td auto finance Holding my refund Roanoke Texas

Had TD auto Finance, I traded in the car for a new one near the time the payment was due so I made another payment so as not to affect my credit.

I made the payment on Nov 11^th online. It cleared my bank on the 13^th. TD received the payoff on the 25^th. On December 3^rd, I received a letter from TD stating that they had released the lien and sent the title to the payer.

I called to ask when my refund would be sent out. I was told it would 21 to 30 days. I explained that I made payments electronically & it had already cleared my bank. She said she didn’t care, we have a process, 21 to 30 days. They want your payments on time but will sit on your money as long as possible.