TD Credit Cards has the most pathetic Dispute department and policies I have ever encountered. They have an average wait time of 2 hours on hold. They do not have a system to call you back when it is your turn. They do not accept emails. They do not make outbound calls. They will not contact you, so you have to call back every time for update. Even if they need more infomation, they still do not call. You have to wait on hold for 2 hours just to see if further action is required.
TD's goal is to frustrate their customers so much that they give up their dispute. I have dealt with RBC, CIBC, Amex and Mastercard and never had the slightest issue.
TD is a pathetic organization. Deal with them at your own risk. read more