Consumer complaint received 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I, was shopping vehicles in XX/XX/XXXX. I was very specifically attracted to the XXXX XXXX XXXX XXXX XXXX package because both XXXX website and the XXXX XXXX XXXXXXXX XXXX  and advertising showed this vehicle as having XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I inquired about the vehicle via and online inquiry and was contacted via call by sales manager. I share what I was interested in and that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX was something I specifically wanted and he said he had a vehicle for me. He sent me the Maroney label via a picture through text for the vehicle showing the XXXX XXXX XXXX XXXX XXXX XXXX and so I agreed to move on with credit application. He then shared that link via text as well. I applied and was approved for credit and he tried rushing me into the vehicle same night. It ended up having a dead battery so ultimately I didn't pick it up until a day later. When I came, sales manager was not engaged and the only transaction I had was with a random sales associate to put the plate on and not one person walked me through the vehicle and with finance to sign. The dealership did not do due diligence on this vehicle and provided me with an erroneous Maroney label influencing me into a credit application under false advertised equipment. After having the vehicle a couple weeks I did my own due diligence and checked software. It should be stated, besides the XXXX XXXX XXXX XXXX XXXX XXXX, my Maroney label also reads proximity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both of which aren't included or functional. I tried escalating for weeks asking to speak with gm and was never called back over the course of three weeks so I escalated to the bank td auto finance this is a udaap violation. On XX/XX/XXXX XXXX sent an email to all us dealers letting them know these Maroney labels were erroneous because XXXX XXXX were not and could not be put on thisvehicles trim and to remove them and replace immediately. XXXX even altered all buyers XXXX XXXX XXXX even though the intent of purchase was with included equipment. Finally I spoke with gm who tried to coerce me into more debt by trading in vehicle instead of proper handling of regulatory udaap violation. They also offer XXXX which did not satisfy resolution because I would of never filled out an application for a XXXX XXXX dollar vehicle if the intent wasn't to get a vehicle at that price point with the very specific equipment I wanted. My expectation was they buy back the vehicle, refund deposit and remove credit inquiry. I also escalated through my XXXX channels and the only person I received communication with said they were the last person I could talk to and they don't leverage internal legal or regulatory risk partners to make decisions and also stated the only option was XXXX which btw doesn't include the cost of other missing equipment or features nor labor associated and they also tried to coerce me into more debt by sending me to neighboring dealerships and applying employee pricing basically keeping me hostage in a XXXX product after a clear udaap violation and false advertising. I've tried to escalate past this person and have got zero response. Right now I'm stuck in a XXXX loan on a udaap and false advertising violation and I need the cfpb to help protect me with an appropriate resolution which isn't to coerce me into further debt and further credit impacts both of which the deal XXXX XXXX and XXXX have provided as solutions. Td auto finance also had no resolution although i believe they have accountability to protect me as a consumer as well. Their excuse is it is a contract they buy from dealership but ive provided ample evidence to support that i should not be in this loan due to udaap. Please help me resolve.

Company response to consumer: Closed with monetary relief