Product: Money transfer, virtual currency, or money service

I have a small business. My issue is with a monthly charge that has been taken from my business account monthly since XXXX. The line says simply XXXX. It started at {$49.00} and has worked up to {$250.00} dollars. I had contacted my local bank a few times over the years, but they said they had no way of tracing who was withdrawing the money. I had searched XXXX a few times and found finally found a business online with that name ( this whole time remember I am trying to keep my business afloat, so I had bigger issues on my mind ). When I called XXXX, the nice woman I talked to said that she gets calls about it regularly, but she had no idea who that XXXX was. She did say that XXXX is just a generic credit card processing term and probably not the company 's name. Equipped with that information I contacted my previous processors, but they all said I was cancelled. I had essentially given up and was busy dealing with the business environment of XXXX and XXXX. 
However recently I received a letter from a Paysafe, a processor, who said they were raising my rate. I had no idea who they were but through research I figured out what happened. 
Paysafe or whatever their name was in XXXX or XXXX was either a processor I had or a secondary part of one. Either way when I sent them the cancellation letter sometime in that timeframe as I switched providers, they evidently ignored it ( actually pretty common-that is a story for another day. But all that have done that to me cancelled on their own with 60-90 days of no activity ). This where Paysafe 's methodology goes from a little dirty to what I believe are actually deceptive practices. 
My research turned up the only email I could find based on what their customer service representaitve told me to look for. It appears that I received an email in XXXX of XXXX from " XXXX that says " to activate your account click here ''. I generally do not do that on random emails from someone I don't know. At that point Paysafe or whatever it was called th the time then switched all correspondence to this portal. I confirmed that today with their rep. So, unless the consumer knew to sign up on this singular email from an unrelated company, all communication or proof of transactions effectively disappeared. They essentially became a thief in the night. When I finally found them out, they pointed to a contract I signed years ago and went with the just because it's wrong does not make it illegal defense. There representative told me that even though I had not used Paysafe in years how did they not know that I was not okay with sending them thousands a year in case I wanted to use their services at some point ; after all I never told them to stop. 
This is where I believe they are wrong. If you cash a social security check weekly from someone who is incapable of telling you no it is illegal-same principal. This is why I am also contacting the FTC To sum up : 1.Paysafe effectively shut off any communication lines-the old unlisted number trick 2. They chose ambiguous terms on their ACH to prevent any way to figure out who was doing it. I have a lot of withdrawals and have never had that. That seems like an " on purpose '' thing. Honest people do not hide their tracks 3. With no contact ability and no traceability there is no way to tell someone no. It is not a valid legal excuse to say the victim did not look hard enough 4. Finally everything about this gives me an impression of a business model developed to bilk the 10 % of their money As a nation we have passed laws to stop that rampant " late night tv 100 % money back " scams. We no longer expect the consumer to spend years doing follow-up in hopes that 90 % give up. I believe there are many others like me trying to figure out who this mysterious MTOT is that is taking their hard-earned money on a monthly basis