Pleasant Valley Mobile Home Park Community

TD Auto Finance Attn: Customer Resolution PO Box [redacted] ***, MI 248- [redacted] July 21, [redacted] Revdex.com of Upstate South Carolina North Church St, Suite C Greenville, SC 29601- Re: Revdex.com Case# [redacted] Dear [redacted] , TD Auto Finance acknowledges receipt of your letter regarding Ms [redacted] 's accountThank you for bringing this matter to our attention We received a notification stating that the Customer was not satisfied with our previous responseIn the rebuttal, Ms [redacted] stated that there are many falsities in our responseShe 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 dateMs [redacted] stated that she made a payment of $2,on 04/07/17, which caught up her loan but it was not paid off until 04/18/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 callMs [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 offShe 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 addressIt wasn't until she spoke to UPS that she was able to receive her titleMs [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/On 04/07/17, the vehicle was redeemed, and on 04/18/the account was paid in fullUnfortunately, the title was released to the auction and when the title was returned it was sent to Ms [redacted] 's P.OBoxAt Ms [redacted] 's request, UPS was able to redirect the title to her physical addressI have included a copy of the Notice After Repossession and Paid in Full letter for your reviewUnfortunately, 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 responseProviding Legendary Customer Service is our top priorityWe certainly appreciate Ms [redacted] taking the time to bring her 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 Ms [redacted] 's experience has been shared with the appropriate management team Please understand that our position regarding credit reporting remains the sameWe 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 reportShould you wish to discuss this matter further, please contact me directly at (866) [redacted] , extension *** Sincerely, Jessica L [redacted] Problem Resolution Services

March 20, [redacted] Ct [redacted] , CO 80918- Re: Revdex.com Case# [redacted] Dear [redacted] , TD Auto Finance acknowledges receipt of your complaint regarding your accountThank you for bringing this matter to our attention In your complaint, you stated that you were unaware that that your TD Auto Finance account had an outstanding balance until you checked your credit bureau report and that you spent over months resolving the matter with TD Auto Finance You further stated that TD Auto Finance did not send correct information to your GAP insurance carrier and that agents stated that they did not know how to apply insurance proceeds when they were receivedYou stated that, among other things, that you were required to wait on the phone for long periods and agents were rude and hung up on youYou requested that we remove the negative credit reporting, and apologize for the rudeness of employees, long wait times, and the mishandling of your account In review of the account, I confirmed that you signed a retail installment contract on 09/14/for a Ford FocusAccording to this contract, you agreed to make payments in the amount of $284.66, beginning 10/14/for months On 1/30/17, [redacted] Insurance notified us that your vehicle was deemed a total loss as of 12/28/We received the payment from [redacted] Insurance in the amount of $7,on 06/02/and the payment from [redacted] [redacted] Surety in the amount of $1,on 02/21/ Both payments from [redacted] and [redacted] were backdated to the date of loss As a result, there is no longer a balance due and all credit marks were reversed as of 02/26/Please allow to days for your credit report to reflect these changesAdditionally, there is an overage amount, due to the cancellation of your service contract that is scheduled to be refunded to you within days from 03/12/18, in the amount of $ On behalf of TD Auto Finance, we apologize for any negative experience you had with our companyProviding Legendary Customer Service is our first priority We certainly appreciate you taking the time to bring your 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 your experience has been shared with the appropriate management teamPlease understand that your experience has been shared with the appropriate management teamShould you wish to discuss this matter further, please contact me directly at (866) [redacted] , extension *** Sincerely, Omar S [redacted] | Auto Finance – Resource Officer | US Phone Channel TD Bank, America's Most Convenient Bank

