TD Bank Customer Service – Fraud & Complaints

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TD Bank customers may need assistance with a checking or savings account, debit card, credit card, suspicious transaction, Zelle payment, ATM problem, deposit hold, overdraft, Online Banking login, mortgage, personal loan, account closure or unresolved banking complaint.

This page focuses on TD Bank, N.A. in the United States. TD Bank U.S. and TD Canada Trust are related companies, but they use different websites, telephone numbers, account systems and complaint procedures.

The correct support route depends on whether the issue involves general banking, a lost card, suspected fraud, a transaction dispute, credit-card billing, a home loan, a TD Fit Loan, TD Auto Finance or cross-border banking.

Below are TD Bank’s current customer-service contacts, fraud and dispute procedures, account guidance, complaint escalation options and related consumer resources.

TD Bank customer-service information reviewed and updated in June 2026.

TD Bank Customer Service Help by Issue

  • General checking or savings assistance: Call TD Bank Customer Service at 1-888-751-9000. Live assistance is available 24 hours a day.
  • Automated telephone banking: Call 1-800-937-2000 to obtain account information and conduct eligible banking transactions.
  • Lost, stolen or damaged debit card: Lock the card through Online Banking or the TD Bank app and call 1-888-751-9000.
  • Lost or stolen TD credit card: Call 1-888-561-8861 immediately.
  • Unauthorized debit-card transaction: Contact TD Bank through the main 24-hour number and begin a transaction dispute.
  • Unauthorized credit-card transaction: Call TD Credit Card Customer Service at 1-888-561-8861.
  • Identity theft or phishing attempt: Call TD’s Phishing and Identity Theft Department at 1-800-893-8554.
  • Suspicious TD email: Forward it to Phishing@TD.com without using links or telephone numbers contained in the message.
  • Online Banking account compromised: Call 1-800-893-8554, secure the connected email account and change passwords from a trusted device.
  • Online Banking login problem: Use the official username or password recovery process or call 1-888-751-9000.
  • TD Bank app problem: Update the app, record the error message and contact Customer Service if login or transactions remain unavailable.
  • Debit or credit transaction dispute: Contact the responsible card department promptly and keep receipts, merchant correspondence and transaction details.
  • Zelle payment problem: Review Send Money with Zelle activity and contact TD immediately when a payment was unauthorized or the account was compromised.
  • Zelle scam: Contact TD promptly, but understand that an authorized payment may be difficult to recover.
  • ATM problem: Record the ATM location, date, time, requested amount and amount actually dispensed and call Customer Service.
  • Deposit missing or placed on hold: Review the receipt and funds-availability notice and ask TD when the deposit will become available.
  • Mobile deposit problem: Keep the original check until the deposit is accepted and any applicable retention period has passed.
  • Overdraft or account fee: Review the account guide and transaction order and ask Customer Service for an explanation.
  • Stop payment: Contact TD before the check or eligible payment has been processed and provide exact transaction information.
  • Direct deposit problem: Confirm the routing and account numbers with the payer and check pending account activity.
  • Close a TD Bank account: Move recurring transactions first, allow pending items to settle and contact TD or visit a TD Bank location.
  • Credit-card account: Call 1-888-561-8861.
  • Mortgage or home-loan inquiry: Call a TD mortgage advisor at 1-866-325-4516.
  • Home-equity inquiry: Call 1-800-815-6849.
  • TD Fit Loan: Call 1-877-300-4020.
  • TD Auto Finance account: Contact TD Auto Finance separately at 1-800-556-8172.
  • Cross-border U.S. and Canadian banking: Call 1-877-700-2913.
  • Charged-off consumer account: Call TD Consumer Collections and Recovery at 1-800-742-2651 and select option 3.
  • TD Wealth account: Call 1-866-235-1248 or contact the assigned relationship manager.
  • Accessibility assistance: Call 1-866-251-3552 or use a relay service by dialing 711.
  • Unresolved banking complaint: Request supervisor review, obtain TD’s final response in writing and consider an OCC or CFPB complaint.

How To Contact TD Bank

Important: TD Bank’s U.S. customer-service number is 1-888-751-9000. The term “EasyLine” is associated with TD Canada Trust telephone banking and should not be used to describe the U.S. customer-service line.

