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Td Auto Finance - WARNING!!! STAY AWAY FROM THIS SCAMMING COMPANY

1.0
Details
Td Auto Finance - WARNING!!! STAY AWAY FROM THIS SCAMMING COMPANY
STAY AWAY....they will take your money and once loan is paid off they will not release your account so you can get your title. they will use all the excuses in the world as to why you didn't get your title. I was told cause I didn't give a mailing address on my payoff....ummmmmm my address is on my loan, all my paperwork, IF I didn't make a payment I bet they would send the repo guy to the ADDRESS associated with my loan....SCAMMERS at their finest. I will be speaking to a lawyer it has been over a year since I paid off this loan, I will also be reporting this to the BBB. I have made numerous calls and they have not followed through in releasing my loan so I can obtain a title for a car I OWN......BAD BUSINESS all together

User's recommendation: I would NOT RECOMMEND.

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ID
#2084993 Review #2084993 is a subjective opinion of poster.
Service
Td Auto Finance Loan
Cons
  • No follow through
  • Horrible customer service
Preferred solution
MY TITLE to MY truck

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Td Auto Finance - Lost payoff paperwork and title from TD Auto

2.5
Details
I paid off my loan for my truck two months ago. I have yet to receive the payoff paperwork or the title from TD. They said it was mailed around May 22, 2020. After you pay off your loan they purge your account online, so you if you need information good luck. If you can get anyone to answer the phone you get the song and dance of apply for a duplicate title. But still have no information on my payoff paperwork. I'm disappointed that customer service from this company is so poor.
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ID
#2048731 Review #2048731 is a subjective opinion of poster.
Service
Td Auto Finance Loan
Pros
  • No comment
Cons
  • No one is accountable for anything
Preferred solution
Deliver product or service ordered

Td Auto Finance - My monthly payment went up with no explanation and I received a letter stating they were going to put a black mark on my credit after I made my payment 2 days early

1.0
Details
I pay an even amount every month, not any more! My payment was low $400, somehow after making a payment early my payments jumped up past $460 a month. On top of that my previous payment of $500, which they acknowledged they received, only shows $366.17 of it being applied toward my vehicle... if anyone can please explain to me what happened to the other $133.83 of my payment and why my monthly payment went up I’d greatly appreciate it.
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1 comment
Anonymous
#1758834

"$366.17 of it being applied toward my vehicle... if anyone can please explain to me what happened to the other $133.83" Sounds like you didn't read and or understand what you signed.

From the sounds of it, the $133.83 went to interest. You do understand interest right. Pull your paperwork, it'll tell you how the money is to be applied and the reasons, if any they'll jack up your payments.

I hope you aren't paying some kind of crazy interest above 10%. Sounds like you are...

ID
#1673322 Review #1673322 is a subjective opinion of poster.
Service
Td Auto Finance Loan
Cons
  • Are ripping people off
Reason of review
Money missing
Loss
$15925
Preferred solution
My payment to reflect my balance and answers as to why my payment went up.

Td Auto Finance - Don't Waste Your Time

1.0
Details
Simply put - do not waste your time using TD Auto if you enjoy the convenience of handling everything online through a nice organized web page. Their website is so poorly laid-out and managed that you will have no idea what your payments are and how they are being applied (principal vs interest). They have a handy secure message option on the website, but they are incapable of responding via email through this option - you will only receive auto-replies that include symbols making it appear as if this whole thing is a scam (still not convinced it isn't at this point). These auto-replies are only capable of saying TD Auto cannot respond via email and you must call them... which is a waste of time, unless you enjoy sitting on the phone for an hour to remedy absolutely nothing.
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1 comment
Taylor
#1756906

Still waiting for a response on an adjustment to my account made months ago.... Apparently they are incapable of explaining what it is and doing so via email?

Why do they have a secure message center if they can't respond with it except to say "call us..."? What a joke.

ID
#1668644 Review #1668644 is a subjective opinion of poster.
Service
Td Auto Finance Loan
Cons
  • Whole process
Reason of review
Bad quality
Preferred solution
Price reduction

Td Auto Finance - Terrible and ignorant

2.5
Details
June 19 2019 called to ask a simple question about my loan well i never was treated so poorly from some guy i wish i got his name! Too busy talking to me while eating talking with his mouth full making me feel stupid when i asked a question unreal and so ignorant i have the exact time i called if you csn look it up find out who he is. I ended up calling again and had such a great experience with the lady i told her that as well some people shouldnt work there if they cant do their job
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ID
#1563500 Review #1563500 is a subjective opinion of poster.
Service
Td Auto Finance Loan
1.0
Details
Awful company! After paying four year and then giving back the vehicle once possessed they auction it 12000 dollars and yet we still owe them more that the original vehicles worth I don't think so way to *** over the average Hard working American!
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2 comments
Floyde
#1717463

I think high school ought to make some type of financial classes mandatory. I have worked in finance for 35 years and it amazes me how people are so ignorant of things.

Most honestly believe that "giving" the car back absolves them of any further liability. A hard and expensive lesson to learn.

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ID
#1558297 Review #1558297 is a subjective opinion of poster.
Service
Td Auto Finance Loan

Td Auto Finance - Will not refund my money

My car was totaled in February and the loan was paid off. My insurance payment was more that the loan, so TD auto finance owes me over $1700. They have REFUSED to pay the $$ to my despite MANY phone calls and a report to the BBB. They closed my account so I can't even look online anymore to prove that there is a balance. They have never contacted me about owing me money and have told me on the phone that there is a balance but they will not refund it.
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ID
#1547267 Review #1547267 is a subjective opinion of poster.
Location
Farmington Hills, Michigan
Service
Td Auto Finance Loan
Reason of review
owe me refund
Loss
$1700
Preferred solution
Full refund
TD did not notify us that the last payment would not be auto withdrawn from my checking account. They said it was in our original agreement. We should have read through the entire document. No letter or other notice from TD is required. Therefore, I was suppose to read...
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1 comment
Anonymous
#1779430

Exact same thing happened to me and it gave me bad credit. We made all payments religiously through auto pay.

