my money toolbox gave me a client ID using my email and phone number trying to take 29.95 for a member fee in which i did not apply for Saint George, Utah

I was trying to apply for a payday loan and as usual this is a company that cookies your information from a suppose to be secure website. I do not pay to get a loan especially a payday loan you are already paying enough. Buyer beware this is a practice of these companies especially your information be used in third world countries. They produced a bogas ID and used my email address as my user name and then used my phone number for the password. They have not produced the signed contract and yet they are telling me in an email that the funds of $ 29.95 will be deducted within 48 hours from the bank account i provided, what a scam. I want Justice and the right to be safe when i am web browsing.