TD Bank moved its U.S. corporate headquarters from 1701 Route 70 East in Cherry Hill, New Jersey to 4140 Church Road in Mount Laurel, New Jersey in September 2025.

Branch hours vary by location. Use TD’s official location finder rather than assuming that every TD Bank lobby or drive-through offers the same evening or weekend hours.

Lost or Stolen TD Bank Debit Card

A lost or stolen TD Bank Visa Debit or ATM Card should be reported immediately.

Immediate Steps

  1. Sign in to Online Banking or the TD Bank app.
  2. Use the card-lock feature to prevent additional card transactions.
  3. Review pending and completed account activity.
  4. Call 1-888-751-9000.
  5. Report the card lost or stolen and request a replacement.
  6. Confirm the replacement-card mailing address.
  7. Update recurring payments after the new card is issued.
  8. Continue monitoring the account.

TD states that customers can order a replacement debit card through the TD Bank app and may be able to add the new card to a digital wallet while waiting for the physical card.

Temporarily locking a card does not replace formally reporting it lost or stolen. Some recurring or previously authorized transactions may continue despite a temporary card lock.

Lost or Stolen TD Bank Credit Card

Call TD Credit Card Customer Service at 1-888-561-8861.

Before Ending the Call

  • Confirm that the old card has been closed
  • Review unfamiliar pending and completed charges
  • Confirm the replacement-card mailing address
  • Ask whether the card number will change
  • Ask whether digital-wallet cards have been updated
  • Confirm how recurring payments will be affected
  • Request a fraud or case reference number when applicable

TD Bank Fraud and Identity-Theft Support

Contact TD’s fraud department when:

  • An Online Banking account appears compromised
  • A password or one-time code was provided to a suspicious person
  • A suspicious TD email, text or telephone call was received
  • Personal or account information was entered on a fraudulent website
  • An unauthorized account was opened
  • An unfamiliar debit, check, ACH, Zelle or wire transaction appears
  • A customer’s identity was stolen

Information To Preserve

  • The suspicious email, text or voicemail
  • The sender’s address or telephone number
  • The website address used
  • The date and approximate time
  • The information disclosed
  • Unauthorized transaction details
  • Police, FTC or identity-theft reports
  • The TD case or claim number

TD states that it will not ask customers to confirm their account number, PIN, password or other personal information through an unsolicited email, text or voice call.

What To Do When Online Banking Is Compromised

  1. Call TD’s fraud department at 1-800-893-8554.
  2. Lock affected debit and credit cards.
  3. Secure the email account connected to TD.
  4. Change passwords from a trusted and malware-free device.
  5. Review telephone numbers, email addresses and trusted devices.
  6. Review account, Zelle, Bill Pay and transfer activity.
  7. Report each unauthorized transaction.
  8. Place fraud alerts or credit freezes when identity theft is suspected.
  9. Keep written records of every report and response.

If the computer or telephone may contain malware, disconnect it from sensitive accounts until it has been examined and secured.

How To Dispute a TD Bank Transaction

Contact TD promptly when a debit- or credit-card transaction is unauthorized, duplicated, incorrect or connected to merchandise or services that were not provided as agreed.

Before Filing a Dispute

  • Confirm whether the transaction is pending or posted
  • Ask authorized account users about the purchase
  • Check whether the merchant uses a different billing name
  • Review recurring subscriptions
  • Contact the merchant when the dispute concerns quality, cancellation or a missing refund
  • Keep receipts, return tracking and correspondence

For Debit-Card Transactions

Call 1-888-751-9000 and identify the affected transaction.

For Credit-Card Transactions

Call 1-888-561-8861 or use the credit-card account’s dispute options.

Information To Keep

  • The transaction date
  • The amount
  • The merchant description
  • The reason for the dispute
  • The date the merchant was contacted
  • Receipts and order information
  • Return or cancellation confirmation
  • TD’s claim or dispute number

Review the account agreement and billing statement for any written-dispute address and deadline that applies. A telephone report may not replace written notice when the applicable law or account agreement requires a written billing-error notice.

How Long Does a TD Bank Dispute Take?

The time needed depends on the type of transaction, whether it was made with a debit or credit card, the evidence available and whether TD provides a provisional credit while investigating.

Ask TD:

  • When the claim was opened
  • Whether additional documents are required
  • Whether a temporary credit will be issued
  • Whether the merchant has responded
  • The expected investigation deadline
  • How the final decision will be delivered
  • Whether an appeal or reconsideration process is available

Do not spend a provisional credit as though it were permanent. TD may reverse it if the investigation is decided against the customer.