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

TD Auto Finance Attn: Customer Resolution PO Box [redacted] ***, MI [redacted] April 12, [redacted] Revdex.com of Upstate South Carolina North Church St, Suite C Greenville, SC 29601- Re: Revdex.com Case# [redacted] Dear [redacted] , TD Auto Finance acknowledges receipt of your letter regarding [redacted] ' accountThank 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 paymentsShe 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 possessionsMs [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 FinanceShe 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 backMs [redacted] made the payment on 03/25/17, and we provided her the information on where to pick up the vehicle, valuables, and platesWhen Ms [redacted] went to the DMV, they advised her that her plates were never returned, and [redacted] Towing should still have themShe obtained the tags from [redacted] Towing, but when she picked up the vehicle at the auction site, everything was missing from her carMs [redacted] went back to the towing company who advised her that either her belongings were in a garbage bag or they were discardedShe attempted to search through the bags, but was unable to locate any of her possessionsMs [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 directionMs [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 Mitsubishi OutlanderAccording to the contract, she agreed to make monthly payments of $475.98, beginning 11/11/12, for paymentsOur records indicate that payments were received after the due date, and we mailed Day Past Due Collection Notices on 04/14/15, 12/15/15, 04/12/16, 07/13/16, and 10/13/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/The vehicle was redeemed on 03/27/17, and we received the signed Release of Post-Repossession Property on 04/06/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 expenseIf 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 days from the date of repossessionAdditionally, we have confirmed that there is an open claim with our vendor, ***, 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] , 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 priorityShould you wish to discuss this matter further, please contact me directly at (866) [redacted] , extension *** Sincerely, Jessica L [redacted] Problem Resolution Services

Please see attachedI have been trying to communicate with TD Auto finance but they are telling me the information is accurate and it is notI 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 us with partial balance, at this point they will not persue collection and this should be removed

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 years received my title, the facts they have presented are totally not true.For one, when I sent the amount they requested in October 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 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 but still had the same telephone number.For an entity that takes 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 FinanceAttn: Customer Resolution [redacted] *** September 01, [redacted] Revdex.com of Upstate South Carolina North Church St, Suite C Greenville, SC 29601- [redacted] Dear [redacted] TD Auto Finance acknowledges receipt of your letter regarding your accountThank 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 memberWe allowed you to extend your contract by a month, but we never received the signature form and we repossessed your vehicleOne 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 doYou had to pay the past due balance in full, $in repossession fees, and $in storage fees because of a mistake from TDYou stated that on 06/13/you paid the balance, repossession fees, and storage fees, and it took until 08/11/for the document to be imaged to the accountYou 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 [redacted] According to the contract, you agreed to make monthly payments of $499.72, beginning 07/05/12, for paymentsOur records indicate that the payments were received past the due date and we mailed a Day Past due Collection Letter to you on 09/08/14, 12/09/14, and 03/07/We also mailed a Right to Cure and Intention to Repossess letter to you on 09/11/14, 12/11/14, and 05/13/before the vehicle was repossessed on 07/16/We mailed a Notice After Repossession letter on 07/17/15, and you redeemed the vehicle on 07/27/Your account fell behind again and we mailed Day Past due Collection Letters on 09/09/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/You were granted a one month extension on 04/02/16; however, the vehicle was repossessed on 06/12/because the extension was not processed until 08/19/I have included a contact copy, copies of the 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 $Please note that your next payment is due 10/05/in the amount of $The removal of the repossession was communicated on 08/31/to the three major credit reporting agenciesPlease accept this [redacted] as confirmation that this update was sent to the credit reporting agenciesPlease allow 30-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 companyShould you wish to discuss this matter further, please contact me directly at [redacted] Sincerely, [redacted] Problem Resolution Services

TD Auto FinanceAttn: Customer ResolutionP.OBox [redacted] ***, MI Cindy R [redacted] RevDex.com of Upstate South Carolina North Church St, Suite C Greenville, SC 29601- Re: Revdex.com Case# [redacted] Dear Cindy R***, TD Auto Finance acknowledges receipt of your letter regarding Mr***’s accountThank you for bringing this matter to our attention In Mr***’s letter he stated that his vehicle was totaled by a drunk driver and that we are charging him $2,in interest, even though his insurance company has paid the principal balanceIn November, he received a statement stating that his next payment wasn’t due until the year and contacted Customer Service to confirm it was accurateThe 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/for a Lincoln MKZAccording to this contract, he agreed to make payments in the amount of $435.26, beginning 06/12/17, for months On 10/18/17, we were notified that the vehicle was deemed a total loss, with a date of loss of 09/23/A Letter of Guarantee was faxed to *** Insurance on 10/23/17, in the amount of $21,101.36, which was good for daysWe received the payment of $21,on 11/01/from the insurance company and applied it towards the principal balance; however, a remaining balance was left due in the amount of $2,Mr [redacted] spoke with our Deficiency Department and made an agreement to make payments in the amount of $150.00, every days, until the balance is satisfied in fullDue to miscommunication, we have removed the charge off on Mr***’s credit reportThis information was communicated to the three major credit reporting agencies on 02/13/Please accept this AUD control number [redacted] 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 There is currently a balance in the amount of $3,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 ***Providing Legendary Customer Service is our top priorityPlease be assured that Mr***'s experience has been shared with the appropriate management teamOnly through this type of input are we able to identify areas within our operation that may need to be reviewed and improvedShould you wish to discuss this matter further, please contact me directly at (866) [redacted] , extension *** Sincerely, [redacted] Problem Resolution Services

