TD Canada Trust Bank stole from me - what would you do?

Bernieca, you raise an important point. Effective consumer-complaining is different in Canada than it is in the States. The culture and standards and norms and expectations and manners are different up here.

Thing is, this is not a branch-related matter. This is TD Visa, which is centrally run out of Ontario. You might be able to go in a TD branch and make a payment on your TD Visa, but that's about all you can do. Any kind of interaction between the customer and the company has to be handled by phone to the central office (or one of their call centres, wherever they all might be).

I do have in mind to see what the bank's office of the President has to say on the matter. Got a call from TD's customer relations centre today (which I recorded…for quality purposes, of course!) wherein I was advised they've referred the matter of interest to the regional office for my area, who will be in touch within the next couple of days. We'll see how (and if) that goes.