TD Bank Zelle Problems and Scams

TD Bank offers Send Money with Zelle through Online Banking and the TD Bank app.

Common problems include:

  • Payment sent to the wrong person
  • Recipient has not enrolled
  • Payment remains pending
  • Customer cannot enroll
  • Unauthorized Zelle transaction
  • Account takeover
  • Purchase, rental, job or investment scam
  • Scammer impersonating TD Bank

If a Zelle Payment Was Unauthorized

  1. Call TD Bank immediately.
  2. Secure Online Banking and the connected email account.
  3. Change compromised passwords.
  4. Review other transfers and transactions.
  5. Report the specific payment as unauthorized.
  6. Keep messages, telephone numbers and payment details.
  7. Report identity theft or fraud when appropriate.

If You Authorized the Payment but Were Scammed

Contact TD promptly and report the scam. Recovery may be difficult when the customer personally authorized the payment, but TD should still be notified and the account should be secured.

Never send money to yourself or another account because a caller claims that doing so will reverse fraud or protect the balance. End the call and contact TD using an independently verified number.

TD Bank ATM Problems

An ATM complaint may involve:

  • No cash dispensed but the account was charged
  • Incorrect cash amount
  • Deposit not credited correctly
  • Card retained by the ATM
  • ATM surcharge
  • Damaged or unavailable machine

Information To Record

  • The ATM address
  • The ATM identification number when displayed
  • The date and time
  • The requested amount
  • The amount received
  • The receipt
  • The related account transaction
  • Whether the ATM was operated by TD or another company

Call 1-888-751-9000. When the transaction involved an ATM owned by another company, that ATM operator may also need to investigate.

TD Bank Deposit Holds

A check or mobile deposit may be delayed because of the deposit amount, check type, account history, new-account status, suspected fraud or another exception under TD’s funds-availability policy.

Review the Following

  • The deposit receipt
  • The stated funds-availability date
  • Online Banking transaction details
  • Any hold or exception notice
  • Whether part of the deposit is available
  • Whether the paying bank returned the check

Questions To Ask TD

  • Why was the hold placed?
  • Which funds-availability rule applies?
  • When will each portion become available?
  • Was the deposit returned or only delayed?
  • Does TD need additional documentation?
  • Can the explanation be provided in writing?

TD Bank Mobile Deposit Problems

A mobile deposit may be rejected because:

  • The check was not endorsed correctly
  • The image was blurry or incomplete
  • The amount entered did not match
  • The check was previously deposited
  • The check type was not eligible
  • The account exceeded a mobile-deposit limit
  • The account or deposit was placed under review

Before Depositing Again

  • Check whether the first deposit is pending
  • Review email and app notifications
  • Confirm the rejection reason
  • Do not redeposit a check that has already been accepted
  • Keep the original check in a secure location
  • Contact TD if the status is unclear

Writing “void” on or destroying the original check before confirming that the deposit has been accepted can make correcting a failed deposit more difficult.

TD Bank Overdrafts and Fees

An unexpected TD Bank fee may involve:

  • Monthly maintenance
  • Overdraft or returned transaction
  • Non-TD ATM use
  • Wire transfer
  • Stop payment
  • Official check
  • Account research
  • Foreign transaction
  • Early CD withdrawal

How To Review a Fee

  1. Identify the exact transaction and fee.
  2. Review the account’s current Personal Fee Schedule.
  3. Check whether a balance or direct-deposit requirement was missed.
  4. Review pending and posted transactions.
  5. Contact Customer Service.
  6. Ask for an explanation and available fee review.
  7. Request the final decision in writing if necessary.

TD may review a fee, but a refund or reversal is not guaranteed.

TD Overdraft Relief

TD advertises a grace period that may allow eligible customers to correct an overdrawn balance by the stated deadline on the following business day.

Review:

  • The amount needed to restore the available balance
  • The deadline displayed by TD
  • Pending transactions that may also post
  • Whether the account and transaction qualify
  • Whether deposited funds will become available in time

Do not assume that every overdraft or returned payment qualifies for the grace period.

TD Bank Online Banking Login Problems

Use TD’s official username and password recovery process rather than a link received in an unexpected message.

