Consumer complaint received 2018-06-15
Company: TCF NATIONAL BANK
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
DOC # 1, SHOWS THAT On FRIDAY XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX Sedan XXXX XXXX with XXXX actual miles from XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, Phone XXXX, Fax XXXX. The sale price was {$7900.00}. After adding the PROCESSING FEE {$590.00}, the STATE TITLE TAX {$350.00}, the TITLE REGISTRATION LIEN FEE TRANSFER {$52.00}, the DEALER 'S BUSINESS LICENSE TAX {$14.00}, On-Line Systems Filing Fee {$10.00}, SUB-TOTAL of {$9000.00}, less TOTAL DOWN PAYMENT {$3300.00}, BALANCE DUE/FINANCED {$5800.00}. DOC # 2, SHOWS that this vehicle was displaying an approved XXXX  STATE POLICE INSPECTION CERTIFICATION No. XXXX dated XX/XX/XXXX, with odometer reading of XXXX which indicates that from the date it had been inspected ( and PASSED INSPECTION ) to the date it was sold to me, it had been driven only XXXX miles. The XXXX report of this XXXX XXXX that was presented to me showed NO PROBLEMS whatsoever with this vehicle.I BOUGHT THIS CAR ON A " AS IS '' NO DEALER WARRANTY CONDITION. I took delivery of the car and as I had promised to the dealer, on MONDAY XX/XX/XXXX I had it inspected for EMISSIONS and it PASSED. The DEALER had promised to deliver to me the the certificate of the XXXX. Safety Inspection it had performed on the XXXX on XX/XX/XXXX ( so I could presented it to XXXX and start working ), but it failed to do so. Consequently, as you can see ON DOC # 3 and 4, I took the XXXX to XXXX XXXX XXXXXXXX and had it inspected for XXXX SAFETY INSPECTION. The car FAILED the inspection because the " front motor mounts '' were broken and the brake light was out. The MOTOR MOUNTS was a serious safety issue. I called the the XXXX STATE POLICE and the XXXX   Master State Trooper XXXX verified that the car was indeed displaying a FRAUDULENT safety inspection sticker and we went to the dealer ( XXXX XXXX XXXX ) and they repaired the car, re-inspected ( SEE DOC # 5 ) and I took the car. After driving the XXXX for just a few days, the car developed serious problems with the brake system and with the transmission that the dealer had NO hesitation in taking that vehicle back, however, they did that on the condition that I would buy another car, that is, they would accept it as a " TRADE-IN '' WHAT AN XXXX AND XXXX I WAS. But they are as crooked and dishonest as they come!!! DOC # XXXX, shows the TRADE-IN TRANSACTION where I gave the XXXX in trade for a XXXX XXXX XXXX XXXX XXXX SUV with XXXX actual miles on the odometer. The sale price was {$8900.00}. After adding the PROCESSING FEE {$590.00}, ADDING THE NEGATIVE EQUITY OF {$500.00} of the value of the XXXX ( WOW ), the STATE TITLE TAX {$390.00}, the TITLE REGISTRATION LIEN FEE TRANSFER {$57.00}, the DEALER 'S BUSINESS LICENSE TAX {$16.00}, a SERVICE CONTRACT, see DOC # 7, ( Including Tax of {$10.00} ) {$420.00}, On-Line Systems Filing Fee {$10.00}, SUB-TOTAL of {$10000.00}, less TOTAL DOWN PAYMENT {$3700.00}, BALANCE DUE/FINANCED {$7200.00}. Notice that, in addition to paying me {$500.00} LESS for the piece of junk XXXX they took as a TRADE-IN, they insisted that I would purchase a " Service Contract '' which, was good for absolutely NOTHING! What a BIG XXXX was I! The dealer presented me with a XXXX, which I acknowledged receipt of it when I initialed and signed about 50 pages of " standard documentation '', nothing to worry about as the finance guy told me. Afterwards, as you can see on DOC # 9, this car has had already issues with the transmission. I also BOUGHT THIS CAR ON A " AS IS '' NO DEALER WARRANTY CONDITION. During the financing process, XXXX XXXX, had instructed me NOT TO MENTION to anyone who eventually would call me from the financing company, that I would use the vehicle to earn money driving for XXXX, even though he used my income from XXXX ( estimated ) plus my Social Security Income from USA to qualify me for the loan, an unethical practice. Additionally he also told me to, whenever I received a call from the financing company, JUST to confirm with a " YES '' when they would ask me if my income was {$25000.00}. And in fact, that was the ONLY question I was asked when I received a call from a woman identifying herself as working for XXXX XXXX. Then, on SUNDAY XX/XX/XXXX, while driving a passenger to XXXX XXXX, on the XXXX XXXX XXXX, XXXX, MM 8.8, the transmission started " SLIPPING '' so badly I could not go over 30 MPH. On MONDAY XX/XX/XXXX I took the car to XXXX XXXX in XXXX and the diagnostic was that the transmission was bad and that this type of transmissions, CVT can not be repaired. Additionally they told me that there could be an extended warranty from XXXX on the transmission for up to 10 years or 120.000 miles. 
