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

I would hold my breath until the money was credited back to my card. Then I would pay the card off and close that account. The reason I would hold my breath is if this issue lands on legals desk you will probably not get anything. Each charge was clearly stated on your monthly billing statement. If the charge was not authorized you only have so many days to notify them. That means that you were negligent as well. It is my opinion that they would rather spend tens of thousands of dollars on legal fees than set a precedent for other customers to demand full and complete refunds plus interest for charges over 90 days old. Good luck!
~Michael