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.
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