Consumer complaint received 2016-05-27
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
XXXX XXXX, XXXX RE : TD AUTO LOANS NEGATIVE CREDIT REPORTING This complaint is in regards to a debt that TD Auto Loans claim I owed from a XXXX lease I turned in. The negative information that they placed brought my credit score down XXXX points. Following are the facts concerning this matter. 

In XXXX, I leased a XXXX XXXX and paid it to term. Upon returning the car, I was given a new lease. I paid the new lease to term never missing or never being late. When the lease came to term, I was asked to turn the car into any XXXX dealership. I elected to turn it into XXXX XXXX XXXX, XXXX, XXXX, located at XXXX XXXX XXXX, XXXX, Michigan XXXX. 

When I arrived, a service employee came out and inspected the car. After seeing there was no damage and very low mileage, he handed me a copy of the report and stated, you are all set to go. 

Several weeks later, I received a letter from Chrysler Financial stating I was supposed to pay a fee for turning the car in. Since there was no damage on the car, very low mileage, never late or missed any payments and the lease was not an early turn in, I could n't understand why I was still in debt. Later I received another notice. I then sent an in-depth complaint to XXXX XXXX Offices outlining my concerns. I did not hear from them again. 

In XXXX, I leased a top of the line, {$40000.00} XXXX XXXX. Several months later, I received a letter from XXXX informing me I was eligible for the Pull Ahead Lease Program. I returned the XXXX XXXX XXXX and they wrote another lease for a top of the line XXXX XXXX XXXX XXXX of which I am driving today, at no time was I required to pay an end of lease fee. 

When XXXX informed me a finance company by the name of TD Auto Loans had put negative information on my credit report last month, I had never heard of them. That 's why I thought this was an Identify Theft Crime and immediately filed a complaint with the FCC, case number XXXX. 

However, after researching the matter, I learned Chrysler Financial apparently went out of business or sold the company to TD Auto Loans, therefore, when I sent my complaint letter to XXXX XXXX XXXX in XXXX, it automatically went to the new owners, TD Auto Loans, therefore, I contacted the FCC today, XXXX XXXX to cancel the Identify Fraud Charge. 

In an effort to clear up this matter, I traveled over to XXXX XXXX XXXX on XXXX/XXXX/XXXX in search of the salesman that handled my lease in XXXX, but I learned he passed away two-years-ago, however, I did speak to one of their finance managers. After listening to my story, he stated, in his opinion, they probably found an old bill from XXXX and put it on my credit report because there is no way I could have leased XXXX {$40000.00} cars while owing a financial institution. He also pointed out, if it were the case, the negativity should have dropped off in XXXX. 

Would you please assist me in getting this company to delete the negative information they placed on my credit report from XXXX which brought my scores down XXXX points. Any assistance would be greatly appreciated. 

As a footnote, being curious to know more about this company, I typed into my computer, TD Auto Loan Complaints and what these people have done and is still doing to the consumers is dishearting.

Company response to consumer: Closed with explanation