Mypaydaybuilder.com
Complaint 78684 Details

On February 10, 2012, I received an email from Mypaydaybuilder.com that I was being charged a 1 time application fee of $30. I never even went on this website much less signed up for anything with them, so I checked their website out and upon logging in to see what it was about, I saw nothing but a downloadable booklet which had nothing to do with payday loans or anything. In the email it talks about other things not relating to payday loans too.

I emailed them that night after trying to reach by phone and couldn't. My email simply stated that I did not authorize this (or my husband) and that they needed to reply and explain/return my money. What happened next was deliberate on their end. They never replied to my email. This week (a week plus later) on Tuesday the 21st, they attempted to debit my account via a company called Paytrix Corporate E-transact for $30. My bank had been notified of this potential fraud and it didn't go through. Yesterday, they attempted to debit this again and right now as I type, I am waiting to see if it goes through.

My bank can't do nothing unless I start a fraud case and my husband and I are going to have to do this as soon as we can. My husband has called their office in Florida twice (the 21st and 22nd of February) and spoken to them and they have given conflicting stories. They said the account was canceled on the 10th and the $30 was refunded. If the money was refunded, why have they continued to try & debit this $30 from my account?!? We never even signed up for this and I don't know anything about them except for what research we've done the night we got that email from them.

They also told him that they would send us a confirmation email showing this but no email has arrived. My husband told them that this is wire fraud, a felony & to return out money with an email confirmation but they will not cooperate. I know it's only $30 but that is OUR money that we work hard for and to know that someone stole our account info via the internet is very unnerving. My fear is that this $30 will turn into a everyday situation or a situation where they try to debit large amounts of money before we can get the account closed with the bank.

My only guess as to how they stole our account information was when we applied for a personal loan online and somehow they managed to steal this info via an non-secure/non-encrypted website. We did get a loan from a whole different place which we have proof of but nothing even closely related to this Mypaydaybuilder scam.

Paytrix Corp. E-transact is what shows up on my account for the $30. Upon visiting their website, I saw that they are a processor of ACH or debit payments from accounts. I do not think they're the scammers per say but they are doing business with a scammer and that is bad. I have emailed Paytrix and hopefully they will cooperate. I have also emailed IC3's website since it's a government site that deals with consumer fraud. Thanks for reading, I hope it helps.