No other company I've ever leased from doesn't divide payments equally and take the last payment via autopay. This company is RIDICULOUS

ID
#1519838 Review #1519838 is a subjective opinion of poster.
Service
Td Auto Finance Loan
Reason of review
Problems with payment
3.4
Details
So far so good. Lamara with customer service is the only one I care to talk to. She is very helpful and up front with me. If and when I end up having a problem, I will update this post.
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6 comments
Anonymous
#1647811

And You Won't!!! If you read the "complaints" about this or any other lender, you will find ONE common thread.

The complainers FAIL to pay on time and cause consequences, all the way up to a repo. They come here to throw their foot stomping temper tantrum because THEY just can't stand those consequences THEY brought upon themselves! One would think at least a few of these sorry people would realize that but deadbeats as a whole just don't have much in the IQ department! The lender did their job in funding your loan, which is what you wanted.

Now its up to you to do your part, which I'm confident you can handle. Remember, paying on time is NOT optional. No matter what, that payment needs to be made on or before the due date. Again, one would think these serial deadbeats here would realize that, but as I said earlier, a deadbeat's IQ and room temperature go hand-in-hand.

These sorry deadbeats get all upset over the repo's THEY CAUSE, the collection calls THEY CAUSE, the calls to their references THEY CAUSE. There are no special arrangements, changing the due date or any of the other games the deadbeats play. Additionally, this or any other lender is in business to "help" you, me or anybody else! Their business is to fund loans with our responsibility to pay them back with each and every payment on time.

When you do that, you will NEVER have any problems with them. Be a cut above the whining, sorry deadbeats. Just pay on time and you will not have any problems. Come back here regularly and get some laughs at the whining of the deadbeats who cause the consequences they are in.

Here's your first laugh...just watch as these sorry deadbeats write back, "you must work for them" because they have absolutely zero intelligent rebuttal for anything I've said here! By the way, I don't work for "them" or any other lender!

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ID
#1471051 Review #1471051 is a subjective opinion of poster.
Location
Desoto, Texas
Service
Td Auto Finance Loan

Td Auto Finance Reviews

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Td Auto Finance reviews

Td Auto Finance - I was looking to pay bill

I did not have my account info so I stopped the correspondence
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ID
#1414929 Review #1414929 is a subjective opinion of poster.
Location
Newark, New Jersey
Service
Td Auto Finance Loan

Td Auto Finance - Website "pay bill" is impossible to use

1.0
Details
Tried to make monthly payment. The website refused to accept my "user ID"; my password; even my e-mail address as accurate. Then when I tried to set up a new account and entered the same user ID I was told it was already taken; same for password and same for email!!! Entered my account number, my name and even vehicle's VIN and was told on each that the data was inaccurate!!!! Called company, and only received a recording that was totally useless. After over half an hour of manipulating the entries with any information it would accept I did succeed in getting to the make payment page; then the website refused to allow me to make a payment during the current month. TOTALLY DISGUSTED.
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ID
#1401759 Review #1401759 is a subjective opinion of poster.
Location
Farmington Hills, Michigan
Service
Td Auto Finance Loan
Reason of review
Problems with payment
Preferred solution
Let the company propose a solution

Td Auto Finance - Setting up a ACH PAYMENT

1.3
Details
first, it's a nightmare getting to customer service, terrible Auto menu. Then you can't set up your ACH over the phone. You have to rely on the Post office to get the form you need to set up your ACh, so far 2 weeks since I sent it back. So much for their best service
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ID
#1383201 Review #1383201 is a subjective opinion of poster.
Location
Kansas City, Missouri
Service
Td Auto Finance Loan

Td Auto Finance - Lien removal

This is a garbage system. Can’t get through. Doesn’t recognize my voice or the keypad. This is terrible and *** poot
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ID
#1374803 Review #1374803 is a subjective opinion of poster.
Location
Houston, Texas
Service
Td Auto Finance Loan

Td Auto Finance - Horribly company do not finance with them!

Company messed up and applied payment to prinicipal instead of monthly payment, , called in 3 times to get things straight. They failed to fix anything they said on the phone. My perfect credit is now screwed because of their mistake. When calling in after I was notified it was reported to the credit agency, the company had no record of my previous calls and refused to do anything to fix it. Perfect payment history prior to calling in (Automatic payments). If they are not willing to fix an issue with a customer with perfect payment history and great credit (0 missed payments in last 10 years) I would find a different company to finance with. This is my third vehicle I have (for my kids).
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ID
#1329126 Review #1329126 is a subjective opinion of poster.
Service
Td Auto Finance Loan
Reason of review
Problems with payment
Loss
$10000
Preferred solution
Remove bad mark on credit score
My wife had a accident the insurance company and the Gap insurance paid the car off. The Gap insurance doesn't payoff the payoff balance, the payoff the full balance of the contract. So they sent TD a check for the full balance which was $5,000 more than the payoff...
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1 comment
Anonymous
#1551344

I wrote the above review. It's September the 1st and I haven't received my refund yet. I called last week and was told that they would overnight me my check last Wednesday, I did receive it by this past Tuesday, I called and was told they would over night it Wednesday and I should have it by Friday, I called Friday morning to check if it was mailed and was told it was mailed Wednesday, This is Saturday and I haven't received it yet, I guest I will have to have my lawyer call them.

ID
#1320525 Review #1320525 is a subjective opinion of poster.
Service
Td Auto Finance Loan