Consumer complaint received 2016-10-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (WY)

My exboyfriend and I entered into an auto loan agreement with TD Auto Finance in XXXX. He left the area and took the truck with him. I was made aware he had defaulted on the loan in XXXX of 2016. He would not communicate with me or the banks ; I communicated with TD Auto, explaining I did not have the truck either. The repossessors came to my home and place of business, to verify I did not have the vehicle in late XXXX XXXX. In XXXX I was able to get a loan to purchase the truck myself. I reached out to my estranged friend and to TD Auto, explaining I was now interested in assuming the debt myself and would work with him to recover the vehicle 's location. TD Auto explained they had engaged the services of XXXX XXXX, to attempt to locate the vehicle, and gave me a contact number. I contacted XXXX XXXX. I spoke to XXXX at XXXX, who advised that IF I found the truck before he did, I would be able to buy out the loan and avoid any further collection activity. I reached out to the familly of my former boyfriend, who advised where he had been hiding the vehicle. I spoke to my Lender, first state bank of XXXX XXXX XXXX XXXX. They advised once i saw the truck and could attest to no damage, I could sign the papers. Which I did. My exboyfriend agreed to meet me with the vehicle, and I then drove it back to XXXX, WY. I signed the loan papers at XXXX, the bank contacted TD Auto Finance and they advised them to call XXXX. XXXX at XXXX spoke to XXXX at this number. XXXX advised XXXX to fax a copy of the cashier 's check of {$32000.00} to XXXX. XXXX faxed this check and confirmed receipt on XXXX/XXXX/2016. XXXX instructed XXXX to mail the cashier 's check to TD AutoXXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, ME XXXX. XXXX mailed the check that day. It was confirmed the fax was recieved. After XXXX/XXXX/2016, all communication from TD Bank, XXXX XXXX and XXXX XXXX all stopped. I drove the vehicle like it was paid for - as it was. I was shocked when on Tuesday XXXX XXXX at nearly midnight, I was awoken by the doorbell ringing. I was frightened, as I am a single mother with a small child at home. I contacted the local police. The police arrived and they spoke to XXXX, a recovery agent from XXXX XXXX. I offered to show XXXX the loan papers issued by XXXX XXXX Bank on XXXX XXXX, 2016 - he refused to see them. He stated his job was only to pick up the truck. He asked hat I remove my personal belongings from the vehicle. I handed him the keys, he took photos of the vehicle and he left with my truck. I was humiliated by the event, my daughter was traumatized, and I was left without a vehicle in the winter in Wyoming. At XXXX XXXX on Wednesday the XXXX, I contacted my loan officer, XXXX XXXX at XXXX XXXX Bank. He was astounded. He verified they had correctly followed all steps as indicated by TD. I called TD and gave consent for them to communicate with XXXX on this matter. XXXX has repeatedly attempted to contact all parties involved, and each party insists he call the other. Namely, XXXX XXXX at XXXX - XXXX at XXXX has called him four times with no return call. I personally contacted XXXX - they stated I needed to speak to XXXX XXXX. XXXX XXXX agent XXXX stated that they had repossessed the truck prior to my loan coming through - this is not true. In fact, XXXX stated the truck was repossed on XXXX, and the loan payoff was not received by TD until XXXX - a very difficult feat considering the certified funds were disbursed on XXXX/XXXX/2016. They are now requesting I pay {$960.00} to release the vehicle into my possession. I do n't feel I should have to do this, as I did pay the loan in full and the respossession was not necessary.