Consumer complaint received 2016-02-22
Company: TCF NATIONAL BANK
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
This complaint is a follow up to a previous complaint filed against Gateway One Lending. As stated previouslyXXXX and XXXX XXXX had the odometer rolled back on the vehicle I purchased 14 days before I bought the car. XXXX XXXX XXXX has numerous complaints and Gateway One has multiple complaints from other victims as well. In Gateway One 's partial response to my previous CFPB complaint, they stated that the account is currently in dispute. Today, XXXX/XXXX/2016 at aproximately XXXX, I witnessed a tow truck pull in front of my home from my patio. I quickly ran out barefoot and stood in between the tow truck and my car. I asked him why is he trying to take my car. He did not say anything to me. He then began pulling out his vehicle lift underneath me and my vehicle. I asked him repeatedly what this was about as he lifted me and my vehicled up. XXXX and I began to yell for him to stop. He didnt. My children were watching and screaming in terror as he pulled off with me and my vehicle suspended inot traffic. As the tow driver pulled off ran into a parked vehicle on the other side of the street. As numerous bystanders watched, I yelled at him to stop and that he is going to kill me. As he pulled off into a busy intersection with me stuck on the back. He then stopped as police saw the situation and intervened. The XXXX officers that showed up on scene initially asked the driver to present documents of the reposession. I told the officers that the driver iterallly took my car right under my feet. XXXX the officers never asked me if I needed medical attention. The only thing they said was for me and my kids and wife to stay away from my car. I informed the officers that this account was currently in dispute and he had no viable means to take my car. I asked if I can get at leat my children 's backpacks with all of their schoolwork out my car. The officers left it up to the tow driver. He said that if I gave up the keys he would let me inside to take out my children 's schoollwork and if I dont, Gateway will charge me {$200.00} for another key. My family then watched screaming and crying as the officers stood by and let a entity hired by gateway one strong arm us out of our only family car. I have not only lost thousands of dollars due to being a victim of a predetory loan and odometer fraud, I have at this point been financially, emotionally and physically abused. I will have to now seek medical attention from the XXXX I sustained which is going to be another financial hit that I will have to take due to my dealings with this scam artist dealer Gateway One. and My kids have no way to get to school and I now have no means to get to work. XXXX1.Lender put in writing their plans for resolution but didnt say taking my work vehicle was part of that resolution. 2. I a victim of lender fraud initiated by dealer and a predatory loan. lender not offering any assistance whatsoever instead trying to increase my burden and victimization by creating xtra hardship. 3. I had to make repairs to car constantly and informed lender true mileage issue and mechanical problens due to odometer fraud. Still no resolve and they took the truck with no intentions of consumer protection or loan adjustment. 4. At repo police offered XXXX assistance to my rights to my personal possessions and repo man threatened me in front of police that he would make sure ur possessions would be taken and u wont get anything out of my car. 5. lender has been informed by XXXX regulatory authorities of complaint and have admitted in writing that their has been proven fraud that they saw themselves and had no reason to seek anymore causes to heavy the burden of victimization to the consumer due to lack of due diligence of lender in lending on extremely under valued collateral.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation