Consumer complaint received 2017-02-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a huge ordeal with TD Autofinance. XX/XX/XXXX I was able to obtain loan to purchase a car from XXXX. Everything was normal, I ran into personal troubles and the ultimately, the car was repossessed. I had corrected the issue by paying all the late payments as well as any repo fees that had came from said recollection of vehicle. 
I continue to make on time payments, then comes time for registration/tag renewal on vehicle. I was not allowed to renew because vehicle title had been reverted from my name to the bank 's ( TD Autofinance ) name. I called the bank to figure out a solution and they explained to me that because of the recollection, the title transferred to the bank. This made sense to me, so I went about on how to find a solution. They said they were to send me documents on obtaining the title back with me sending them information first ( ie proof of insurance, notary, etc ). 
Obtaining the proof of insurance was difficult because I needed the title to reflect my name, and I could n't get the title because I did not have insurance at the time. It was a debilitating circle, but I had managed to obtain insurance, and I had sent all the information asked of me through their express XXXX mailing folder. This first issue had happened in XX/XX/XXXX. 
Throughout a span of 3 months ( going into XX/XX/XXXX, I followed up constantly trying to get the vehicle up to date with the title reflecting my name. I had explained the situation to the supervisor or the customer service, collections, and title departments to come to an agreement that I would not pay until this was resolved. A bold move that they had granted me because they assured me the process was fairly quick to be resolved ( would you be comfortable paying {$350.00} a month to have a car sit in your driveway? ) Now, my issue has been the fact that they did not follow up with any information to me, two months go by and I am charged for 2 LATE months of payments, so {$700.00} plus their late fees. Now enter XX/XX/XXXX and I obtain a 2nd letter of repossession. This was a huge slap to the face to me as well as financial red flag because this would mean I would have to pay the whole sum of the car as well as take a XXXX HUGE hit on my credit for another collection. 
I understand the first time was my fault and I am well passed that, but this second time is all on the bank 's account and not my fault. I cooperated with what was asked of me. I call again to contest this letter only to have the department supervisor whom I was speaking to basically call me a liar saying that I did not send documents, which I found ludicrous because I was holding the package receipt in my hand proving I indeed did so. So, they call me two hours later to tell me they did find the paperwork ... ..a full 3 months later!! Unbelievable how a bank mishandled time sensitive information and then penalize me with late fees and threats of repossession. I have waited days since they assured me a solution, especially since I threatened to complain to them, the CFPB and others. 
All I want is a solution to my issues. Issues being title to reflect my name, the late fees to be removed, the repossession to be taken off my account and my credit report and some sort of credit. Let it be known I have been paying for insurance during this whole debacle ... for a vehicle I legally can not drive! Also, have lost money, employment, and employment opportunities because of lack of transportation. I have been fair, calm, and collected when speaking with their reps but enough is enough, this is now how you conduct business especially with customers who had seeked out a loan from them.

Company response to consumer: Closed with non-monetary relief