Small Business Banking
Private Client Group
Personal Financial Services
For the quickest answer, search previously asked questions below. Chances are, others have asked a similar question and there's already an answer waiting for you. If you can't find a match, ask a new question and our team members will answer.
My joint debit card with my husband has a fraudulent charge on it so we called customer service almost every single day this week, but every day they tell us to call back tomorrow because the charge is still pending and they can't help us until it is posted. It has been pending for almost a week now. Our usual charges only show as pending for 24 hours. Why is this one still pending? No one that we've talked to is able to tell us.
Stephani, Cherry Hill
June 5, 2017 09:43:19 AM
In reply to Stephani, Cherry Hill
We understand you concern and confusion, Stephani. We'd be glad to clarify.
There are two types of debit card transactions that you're able to make, debit and credit purchases.
Debit purchases are typically called point of sale (POS) transactions. These items require the use of your PIN when making the transaction. Transactions conducted using your PIN often times apply to your statement at the close of the business day.
Credit purchases work a little differently. When a purchase is authorized using Visa, these items typically do not require the use of your PIN. These transactions may take up to 3-5 business days to apply to your statement. The business that the transaction was authorized with contacts Visa to let them know they plan on collecting the funds. Visa then notifies the bank so we're able to apply the item to your statement.
It sounds as though the unauthorized activity you've mentioned was completed as a credit transaction. Once this item applies to your statement, you are able to reach out to a Banking Specialist to submit a dispute. You are able to call us 24/7 at 888-751-9000 or by visiting a TD Store during lobby hours. Take a look at TD Stores in your neighborhood by visiting here: http://go.td.com/1f9DSJR.
Once submitted, disputes typically take 10 business days to complete. If the dispute is found in your favor, the funds and any associated fees will be returned to your account.
We hope this clears things up, Stephani, and we'll talk to you soon.
Megan K, Mount Laurel
June 5, 2017 09:43:28 AM