Finance is reporting the account as status 13: paid or closed/zero
balance, and we are unable to remove the trade line as we are required by the
Fair Credit Reporting Act to report the account history accurately as it has
transpired. Additionally, we are unable to determine when the trade line would
no longer reflect on the credit report, as this is determined by the credit
reporting agencies. We also faxed Ms. [redacted] a copy of the requested lease end
statement. We confirmed that we have thoroughly reviewed Ms. [redacted]'s concerns,
and we are unable to remove the trade line.
 
Should you wish to discuss this
matter further, please contact me directly at (866)[redacted], extension [redacted].
Sincerely,
 
 
                                        ...⇄
Jessica
L[redacted]Problem
Resolution Services

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

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