Before Calling Support

  • Confirm that the website address belongs to TD Bank U.S.
  • Check the username carefully
  • Use the official password-reset option
  • Check the registered email and telephone number
  • Try a previously trusted device
  • Record the exact error message
  • Check whether the account was locked for security review

TD Bank U.S. Online Banking is different from TD Canada Trust EasyWeb. Make sure the correct country and account system are selected.

TD Bank Direct Deposit Problems

A delayed direct deposit may be caused by:

  • The payer has not released the funds
  • An incorrect routing or account number
  • A payroll processing delay
  • A holiday or weekend
  • A closed or restricted account
  • A change to the employer’s payment system

Steps To Take

  1. Confirm the scheduled payment date with the payer.
  2. Verify the TD routing and account numbers used.
  3. Ask the payer for a trace or confirmation number.
  4. Review pending TD account activity.
  5. Call TD Customer Service.

TD cannot post funds that the employer or payer has not transmitted successfully.

Stop Payments

Contact TD immediately when a personal check, ACH transaction or eligible recurring payment needs to be stopped.

Information To Provide

  • The check or transaction number
  • The exact amount
  • The date
  • The payee or merchant
  • The reason for the stop payment

A stop-payment request may not work if the transaction has already been processed. Fees, expiration periods and renewal rules may apply.

TD Bank Credit-Card Support

  • TD Credit-Card Customer Service: 1-888-561-8861
  • Availability: 24 hours a day, seven days a week

Contact TD Credit Cards regarding:

  • Lost or stolen cards
  • Fraudulent transactions
  • Card activation
  • Payment questions
  • Interest or fees
  • Rewards
  • Credit limit
  • Balance transfers
  • Transaction disputes
  • Card declines
  • Travel or international use

Use the number printed on the back of the card when it differs from the general TD credit-card number.

TD Bank Mortgage and Home-Equity Support

Contact the mortgage or home-equity department about:

  • Applications
  • Loan status
  • Payments
  • Escrow
  • Property taxes
  • Homeowners insurance
  • Payoff requests
  • Financial hardship
  • Possible mortgage fraud

Existing borrowers should also use the servicing contact information printed on the current mortgage statement because the correct department may depend on the loan and servicer.

TD Fit Loan Support

Contact the TD Fit Loan team about:

  • Applications
  • Application status
  • Loan documents
  • Funding
  • Payments
  • Payoff information
  • Financial difficulty

Use the contact information printed on the loan statement for servicing questions when it differs from the application number.

TD Auto Finance Support

TD Auto Finance is separate from ordinary TD Bank deposit-account support.

Contact TD Auto Finance regarding:

  • Vehicle-loan payments
  • Automatic payments
  • Payoff quotes
  • Title or lien release
  • Address changes
  • Insurance information
  • Payment difficulty
  • Repossession or recovery questions

TD Cross-Border Banking

  • Cross-Border Banking Support: 1-877-700-2913
  • Availability: 24 hours a day, seven days a week

Cross-border support can help customers understand the relationship between eligible TD Bank U.S. and TD Canada Trust accounts.

TD Bank U.S. and TD Canada Trust remain separate legal banks with different account agreements, deposit-insurance systems, routing information and dispute procedures.

TD Consumer Collections and Recovery

Customers seeking payment arrangements on a charged-off consumer account can call:

Before Agreeing to a Payment Arrangement

  • Confirm the debt and account
  • Ask for the current balance
  • Ask whether interest or fees continue
  • Confirm the payment schedule
  • Ask how payments will be reported
  • Request the agreement in writing
  • Keep every payment confirmation

Customers who dispute the debt or believe it resulted from identity theft should state that clearly and request the appropriate investigation process.

Closing a TD Bank Account

Before closing a checking or savings account:

  • Move direct deposits
  • Update automatic payments
  • Allow pending transactions to settle
  • Cancel scheduled Bill Pay transactions
  • Download statements and tax records
  • Resolve any negative balance
  • Confirm where remaining funds will be sent
  • Obtain written closure confirmation

Contact TD Customer Service or visit a TD Bank location for the closing options available for the account. Withdrawing the available balance does not necessarily close the account.

