As a senior citizen, why was I hooked with promised low costs and then hit with over $100 in fees on a return for a person with less than $14,000 in income?

Surprised that a product advertised as including state taxes, then hit me with an additional $39.99 fee for it.  I paid a total of $104.98 before I realized what was happening, but found no existing CUSTOMER SERVICE to get a refund before I filed the return.  The system is rigged to get more money and make it hard to correct any problem leading to excessive charges.  Is this really legal, never mind ethical!