I'll explain this to you in simple terms as it seems you're either illiterate, or mentally challenged.
TD Canada Trust is a bank in Canada. They offer Visa products under the brand name TD Visa. (TD being short for Toronto-Dominion).
I work as a customer service agent for TD Visa. When a TD Visa cardholder has problems with their cards (including charges they don't recognize), they call me, or one of my co-workers.
When the charge is from a 3rd party processor that I recognize, I inform the cardholder to visit the processor's customer service page, enter the information required and see what comes out.
Many people now have either DSL or cable lines so it's not a problem for them to be on the phone or the internet at the same time. Or some call from work.
While I'm on the line, they visit
http://www.supabill.com/custsvc/cancel.asp for example. They enter their card number and they receive the URL of the site they signed up for as well as their username and password.
Many people then say "Ooooh... I remember that." or "Well, that must be my husband/girlfriend/roommate/son/etc."
Those who still don't recognize it must then send us a signed affadavit stating they did not authorize the charge before it can be disputed.
If this isn't clear enough KimmyKim, let me know and I'll draw a picture for you.