Consumer complaint received 2025-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
This matter began when I researched my vehicle and found no lien reported through publicly available vehicle and title information. Based on the absence of any recorded lien, I sent TD Auto Finance a Notice of Validation and Demand for Verification dated XX/XX/2025. 
TD Auto Finance never provided lawful validation, including : The original signed contract Proof of assignment or ownership of the debt Proof of lien perfection Despite this, TD Auto Finance continued reporting the account.

Insufficient Response & Default TD later responded only with a customer copy of a contract, not the original. This was rejected as insufficient, and I issued a Notice of Insufficient Response, Default, and Cease and Desist on XX/XX/2025. 
TD Auto Finance remained in non-compliance. 
Title Office Confirmation of No Lien.

While attempting to file a Revocation of Power of Attorney, I appeared in person at XXXX XXXX. I was explicitly told there was no lien on the vehicle, and that a revocation could not be filed on a vehicle without a recorded lien.

This directly contradicted TD Auto Finances claim of a valid security interest.

Wrongful Repossession & Trespass. 
Despite : No lien appearing in the title system. 
The account being under active dispute. 
A pending revocation of authority. 
Clearly posted NO TRESPASSING signs. 
TD Auto Finance ( or its agent ) entered my property, went beside the residence, and removed the vehicle from under a carport without consent, court order, or even a sufficient validation of debt. This was not a voluntary surrender, it was conversion. 
Interstate Transport Before Redemption Deadline. 
TD represented that the vehicle could be redeemed through XX/XX/XXXX. On XX/XX/XXXX, I contacted TD with funds to recover the vehicle and was informed it had already been transported across state lines and in turn would be thousands more. 
Transporting the vehicle prior to expiration of the redemption period and while the account was disputed was improper.

Backdated Lien Appearing After Seizure.

After the vehicle was taken, I returned to XXXX XXXX to obtain documentation showing no lien. At that time, I was informed that a lien now appeared in the system and had been backdated to the original purchase date.

The lien was not present when I previously appeared at the title office and only appeared after the vehicle was seized. 
Sale of Vehicle & Improper Collection without validating debt.

TD Auto Finance sold the vehicle for a nominal amount and then attempted to bill me for the remaining balance. 
On XX/XX/2025, I sent a Qualified Written Request and Demand for Full Accounting. TD Auto Finance never responded. 
On XX/XX/2025, I sent a Notice of Errors, Unlawful Actions, and Demand for Restitution. No substantive response was provided. to date.

Core Issues. 
Failure to validate the debt. 
Continued reporting on an invalidated and disputed account. 
Wrongful repossession without proven lien authority.

Trespass and seizure from private property.

Interstate transport prior to redemption deadline.

Appearance of a backdated lien after repossession. 
Sale of vehicle followed by improper deficiency collection. 
Failure to respond to a Qualified Written Request. 
Requested Resolution.

I request that TD Auto Finance : Cease all collection and reporting activity. 
Correct or delete any credit reporting related to this account. 
Provide a full accounting ( or acknowledge inability to do so ).

Address the improper lien and repossession actions. 
RETURN ALL PROPERTY THAT YOU HAVE UNLAWFULLY TAKEN!

Company response to consumer: Closed with explanation