Update by user Jun 04, 2021 TD never contacted us or sent the check they claimed was sent 6 months ago. No word from them whatsoever. Original review posted by user May 04, 2021 I would rate them below 0 if I could. They reported fictitious late payments to the Credit Bureaus and they still owe me over $500.00 a year later! Not to mention their customer service department is useless and a waste of time!! User's recommendation: DO NOT FINANCE WITH TD AUTO FINANCE.