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What do I do if I don't recognize a transaction?

There are two reasons why you may not recognize a transaction:

1. Merchant names sometimes appear different than what you expect, i.e., a purchase at Joe's Bakery appears in your account as 123OntCorp. There is no "special code".
2. There is a fraudulent charge on your Card.

Either way, we’re here to help.

Sometimes, if you see an unfamiliar transaction, it could be because it isn’t labelled the way you expect. Here are some tips you can use, when reviewing your transaction, to see if you can recognize the charge: 

• use a search engine to look up the name in your transaction and see if a more familiar name comes up.
• If it’s the date of the transaction that’s confusing, note that sometimes payments take a few days to process or may be delayed to amend a purchase – such as a hotel stay.
• If the location is unfamiliar, keep in mind some merchants use a processing centre in another city.
• It could also be a renewed subscription or subscription enrollment from a trial offer that’s automatically processed.
• You can also call the merchant directly to discuss the charge and see if there is any correction they can do on the spot.
• If you share the Card with another person, ask them if they recognize the purchase information. When you log in to EasyWeb Online Banking or the TD Mobile App, you can see which Cardholder made that transaction.
• Could it be a temporary hold? If you see “pending” or “posting” beside the charge. please note that this has no effect on your balance, and we cannot help you with this transaction until it’s marked as “posted”.

Still unsure of the transaction? There are several ways we can help.

1. If you suspect fraud, call Digital Disputes at 1-800-983-8472 for TD Credit Cards, or 1-866-222-3456 for TD Access Cards. 
2. If you want to dispute a transaction, you can complete a transaction dispute request within 30 days of your credit card statement’s closing date.
3. You can also lock your TD Credit Card to prevent any future unauthorized purchase. Log in to the TD Mobile App, choose Contact Us in the menu, then select Card Lock to activate. Your pre-authorized payments, ATM transactions, transfers and Card payments will still work, but digital wallet and new purchases will be prevented.