Thank you for joining us the TD Helps community, Janet. We'd like to reassure you that in the event of any trouble with a merchant, we're here to assist you. Once you attempt to resolve this with them, or since it sounds like you may have already done so, if they are unable or unwilling to provide a refund you can then dispute the item with us. If the charge was made via your TD Visa Debit card, to do so, you're welcome to give us a call 24/7 at 888-751-9000, or stop in at any TD Bank Store found here http://go.td.com/TDStores for assistance. When filing a claim, we recommend taking note of who you may have spoken with, the date, and any other information that may be relevant so that we can include it on your claim. Or, if the charge was made with your TD Visa Credit card, you're welcome to call 888-561-8861 for assistance. We are always here to help, Janet. Feel free to reach out to us with any other questions.