How to dispute a TD Bank charge online?

For a TD Bank debit card, TD's own US help lets you submit a dispute online or in the TD app by going into the transaction in your Account Activity — though not all transactions can be disputed online, in which case call 888-751-9000. For a TD Bank credit card, TD's US pages show no online dispute route: call 888-561-8861 and mail TD's Billing Dispute Form to PO Box 100114, Columbia, SC 29202-3114.

How long do I have to dispute a TD Bank credit card charge?

TD Bank publishes no dispute day-count of its own on its public US help pages. The binding clock is federal law: the Fair Credit Billing Act requires a written billing-error notice within 60 days of when the first bill with the error was sent — TD's own Billing Dispute Form states this 60-day rule itself. The written form, not just the phone call, is what preserves your federal rights.

How do I dispute a TD Bank debit card charge?

Under federal law (Regulation E), you must report the error within 60 days after the statement was sent — report fraud immediately regardless. File online or in the TD app from the transaction in your Account Activity, visit a TD location, or call 888-751-9000. If the investigation runs past 10 business days, TD must provisionally credit your account while it continues.

What is the difference between TD Bank US and TD Canada?

They are different banks in different countries. TD Bank, N.A. serves US customers (td.com/us, debit 888-751-9000, credit 888-561-8861). TD Canada Trust serves Canadian customers with EasyWeb and different phone numbers and a 30-day dispute recommendation. None of the Canadian material applies to a TD Bank US dispute.

What can I do if TD Bank denies my dispute?

Use the ladder in order: ask TD to reconsider in writing with new evidence; for credit-card billing errors still inside 60 days of the first bill showing the error, send the FCBA written billing-error notice by certified mail, which forces a written acknowledgment within 30 days; then file a complaint with the CFPB at consumerfinance.gov/complaint, which TD must answer.

How to Dispute a TD Bank Charge

How the math works

TD Bank's filing routes — and the clocks that actually bind you

TD Bank, N.A. is the US bank — not TD Canada Trust, whose EasyWeb pages and phone numbers show up in search results and do not apply here. If you hold a TD Bank US card, these are your routes:

Route	Who it is for	How
Online / app — Account Activity	Debit and ATM card disputes	TD's own US help: submit a transaction dispute online or in the TD app by going into the transaction in your Account Activity. TD warns that not all transactions can be disputed online — if you see no dispute option, call instead.
By phone — the split	Debit vs credit	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.
In person	Debit and ATM card disputes	TD's own US help lists submitting a transaction dispute at a TD location alongside online and phone.
By mail — Billing Dispute Form	Credit-card billing disputes	TD Bank, N.A.'s own form goes to TD Bank, Customer Service, PO Box 100114, Columbia, SC 29202-3114 (fax 201-818-0981; form questions 800-252-2551). The form asks for return within 15 days, but states the binding FCBA rule: TD must hear from you within 60 days of the first billing statement showing the error.

The clocks, honestly labeled

TD's US help pages publish no dispute day-count of their own — so unlike some banks, there is no “TD says 60 days” number to quote. The binding clocks are federal law, plus one network norm:

Clock	Who sets it	The rule
FCBA written notice (credit)	Federal law	Written billing-error notice within 60 days of the first bill showing the error; creditor must acknowledge in writing within 30 days and resolve within two billing cycles
Reg E error notice (debit)	Federal law	Error notice within 60 days after the statement is sent; the bank must investigate within 10 business days (provisional credit if it runs longer)
Network filing window	Card-network norm — not TD-published	Visa/Mastercard frameworks let the issuer file most dispute categories up to about 120 days from the transaction processing date

The trap this tool exists to catch

Two traps, both from confusing the two TDs and the two clocks. First, the Canadian trap: TD Canada's pages recommend filing within 30 days and give different phone numbers — none of that applies to TD Bank US customers, and this tool ships none of it. Second, the 60-day trap: the 60-day figure appears twice and the two are not the same. On a credit card, the phone call starts TD's process, but the FCBA's written-notice requirement (the Billing Dispute Form, within 60 days of the first bill with the error) is what preserves your federal rights. And the 120-day network window is not TD-published at all — it is the issuer-facing window under card-network rules, which is why a dispute filed through TD after day 60 can still reach the merchant. Read the full breakdown in how to dispute a TD Bank charge — the complete guide.

Want the full TD Bank playbook?

Credit vs debit paths step by step, the four filing routes, what TD asks for, the 60-day-vs-120-day trap explained, the Canada/US confusion cleared up, provisional credit honestly described, and the denial ladder — with the navigator above the fold.

Read the TD Bank dispute guide

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 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, and the form's own statement of the 60-day FCBA rule, 30-day acknowledgment, and two-billing-cycle resolution; 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. Note: TD Canada Trust material (30-day recommendation, EasyWeb flows, and the Canadian numbers) was deliberately excluded — it belongs to a different bank in a different country.

General information only — not legal advice. TD Bank's terms change and your account agreement governs your dispute. Verify deadlines with TD Bank and, for federal rights, the FCBA and Regulation E texts themselves.

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