• Report: #548346

Complaint Review: 200cash.com

  • Submitted: Fri, January 01, 2010
  • Updated: Sun, January 03, 2010

  • Reported By: Tracey — Myrtle Beach South Carolina United States of America
200cash.com
Internet United States of America

200cash.com took $19.00 out of my checking account on 12/30 and then made up a check under the name of Consumer Advance Credit and took another $69.95 out of my account on 12/31. Internet

*Author of original report: Update

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Times are really tough for my husband an I right now so on 12/28 I went on a web-search for Advanced Payday Loans.  I was only looking to do $200.00 so the web-site I went on wasn't specifically 200cash.com (I can't remember exactly what it was) but depending on the dollar amount you want to borrow it generates 200cash.com; 300cash.com, etc...again I only wanted $200.00 thus the 200cash.com.  I did go through as far as giving pertinent information out such as social security #; bank account information etc...very, very stupid on my part but sometimes when a person is desperate they don't think of these things because web-sites tend to "tell you what you want to hear". 

Ultimately, at the close of everything the web-site brought up this screen that showed a check made out to them for $260.00.  When I came to my senses and common sense set in at the bottom is gave you the choice to either yes everything or "No Thanks" which is what I clicked on and it bounced me out.  The same day; 12/28 my husband received to different e-mails from this company.  One being the "Received Application" the other was pdf form and it was the "Loan Agreement".  With the loan agreement we were supposed to print it off; sign and date it and take it to the bank and have it notorized.  We then were supposed to fax it to the number that was on the form.  We did none of this.  I've saved the only two mails received from this company.  It did prompt me to sent an e-mail to the address on the mails--which I completely stated I never carried through with their process; they were not authorized to charge our checking account for anything; and if they did I would dispute any and all charges and turn them in.  I also have this copy as well.  No reply-of course and on 12/30 they took out $19.00--again not authorized.  I contacted my bank only to be told that they filed a dispute but it would take 90 days to reverse the charges---I was not happy about this.  At any rate again on 12/31 a fictious check showed up in my account and took another $69.95 out--again  not authorized.  It's blatantly a fraud.  I don't use paper checks in my checking account and it looks as though someone tried to forge my husband's name on the line.  I'm really believing that 200cash.com is the same as Consumer Advanced Credit because it's the only site I went too.  Being that it's New Year's Day I've already tried contacting my web-banker which is M & T Bank and everything is closed today.  I will, however, contact them first thing in the morning; demand my charges be reversed--and thank you so much for posting  about Federal Regulation E because I will not only use that when I contact the bank in the morning but if they still don't immediately reverse my funds(these 2 transactions are going to cause 5 items including the 69.95 to bounce and they will charge 37.00 per transaction for a total of $185.00 in additional charges---money I do not have) I will also contact the local TV station in New York (that's where I'm from and that's where my bank is at) and have them investigate it further.  I'm sure though I won't have to go any farther then using the Federal Regulation E.  I will post how I made out on 1/2.


This report was posted on Ripoff Report on 01/01/2010 06:49 AM and is a permanent record located here: http://www.ripoffreport.com/r/200cashcom/internet/200cashcom-took-1900-out-of-my-checking-account-on-1230-and-then-made-up-a-check-unde-548346. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Author of original report

Update

AUTHOR: Tracey - (United States of America)

I contacted my bank on Sat.  They told me the 19.00 would get reversed and that would probably take 2-3 days and not the up to 90 days that the web banking originally told me it would.  The 69.95 is a total joke.  The man at my bank stated that it's an electronic check--that there must have been something in this contract that I did agree to and therefore it generated an electronic check.---not true; I called him a liar; I know what I did and didn't do---I didn't authorize anything.  Anyways electronic checks are handled differently.  They don't fall under the Federal Regulation E---at least that's what he said and that I would have to fill out this "Affidavit of Fraud" get it notorized and send it back to them.  It would get investigated but unless I get the actual company to reverse the charges I'm out the 69.95.  This check is blatantly a fraud---signature and everything else is a fraud and yet this is what they tell me.  So we contacted out local police department and filed a report with them.  The said it would probably be as far as it goes as it's an internet thing and would have to be handled through internet complaint centers----IC3.  We already did that so my husband went as far as contacting our local FBI office.  They told us to file a report with IC3 and we already did and they gave us a number for the Secret Service.  They weren't available on Sat. so we left a message and they are supposed to call us back when they're in on Mon.  I will let you know how that all pans out.  I also called the Plaza Bank---and they aren't open on weekends so I left a general message for all the "Powers that be" about how upset I was and my words were not pleasant and I left my phone number and then I called the number that was on the check and opted for #2 that's for the banks calling to dispute for consumers.  It left another number and I called it and left a really  nasty message so we'll see how that pans out as well and I will let you know.  This is all that happened in just a couple of hours on Sat. morning.  Will update after we find out more on Monday.
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