January 06, [redacted] RevDex.com of Upstate South Carolina North Church St, Suite C Greenville, SC 29601- Re: Revdex.com Case# [redacted] Dear [redacted] , TD Auto Finance acknowledges receipt of your letter regarding Mr [redacted] 's accountThank you for bringing this matter to our attention Ms [redacted] stated that she was involved in an automobile accident on 10/24/16, which totaled her Chevy Her insurance company, [redacted] , issued a check on 10/28/for $19, to TD Auto Finance; however, we continued to debit her account each month for the $The Customer Service agents that she has spoken with were rude and unhelpful, and they claimed that we have no record of any check being received [redacted] reissued a check on 12/12/16, and it was signed for on 12/13/by TD Auto FinanceWhen she called on 12/22/to confirm the receipt of the check, she was advised that we didn't receive it; however, she has delivery confirmation from the payment received on 12/13/She requested a secure way to receive the check from [redacted] , as well as to issue a refund check to her Ms [redacted] signed a retail installment contract on 07/29/16, for a Chevrolet TraxAccording to the contract, she agreed to make monthly payments of $455.80, beginning 08/28/16, for paymentsSection 2a of the contract states "You agree to pay us all you owe under this contract even if the vehicle is damage, destroyed, or missing." Our records indicate that Ms [redacted] enrolled in our automatic payment program as of 08/22/16, and payments after this date automatically processed for her accountWe were notified that the vehicle was a total loss on 10/28/16, and we faxed the Letter of Guarantee to [redacted] on 11/14/During this time, the 11/28/payment was automatically deducted because we did not receive the payment from [redacted] Please be advised that the automatic payment was cancelled as of 12/19/ Additionally, we processed the insurance proceeds of $19,346.80, on 01/04/17; however, we have backdated the payment to 12/13/to coincide with the date that the check was received, which created an overage of $that consisted of the additional funds from Ms [redacted] 's monthly paymentsTD Auto Finance will issue a refund check to Ms [redacted] , and all overages are refunded within days of account closing, which was 01/04/Please note that the GAP insurance was cancelled on the account once the account was paid in fullMs [redacted] can reach out to [redacted] Chevrolet, at ( [redacted] , to confirm the status of her cancellations on her GAP insurance and service contracts for a possible refund On behalf of TD Auto Finance, I sincerely apologize for the inconvenience this may have caused Ms [redacted] Providing Legendary Customer Service is our top priorityShould you wish to discuss this matter further, please contact me directly at [redacted] , extension *** Sincerely, Kate L [redacted] Problem Resolution Services

