At least, all was well until I got an e-mail from PayTrust informing me that all my upcoming bill payments, including my mortgage, car payment, and utility payments had been canceled and both of my funding accounts had been placed on hold. The reason? The stop payment I had issued for the power company. As I soon discovered, even though the listed destination of those funds had been the power company, and even though they were represented as already having left my account, and I had a payment confirmation code, PayTrust was still in the middle of this transaction. It paid the power company, and tried to debit the second payment from my account, which was refused due to my stop payment. Thus, PayTrust locked my account down. Not only that, but it canceled all my other bills -- six of them. My attempt to correct an error and not pay a bill twice had resulted in the inability to pay any bills at all.
For the first time in a decade of patronage, I called PayTrust. Of course, it had placed my account on hold on a Friday night, and thus I was calling on a Saturday morning. I spoke with a rep and explained the issue. His response was basically "too bad." If I wanted to, I could call another division on Monday, but no one there was around that Saturday. No supervisors were available, and "Even if we wanted to, there's nothing that can be done about this." I carefully explained to him that that wasn't an option, and that if my mortgage and car payments were late because of this, I was going to *&$!.
Because the crux of the issue was the fact that PayTrust was behind the scenes of this transaction, it had wound up out the money. I offered to have PayTrust pull an equal amount out of the account to satisfy its accounts and then deal with it on Monday. At least then I could pay my bills. Apparently, that wasn't an option either, at least until Monday, and even then I'd have to wait five business days before my account would be reopened. I had no recourse whatsoever. None. Essentially, this company was holding my finances for ransom, and giving me no real options to deal with the problem other than calling each payee and arranging for emergency checks by phone and the like. Instantly, I had an emergency on my hands.