How to Dispute a TD Bank Charge

First: which TD are you with?

This guide is for TD Bank, N.A. — the US bank at td.com/us. It is not for TD Canada Trust, the Canadian bank. Search results mix the two constantly: Canadian pages talk about EasyWeb, TD Access Cards, and a 30-day dispute recommendation, with different phone numbers. None of that applies to a TD Bank US card. If your card says TD Bank and your statements come from the US bank, you are in the right place. If you bank in Canada, use TD Canada's own pages instead — and use our general deadline calculator for the federal clocks, which do apply in the US only.

The four filing routes

TD Bank US gives you different routes by card type, and they are not interchangeable:

1. Online or app — debit cards. TD's own US help: submit a transaction dispute online or in the TD app by going into the transaction in your Account Activity. One honest warning from TD itself: not all transactions can be disputed online. If you do not see a dispute option on the transaction, do not wait — call.
2. By phone — the debit/credit split. Debit and ATM cards: 888-751-9000. Visa credit cards: 888-561-8861. Both numbers are on TD's own US fraud page. ATM cards are phone-only per TD's help. Use the phone when the case is complex, when you cannot see a dispute option online, or when you need to stop further charges immediately.
3. In person — debit and ATM cards. TD's own US help lists submitting a transaction dispute at a TD location alongside online and phone. Bring identification and the transaction details.
4. By mail — the credit-card paper route. TD Bank, N.A.'s own Billing Dispute Form goes to TD Bank, Customer Service, PO Box 100114, Columbia, SC 29202-3114 (fax 201-818-0981; questions about the form: 800-252-2551). The form asks for return within 15 days, but its own text states the binding rule: TD must hear from you no later than 60 days after the first billing statement on which the error appeared. Send it by certified mail with return receipt. Do not mail a debit dispute to this address — it belongs to the credit-card form only, and no debit mail route was found on TD's US pages.

For suspicious emails pretending to be TD Bank, the bank's own fraud page gives a different channel: forward them to Phishing@TD.com. That address is for reporting scams, not for disputing charges. If you suspect identity theft rather than a single bad charge, TD's fraud page gives a separate line: 800-893-8554. And whatever the card type, TD's own fraud page says you can lock and unlock credit and debit cards in the TD app — do that first if the charge looks fraudulent.

The credit-card path: the FCBA clock

On a TD Bank credit card, two things run in parallel and they are not the same. The phone call starts TD's process. The written billing-error notice is what preserves your federal rights: under the Fair Credit Billing Act, it must reach TD within 60 days of when the first bill with the error was sent — and TD's own Billing Dispute Form states this 60-day rule itself. Send the form by certified mail with return receipt and keep a copy. Once TD receives it, the law requires a written acknowledgment within 30 days and resolution within two billing cycles (no more than 90 days) — TD's form states both of those too. Your fraud liability on a credit card is capped at $50 by the FCBA. No TD Zero Liability promise was found on TD's US pages, so this guide claims none — the federal cap is the promise you can rely on.

One FCBA nuance for quality-of-goods claims (wrong, broken, or fake item): the purchase generally must be more than $50 and have occurred in your home state or within 100 miles of your billing address. If your purchase does not meet that test, file the standard billing-error path anyway — the same written notice, the same 60-day clock. TD's form lists the categories it accepts: unauthorized purchase, double billing, incorrect amount, defective merchandise, merchandise not received, paid by other means, canceled order, credit not received, returned merchandise, and did not open account.

The debit-card path: the Regulation E clock

On a TD Bank debit card, federal law is Regulation E, and it is stricter about speed. Report the error within 60 days after the statement was sent — but report fraud immediately regardless, because your liability tier turns on speed: capped at $50 if you report within two business days of learning of the loss or theft, up to $500 if you report within 60 days of the statement, and potentially unlimited after that. TD's US help publishes no debit day-count of its own, so the federal 60-day rule is the binding clock — do not wait for it; report today.

Provisional credit is where debit beats credit: once you report an unauthorized debit transfer, TD has 10 business days to investigate. If the investigation runs longer, TD must provisionally credit your account for the disputed amount within those 10 business days so you can use the money while the investigation continues (up to 45 days). If 10 business days pass with no credit and no decision, ask for the provisional credit in writing. Treat any credit as temporary until the case closes — if TD concludes no error occurred, it must explain in writing and the credit can be reversed.

What TD asks for: evidence by situation

• Unauthorized: when you first noticed the charge, whether the card is lost, stolen, or still in your possession, and who else has access to the card or account. Lock the card in the TD app immediately. TD's help asks you to gather the account, the exact date and dollar amount, and the merchant or location where it posted.
• Wrong amount: the receipt or order confirmation showing the agreed amount, next to your statement showing what was actually billed. TD's form calls these “double billing” and “incorrect amount.”
• Not received: the order confirmation with the promised delivery date, tracking showing it never arrived, and your messages asking the merchant where it is. TD's form calls this “merchandise not received” (and “canceled order”).
• Not as described: a screenshot of the listing as it looked when you paid, photographs of what actually arrived (including packaging), and your messages with the seller. TD's form calls these “defective merchandise” and “returned merchandise.”
• Subscription kept billing: the cancellation confirmation (number, email, or screenshot), the date you cancelled, and your statement showing the charges that continued after cancellation. TD's form calls these “canceled order” and “credit not received.”

