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is there a difference between a dispute resolution and a fraud claim? How does TD differentiate between fraud disputes and merchant resolutions?
August 18, 2016 12:55:10 PM
In reply to chris, norristown
That is a wonderful question, Chris. We're happy to clear up some confusion.
Merchant disputes are put in when you have an issue with a transaction. Perhaps it posted for the wrong amount, or they will not provide a refund when you are unsatisfied with the item. When this happens, you can file a dispute specifically against this merchant to resolve the claim.
Fraud is when you did not complete a transaction. A few examples include a transaction posting while your card was missing or stolen, or if your account number has been compromised. In these cases, it is considered a fraud case.
In either case, if you have questions about a specific transaction, we recommend reaching out to us at any of our TD Bank Store locations. You can find one nearest you by clicking https://go.td.com/1f9DSJR. Additionally, our Customer Service Agents are standing by 24/7 at 888-751-9000.
We are always here to help out, Chris. Let us know if you have any other questions.
Kris M, Mt. Laurel
August 18, 2016 12:55:28 PM