Consumer complaint received 2025-08-26 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: MA

Complaint narrative:
My father had passed away in XXXXXXXX XXXX XXXX, a little less than a year ago. As the personal representative of the estate I had advised we would be keeping the vehicle. I spoke with the lien holder- TD Auto Finance , and I personally had been added to the loan, I am now the primary borrower due to my fathers death. I had advised them monthly payments would continue. I have since being added to the loan paid between XXXX and XXXX XXXX dollars approximately. I have spoken with the Massachusetts RMV regarding having the vehicle titled in my name, and was advised to have the lienholder send me this title directly to then take the title to the RMV with a list of documents in order to have the vehicle legally registered and titled in my name. The lienholder is refusing to send me this title as the loan has not yet been paid in full. They will only send the title to the RMV of Massachusetts, who is advising they will return the title to the lienholder as additional paperwork is not present, and as a result they are unable to make any updates. I have been in contact with the RMV of MA multiple times over the last 10 months with no other resolution aside from receiving the title and manually making these changes with them in person with all of the requested documents, including the title. As I have been in contact with the lienholder they have consistently refused to send this title to me directly despite having accepted the funds for payments since I have been added to the loan. The vehicle in question has sat in my driveway for well over a year while Ive dealt with this. Ive requested the title be sent to me multiple times and have been denied despite having provided proof of insurance, ( on a vehicle I can not drive ) the payments on a consistent basis, and multiple requests. I cant drive the car as its yet to be registered or titled in my name, but they have added me to the loan, and as a result I am obligated to make these payments or risk adverse credit reporting. This is essentially extortion like behavior. Either risk adverse credit reporting, and lose the x amount of funds Ive put into the vehicle since having been added to the loan, or pay off the entire amount in order for TD Auto Finance to send me the title directly for me to then make these changes without the need of the lien holder. I have provided TD auto finance with all documents requested in order for them to understand that my father has passed, and that I am under all legal aspects the executor of the estate. There is no other way to make these changes with the RMV, and as a result I feel extorted by this lien holder as I am unable to use , drive, register, or title this vehicle in my name despite being legally obligated to make these payments. This is an absolutely abhorrent business practice especially to someone whos lost a loved and close family member less than a year ago.

Company response to consumer: Closed with non-monetary relief