Consumer complaint received 2024-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I was sold a used " AS IS '' XXXX XXXX XXXX vehicle from XXXX XXXX in Mesquite, TX without disclosing that the vehicle had been in a wreck. XXXX XXXX told me before purchase that the vehicle had previously had XXXX owner, had only minor cosmetic damage ( small scratches, etc. ) and had not been involved in a wreck. The car looked great on the outside. I then specifically asked had the vehicle been in a wreck and was directly told " no '' so, I purchased the vehicle in good faith as my daughter and my husband had purchased twice before ( although currently under new management ) at XXXX XXXX without incident. In XXXX, XXXX vehicle lights came on the vehicle 's internal dashboard. I took the vehicle back to XXXX XXXX thinking that it was a minor parking sensor light that could be fixed easily. But when I took the vehicle back to XXXX XXXX, I spoke to service department XXXX, XXXX, who would not even touch the vehicle. XXXX stated that they were short on technicians, suggested that someone may have " backed into me in a collision '' ( which I disputed as highly unlikely ) and suggested that I take it to a XXXX dealership close by. I did this. The service rep at the XXXX XXXX dealership told me that I would have to leave the car there for at least two days but to text him so that arrangements could be made for a rental because at the time, there were no rentals available. The XXXX XXXX said that he would follow up with a call to let me know when a rental was available ; although I texted him, he never called. Frustrated, I then took the vehicle to XXXX XXXX dealership on XX/XX/XXXX. I spoke with XXXX XXXX, XXXX and XXXX XXXX, XXXX about what had recently occurred. I then paid {$150.00} for a vehicle service report only to discover that the vehicle had not only been in a previous car wreck, but had several internal defects and a XXXX recall. As a result, I was told that there would be an entire vehicle system breakdown if repairs were not done. The vehicle was not safe. I then returned to XXXX XXXX who would not agree to repairs nor would they honor the Platinum Extended Warranty that I purchased because the Warranty Exclusion states in the vehicle service contract : " This service contract will not pay for any loss, damage or expense caused by accidents. '' On XX/XX/XXXX, I voluntarily surrendered the vehicle. On XX/XX/XXXX, I received a " Notice of Plan to Sell Property '' and stated that I would be responsible for a possible deficiency. I have sent a certified letter disputing this and do not want my credit affected due to the fact that the vehicle was a " lemon '' and pertinent information about the vehicle was withheld. I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in obtaining a fair resolution. Specifically, I am seeking a clear credit report from deficiency and any refunds due. Also, there are several troubling reviews about this dealership on the XXXX XXXX XXXX website. Had I known what I know now from reading these consumer reviews, I would have never purchased at this dealership -- especially now that it is under new management. Also attached is a photo of the vehicle after immediate purchase which looked the same during the towing process. I have also submitted a complaint to the Texas Attorney General 's office.

Company response to consumer: Closed with explanation