How to dispute a charge with TD Bank: complete guide

You have a TD Bank charge that doesn't belong there. Here's exactly how to file a dispute, what the bank needs from you, and what happens if they say no.

TD Bank operates as "America's Most Convenient Bank" with a large East Coast footprint and millions of retail and small business cardholders. Their dispute process covers both TD-branded credit cards and TD Bank debit cards on checking accounts.

Who this is for

This guide is for you if:

• You have an unauthorized, incorrect, or undelivered charge on a TD Bank credit or debit card.
• You're not sure whether to file online, through the app, or by phone.
• TD Bank denied your dispute and you want to know what to do next.
• You want to know what evidence TD Bank needs before you file.
• You already filed and want to know how to check your case status.

The fastest way to dispute a TD Bank charge

Three entry points. Use them in this order:

1. TD Bank app — tap the transaction → "Dispute a charge." This creates an immediate case record and lets you attach supporting documents in the same session.
2. Online at tdbank.com if the app isn't available. Log in, find the transaction in your account history, click on it, and select the dispute option.
3. Call 1-888-751-9000 if both digital paths fail or if you need to explain a complex situation verbally.

The quick decision

If the statement descriptor doesn't match what you remember, identify the charge on MysteryCharges before filing. Disputing a charge you later recognize as legitimate wastes your 60-day FCBA window.

Three ways to file a TD Bank dispute

TD Bank app

Open the TD Bank app and navigate to the account with the disputed charge. Find the transaction in your transaction list and tap it. Select "Dispute a charge" or "Report a problem" — the label varies depending on your card type.

The guided form asks for your dispute reason, a brief description, and the option to attach supporting files. After submitting, TD Bank creates a case and you receive a confirmation. Track your case status through the app.

The app is TD Bank's preferred digital channel. It creates an immediate written record and allows document uploads in a single session.

Online at tdbank.com

Log in at tdbank.com and select the account with the disputed charge. Navigate to your transaction history, find the charge, and click on it to expand the details. Look for a "Dispute" or "Report a problem" option within the transaction view.

If the dispute link isn't visible in the transaction detail, check under "Customer Service" or "Account Services." If you're having trouble locating it, the app path is generally clearer.

By phone — 1-888-751-9000

TD Bank uses a single main customer service number for both credit and debit card disputes: 1-888-751-9000. You'll be routed to the appropriate team through the phone menu.

Have ready before you call:

• Your account number or card (last four digits works)
• The merchant name, transaction date, and amount as it appears on your statement
• Your dispute reason (unauthorized, not received, not as described, duplicate, billed after cancellation)
• Any documentation you've already gathered

Ask for a case reference number before hanging up. TD Bank should send a written dispute acknowledgment by mail or through your online account's message center.

By mail — certified letter to Portland

Send written disputes to:

TD Bank, N.A.
P.O. Box 9547
Portland, ME 04112

Use certified mail with return receipt requested. This creates a dated delivery record that proves you filed within the 60-day FCBA window — essential if TD Bank later challenges the timeline.

Your letter should include your name, account number, the disputed transaction (merchant, date, amount as shown on your statement), your reason for disputing, and the statutory hook: "I am disputing this billing error under the Fair Credit Billing Act." Keep copies of everything.

What TD Bank asks for

Evidence requirements vary by dispute category. Assembling the right documentation before you file reduces the chance of a request that extends the timeline.

For unauthorized charges (fraud):

• Statement showing the charge
• Confirmation you did not authorize it
• For identity theft cases: an FTC Identity Theft Report (identitytheft.gov) or police report significantly strengthens the file

For item not received:

• Order confirmation with the expected delivery or service date
• Delivery tracking showing non-delivery or wrong-address delivery
• Merchant correspondence about the missing item

For item significantly not as described:

• Screenshot or archived copy of the product listing at time of purchase
• Photos of what arrived
• All communication with the merchant about the discrepancy

For billing after cancellation:

• Cancellation confirmation email or screenshot showing the date
• The cancellation date vs. the charge date
• Any merchant acknowledgment that the account was closed

For duplicate charges:

• Both entries as they appear on your statement
• One receipt or confirmation showing the single legitimate transaction

The TD Bank dispute timeline

1. Day 1 — You file. The case opens and you receive a reference number. TD Bank's 30-day acknowledgment clock starts.

2. Days 1–5 — Provisional credit typically issued. For most credit card disputes, TD Bank credits your account while the investigation runs. The credit is conditional and can be reversed if the merchant prevails.

3. Days 5–30 — TD Bank reviews and routes the chargeback. For straightforward fraud or duplicate charge cases, this phase can fully resolve the dispute.

4. Days 10–30 — Simple cases often close here. If the merchant doesn't contest the chargeback, your provisional credit becomes permanent.

5. Days 30–60 — Merchant response window. Contested cases extend as TD Bank and the merchant's bank exchange evidence.

6. Days 60–90 — Final ruling. TD Bank issues a written decision. The FCBA caps credit card disputes at two billing cycles. If you win, the credit is permanent. If the merchant wins, the original charge is restored.

Tracking: Check your case status in the TD Bank app or your online account. TD Bank doesn't always send proactive status updates — log in periodically rather than waiting for a notification. If TD Bank requests additional documentation and you miss the response window, the case can close in the merchant's favor.

What if TD Bank denies your dispute?

A TD Bank denial is not final. Here's the escalation path:

Request the denial reason and the merchant's evidence. Call 1-888-751-9000 or send a secure message through your online account asking TD Bank to specify the denial reason and share what the merchant submitted. You need this before you can build an effective appeal.

Appeal with targeted documentation. If the merchant's claim is wrong — delivery to the wrong address, a cancellation they claim wasn't made, usage after a valid cancellation — prepare an appeal that directly addresses their evidence with your counter-evidence. Reference the specific denial reason.

File a CFPB complaint. Submit at consumerfinance.gov/complaint. TD Bank must respond within 15 days. CFPB complaints create a regulatory record and receive attention beyond the standard dispute team.

Send an FCBA escalation letter. For credit card disputes, the Fair Credit Billing Act entitles you to a written explanation and a formal secondary review. The dispute letter generator produces a TD Bank-specific FCBA escalation letter with your denial reason and the relevant statutory provisions.

Consider small claims court. For amounts above a few hundred dollars where your documentation is strong, small claims court is an option without an attorney. Filing fees are typically $30–$75. The full post-denial path is in the escalation guide.

Common TD Bank dispute mistakes

1. Filing before the charge settles. TD Bank's dispute process applies to posted transactions only. If the charge is still pending, wait for it to settle — typically 2–5 business days — before filing.

2. Missing the 60-day deadline. The FCBA clock starts from the statement date when the charge first appeared — not when you noticed it. If you're unsure how much time you have, calculate your deadline now.

3. Not tracking your case. TD Bank doesn't reliably send proactive alerts when your case status changes. Log into the app or online account periodically. A missed documentation request can result in an automatic close in the merchant's favor.

4. Choosing the wrong dispute reason. "Item not received" and "item not as described" are different categories with different evidence requirements. Filing under the closest-sounding option instead of the accurate one is a common cause of avoidable denials.

5. Disputing a charge you actually authorized. TD Bank can access order records, delivery confirmation, and account history. If you received what you ordered and it was as described, the dispute will fail and the charge will stand. Use the merchant's return or refund policy for legitimate returns.

6. Not escalating after a denial. Many TD Bank customers accept the first denial as final. The CFPB complaint path and FCBA escalation letter exist precisely because denials are not the last word — and they produce results in a meaningful share of cases.

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