TD Auto Finance, LLC Reviews 

I called 1-866-694-4392 to link my TD Auto Finance Car Loan account to my online TD account and the two customer service reps Vicky and Sera did not help me and they don't know their job. Just wasting time for 8 minuties asking unwanted questions. These two customer service reps should be fired from TD Auto Finance. If a manager can give me a call on 647-970-3731 I will be able to discuse in detail.

I’ve had several issues with TD auto finance throughout the course of having a loan through the lender. I paid off my vehicle last month and double checked that the loan had been paid off and the account had closed. Auto payments were turned off. I have screenshots of all of this. Regardless, I was charged just under $600 on the recurring date and the customer service representative told me it’s because I had auto payments turned on and that I needed to turn them off on my account — even though they were already turned off. The transaction was posted and I won’t get a CHECK mailed for 30 days. Customer service is horrible. I’m in the market for two new vehicles and will not use this lender based on my experience.

Customer support is useless. I asked them to send my title release several times after paying off my car. They said they requested that it be sent to me. I request it be overnighted by UPS. They said they requested it be done. It was never done. When they did release it, they then request it be sent to them. Unbelievable! Then when they received the title from the DMV, I request that they send it to me overnight. They put in the request. It didn't matter, They sent it regular mail. I called them at least 10 times over a 5 week period requesting it be send overnight. Nothing they told me happened. Worst experience ever in 60 years of buying a car using a loan.

Stay clear of TD Auto Finance. Not only are their CSRs unhelpful and illiterate, but the management is worse. I’ve dealt with many auto finance companies over the years including GMAC, MBUSA, Audi Finance, BMW finance, Toyota Financial, US Bank, etc., etc. and TD is the worst by a mile. My latest run in with them is they are sitting on a lien release for nearly two weeks putting a new car purchase and trade in jeopardy and holding up a large sum of money that is owed to me by the dealer. And the coconuts at TD just don’t care. Find other options. A small bump in rate makes little change in a payment and you can work with a finance company that you can trust.

Wish I could rate lower. They do not care about you or your time. Expect to not be able to contact them for anything, while they contact you constantly to still you more useless services to wring every cent or of you they can.

My loan was opened by a dealership and I will never use TD Auto again. They make mistakes and don't right them but they charge you if you make any mistakes. They don't work with you if you need any help with deferring a payment without paying part of the payment. We had our house burn down in a Utah fire and then we had flooding and I felt like this company didn't care about the people that were struggling. No compassion. They reported 20.54 billion CAD for fiscal year ended October 31, 2025. A company that cares more about their money than the customers that made them rich.

I called TD bank because I needed to update my name. The representative who answered, Greg, was extremely rude and has a very unpleasant attitude throughout the call. His tone felt impatient and as though he was pressuring and talking down to me. I was very upset and disappointed by the way I was treated. Answering and assisting customers is part of his job, and customers should be treated with basic courtesy and professionalism, regardless of how simple or routine the question may be.

I have experienced a wait time exceeding 47 minutes, which compares unfavorably to the service standards of institutions such as CIBC, Simplii Financial, and RBC. It is imperative that the organization takes a proactive approach to address these phone service delays, as a 45-minute wait is unacceptable for a reputable financial institution.

4TH time calling. I'm on the phone with Faisel. 3rd person today. Both other times put back into the queue. It's been 40 minutes and counting. Requested a supervisor and was cut off once. Asked another time and got the person who was obviously not a supervisor. Was told nobody can help me and hung up. This would have been a whole episode of Seinfeld. I am writing my Missouri Attorney General next and then the BBB

Crappy!!! Con artists...scammed!!!Did I mention the worst place to get financing from

They don’t help you out at all even when your in really bad situations they also take money out your account without calling or emailing and saying it’s your fault and your problem they they take your rent without a care in the world and say it’s not there problem worst help and customer service they like to scream at you on the phone and think it’s appropriate

Didn’t like I requested a pay off letter to move to a better finance company. So they charged me twice 2 days later when my next payment was due. Wouldn’t trust this company for anything in the world.

Would not send a lien release after we paid off car one year prior, so we couldn't buy a new car. There is NO CUSTOMER SERVICE, except maybe Raj or Nitin in India. I would never do business with them if you paid me a million dollars

The worst company in the world they charge me high interest. I’m paying 1400 a month only 200 is going to my vehicle. They’re very rude when life happens and you can’t make a payment they don’t give you no chances I gave these people $5000 when I got a lump sum money and then like a few months later I needed a deferred payment. They told me that I couldn’t get no deferred payment at this point I’m ready to just give the car back. They don’t care about nobody but themselves they have attitudes. This is the baddest company that you ever can deal with in your life. They don’t care about nobody but themselves horrible company do not go with this company. They lie they said that you didn’t make a payment for months and you did.

FRAUDULANT COMPANY! They won't listen to court orders, fake credit reports, etc. Lawyers, we need a CLASS Action Lawsuit!!!

Today I received a letter that said my “auto pay option has been DISCONTINUED for my recurring monthly payment.”

I called to find out why. Customer service person “Jenny” told me “Your auto pay in May had been returned by your bank and now you owe June and July payments. I have never missed a payment in over 4 years of my 5 year contract, and now a payment was missed but no one has called, emailed or sent a letter to tell me this!?!!!?!?
“Jenny” said she “could not see any calls were made to me about the missing payment and the letter I got today IS my notification that my May payment was not received “.Not only does the letter not say I missed a payment it only tells me my “next payment, in the original payment amount, is due August 13, but I must make it online or over the phone. No notice to me in 3 months that I missed the May payment—the first payment “missed” on this account in over 4 years on perfect, on-time payments? Now they want 46% of what I still own to “bring the account current”.

Horrible they couldn’t find time to treat a good customer with the common decency to let me know something happened back there in May what will now affect my credit score!
Horrible that there form letter is worthless because of inaccuracies!

When you make an online payment and the money is removed from your bank account, it doesn't post to your TD online account for several days. Then you are left wondering if they even received the payment or if it posted on the date it was paid. They blame the technology.

Make an account to pay my vehicle loan.Next payment they tell me I don't have an account.Then it tells me to put in credentials.They tell me my password is wrong.then I apply to reset password but it tells me to enter my username and password!my 11 year old could do better.

My husband passed away and I paid off my daughter's car which was in his name. They didn't send the title and when i called about they said I need to fax his death certificate, collections of small estate and instructions on where to send the title I have and they still won't release it saying they never got a fax, or they hang up on me.

Just as everyone else has said: worst customer service. They talk to you like soul-less robots, talk in circles, provide no answers. Paid loan off 25 days ago and still waiting for lien release. Was told the email I received directly from TD that stated “title release will take 7-10 days” was “incorrect information”. Really? The company is knowingly sending out false info? No, nothing wrong with that…