TD Auto Finance LLC Atlantis Way, Lewiston

It's my opinion TD auto finance is a terrible company. Their customer service training must be sub par. I have been getting the run around and different answers between different customer service representatives over the phone. I'm waiting on my payoff refund check due to overpayment from my insurance. Speaking with their customer service reps can sometimes be extremely frustrating. It seems not all their employees receive the same information during training. Some are very helpful and some are terrible, but as we know, everything in business starts at the top.

I have never had to deal with a more incompetent company when it came to auto financing. I paid off my loan and waited 2 weeks before I called to find out why I had not received any acknowledgment about the payoff. They then told me I would receive my title within 7 to 10 business days. Again I waited for two weeks before I called to find out why I had not received my title. I have then called everyday to get a Lien payoff letter and I paid for express delivery 3 days ago and have only received a tracking number but it has still not left there facility. I feel all I get are people telling me I have to wait until Tuesday or Thursday to get anything done. They said it would be sent out on Monday and it still has not been sent.

I have never written an online review before, but as a customer with a perfect payment records for six years, the lack of compassion and help from TD Auto Finance has left a very bad taste in my mouth. I took out an auto financing loan with TD Auto Finance six years ago and every payment was made on time through automatic bank payments. The last payment did not process through the auto payment and I did not receive any notifications via email, mail, etc. I checked back a few weeks after the payment should have been debited and called, only to find out that they sent my information to a collections agency after 30 days. I paid the bill that day manually once I realized what had happened. My credit score went from 815 to 720 within a matter of one final missed automatic payment. I work for an emergency hospital and have been consumed with juggling COVID protocols. I called and asked if I could appeal this oversight and wrote two letters asking for forgiveness on this honest mistake, only to receive two generic letters back stating my appeal was being denied. TD Auto Finance has left me feeling extremely disappointed and the only reason I am writing this online is because nobody at the company seems to care or want to help me.

Had our ram truck repossessed because of the pandemic and they wouldn't help us forward the payments until we got our jobs back. Just paid them $18k and now we can't get anyone on the phone to release our truck! Their number keeps saying unassigned number call again later! I honestly don't know how to get my truck back 😩

They are outright refusing to take my payment. I have legal American currency and they keep telling me no we will not take your payment. My auto payment is due in a couple days and I have spoken to the highest manager and he keeps telling me no we will not take your payment. I'm going to file a complaint with the attorney general, and the Better Business Bureau for sketchy billing practices. I have audio recordings of every single time you guys have told me that you won't take my payment. I keep asking why won't you take my payment? And I can't get no answer.

One star is too much. I would never do business here again. Warranty is laughable & always in their favor & l have to get the NC attorney General involved to get a refund on my policy cancellation. If any car dealer tries to sell you this policy run the other way. A+TOTAL RIPOFF!

I have been trying to get my Title for my car since 2018. They keep telling me they are sending it, but it never comes. Here I am almost 3 years after I paid off the vehicle and they just sent me the Title, but it's not signed by them. I still can't sell it or trade it in. I just called again and they said they are sending it, but I won't hold my breath. Don't ever finance through TD Auto Finance!! Run the other way!! Look at all the bad reviews on every site. I'm getting ready to open a case with the BBB and the Attorney Generals office. My best friend is a lawyer; therefore, he is going to help me. They will pay!

With such a beautiful holiday weekend coming to an end I felt COMPELLED to write this review, which has been LONG overdue. Stay away from TD Auto Finance and TD bank.... I repeat STAY FARRRR AWAYYYY, they are scammers in every belief I have and TD Auto Finance up to this day has yet to come to a FULL RESOLUTION of this issue I am having. My story is this, I had an accident where an ambulance ran a red light and ran into me back in August, as a result, I ended up injured plus my vehicle was a total loss. I contacted TD Auto Finance immediately the day after my accident to inquire on my billing status to see if I would still have to pay July’s monthly payment as well as August’s so I can pay it in full so there is no confusion when my insurance company pays them off with the total loss check. I’m at such regret that I didn’t get these TD representative’s names but this individual I spoke to at the start of it all stated I wouldn’t have to worry about those months payments because the car is resulted in a total loss so they will just have to wait on the payment from my insurance company. At this point is where the misinformation begins, a month and a half goes by, between all this time I was told when the insurance check came in I still owed money on the vehicle for what was the remaining balance, which come to find out through about 2 weeks of phone calls on my end to various outlets as well as staying in contact with TD Auto Finance to inform them on the CORRECT information that it’s a New York City law any dealership who sells you a vehicle must have GAP INSURANCE in the contract. Those were 2 weeks of a living hell because once again tons of misinformation on TD Auto Finance’s end by various representatives stating I still owed the remaining balance and they don’t see on my contract or anywhere in their system that I have GAP INSURANCE which was a LIE. I spoke to a male supervisor by then name of Johnathan Jordan which took me a week to reach him because every time I called they just so happen to be in a meeting, however, I called on numerous occasions at different hours and they’re just always in a meeting? No wonder customers can’t be brought to a resolution for matters dealing with their company. When I spoke to Johnathan Jordan he FINALLY informs me that they do see the GAP INSURANCE after I had to come out of character because of frustration from having to even deal with this situation down to no one doing their jobs at TD Auto Finance. Johnathan Jordan then states I will receive my PAID IN FULL letter that following week, however, to no avail. I then got tired of dealing with calling TD Auto Finance for a month and a half so I then walk into my local TD bank which the branch manager Dennis was actually able to get a letter from TD Auto Finance which stated I still owed July and August which is why my auto finance account wasn’t closed as of yet..... so it took TD a month and a half to inform me on this which I had to scramble last minute to pay it off in order to move on to another vehicle. I also had no choice and wasn’t comfortable with the company so I asked Dennis to close my TD checking account which that also took 2 weeks for NO REASON, glad I closed the account after that experience. The following day I logged onto my TD Auto Finance account online and I see the remaining balance is $124 short of the amount on the letter so I pay it off in FULL, furthermore, I contacted TD Auto Finance a week later still wondering where is my PAID IN FULL letter and indication of the account being closed which I was then told by Sarah(and many other employees throughout that month and a half) to hold on which I get cut off after holding for 15-30min to call back again and go through the same headache.

Anytime you call regarding your car loan, customer service representatives seem to be very irritated and mean. Not willing to answer questions and just start raising their voice, letting you know to end the conversation. I’m pretty sure not a single person works there for free. So be nice while doing your job or simply change it.

Bought a new vehicle from a Ram dealership. They continue to bill me for the vehicle i do not own. Vehicle is paid off and they even admit this openly over numerous calls. It takes 30+ days to receive refunds. I have a 831 fico score and expected much better service than this from a finance group catering to people with good credit.