Consumer complaint received 2025-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I had purchased my loan to the dealership in XX/XX/XXXX and the only payment that would accept my down payment of {$3000.00} was TD auto finance. I financed a XXXX XXXX XXXX that was used. They charged me {$35000.00}. 

I had set up auto pay so I dont have to think about paying the bill however their system processes payments very slow and it could take up to XXXX days in which there has been times that the bill overlaps with another bill and then cant process the payment I have to call the customer service desk to manually make a payment if that happens and XXXX of the ladies said that Im close to having my car repossessed that was around XXXX I had financial hardship because of a workplace injury and another workplace job being affected with my income and so the only thing that they would do for me is give me a month where I only have to pay I think around {$250.00} but then the rest would go back towards the interest ( 8.09 % ) They ended up removing the privilege to automatically pay because of this bill overlap. However, when you call the customer support to manually pay over the phone a process the payment instantly and within XX/XX/XXXX, I have the payment deducted from my account. 

I feel like I am being overcharged for the XXXX and they say that it is premium on the title and on the VIN, but there are definitely a lot of features that arent there that would be considered premium. For example, I have a regular key. I dont have a sunroof. I dont have the camera eyesight and other features. 

If I go and sell this car on the market today, it will be probably around for {$8000.00} to someone. 

I just think its not fair that I have to manually call to pay my bill and online. It was made easy to pay your bill in different payment amounts rather than just the minimum payment. 

I am not sure how to make more than the minimum payment through the phone service. 

There has been hardships constantly happening, whether it was from the XXXX, whether it was from the workplace injury, whether it was a sudden loss of a job. 

I strongly believe that the interest payment is ridiculously high. I think that the amount of finance is really high too. Consider considering that I have not been able to access the online portal since XXXX I find it faulty in their system that theyre processing takes XXXX days over auto pay, but if you miss auto pay, they can apparently repossess your car. 

I also had not known about certain defects like the passenger inside door handle, not completely latching, causing the door to open on the passenger. The airbag system, for some reason it stays off. There has been for some reason, hoses blowing, and motor oil getting into the radiator. 

Also, my windshield cracked for no reason there was no rock or anything like that and the reason why I mentioning this is because there are potential recalls for aXX/XX/XXXXvalve and there has been previous recalls on other window panels that crack. The XX/XX/XXXX issue also includes a sudden loss of power in which a lot of these recalls dont appear on XXXX website. I know that thats a different measure than when were talking about TD auto finance itself. 

If I knew that a brand new car would have actually given me a lower interest probably around 4 % I wouldve just financed a new car at the XXXX dealership that I purchased this one. I have called their customer service to try to negotiate stuff however it doesnt seem like they arent willing to do much other than what I had stated before about them waving a month, but actually charging you and then applying the balance to your interest. 

I feel stuck on minimum payments at a high rate with a car that was overvalued and not having all the bells and whistles as what the title states it should be.

Company response to consumer: Closed with explanation