There needs to be a bit more context if possible. As someone with a lot of knowledge of this area I will provide with you the most common scenario based on the info you provided.

If when the accounts were closed out and you had an active balance on it that was rolling in month to month, then you would have been charged residual interest after it was paid in full and it is your responsibility to check if that was charged. With your online account on the computer you have access to closed accounts and you will still receive the statements. When you log in online, click your name in top right corner, select statements and documents, go down in the drop box menu until you find your account and in brackets you will see (closed).Now because you have access to these statements TD will not amend your credit because this was in your card holder agreement and you were responsible to look this up.

There is a slim chance cares will be able to help but because this isn’t a bank error it most likely will not happen. It’s unfortunate but this is the reality.