TD Auto Finance LLC helps people finance their vehicle purchases through loan plans they set up when buying a car at a dealership. They offer convenient billing options like automatic payments where your monthly car payment is taken out on a set schedule, or recurring payments where you can set a specific amount to be paid automatically each month or every two weeks. These payment plans help make managing your car loan easier by automating the payment process. If you see charges from TD Auto Finance, it's likely from these loan payments arranged through them.
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Cancelling a subscription or automated plan with TD Auto Finance LLC (SmartPay) requires contacting client support via phone or email. The process is straightforward but requires direct communication, which might pose a minor inconvenience compared to instant online cancellation options.
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minutes to cancel a TD AUTO FINANCE LLC subscription.
How to Cancel TD AUTO FINANCE LLC: Step by Step
If you purchased through Smartpay.com:
- Log in to your Smartpay account on the website.
- Navigate to the account settings or subscription management section.
- Select the subscription you wish to cancel.
- Click on the option to cancel the subscription.
- Follow any additional prompts to confirm the cancellation.
- If you prefer, you can also cancel by calling customer support at 800.481.6863. Make sure to do this more than 3 days (or 72 hours) before a scheduled debit date.
- Alternatively, you can text STOP to 57936 to cancel your subscription.
Tips & Tricks for Canceling TD AUTO FINANCE LLC
- Call TD Auto Finance directly and clearly state your intent to cancel the subscription, membership, or autopay; ask for confirmation reference numbers for the cancellation.
- Cancel before renewal dates to prevent automatic new charges or renewals.
- Watch for system errors: Users have reported receiving invoices or charges even after cancellation; if this occurs, call back promptly to dispute and get charges reversed.
- Remove saved payment methods from your online account to avoid unintended future charges.
- For autopay/canceling automatic withdrawals, revoke the authorization through your bank by sending a written notice to both your bank and TD Auto Finance stating that authorization for withdrawals is revoked.
- Use stop payment requests at your bank if necessary, but note these may cost fees and are not guaranteed.
- If the withdrawal or charge continues, consider closing your bank account tied to the automatic payments and opening a new account to stop payments forcefully.
- Escalate the issue within TD by asking for managers, going to different branches, or filing complaints through TD's ombudsman or complaint process if frontline staff are unhelpful.
- Don't rely on autopay for the final payment; many users experienced that last payments must be made manually by phone to fully close accounts or loans.
- Use clear, firm language like "I am revoking authorization for automatic withdrawals," "I want written confirmation of the cancellation," and "I am disputing any charges after my cancellation date."
- Be persistent and patient; cancellations may take follow-ups due to errors or system delays.
TD AUTO FINANCE LLC Customer Service Info
If you need assistance, here's how you can get in touch with TD AUTO FINANCE LLC's support team.
Cancel TD AUTO FINANCE LLC Script
Script
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Hello TD Auto Finance team,
I hope this message finds you well. I am writing to request the cancellation of my subscription effective immediately. Due to some recent financial changes, I am unable to continue with my current payment plan.
Please confirm the cancellation process and let me know if you need any further information from my end.
Thank you for your assistance!
Best regards,
Frequently Asked Questions
TD AUTO FINANCE LLC (smartpay.com) allows members to cancel or change their scheduled debit date by calling more than 3 days (72 hours) before the scheduled debit. Members can stop or restart their automated payment plans at any time by contacting the company, and if there is not enough money in their account, SmartPay can reschedule or stop the plan, but the member must make payments directly to their lender.
To cancel your subscription with TD AUTO FINANCE LLC (smartpay.com), you will likely need to authenticate yourself, which means having access to your account password is important. While you can contact their support via phone at 1-800-556-8172 for assistance, they typically require account verification, which involves the password. If you do not remember your password, you can reset it using this link: https://www.dealerhub.tdaf.com/dealers/s/login/ForgotPassword. So, having or resetting your password will help make the cancellation process smoother and verified.
- Billing Issues: customers dispute charges and payments, including being charged for unusable or broken devices.
- Service Plan Confusion: customers misunderstanding what payments cover, expecting service plans to be included but only paying for the phone lease.
- Contract Confusion: customers underestimating total payment amounts, or unaware of full payoff obligations.
- Inconsistent Charges: customers receiving irregular or unexpected charges on their accounts.
- Difficulty with Device Repairs: issues obtaining repairs or device replacements, with customers stuck making payments on faulty phones.
- Lack of Refunds: customers seeking refunds for defective or non-functional devices but being denied by SmartPay, which only facilitates leases.
- Customer Service Issues: poor resolution of complaints, referrals back and forth with service providers/manufacturers causing frustration.
TD Auto Finance LLC via SMARTPAY does not have traditional lock-in contracts or early cancellation fees, and you can stop or restart the program at any time. However, be aware of a $399 deferred Membership Fee that accumulates and is collected through accelerated debits (payments made faster than the lender's due date). There are also recurring per-debit fees depending on your debit frequency and payment method, which could add up if you frequently add bills or payments. To cancel or change payment dates, you must contact them more than 3 days before a scheduled debit.
Before cancelling a subscription, membership, or bill with TD AUTO FINANCE LLC via smartpay.com, be aware that you should contact them at least 3 days before a scheduled debit to avoid issues. If you don't have enough funds at the payment time, you can call to reschedule or stop your automated payments, but you will need to pay your lender directly afterward. Cancelling might mean losing access to automatic payment scheduling and any convenience features tied to your plan. It's important to ensure you handle outstanding payments independently to avoid any penalties or service interruptions.
- Full Name (as it appears on your account)
- Account Number for TD Auto Finance
- Email Address associated with your Smartpay or TD Auto Finance account
- Phone Number linked to your billing statement or account
- Recent Bill or Loan Payment Book (to reference account details and verify identity)
- Bill/Loan Due Date
- Bill/Loan Payment Amount
- Bill/Lender Name (TD Auto Finance LLC)
- Bill/Lender Address
- Bill/Lender City
- Bill/Lender Zip Code
- Reason for Cancellation (may be requested for confirmation)
- Contacting Support: Cancellation requests may require phone (800.481.6863) or email contact (support@smartpay.com), and should be made more than 72 hours before a scheduled debit date.
We've actually written a step by step guide on how to get a refund from TD AUTO FINANCE LLC. Check it out!
The Easiest Way to Cancel TD AUTO FINANCE LLC
If you’re frustrated trying to cancel your subscription, membership, or bill from TD AUTO FINANCE LLC—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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What Are Some Alternatives to TD AUTO FINANCE LLC?
TD AUTO FINANCE LLC, TD AUTO FINANCE, SMARTPAY, SMARTPAY.COM, TD AUTO FINANCE SMARTPAY, SMARTPAY AUTO FINANCE
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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