TD Auto Finance Attn: Customer Resolution [redacted] July 1, Revdex.com of Greenville, Inc North Church Street, Suite C Greenville, SC [redacted] Department Re: Revdex.com [redacted] Dea [redacted] TD Auto Finance acknowledges receipt of Mr [redacted] concerns regarding his accountThank you for bringing this matter to our attention Mr [redacted] stated that he set up automatic payments with TD Auto Finance in November The paperwork did not make it on time for the 28th of that month, in NovemberWhen the payment was received the next month, he was one month behind on his payments [redacted] was unaware the account was one month behind, until he went to purchase a vehicle in March He was told that he was past due on his payments beginning November of After calling TD Auto Finance, and speaking with a supervisor, he was informed that when he signed up for automatic payments, we would no longer send written correspondence for anything, including being late on a paymentThis situation has caused [redacted] credit to become tarnished, and even after he thought the issue had been cleared up in March, his late charge back payments were applied incorrectlyThe amount paid to clear up the charges was applied to the principal balance, and did not clear up the late fees In review of the account, I confirmed that [redacted] signed a retail installment contract on 05/31/2013, for a [redacted] According to the contract, he agreed upon monthly payments of $259.46, beginning 06/30/2013, for paymentsOn 12/02/2013, he enrolled in automatic payments on [redacted] , at that time the payment of $was due on 11/30/When enrolling in automatic payments on our website, it states please allow up to business days to process the request, and will state the date the first automatic payment will be withdrawnIn [redacted] case, the first payment wouldn’t have been automatically withdrawn until 12/30/Since we did not receive the payment for 11/30/2013, his account fell one payment behindWe do not send paper bills once the account has been set up on automatic payments, as the customer’s bank statements serve as proof of paymentWe are not required to send written correspondence once the account falls past due; however, as a courtesy, we made multiple attempts to contact [redacted] starting in December [redacted] contacted us on 03/18/2016, and made a payment in the amount of $593.00, this payment was to cover the missing payment plus late fees to bring his account current I had the pleasure of speaking with [redacted] on 06/24/2016, and apologized for the negative experienceI let him know that the payment he made on 03/18/was not applied correctly so that the 03/30/automatic payment would pull; causing the account to fall one month behind [redacted] made another payment on 06/20/2016, to bring the account current, and pay late fees in the amount of $On behalf of TD Auto Finance, we sincerely apologize for the difficulties you have experiencedPlease be advised that an update was sent to the credit reporting agencies on 06/28/2016, to have the negative information from the April and May payments removed from [redacted] credit reportPlease accept this AUD control numbe [redacted] as confirmation that this was sent to the credit reporting agencies [redacted] will need to allow – days for the information to be updated on his credit reportWe have also waived $in late fees, and credited the amount towards his next monthly payment Should you wish to discuss this matter further, please contact me directly at [redacted] extension *** Sincerely, [redacted] Problem Resolution Services

TD Auto Finance Attn: Customer Resolution PO Box [redacted] ***, MI [redacted] December 06, Cindy Rigdon Revdex.com of Upstate South Carolina North Church St, Suite C Greenville, SC 29601- Re: Revdex.com Case# [redacted] Dear Cindy R***, TD Auto Finance acknowledges receipt of your letter regarding Ms [redacted] 's concernsThank you for bringing this matter to our attention We received notification that Ms [redacted] was not satisfied with our previous responseIn her letter, she stated that we only speak of the payment made by her in October for missed paymentsA third party made a payment to pay off the loan after thatShe 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 artistMs [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 Jeep WranglerAccording to the contract, she agreed to make monthly payments of $505.59, beginning 05/26/12, for monthsSection 2b of the contract states "You agree not to remove the vehicle from the U.Sor 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 partyOn 03/03/14, Ms [redacted] 's vehicle was repossessed, and a Notice after Repossession or Voluntary Surrender was mailed to herThe vehicle was sold at auction, and a deficiency notice was mailed to her on 04/11/We are unable to locate any payments made after the payment received on 10/25/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 agenciesWe cannot conceal account activity, and therefore, we cannot accommodate Ms [redacted] 's request to remove the charge off from her credit reportFurther, the credit reporting agencies will determine if, when, and how aging data on Ms [redacted] 's credit report is eventually removed or purgedThe 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 *** Sincerely, Jessica L [redacted] Problem Resolution Services

TD Auto Finance Attn: Customer Resolution PO Box [redacted] ***, MI www.tdautofinance.com April 12, Cindy R [redacted] RevDex.com of Upstate South Carolina North Church St, Suite C Greenville, SC 29601- Re: Revdex.com Case# [redacted] Dear Cindy R***, 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 laterMs [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 paymentsShe feels as though she should not owe any payments since the vehicle was totaled before her first due dateShe has provided all of the required documents to both TD Auto Finance and her insurance companyShe 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/for a Chevrolet CruzeAccording to this contract, she agreed to make payments in the amount of $390.44, beginning 02/12/18, for monthsAdditionally, 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 contractWe received notification that the vehicle was a total loss on 01/30/18, and the Letter of Guarantee was faxed on 01/31/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 owedWe advised Ms [redacted] that she is still responsible for the loan, and also confirmed that she purchased GAP with [redacted] *** InsuranceWe explained that she would need to contact them regarding processing the claimWe received the payment from [redacted] Insurance on, 04/10/in the amount of $18,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/If payment is not received by this date, collection activity may continue including the account being charged offFor 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 companyProviding Legendary Customer Service is our first priorityShould you wish to discuss this matter further, please contact me directly at (866) [redacted] , extension *** Sincerely, Nikita J [redacted] Problem Resolution Services