So I took the XXXX to XXXX XXXX XXXX XXXX XXXX, SEE DOC # 10 and 10A, After working on the car they told me they could not verify the problem and charged me {$140.00}. I continued to have problems with the transmission AND with the Air Conditioning System and Called the financing Co. ( XXXX XXXX XXXX XXXX XXXX ) and complained about the way they finance automobiles for dealers that have less than a good reputation and that I was not going to pay for the loan. Even though I kept making the payments.DOC # 11 SHOWS that on THURSDAY, XX/XX/XXXX, after continuing to have problems with the transmission AND A/C, I took the XXXX  to XXXX  XXXX OF XXXX, which by the way is owned by the same company of XXXX  XXXX XXXX XXXX XXXX, and they kept the XXXX  there until THURSDAY, XX/XX/XXXX and installed a NEW transmission, ( {$4300.00} ) under the extended warranty, at no cost to me. Luckly, XXXX had this program and honored it. Otherwise, I would be at a great loss. I did not work during these 14 days because XXXX does not allow us to drive with a loaner car, due to insurance regulations. My ordeal with the XXXX is still far away from ending! DOC # 12 and 12a SHOWS That the A/C compressor needed to be replaced ( {$1400.00} ), vehicle needed to replace BOTH sides axle shafts and align {$130.00} just for the alignment, and that the headligt could not be adjusted because THE VEHICLE PREVIOUSLY INVOLVED IN ACCIDENT. The cooling system needed work, The XXXX  State Inspection FAILED due to driver headlight is offand there is no adjust for the headlight. DOC # 13 SHOWS that on TUESDAY XX/XX/XXXX, i again took the XXXX to XXXX  XXXX XXXX, and, again with the assistance of the XXXX State Trooper, they removed the front bumper and with an extra work, could ajust the headlight and the XXXX   PASSED the inspection. All of these problems I have had with the XXXX, see DOC # s 14 thru DOC # 20, including the amoumt of money I have been spending, shows the quality of the vehicles that are being financed by XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, probably without a minimum of investigation about the their clients. Most likely, XXXX XXXX XXXX XXXX XXXX is CONSPIRING with XXXX XXXX XXXX, acting recklessly to approve the loans. An example is that, if you look at DOC # 21, you notice that this document is THE ONLY information they have about me. I do not have a length of employment of 10 years ; I don't have a " salary '' of {$30000.00}. I am retired and I had not yet started driving for XXXX as as " sole proprietor '' when I was purchasing the car. But, the dealer " slip '' all these paper in front of you and ask you to sign them. And the Finance companies KNOW these procedures and recklessly approve these loans. DOC # 22, shows how the dealer justifies the value of the car. Notice that they list the XXXX  as having ALUMINUM ALLOY WHEELS, which is a false statement, to increase the value. Also the indicate that the monthly payment would be {$160.00}, when in fact it was {$170.00} ( see DOC # 23 ) The dealer explains that they obtained the value of the car based on the XXXX and lists at {$8900.00}. DOC # 24, obtained by me, at a cost of {$31.00} shows that the value of that car on XX/XX/XXXX, with ALUMINUM ALLOY WHEELS, ( which it DID NOT HAVE ), CLEAN LOAN, which means with NO MECHANICAL problems was {$5300.00} and CLEAN RETAIL was {$8000.00}. And, to top it all, the car now had to have the drive shaft to the rear differential removed due to mechanical problems on the REAR DIFFERENTIAL. Now, the XXXX  is NO LONGER a AWD. It is a TWO WHEEL FRONT WHEEL CAR. I ask that XXXX XXXX XXXX XXXX XXXXXXXX XXXX be FOUND GUILTY OF CONSPIRING WITH XXXX XXXX XXXX TO COMMIT FRAUD AGAINST ME THE CONSUMER. ADDITIONALLY I ASK THAT GATEWAY ONE LENDING & FINANCE REIMBURSE ME FOR THE AMOUNT OF {$2500.00} and deliver the title of the XXXX XXXX XXXX described in this complaint within 48 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation