I have two great (bad) fraud stories with TD Bank. I once had my card declined buying groceries, which ultimately took several hours to unlock. The cause? The

I have two great (bad) fraud stories with TD Bank. I once had my card declined buying groceries, which ultimately took several hours to unlock. The cause? The $1.25 transaction for the fancy air compressor at the gas station to fill my tires. No biggie, had to re-shop when my card was eventually unlocked a few hours later by their slack-ass fraud department. The second story, I once had my card declined purchasing groceries and found my account was -$750 dollars or so. An old gym I had cancelled my membership was acquired by another firm, and this new firm apparently thought I was still a member and owed several years worth of $54 a month fees. Now, instead of doing (3 * 12 * 54) in a single transaction, or $54 transactions 36 times they just started hitting my account for $100 in serial, then for some reason switching to $50 in serial, and then $25 in serial until I was comically in the hole. The bank manager was able to freeze and deny further charges from the firm, initiate a fraud complaint, and ultimately had my money back in a week. Thankfully I had some cash in my safe for the duration. What boggles me is they were unable to interpret a company for which I had never made a prior transaction jackpotting my account as a fraud, but Thank God they stopped my $1.25 tire pressure refill.