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Concerned about a transaction?

We can help you if a transaction on your TD Access Card or TD Credit Card can be disputed or submitted as part of a fraud claim. We'll guide you through the process. 

Disputing a transaction on your TD Credit Card

What to consider before submitting a transaction dispute request on your TD Credit Card: 

  • 1

    The transaction is related to a purchase you made with your TD Credit Card

    To submit a dispute, it must be for a purchase made with your TD Credit Card. If you find a transaction on your statement that's from a merchant you haven't transacted with, then the charge could be fraudulent. If you suspect the transaction is fraudulent and it has posted to your account, please contact TD Credit Cards: 1-800-983-8472 immediately.

  • 2

    You attempt to resolve with the merchant prior to initiating a dispute

    If you have a dispute with the merchant about a purchase you made, you must first attempt to resolve the issue directly with the merchant. Once you speak to the merchant, your issue may be resolved, and your money refunded. TD cannot act on your behalf before you try to resolve the transaction with the merchant.

  • 3

    You submit a transaction dispute request within the appropriate timeframe

    We recommend contacting us within 30 days after the Statement Period End Date of the account statement on which the transaction or suspected error appeared. Note: Our ability to file a dispute on your behalf is subject to limitations governed by Visa dispute network rules. 

How it works for TD Credit Card transaction disputes

  • All transactions need to be posted

    Transactions must be posted on your credit card before you submit a dispute. We can assist you with a transaction dispute when the transaction has been posted, which takes approximately 5 business days.

  • Attempt to resolve with the merchant

    If you have a dispute regarding a purchase, you must first speak directly to the merchant to attempt to resolve your issue. TD cannot act on your behalf before you try to resolve the transaction with the merchant. 

  • Confirm subscription cancellation 

    For monthly or trial subscriptions, before you dispute review the details and ensure the subscription is cancelled.

  • Submit one dispute for each transaction

    If you need to dispute multiple transactions, you are required to submit multiple disputes. You may receive more than one dispute decision notification. Please do not re-submit your request.

When additional information is required

We may contact you by SMS, email, mail, or phone if additional information is required. It is important that you call us back promptly at 1-800-983-8472 as we have a limited amount of time to continue the dispute process on your behalf under applicable payment network rules. If you do not respond in time, we may have to reverse and withdraw any credits issued to you and close the dispute.

Frequently asked questions

If you're making a claim for a transaction that wasn't initiated by you, your claim will be investigated by a TD representative for fraud. As part of a fraud investigation, your TD Credit Card will be locked during the dispute to prevent any additional fraudulent transactions on the card. You will not be able to complete any transactions with this card. A new TD Credit Card will be mailed to you at the current mailing address on your account.

Rest assured, we’ll be in touch using the contact details you provided in your request. Our aim is to gather more information and provide you with an update within 30 business days.

Once you submit your claim, rest assured, we’ll be in touch using the contact details you provided in your request. Our aim is to gather more information and provide you with an update within 30 business days.

Log in to the TD app first to reach a live agent faster. Or you can report fraud by calling 1-800-983-8472, available 24/7.