TD Bank Scam and Phishing Warnings

Scammers may impersonate TD Bank and claim that:

  • Fraud has been detected
  • The account will be frozen or closed
  • A debit or credit card was used
  • A Zelle payment must be reversed
  • A refund is available
  • Money must be transferred to a safe account
  • A one-time code is needed
  • Remote access to a device is required

Warning Signs

  • Request for a password, PIN or verification code
  • Instruction to transfer money to yourself
  • Demand for gift cards or cryptocurrency
  • Urgent threats or pressure
  • Unfamiliar website links
  • Request to install remote-access software
  • Caller says not to contact TD or law enforcement

How To Verify a TD Message

  1. Stop communicating with the sender.
  2. Do not click the link.
  3. Open the TD Bank app or official U.S. website directly.
  4. Review account alerts and transactions.
  5. Call 1-888-751-9000.
  6. Forward suspicious emails to Phishing@TD.com.
  7. Call 1-800-893-8554 if information was disclosed.

How To Escalate an Unresolved TD Bank Complaint

  1. Contact the correct TD department. Use general banking, credit-card, fraud, mortgage, loan or recovery support as appropriate.
  2. Request a case or claim number. Record the representative’s name, date and explanation.
  3. State the requested resolution. Ask for a transaction correction, fee review, account access, refund, credit correction or written explanation.
  4. Keep supporting records. Save statements, receipts, correspondence, dispute records, screenshots and payment confirmations.
  5. Request supervisor review. Explain what remains unresolved and what previous representatives stated.
  6. Visit a TD Bank location. Identity, document, estate and account-access issues may require in-person verification.
  7. Submit written correspondence when needed. Use the address printed on the current account or credit-card statement.
  8. Request TD’s final response in writing. Ask which account agreement, investigation record or policy supports the decision.
  9. File an outside complaint when appropriate. TD Bank, N.A. is a national bank, so consumers may contact the OCC or CFPB.

Consumer Financial Protection Bureau

The CFPB accepts complaints involving checking and savings accounts, credit cards, mortgages, money transfers, debt collection, credit reporting and other financial services.

Office of the Comptroller of the Currency

TD Bank, National Association is regulated as a national bank by the Office of the Comptroller of the Currency.

Contact TD first and preserve the bank’s response, statements, account agreement, dispute results and supporting evidence for an outside complaint.

Filing a regulatory complaint does not automatically stop collections, foreclosure, account closure or legal deadlines. Continue responding to important notices and consider qualified legal advice when necessary.

For ownership, headquarters and corporate information, visit the TD Bank Corporate Office Headquarters page.

TD Bank Customer Reviews and Complaint Sentiment

At the time this page was updated, CustomerServiceNumbers.com did not have enough published TD Bank reviews to calculate meaningful customer sentiment.

The previous page described positive and negative customer trends that were not clearly based on reviews submitted directly to CustomerServiceNumbers.com. Those unsupported generalizations have been removed.

As customers submit reviews, this section may be updated with recurring topics involving:

  • Checking and savings account support
  • Debit- and credit-card disputes
  • Fraud investigations
  • Zelle payments
  • Deposits and account holds
  • Overdrafts and fees
  • Online and mobile banking
  • ATM transactions
  • Mortgage and loan support
  • Account restrictions or closures
  • Branch and telephone service
  • How effectively complaints were resolved

Future sentiment summaries will be based on actual CustomerServiceNumbers.com reviews rather than generalized assumptions about TD Bank or its customers.

What To Include in Your TD Bank Review

  • The general type of account or service
  • The approximate dates involved
  • The support channel used
  • Whether TD provided a case or claim number
  • Whether the issue involved fraud, a dispute, a fee, a deposit, a loan or account access
  • How long it took to receive a response
  • Whether a written decision was provided
  • Whether the problem was resolved

Do not publish an account number, card number, Social Security number, password, PIN, verification code, home address, wire instructions or employee personal information.

TD Bank Frequently Asked Questions

What is the TD Bank customer-service number?

TD Bank U.S. Customer Service can be reached at 1-888-751-9000.

Is TD Bank customer service available 24 hours?

Yes. TD Bank currently states that live general customer service is available 24 hours a day, seven days a week.

What is TD Bank’s automated telephone-banking number?

Call 1-800-937-2000 for automated telephone banking in English or Spanish.

Is 1-888-751-9000 TD EasyLine?

No. It is TD Bank U.S. Customer Service. EasyLine is associated with TD Canada Trust telephone banking.