The 60-day-vs-120-day trap

TD's US help pages publish no dispute day-count of their own — so there is no “TD says 60 days” number to quote, and any guide that attributes one to TD is guessing. The 60-day figures are federal law (FCBA for credit, Reg E for debit), and they count from the statement. The 120-day figure is a card-network norm, not TD-published: Visa and Mastercard frameworks let the issuer file most dispute categories up to about 120 days from the transaction processing date. That means a dispute filed through TD after day 60 can still reach the merchant through the network window — file through TD and ask specifically whether your case can still be filed as a network dispute, and put the request in writing.

If TD says no: the escalation ladder

1. Reconsideration in writing. Ask TD to reconsider with new evidence the first filing lacked. Many reversals happen here.
2. The FCBA written notice (credit) or the Reg E reminder (debit). Still inside 60 days of the first bill showing a credit-card error? Send the FCBA written notice by certified mail now — TD's own form states the 60-day rule, and it independently forces a written acknowledgment within 30 days. On debit, remind TD in writing of its 10-business-day investigation rule and provisional-credit duty.
3. CFPB complaint. File at consumerfinance.gov/complaint. The CFPB forwards it to TD, which must respond. TD Bank, N.A. is a national bank, so the Office of the Comptroller of the Currency (OCC) is its prudential regulator and a further complaint route if the CFPB path stalls.

Frequently asked questions

Can I dispute a TD Bank charge online? For a debit card, yes — TD's US help lets you dispute from the transaction in your Account Activity online or in the app, though not all transactions can be disputed online. For a credit card, TD's US pages show no online route: call 888-561-8861 and mail the Billing Dispute Form.

Can I dispute a pending TD Bank charge? TD's US help does not publish a pending-charge rule for its own dispute flow. As a practical matter, a charge that has not posted is not yet a final transaction — if you cannot see a dispute option on it, wait until it posts, then file. Do not let that wait eat your 60-day statement clock.

Does TD Bank have a Zero Liability policy? No such promise was found on TD's US pages, so this guide claims none. Your protection is the federal law: the FCBA $50 cap on credit cards, and the Regulation E tiers on debit.

What if I gave out my password or login details? TD's fraud page treats that as suspected identity theft: call TD immediately on 800-893-8554. Your profile's security, not just the single charge, is at risk.

Should I contact the merchant first? For billing problems (wrong amount, not received, not as described, kept billing), yes — contact the merchant first and keep the messages. For unauthorized charges, go straight to TD.

What about the 30-day deadline I saw on a TD page? That is TD Canada Trust, not TD Bank US. The Canadian pages recommend filing within 30 days of the statement closing date for TD Credit Cards and Access Cards. If you are a TD Bank US customer, ignore it — your binding clocks are the federal 60-day rules plus the 120-day network window.

Sources

Verified October 30, 2026: TD Bank — “How to Report Fraud and Identity Theft” (td.com/us, fetched 2026-10-30) for card lock in the app, the debit number 888-751-9000, the credit number 888-561-8861, the identity-theft line 800-893-8554, and Phishing@TD.com; TD Bank US help center (td.com/us search result, 2026-10-30) for the debit online/app/branch/phone routes, the phone-only ATM route, and the “not all transactions can be disputed online” warning; TD Bank, N.A. — Billing Dispute Form (mytdfinancing.com, fetched 2026-10-30) for the PO Box 100114, Columbia, SC 29202-3114 mailing address, the fax 201-818-0981, the questions line 800-252-2551, the 15-day form instruction, the form's dispute categories, and the form's own statement of the 60-day FCBA rule, 30-day acknowledgment, and two-billing-cycle resolution; TD Bank VISA Business Card Agreement (td.com, TD Bank, N.A. described as a national bank) for the OCC regulator note; Fair Credit Billing Act (15 USC 1666; 12 CFR 1026.13) for the credit-card 60-day written notice, 30-day acknowledgment, two-billing-cycle resolution, $50 liability cap and $50/100-mile quality rule; Regulation E (12 CFR 1005.6, 1005.11) for the debit-card 60-day notice, 10-business-day investigation / provisional-credit, and liability tiers; Visa/Mastercard chargeback dispute-timeframe norms for the ~120-day issuer filing window (network norm, not TD-published). Your cardmember or deposit account agreement is the final word. Notes on sourcing honesty: TD Canada Trust material (the 30-day recommendation, EasyWeb flows, and the Canadian phone numbers) was deliberately excluded because it belongs to a different bank; no online credit-card dispute route and no debit mail route were found on TD's US pages, so neither is claimed; no TD Zero Liability promise was found on TD's US pages, so none is claimed; and secondary claims of a 90-day resolution time or a 30-day merchant-response window were dropped because neither is TD-published.

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