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Concerned about a transaction?

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

Is it a fraud or non-fraud dispute?

Finding out which dispute to make can be as simple as asking, "Do you recognize the transaction?". If the transaction wasn’t made by you or anyone authorized to use your account, it's potentially a fraudulent transaction.

If you recognize the transaction, but think you've been incorrectly charged for merchandise or a service, then it's a non-fraud transaction. Explore examples

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Before submitting a claim

Here are a few things to consider before you decide what to do next.

  • Make sure the transaction was completed with your TD Access Card.
  • Confirm it was not completed by another authorized account holder.
  • If the merchant name is unfamiliar, try to recall whether you made a transaction for that amount on that date. Sometimes the merchant name that appears on a transaction differs from the name of the store.
  • If you recognize the transaction but there’s something wrong with it, you must reach out to the merchant to try to resolve your concern before disputing the transaction through TD.

If you are unable to resolve the issue with the merchant please submit a non-fraud dispute. Explore further

If you believe this transaction is fraudulent, file a fraud claim. 

Submit a fraud claim through EasyWeb or the TD app

If you believe charges on your TD Access Card are fraudulent, you can report them to TD in 3 simple steps. Once you submit, it will be investigated by TD, and you’ll be kept informed of the status of your claim.

  1. Step 1

    Log into EasyWeb or the TD app  to view your account. On the Summary Tab select Dispute a Transaction.

  2. Step 2

    Follow the prompts to select the potentially fraudulent transactions.

  3. Step 3

    Answer some questions and submit your claim. You will receive confirmation of your fraud claim submission instantly. Please note that the investigation can take up to 30 days.

Don’t have the TD app? Download it here.

To start your fraud claim, simply download the TD app on your mobile device.

Submit a non-fraud transaction dispute

Before you dispute a transaction, make sure it was made on your TD Access Card and then follow the steps below.

  • Attempt to resolve with the merchant 

    A lady looking at her laptop and talking on her mobile

    If you have a dispute with a merchant about a purchase you made, you must first attempt to resolve the issue directly with them. Once you speak to the merchant, your issue may be resolved.

  • Fill out the form for non-fraud transaction disputes

    A lady on her mobile filling out the TD form for non-fraud transaction disputes

    Complete the form to notify us of the disputed transaction within 30 days as per your account agreement.

  • Submit the form and wait to hear back from TD

    A lady on her mobile

    We’ll review the dispute and reach out to you to obtain more details or provide an update within 30 business days.

When additional information is required

TD will contact you by text, email, mail or phone if additional information is required.

We may contact you by text, email, mail, or phone if additional information is required. It is important that you call us back promptly 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.

TD will contact you by text, email, mail or phone if additional information is required.

Frequently asked questions

Fraud and non-fraud transactions

Legal

The TD app and TD MySpend are free to download, however standard message and data rates may apply.