Product: Vehicle loan or lease

I am filing this formal complaint against TD Auto Finance regarding their unlawful and deceptive loan servicing practices on my auto loan. The company has engaged in multiple violations, including unauthorized alterations to my loan terms, misapplication and disappearance of refunds, misleading billing statements, and fraudulent late fees. These practices have caused me severe financial hardship, undue stress, and damage to my credit standing.

Issue s with TD Auto Finance : Unauthorized Alteration of Principal Payments ( PRI ) My simple interest loan contract does not permit unilateral changes to principal payments. TD Auto Finance backdated and altered my principal applications without notice, violating Truth in Lending Act ( TILA ) protections.

They refuse to provide clear documentation of why these changes were made.

Improper Handling & Disappearance of Refunds from Canceled Service Contracts I canceled service contracts in XX/XX/XXXX ], and a refund of {$4800.00} was issued by XXXX  ( the XXXX XXXX XXXX ) then the refund was sent in XXXX XXXX to XXXX XXXX XXXX ( dealership ) and XXXX finally sent at the beginning of XXXX to TD Auto Finance, who received it on XX/XX/XXXX, and TD initially applied XXXX entire amount of refund, to my loan payments. the same day. XX/XX/XXXX per XXXX statement TD Auto Finance later removed the refund, after XX/XX/XXXX and altered its application, and provided no disclosure of this action. 
I requested an audit and found that they manipulated my payment history, fraudulently applying or returning my refund to no one because it belonged to me. The service options are a part of the financed amount TD paid to the XXXX dealership for my loan. and applied to nowhere and backdated XXXX of my service options to the date of sale XXXX weeks before I canceled the options and requested the refund. The amount of refund is missing and false It now reads on summary XXXX missing XXXX the exact amount for XXXX payment of XXXX XXXX fee Where is my money??? who did they return it to? why does my payoff amount fluctuate from XXXX statement to the next. And all of this account manipulation happened without disclosure to me and without my consent. 
Deceptive Billing Statements & Fraudulent Late Fees I received a statement end of XXXX for the XXXX bill showing {$0.00} due, but XXXX XXXX later claimed no payment had been made, charging me late fees and falsely reporting missed payments. 
This violates Fair Credit Billing Act ( FCBA ) protections, and they refuse to correct their errors. 
Unlawful Credit Reporting & Financial Harm by claiming behind on XXXX payments over XXXX due immediately. 


Due to TD Auto Finances misconduct, my credit has been damaged with false reports of missed payments. 
Their mismanagement of my loan directly violates Fair Credit Reporting Act ( FCRA ) regulations. 
I demand an immediate correction to my credit report and removal of all derogatory marks caused by their deceptive practices. 
Threat of Repossession Based on Fraudulent Accounting TD Auto Finance has threatened to repossess my vehicle despite their own accounting errors. And failure to follow the only policy disclosed about overpayments. 
I have formally disputed my account, and they must not proceed with repossession until the dispute is resolved. 
Immediate Repossession Hold Request Given the ongoing dispute regarding my account balance and refund mismanagement, I am formally requesting that you advise TD Auto Finance to immediately halt all repossession actions until this dispute is fully investigated and resolved. Attempting to repossess my vehicle under fraudulent and deceptive circumstances will result in further legal action.