Consumer complaint received 2016-03-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY (NM)

On Friday XXXX XXXX, 2015 I went to XXXX XXXX in XXXX XXXX, XXXX. When we arrived, XXXX, the salesperson took us to drive by the XXXX XXXX. We stopped by to see a few trucks in the XXXX XXXX parking lot and we headed back inside the dealership. Once inside, XXXX said there was a XXXX Silverado and we asked about the price. We negotiated a price and we asked to see the truck. XXXX said they did not have the key and they needed to get the truck ready but for us to head over with the finance person to get paperwork started. After waiting for hours for the finance person to be ready to help us, we went inside the finance office. 
The finance manager said we were going to start paperwork. It was already a Friday at around XXXX XXXX, so he said that we were going to start signing papers and on Monday he would finish, we would take the down payment, and we would get the truck. I am not sure which papers were the ones that I signed, but they were just to get started with financing and nothing was to be final. When we were getting ready to leave at night that day, they said that out of courtesy, XXXX was going to let borrow one of their trucks to drive home to XXXX XXXX and return Monday. BUT I NEVER HAD THE KEYS TO THE TRUCK I WANTED TO BUY AND I DID NOT DRIVE THAT TRUCK AT ALL. 
On Monday XXXX XXXX, 2015, me, my son and my daughter returned to XXXX XXXX to finish the paperwork to buy the new vehicle. When we arrived they showed us the XXXX Silverado for the first time. There were some details on the truck that we did not like. The truck they had promised had more features and was less standard. I believe that it was supposed to have chrome handles, a backup camera, a sprayed bed liner, and tinted windows, along with other features. At the time we expressed to the salesperson it was not what we had agreed on. So we offered to still buy the vehicle but to re-negotiate the price or add the features that we had requested. The salesperson and the manager did not want to negotiate. Therefore, we told them we did not have a deal and they said it was okay, so we left the dealership without a truck. 
On Tuesday, XXXX XXXX, 2015, XXXX the salesperson called me and said that they could work something out. However, on this day we had gone out to our local XXXX XXXX in XXXX XXXX, XXXX to look at the truck we were looking for. So I told XXXX that we were already looking for another truck. We purchased a XXXX XXXX from XXXX XXXX, which was financed through XXXX XXXX. 
After that, we never heard back from XXXX XXXX or the salesperson. Around XX/XX/XXXX, we received a bill from TD Financial asking for a payment on a vehicle. I called to figure out what the bill was for. TD Financial said it was for the purchase of a XXXX Silverado from Viva XXXX. I explained to them that we did not purchase the vehicle and they said I had to call the dealership. I then called XXXX XXXX to speak to the financial manager. I was unable to speak to anyone because on all the attempts, I was just forwarded to voicemails. I left a couple of voicemails. 
The following month, in XX/XX/XXXX I received another bill from TD Financial. Again I called to explain that I did not purchase the vehicle. I talked to several people within TD Financial, and they were able to open a claim. They again advised me to talk to the dealership. I was able to speak to someone at XXXX XXXX from the finance department. Needless to say, I never received a call back from anyone at XXXX XXXX. 
I did not agree to purchase this vehicle and I never gave a down payment either. Also, I never stepped foot in this vehicle, therefore I did not drive the vehicle at all. The person in charge of doing the finance for XXXX XXXX arbitrarily submitted paperwork for finance on a vehicle that I did not agree to buy.