A Swapland charge on your bank statement is a payment to Swapland LLC, a Florida-based online vendor that sells a cryptocurrency called millix (MLX). The charge almost always reflects a purchase made through swapland.io and processed by PayPal, so the billing descriptor may show either name. If you don’t recognize it, the fastest path is to email Swapland at sales@swapland.io, check your PayPal transaction history for a matching payment, and, if the charge really wasn’t authorized, dispute it with your bank or card issuer.
What You Actually Paid For
Swapland LLC describes itself as a “user-friendly merchant of millix and millix based products.” It was founded in 2022 by Danny D’Brito, who is also listed as a core team member on the broader millix project, and it is registered as an LLC in Florida with a principal address in Boynton Beach.1Swapland. About Swapland2Florida Division of Corporations. Swapland LLC – Detail
The site only sells millix; you cannot sell coins back through the platform. Payments run through PayPal, and Swapland adds a 5% service fee to each transaction.3Swapland. Frequently Asked Questions Millix itself is a niche, open-source cryptocurrency that isn’t listed on major exchanges like Coinbase.4Coinbase. Millix Price If no one in your household has heard of millix, that’s a real signal to look closer.
First Steps When You Don’t Recognize the Charge
Before opening a bank dispute, check whether the charge has an ordinary explanation. Open your PayPal account and search recent activity for a Swapland payment; because Swapland routes payments through PayPal, a legitimate purchase should show up there. Ask anyone with access to your card or PayPal login whether they made the purchase.
If the purchase was yours but you want out, Swapland’s terms set two short windows. You have three business days to cancel an order, but only if it hasn’t been fulfilled yet, and the company says orders are usually fulfilled within one hour.3Swapland. Frequently Asked Questions After fulfillment, you have five business days to email sales@swapland.io with your order details and request a refund. Swapland will send instructions for returning the millix, and once returned, it says a refund will be issued to the original payment method on the first available business day.5Swapland. Terms of Use
One caveat worth knowing: Florida corporate records list Swapland LLC as inactive with a pending reinstatement, and no annual reports are on file.2Florida Division of Corporations. Swapland LLC – Detail If email to the company goes unanswered, the bank dispute route becomes your practical option.
Disputing an Unauthorized Charge
Your rights depend on whether the charge hit a credit card or a debit card.
Credit Card
The Fair Credit Billing Act lets you dispute billing errors, including unauthorized charges. Federal law caps your liability for unauthorized credit card use at $50, and if the physical card wasn’t lost or stolen, your liability is $0.6FTC. Lost or Stolen Credit, ATM, and Debit Cards Send a written dispute to your card issuer’s billing-inquiry address within 60 days of the first statement showing the charge. Include your account number, a description of the charge, and any supporting documents. The issuer must acknowledge the dispute within 30 days and resolve it within 90 days. You don’t have to pay the disputed amount or related finance charges while the investigation runs, and the issuer can’t report it as delinquent or send it to collections during that time.7FTC. Using Credit Cards and Disputing Charges
Debit Card
Debit card protections turn on how fast you report. Notify the bank within two business days of learning about the unauthorized transaction and your liability is capped at $50 (or the amount charged, whichever is less). Wait longer and liability can rise to $500. Go beyond 60 days after the statement was sent and you could be on the hook for the full amount.8FDIC. What Should I Do if I Have Unauthorized Charges on My Debit Card After you file the dispute, the bank generally has 10 business days to investigate. If it needs longer, it typically must issue a temporary credit while it continues. Final resolution usually comes within 45 days, though it can stretch to 90 days for certain transactions.9CFPB. How Do I Get My Money Back After I Discover an Unauthorized Transaction
Where to File a Complaint
If Swapland doesn’t respond and you want to escalate beyond your bank, Florida offers two consumer complaint channels. The Florida Attorney General’s Consumer Protection Division enforces the state’s Deceptive and Unfair Trade Practices Act and takes complaints online through myfloridalegal.com or by phone at 1-866-966-7226.10Florida Attorney General. Consumer Complaint Form The Florida Department of Agriculture and Consumer Services also accepts complaints at 1-800-435-7352.11FDACS. Consumer Services At the federal level, you can report a suspected scam or fraudulent charge at ReportFraud.ftc.gov.12FTC. Weird Charges on Your Credit Card Statement