What is the TD credit-card customer-service number?

Call 1-888-561-8861. Support is available 24 hours a day.

How do I report a lost TD Bank debit card?

Lock it through Online Banking or the TD Bank app and call 1-888-751-9000 immediately.

How do I report a lost TD credit card?

Call 1-888-561-8861 immediately.

What is TD Bank’s fraud number?

Call TD’s Phishing and Identity Theft Department at 1-800-893-8554.

How do I report a fake TD Bank email?

Forward the suspicious message to Phishing@TD.com. Do not click its links or use telephone numbers included in the email.

How do I dispute a TD Bank debit-card transaction?

Call 1-888-751-9000 and identify the disputed transaction. Keep receipts, merchant correspondence and the TD claim number.

How do I dispute a TD credit-card transaction?

Call 1-888-561-8861 or use the available dispute option in the credit-card account.

How do I report an unauthorized Zelle payment?

Call TD Bank immediately, secure Online Banking and the connected email account, and report the specific transaction as unauthorized.

How do I check a TD Bank deposit hold?

Review the deposit receipt and funds-availability notice, then call 1-888-751-9000 for the specific reason and expected availability date.

Can TD Bank refund an overdraft or account fee?

TD may review a fee, but a refund is not guaranteed. Identify the exact transaction, review the account terms and contact Customer Service.

What is the TD mortgage telephone number?

Call a TD mortgage advisor at 1-866-325-4516. Existing borrowers should also use the servicing number printed on their statement.

What is the TD home-equity number?

Call 1-800-815-6849.

What is the TD Fit Loan number?

Call 1-877-300-4020.

What is the TD Auto Finance number?

TD Auto Finance customers can call 1-800-556-8172.

What is the TD cross-border banking number?

Call 1-877-700-2913. Cross-border banking support is available 24 hours a day.

How do I close a TD Bank account?

Move direct deposits and recurring payments, allow pending transactions to settle, then contact TD Customer Service or visit a TD Bank location. Obtain confirmation that the account was closed.

How do I complain about TD Bank?

Contact the appropriate department, request supervisor review and obtain TD’s final response in writing. If unresolved, consider filing with the OCC or CFPB.

Is TD Bank FDIC insured?

TD Bank, National Association is an FDIC-insured national bank. Deposit coverage is subject to FDIC ownership categories, limits and rules.

Where is TD Bank headquartered?

TD Bank’s U.S. corporate headquarters is located at 4140 Church Road, Mount Laurel, New Jersey 08054.

Related Bank Customer Service Pages

Official TD Bank and Consumer Resources

Related Consumer Resources

Why Trust CustomerServiceNumbers.com?

CustomerServiceNumbers.com has helped consumers locate support information and share customer-service experiences since 2004. We independently organize company contacts, common banking problems, fraud information, complaint procedures and practical resolution steps.

Our goal is not simply to repeat a bank telephone number. We help consumers determine whether to contact TD Bank Customer Service, TD Credit Cards, the fraud department, a loan department, a local TD Bank store or a banking regulator.

Reviews may be moderated for spam, profanity, account and card numbers, Social Security numbers, passwords, payment information, home addresses and personally identifiable information while preserving the reviewer’s original meaning.

Share Your TD Bank Experience

Have you contacted TD Bank about a checking account, debit card, credit card, unauthorized transaction, Zelle transfer, ATM, deposit hold, fee, Online Banking, mortgage, personal loan or unresolved complaint?

Leave a rating and review below. Include the general type of account or service, issue involved, support channel used, whether TD provided a case or claim number, how long it took to receive assistance and whether the problem was resolved.

Your experience may help another customer determine whether to contact general banking support, card services, fraud, a loan department, a TD Bank location, the CFPB or the OCC.

Disclaimer: CustomerServiceNumbers.com is an independent consumer website and is not affiliated with TD Bank, N.A., The Toronto-Dominion Bank, TD Canada Trust, TD Auto Finance, Zelle, any TD Bank store, payment network, loan servicer, the FDIC, CFPB or OCC. TD Bank does not provide customer support through this website.

This page provides general consumer information and does not provide legal, financial, banking, investment, tax, fraud-recovery, credit or regulatory advice. TD Bank’s current account agreements, card agreements, loan documents, transaction records, investigation results, federal law and official written decisions control each customer’s account and dispute.

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