Review Time
TD Auto Finance is a textbook example of how not to treat customers.
I paid off my vehicle 8 months ago and never received my title. That alone is unacceptable. The situation became even worse after my vehicle was totaled in an accident, when I urgently needed a payoff letter to obtain a duplicate title from my state.
I have now been trying to get this payoff letter for over two weeks. I was told it would take 7–10 business days just to mail a simple letter. In 2026. Absolutely ridiculous. As of today, I still have nothing.
Their delays have directly interfered with my insurance claim and created unnecessary stress and financial risk. If I had missed a payment, TD Auto Finance would have acted immediately. When the customer needs help? Silence, excuses, and stonewalling.
This is not a one-off issue. Anyone reading reviews can see a pattern of incompetence and indifference. The volume of 1-star reviews speaks for itself.
If you value your time, your money, or your sanity, do not finance through TD Auto Finance. Once they have your loan, you are on your own.
TD Auto Finance is a textbook example of how not to treat customers.I paid off my vehicle 8 months ago and never received my title. That alone is unacceptable. The situation became even worse after my vehicle was totaled in an accident, when I urgently needed a payoff letter to obtain a duplicate title from my state.I have now been trying to get this payoff letter for over two weeks. I was told it would take 7–10 business days just to mail a simple letter. In 2026. Absolutely ridiculous. As of today, I still have nothing.Their delays have directly interfered with my insurance claim and created unnecessary stress and financial risk. If I had missed a payment, TD Auto Finance would have acted immediately. When the customer needs help? Silence, excuses, and stonewalling.This is not a one-off issue. Anyone reading reviews can see a pattern of incompetence and indifference. The volume of 1-star reviews speaks for itself.If you value your time, your money, or your sanity, do not finance through TD Auto Finance. Once they have your loan, you are on your own.
Wish I could give them 0 stars In the Banking world, they are a complete joke. Every negative comment on the reviews are 100% accurate. Worst possible customer service, terrible website. They must give a huge rebate to the Dealerships, because customers would never use them
Terrible experience and still unresolved. I paid off my loan it never went through they told me to try it again and then they doubled the money they took out of my account. Which was $40,000. I did not have that much money in my bank account and now I am in arrears and all my money is Frozen and they will not respond to me. I'd rather ride a bicycle then get another loan from this company
Still can’t get them to give me my account number they have no customer service I want to pay this loan off but they’re stopping me. This is in additional to the 47% interest I paid . I was told 10% interest on $40000 and verified with the dealer that was $4000. I paid almost $20000 in interest!!!!! No customer service to deal with.
This company is a total farse! They financed my car for over a year. Boy, when it's time to pay- you better pay! But once you have paid off the note and they owe you a warranty from a third party, they not only TAKE THEIR TIME, BUT THEY DON'T LET YOU SEE THE ORIGINAL CHECK FROM THE THIRD PARTY. I was told that it was a $4,400 refund, however, I got a mere $3,100 after waiting for 2 months, I called and called. They are extremely rude, they talk down to you, and they take their sweet time with your money while it sits in an account earning interest that they will keep, not give to you. I took a screenshot of the check, I was treated poorly. Also, I was told that the amount was $4400 by THEM and then received only $3,100. Do not trust them.
Where is the zero star tab? This company is worse than zero Stars the worst company I've ever dealt with in all my 65 years of living. 5 years ago I paid off my car loan with them and they sent me an unsigned lien release letter, meaning nobody signed it in ink. I called a month and a half ago to have a new lien release letter sent with a human signature and I still have not received it. My state requires the lien release letter to be signed by a human, it's called wet signature or live signature. I'm trying to just simply donate it and three different charities entities will not even come take my car for free because of this unsigned lien release letter. I have called them multiple times and they just tell me to wait. They even sent in a second request to mail me this letter and that one hasn't come here yet either....Horrendous awful terrible does not begin to describe TD Auto finance.
Echoing the rest of the reviews here. The absolute worst customer service who don't answer any of your direct question/s. Their response is your typical canned, cut and paste verbiage. You ask a direct question about getting the title and changing the owner's name on the title once the loan is paid off and they respond with an unrelated canned response related to refinancing. Why and how do companies like this still exist?
TD Auto Loan is probably the worst company we have ever done business with in the area of Finance. Extremely difficult to contact, and possible to get documents from especially lien releases. Are vehicle was refinanced at approximately half of the TD interest rate. Our new institution paid TD off on our behalf but TD never sent an electronic lien release to New York State. After multiple phone calls we finally reach someone and we were told that they would get to it in 7 to 10 business days. Absolutely not possible to email us a copy of the lien release because that is not the way and I quote, we do business. Beware and stay away from this lender.
Claim your business profile now and gain access to all features and respond to customer reviews.
