Disputing a transaction on your TD Access Card or TD Credit Card

What to consider before starting your dispute

Whether you are looking to dispute a transaction on your TD Access Card or TD Credit Card, make sure:
  1. The transaction is related to a purchase you made with your TD Credit Card or TD Access Card:
    To submit a dispute, it must be for a purchase made with your TD Credit Card or TD Access 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, please contact EasyLine (TD Access Cards or ATM transactions: 1-866-222-34561-866-222-3456 / TD Credit Cards: 1-800-983-84721-800-983-8472 ) immediately.
  2. You attempt to resolve with the merchant prior to initiating a dispute:
    Once you speak to the merchant, your issue can often be resolved, and your money refunded.
  3. You submit a transaction dispute request within the following timeframe:
    • TD Credit Card: within 60 days of the credit card statement closing date
    • TD Access Card: within 30 days of the date you have received notice of the transaction as per your account agreement

How it works for TD Credit Card transaction disputes

All transactions need to be posted
Transactions may temporarily show under Pending and Posted at the same time. We can't assist you with a transaction dispute until the transaction has been posted, which may take 2-3 days.
Remember to review your receipts
Merchants can use different names and may bill you from offices in different locations.
Confirm the cancellation of a monthly Subscription
For monthly or trial subscriptions, before you dispute review the details and ensure the subscription is cancelled.
Submit one dispute for each transaction
We are currently experiencing high volumes of disputes related to COVID-19 and will process your request as quickly as possible. Please do not re-submit your request. We appreciate your patience.
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