[COLOR=rgba(0, 0, 0, 0.870588)]09/19/2018[/COLOR]
On 10/27/17, I made a $63 deposit via my TD Checing account to NYRABETS, a legal horse racing betting account. On 11/1/17, I discovered the deposit was declined by my bank due to insufficient funds. Totally my fault. Once I realized it on 11/1/17, I immediately contacted NYRABETS to straighten it out. I was told by Account manager "Q" that due to recent changes to all NYRABETS accounts, my account had been suspended and immediately sent to their Collection Agency, Payliance. This was news to me as I was never informed of changes to my account. Nonetheless, I contacted NYRABETS several times over the next week via phone, email, and their live chat feature on their website to try to pay them what I owed($63) plus any fees($25). No one would return my emails or calls. Several days later, NYRABETS withdrew the $63 from my TD Checking account, which I was happy about. My real concern was that a few days after that, Payliance withdrew $25 from the same account,even though I never authorized them to access my account. So for about a year now, I have been emailing both companies, requesting proof that Payliance ever had my permission to access my checking account and proof that NYRABETS had my permission to give that access away, to no avail. I finally received a few return emails from NYRABETS two days ago claiming they "reserve the right" to collect fees in any matter they choose. My argument is no reasonable person would ever agree to have their checking information released to a third party without their consent, especially after their account terms were changed without notice. I also noticed that Payliance put a negative report on my credit report one week ago. I disputed it with Experian, and Experian removed it in three hours, which has to be some sort of record. To this day, I am willing to pay NYRA the $25 fee they require for a returned payment, I just refuse to pay a shady third party collection agency that accessed my account without my permission, after terms of my NYRABETS account were changed without my knowledge or notification. On top of that, I'm making this complaint because I know if it happened to me, it has potentially happened to hundreds of people. NYRABETS customers deserve to know that their checking account information is not secure.