Win Any TD Bank Debit Card Dispute

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm, is not licensed to practice law, and is not equivalent to the services of a licensed lawyer. DoNotPay provides a platform for legal information and self-help, and does not offer legal services. Third party news articles mentioned on our website do not necessarily reflect the views of the company, or the current services that we offer.

How to Get a TD Bank Debit Card Dispute Settled Quickly

Located primarily in South Carolina, TD Bank is a community financial institution with online banking and other financial services. If you have a debit card through this bank, you work hard to protect your information, but sometimes, the thieves are more effective at hijacking it.

When you have a transaction on your account that isn't yours, it can disrupt your finances and leave you struggling to meet basic bills until the dispute settles, and the bank credits the funds back to your account. DoNotPay can help you dispute a charge on your and get your money back quickly.

Disputing Transactions: Chargebacks vs Refunds

People are often confused about the difference between chargeback and refunds. Both are pathways for consumers to dispute unauthorized transactions. Here's a breakdown of the key differences:

RefundsRefunds are processed and funded directly by merchants. This may require consumers to provide documentation and/or contact difficult customer support teams. Seeking a refund can be a slow option and it can take several business days for monies to be deposited.
ChargebacksChargebacks are processed by the bank or card issuer directly and serve to protect consumers from fraudulent charges. Every financial institution has its own system and timeline for processing chargebacks, but all chargeback policies protect consumer cash.

How To Dispute a TD Bank Debit Card Transaction on Your Own

You can dispute a charge on your TD Bank debit card by yourself. According to TD Bank, any dispute needs to start by locking your card through the app or with a phone call to their customer service. You also need to carefully review all recent transactions on your debit card.

When you're ready to dispute the transaction, you can do it one of two ways:

By Phone

You can call TD Bank customer service at (888)-751-9000. One of the customer service representatives takes all of your information. You 'll need to start by providing your account number and verifying your identity.

The customer service takes all the pertinent information about the fraudulent charge, including, the date, amount, and vendor. The bank investigates the charges and puts the funds back into your account if they deem the transaction an error or fraudulent.


Your other option is to go to your local branch of TD Bank and speak to a representative there. Be sure to take your identification card. The bank 's account manager will take all the information about the disputed transaction.

TD Bank Refund Policy

TD Bank doesn 't publish a refund policy for disputed transactions. However, they do state that after you file a dispute, the bank contacts the merchant and gives them 30 days to respond.

In almost every case, a bank will refund the funds if the charges were made fraudulently. Here are some steps you should take to ensure a refund:

  1. Cancel your debit card.
  2. Report the charge to your bank immediately.
  3. File a police report.
  4. Ensure you have enough money in your account to cover current charges.

With DoNotPay, we can help you file your dispute quickly, so TD Bank starts its investigation sooner.

How Long Does It Take to Get a Refund Through TD Bank?

The time it takes to get your refund back from TD Bank depends on how long their investigation takes and when the vendor responds. TD Bank gives the vendor up to 30 days to respond.

Common Issues When You Dispute a TD Bank Debit Card Charge

During or after filing your dispute with TD Bank, you might face some challenges, such as:

  • It can take up to 30 days for the bank to investigate and receive a response from the merchant.
  • You might be asked to provide evidence that you didn't initiate the charge.
  • The vendor might claim the charge is a legitimate one.

With DoNotPay, you can avoid some of these issues and avoid the hassle of filing the dispute yourself.

How Can You Check the Status of Your Refund Request?

When you need to check the status of your refund request and dispute, you can contact TD Bank 's customer service by phone.

How To Dispute a TD Bank Debit Card Transaction With DoNotPay

With DoNotPay, you can secure a TD Bank debit card refund more easily. After opening your account, you need to select the "File a Chargeback" screen. The app provides you prompts to walk you through the process, including:

  1. Choose the payment method and the name of your financial institution: In this case, the charge occurred on your debit card, so select it as the payment method. TD Bank appears on the next screen as an option, so you click on it.
  2. Provide information about the charge: When requested supply the name of the vendor who initiated the charge, and then confirm the vendor after the prompt. You'll also need to confirm the date and amount of the transaction in the same manner.
  3. Offer additional information about the charges. The app walks you through a series of prompts to gather more information about the charges. It asks about your shopping habits with the vendor, other family and friends who might use your card, and more.
  4. Finish the dispute. The app gives you the choice between sending the dispute on your behalf or submitting it to TD Bank yourself. If you opt to send the dispute through the app, you'll need to sign after verifying your personal info.

DoNotPay faxes the dispute to TD Bank on your behalf if you want them to submit it for you.

What Else Can DoNotPay Do?

There 's no reason to be intimidated by big business! With DoNotPay's 'File a Chargeback' product, you can also dispute a transaction from any of these companies:

With options like virtual credit cards that help you avoid fees after free trials, along with a wide variety of simplified refund and dispute services, DoNotPay is the proven way to level the playing field for the consumer.

Want your issue solved now?