Bought a Tesla and finance the full amount with my local bank because of the better APR rate. The payment is to be auto debited from my account monthly but since Tesla never cashed the check the loaned ended up being voided. Tesla contacts me 6 months later initially blaming the bank not funding the check. However, after the bank investigation, they tell me Tesla never made a single attempt to submit the check. In other words the check has never been processed in their system except when the loan was initially made. Tesla, finally admitted that their finance team never keyed the check in and has been pushing for me to cancel the check that is now voided. Since the back and forth and waiting for my bank to finish their investigation, Tesla wants to repo the car for not funding another check to them. Since it's been over 6 months the APR is no longer the same amount that I originally financed and Tesla is not willing to mediate. I don't care about them taking the car back since they don't want to mediate. But do they have any grounds to report or go after me for more money or my credit?