TD Auto Finance, LLC Reviews 37

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.

We have had an auto loan since 4/2021 with NOT one late or missed payment. I paid the loan off in full on 5/19/2025 and requested a lien release. It shows paid off and account closed online but still not released. I have called numerous times and spoken to a supervisor who told me it can take up to 30 days. We have the vehicle sold but the people are going to back out if we don't have it today. I called today and the employee said there was nothing she can do. They don't do expedited work, I can't speak with a Title person, she said it is paid off, my account is closed but nothing will be released before 6/3/2025. The money was wired so there is no way for it to be pulled back. They've had it since 5/19 but they will not release the title until 6/3. They are the most unhelpful people I have ever worked with. I can't imagine how they treat people who don't pay their payments on time if they treat good customers this way. I would NEVER finance anything with them again and I promised I would warn everyone I know about them so no one else has to go through what we have gone through. They do not care about the customer at all.

Never answered always hang up. I aak them how can I lower my payment answered me that they can’t comment on that.

Horrible Experience with TDAuto Finance – Avoid at All Costs!
TDAuto Finance is an absolute nightmare to deal with. They are dishonest, unprofessional, and completely unreliable. For over two months, they’ve been holding my refund money, claiming they sent a payment check that I never received. Despite having all their other letter, there’s no trace of this supposed check, and they keep giving me the runaround with vague excuses. They owe me a reimbursement for the difference, but they provide zero information or updates, leaving me in the dark. This is beyond frustrating—it’s outright deceptive. Save yourself the headache and steer clear of this terrible company!

We purchased the car in 2022. Cawood suggested TD auto finance for a loan. Do not do business with TD auto finance. We financed the vehicle through them and are now selling it. The payoff check was sent by the purchasers bank but they are saying they can hold the title for 30 days before releasing it. Making it almost impossible to private sell your vehicle. So the buyer is supposed to pay for the vehicle and then not be able to drive it for 30days before they can register it. We also were only told this after the payment was sent. We were originally told it was a smooth quick process.

Customer Care superviser was so rude. She was not able to answer my question, she told that even thogh it is not my fault. it is fault of TD Auto finance not setting up the auto paymnet, I will have to late payment. She told that this is unfair eventhough I need to pay. Is this good customer service?

We authorized automatic payments but they took a payment for more than 3 times the amount at the end because of late fees even though we had the car on automatic payments. They said because the first automatic payment was late. But they failed to notify us. We are looking for people in the same situation to start a class suit.

Called in to process a vehicle payment and it was taken out along with another $180. When asked they had no clue what happened and the day has ended and the money hasn't been returned to the account.
These people can't think unless there's a screen infront of them to prompt them.

Does NOT honor their obligations. I made every payment on time for four years, and finished paying for my car / contract completed in November 2024. It's February 2025 and I still haven't received my release so I can file to receive my title from the WA DOL. Numerous phone calls to them and they always pretend to be mailing it to me. False. False.

Paid my car off. New York State law requires lien release mailed within three days of receipt of payment. TD customer service told me they had ten working days to get in the mail. Of course the car is sold and I'm waiting for the release . They have one phone number and no email. They are invisible to the world obviously by design. How nice they can pick and choose the laws they obey. Awful company.

I called to give them my new bank info since I switched banks and they didn't transfer my auto pay from my old bank to my new bank. I was late 3 months because it wasn't auto withdrawn and now I have this on my credit report. They didn't even call or email to tell me my payment was late, I only found out because I received a notice from the credit bureau. Then I was told I need to call the credit bureau myself to fix the mistake and of course the credit bureau doesn't care all they know is I missed my payments that TD Auto reported. I also had called to have them change my address and they also didn't change that either.

If only I had read these reviews before buying my 2024 vehicle. I totally agree with everyone giving a poor review for this financial institution. If I could give zero stars or negative I would. They were the company my dealer (One of the USA’s big three) on top of it. I will be reviewing them next. This company is next to impossible to communicate with, it’s their terms only.

Submitted payoff to them online and it was kicked back because my bank account # was incorrect so they said. No they had the account correct but left off the last number, character. They did it because their own website would not accept the info until ALL characters were entered meaning the correct amount.

The customer service rep was secretive, couldn’t give their name, my payoff or who the supervisor was. No email address was given. Run away from this company!

Terrible company. After you pay off entire balance, they still keep illegally lean on your tittle and you will not be able to sell your car.

We've dealt with them for 6 years, and their Customer Service Department has always made a specialty of being just as argumentative, obstructive, and unhelpful as humanly possible..all they want is to get you off the phone or email without doing anything. They look for any excuse to refuse to put you in contact with the correct dept or a supervisor. I should have refinanced to someone more reputable within the first 6 months of buying.

I called them because I’m having a little issue this month a push the deferred payment option and salon hold over an hour with no one picking up so I called back and hit the general information with my account which is current and they picked it up on one ring I’ve been there paying on this car three years never asked for any help And I sat there for an hour they give you an option but they don’t stand by that option. I was told by the lady that that’s a different department and they may be busy. This is ridiculous. This is horrible to do that to people. then the person I got a hold of on the other option stated that it’s a different department and they have limited hours on Saturday and they’re probably busy and they could probably be close because they close at five Eastern time so I guess they just expect me to sit on hold even after they closed apparently worst customer service ever!