I had made a purchase from a company online that promised a 30 day trial period before billing one's account. Once I completed the transaction, my account was immediately charged. Upon discovering the immediate charge, I phoned TD BANK'S Customer Service to freeze my account. They failed to timely freeze the account, and as a result, they wound up charging me $380.00 in fees. I went through hell with this bank trying to get some customer protection. I tried dealing with their so called "chairman services center, " with no satisfactory results. It was a waste of time, meanwhile, the fees mounted. I then went to the main branch in my city to see the manager, and was told that I would be well taken care of. I was then given a woman to talk to who informed me that all the fees had been reversed, but she lied. As of this moment, the fees are still there. The site I requested the trial period from was somewhat scamming people with a trial period offer, and they are based in Malaysia, so taking legal action there would be pissing in the wind. The transaction happened through PLIMUS, the online banking thingy. (Similar to paypal). Once I recognized what happened, I called the bank, this company PLIMUS, and tried to call the company from Malaysia, but no one answered.

I find it amazing that the Banks are screwing their own customers, and doing more to protect scammer vendors than they are their own customers.

Something needs to be done, legislatively, to stop banks like TD Bank from screwing their most vulnerable customers, or any customer for that matter. In this case, I am on disability, and almost every cent goes to rent, food, and utilities. I cannot afford this crap, and the typical response I get from them is, "well, don't buy anything online."

I've watched this Bank's processing of deposits and debits, and I've witnessed this bank process their debits before deposits, especially over weekends, I can also prove how more fees are assessed to an account by "their" failure to process transactions for the benefit of their customer. It's robbery if you ask me, legalized robbery!

In this circumstance, I took screen shots of each and every step of the process (the 30 day trial promise) and TD Bank would not listen, or even meaningfully review the documents. I also had my screen recording at the time of this trial purchase, and they didn't even want to see that.

I am very angry over this conduct by TD Bank, and plan to take some serious action immediately.

I believe ANYONE with direct deposit accounts with TD Bank are vulnerable, and could be getting screwed with fees.

I will be lodging complaints with the federal trade commission, the federal reserve, as well as filing suit in the US District Court here in Boston. I will also contact all of my blogger friends to write about this incident, and many others like it, to warn people with direct deposits of these tactics.

Online banking can be extremely dangerous, and as far as the TDBank is concerned, their fees take precedence over their customer's financial stability and security. I had definate proof of being scammed and they were apathetic to that reality. $380.00 in fees can really hurt a guy, especially when he's on disability.

I would NOT recommend TD Bank to anyone in the future, in fact, I would warn against getting involved with them, period! You will be lied to and considered "wrong" for their failures.

Just a heads up folks,

Walter.