Consumer complaint received 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY
State: SD

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX engaged in fraud, concealment of a known defect, add-on packing, contract manipulation, and TILA violations during the sale of my vehicle.

TD Auto Finance funded a contract that was not legally valid, due to these violations, and is responsible under the FTC Holder Rule ( 16 C.F.R. 433.2 ).

This complaint contains GPS-verified proof that the dealership intentionally concealed an electrical defect by pre-starting the vehicle and leaving it running during contract signing.

TD Auto Finance is now in possession of a contract obtained through fraudulent practices. 

When I arrived at XXXX XXXX on XX/XX/year>, the truck was : already running, positioned away from the signing area, delivered to me in a running state, never shut off in my presence. 
I did not start the truck on dealership property. 

The next morning, on the first ignition cycle I personally performed, the dashboard immediately displayed XXXX lighting/CAN-bus network warnings : Left Tail Light Out Right Tail Light Out Left Brake Light Out Right Brake Light Out License Plate Light Out These warnings only appear on ignition and require acknowledgment to clear. 

This proves : The warnings existed before the sale The dealership saw them The dealership cleared them The dealership kept the truck running to hide them This is intentional concealment of a material defect. 

I have XXXX Timeline XXXX  logs showing : Arrival at the dealership at XXXX XXXX  Departure at XXXX XXXX XXXX to XXXX, OK ( truck remained running ) Immediate departure from XXXX to XXXX Continuous driving to XXXX ( truck remained running ) Arrival at XXXX  XXXX ( XXXX ) at XXXX XXXXXXXX XXXX XXXX XXXX  performed by me at XXXX XXXX  the next morning That ignition cycle is when the defect appeared. 

This timeline proves the dealership controlled the only ignition cycle during deliverythe only moment the warnings could have appeared. 

This is not a mistake. This is deception. 

I signed approximately XXXX signatures total, which is impossible for a vehicle sale involving : Service contract Dent repair Key replacement Tire/wheel Anti-theft product Appearance package Doc fees TILA disclosures Arbitration agreements Privacy notices Assignee documents ( TD Auto Finance ) XXXX XXXX never XXXX : add-on menus, disclosures, pricing, optionality forms, consent pages, warranty explanations, GAP or service contract paperwork, required TILA breakdowns. 

Add-ons were placed into the contract without my knowledge or consent, and I was told some were mandatory, which is false. 

My aunt, was supposed to co-sign. 
XXXX XXXX instead : made her primary buyer, made me co-buyer, never disclosed the change, never obtained informed consent, submitted this altered structure to TD Auto Finance. 

This is identity and contract manipulation I attempted add-on cancellation post-sale, and XXXX XXXX XXXX XXXX that the products were mandatory and that cancellation was not possible, which is a direct violation of federal law. 

I eventually received a partial XXXX  refund only after repeated pressure.

Company response to consumer: Closed with explanation