Consumer complaint received 2019-12-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My father and I had a car loan taken in XX/XX/XXXX. We went to XXXX dealership in XXXX XXXX, XXXX NY. We filled out paper work with myself being the co- Signer. When the final paper work was drawn up, the amount was over {$900.00} a month. The finance manager assured we can come back in 6 months and have the amount reduced. After 6 months we can back and the entire staff was changed with new employees. They could not honor the refinance. In XX/XX/XXXX we decided to voluntarily give car back to TD bank who was financing the car. After several attempts we finally got TD bank to pick up the car. 

During the time Of XX/XX/XXXX and XXXX of XXXX, I did ask For the contract. The XXXX dealership told me they will send it in an email. It was so frustrating I gave up and during that time we were giving back the car. A month later I had a credit repair guy help me situate with the TD Bank. The dispute was with giving the car back and owing the rest of the amount. After another several Months, the credit rep finally got the contact in full on XX/XX/XXXX. After a through review, I noticed that the info my father and I had on the contact was false. If they took our original information we most likely would not of got that expensive car. They put down that my father and I make {$5000.00} per month each. They also put down that I did not pay rent and I live with a relative. Both statements are not true. I do not make XXXX per month. I do not live with my relatives, I live with my wife and XXXX kids. Did attempt to call TD back on several occasions but could not get in touch anyone who want to hear what I have to say. I was so desperate I had to go on the XXXX messenger to find their company and see if I can talk to someone. The representative did not take enough interest to understand that the information that was the from the XXXX dealership to TD bank was false .I have documentation to prove that we do not make XXXX per month and I do have a definite prove that I do not live my relatives as I am so a married person with XXXX kids. 

The amount that was financed was {$73000.00}. Our monthly payment was XXXX per month. The reason the high amount is we gave in a car to trade. I told Td Bank at the XXXX dealership has falsified info. 


I have heard From other individuals that to the XXXX dealership in the XXXX New York has practice scamming customers. In our situation my father was taken for what he had by falsifying his information to show how much he makes per month. My father is on SSI and XXXX. And makes only {$1900.00} a month. 

As of now I am being given a paperwork in regards to possibly being sued for the amount when is that I reached out on several occasions to try resolve this but they said because we signed it is valid. When we sign it was all electronic. So we did not actually see the contract in front of us to review and if we did I would definitely stop it. They really put on a show for us and deal with this supposed to do so Sell They say we owe XXXX. I also explained during the time of the car be given back that we do not make that much and this is why we give the car back. I also asked the XXXX XXXX  if they can help us try to resolve this matter without charging. I didnt not get any correspondence with any of the things I asked expect a bill

Company response to consumer: Closed with explanation