TD Auto Finance Attn: Customer Resolution PO Box [redacted] ***, MI March 29, [redacted] Revdex.com of Upstate South Carolina North Church St, Suite C Greenville, SC 29601- Re: Revdex.com Case# [redacted] Dear [redacted] TD Auto Finance acknowledges receipt of your letter regarding Mr [redacted] 's accountThank 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 thereHe made payments up until when the economy slowedMr [redacted] stated that he filed Chapter Bankruptcy, and voluntarily surrendered the vehicle to a Dodge dealer in MissouriChrysler Financial turned over the account to [redacted] LLC for collectionThey sent Mr [redacted] documents showing that the vehicle was sold at auction for $4,500, which left a balance of $12,We filed garnishment on his wages, and received over $14,000, but the balance is still more than $25,due to interestGarnishing Mr [redacted] 's wages has caused a financial hardship on his familyMr [redacted] attempted to settle with us, but we still wanted over $12,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 experiencedPlease understand that we do not condone unprofessional or insensitive treatmentTD Auto Finance is an indirect lender that purchases already executed contracts from authorized dealershipsWe are unable to comment on discussions that take place at the dealershipA review of our records shows that Mr [redacted] has filed complaints through several agencies regarding this topicPlease understand that our position remains the sameThe 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 wagesMr [redacted] is correct that he has made payments, totaling $14,since 2011, and post judgment interest totals $22,As of 03/24/17, Mr [redacted] still owes $25,because the garnishment amounts have not exceeded the accruing interestTo 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 *** 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 They only speak of a payment made by me in October For missed patentsThe third party made a payment and paid off the entire loan after thatI'm Not Surprised However That This Information Would Magically Disappear And That I, The Little Guy, Get Screwed In This MatterThe 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 HeardI'll Continue To Fight This And If I Have To I Will Get A Lawyer To Sue Both The Company And The Scam ArtistI'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 Finance Attn: Customer Resolution PO Box [redacted] ***, MI [redacted] December 13, Cindy R [redacted] Revdex.com of Upstate South Carolina North Church St, Suite C Greenville, SC 29601- Re: Revdex.com Case# [redacted] Dear Cindy R***, TD Auto Finance acknowledges receipt of your letter regarding Mr [redacted] 's accountThank 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 paymentMr [redacted] didn't receive written or verbal communication regarding his final payment, and his account was reported days late to the credit reporting agenciesMr [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 anythingMr [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 GMC YukonAccording to the contract, he agreed to make monthly payments of $458.66, beginning 10/23/12, for paymentsOur records indicate that Mr [redacted] enrolled in our Automatic Payment program on 10/24/ 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 billI 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 yearsThe final payment for $was satisfied on 11/30/17, and the closing documents were mailed to Mr [redacted] 's updated address on 12/07/ Please be advised that TD Auto Finance has waived the day credit mark that was assessed on Mr [redacted] 's accountThis information was communicated on 12/11/ to the three major credit reporting agenciesPlease accept this AUD control number [redacted] 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 difficulties this may have causedShould you wish to discuss this matter further, please contact me directly at (866) [redacted] , extension *** Sincerely, Jessica L [redacted] Problem Resolution Services

July 7, Revdex.com of Upstate South Carolina [redacted] North Church St, Suite C Greenville, SC 29601- Re: Revdex.com Case# [redacted] Dear [redacted] , TD Auto Finance, formerly Chrysler Financial, acknowledges receipt of your letter regarding Mrs***’s accountThank you for bringing this matter to our attention [redacted] stated that she purchased a Chrysler in 2006, which was originally financed with Chrysler FinancialDue to the loss of her job, she fell behind on payments in She returned the vehicle to the dealership in October 2009, and began receiving bills from TD Auto Finance, formerly known as Chrysler FinancialShe indicated that the account was closed and reported as a charge off, but still shows inaccuracies in the reporting of the paymentsHer husband’s, ( [redacted] ***), Equifax report shows the last payment reported in February 2010; however, they no longer had the vehicle at this timeShe has requested to have the errors fixed many times, but her requests have been refusedShe 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 Chrysler Four, with Co-signer [redacted] ***According to the contract, they agreed to make monthly payments of $593.82, beginning 04/30/06, for paymentsA 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/Due to non-payment, the vehicle was voluntarily surrendered to [redacted] ***, and repossessed by TD Auto Finance on 01/05/It was sold at auction on 02/04/for $8, 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/The remaining balance of $10,was charged off on 02/05/A 1099C form, for months with no payment, was mailed to the Customers on 02/26/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 offThe date of first delinquency that resulted in the charge off of the account was 08/30/We have investigated your dispute and, considering all the facts, we found that we are accurately reporting the account history to the credit bureausWe 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 requestPlease understand the credit reporting agencies will determine if, when, and how aging data on the Customer’s credit report is eventually removed or purgedTo confirm when the account will cease reporting, the Customer will need to contact the credit reporting agencies, Equifax, Experian, and TransUnion directlyI 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***Providing Legendary Customer Service is our top priorityShould she wish to discuss this matter further, please contact me directly at (866) [redacted] , extension *** Sincerely, [redacted] 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,
*** *** ***

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.
My account is still not cleared and I keep getting calls from TD Auto Finance because it states my account is delinquentI am at the 21st day of the that is given before the company reports my account to collectionsTD Auto Finance lost the first payoff check VW Claims sent and should be working with VW to get another check reissued but I have not heard any updates and do not see the check amount being applied. Please follow up with me.
Regards,
*** ***

TD Auto FinanceAttn: Customer ResolutionPO Box *** ***, MI 48333*** February 7,
*** ***
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 the letter, *** ***
stated that he purchased a vehicle in 2007, and financed it for years with
*** FinancialHe made payments to the account, but never received the
titleHe attempted to contact TD Auto Finance on numerous occasions, but was
advised that no such loan or vehicle existedAfter years, he spoke to
someone at TD Auto Finance who located his loan and advised that the title
would be sent, but he never received itIn October 2016, he spoke with another
agent and was advised that he owed a balance of approximately $300.00, though
he had not been told that beforeHe was advised that the title would be
released once his final payment clearedHis payment cleared in October 2016,
but he has still not received the title to the vehicleHe requested the title
be sent to him
I
had the pleasure of speaking to Mr*** on 02/01/During our
conversation, I confirmed that TD Auto Finance received his final payment, of
285.92, on 10/18/16, and the title was released to the address that TD Auto
Finance had on file, *** *** *** *** *** ***, IL 60044, on 10/24/He
stated that this was not his correct address, and he did not receive the title
I advised Mr*** we would search to confirm if the title was received back
in returned mail and if not, we will mail a lien release to his updated address
I followed up with Mr*** on 02/02/17, and confirmed that we did receive
his title back in returned mail, and on 02/02/17, we overnighted the title to
*** *** *** *** *** ***, IL 60044, via UPS tracking number
***, which confirmed delivery of the title on 02/03/
In
review of our records, *** *** entered into a retail installment contract
with *** Financial, on 07/12/07, for a Jeep Wrangler, with ***
*** as his cosignerAccording to the contract, they agreed to make monthly
payments of $318.18, beginning 08/27/07, for paymentsA review of the
payment history shows that several payments were received after the due dateThe
loan reached maturity, and the account was closed short on 08/03/10, with a
remaining balance of $Because there was a remaining balance on the
account, the title was not releasedThe title was not released due to the
remaining balance on the accountOn 12/22/10, TD Auto Finance, formerly
*** Financial, confirmed with Mr*** that the account had a remaining
balance due, which prevented the title from being releasedOn 08/07/12, Mrs
*** was advised that there was a shortage balance due to the account, which
prevented the title from being releasedLastly, on 10/11/16, Mr*** was
advised that the account had a remaining balance, which prevented the title
from being releasedPlease find a copy of the contract, payment history, and
one and the same letter attached for your records
On
behalf of TD Auto Finance, I sincerely apologize for any inconvenience this
matter may have caused Mr***Should you wish to discuss this matter
further, please contact me directly at (866)***, extension ***
Sincerely,
Juan
R***
Problem Resolution Services