#Dispute a transaction trial#

When this is the case you will have the opportunity to review what they provide. We will contact the merchant on your behalf, who may either acknowledge the error and refund your money or provide proof and/or information regarding the transaction. Incorrect amounts charged ? The amount of the transaction is wrong or you were charged for the same transaction twice.Īs soon as we have all of your information, our dispute team can get started.Canceled services still being charged Credit not received ? A credit you were supposed to receive hasn't shown up on your statement.Merchandise not received ? You didn?t receive merchandise or services you paid for.Refund not received ? For missing refunds, because companies can take up to 15 business days to credit a refund? we can only begin our investigation after that time has expired.Some examples of situations where we can help you dispute a transaction are: This information will help us understand and put together the facts and details of your claim. We will need to know any details you have about the issue, including dates, amounts, and any other information you have. If your dispute is related to your TD Access Card, complete and submit a transaction dispute request within 30 days of the date you have received notice of the transaction as per your account agreement. If you?re certain about disputing a Credit Card transaction, simply complete and submit a transaction dispute request within 30 days of the credit card statement closing date.

Step 3: Get started and provide us with details if you're unable to resolve it with the merchant Often, they can correct the mistake and resolve the issue and/or give you a refund.

Speak to a sales clerk or store manager and provide them with receipts and any other documentation you have. TD can't assist you with a transaction dispute until the transaction has been posted.īefore you can dispute the transaction, you must first attempt to resolve with the merchant. This has no effect on your Current Balance or Available Credit. Understand the status ? For Credit Cards, transactions may sometimes temporarily show under Pending and Posted at the same time.Consult with other card users or account holders ?Transactions can be made by anyone authorized to use the card or account in question.Keep track of the dates and names, and key points or outcomes of any conversations for reference. Discuss it with the merchant directly ? If you speak to someone who can review the transaction, like a manager or call centre, often they can correct the mistake and resolve the issue and/or give you a refund.

#Dispute a transaction trial#

Look out for trial offer transactions ? Sometimes trial offers automatically enroll trials into paid monthly subscriptions unless they are cancelled before the identified date.

If the location is unfamiliar - Keep in mind that some merchants (airlines and large companies, for example) have offices or processing centres in multiple cities.

Sometimes merchants use different names or have an alternate company name than the one you recognize.

Review your receipts ? If the date is unfamiliar, remember that transactions may appear a few days late, delayed, or may be amended after the date of purchase (at a hotel, for example).

Step 1: Review your transaction using these tips to help identify unfamiliar transactions: We know it can be frustrating, and we want to make the process of disputing a transaction as simple and straightforward as possible. We?re sorry to hear that you're having an issue with an unrecognized, unauthorized or incorrect transaction that has been posted to your account.