Secret Cash Card Fraud By Secret Cash Card and Non-Authorization of Debiting My Account Monarch Bay , California Internet

Today, I received a statement from my bank that I have someone tried to debit my account of $49.95. Since my account was negative that I got a charged a NSF fee. I called the bank to see what this charge was and from who.

I found out it was from Secret Cash Card. I've never heard of them and have never been in contact with them. My bank told the number and website to go to and call them.

So I called their 866-496-1799 and it said the number was disconnected. So I went to the website and wanted to enter an inquire about why they debited my account without authorization but it says if I submit this that it will remember my IP address so I did not submit the request. I did not want them to know my IP address.

I have done payday loans before they have always asked for an e-signature to authorize putting money into my account as well to debit my account on my pay dates.

Apparently, this company is on payday loan websites but on the Secret Cash card site that it says it is not affliated with any payday loan companies which seems bizarre since they come up on payday loan site. Then I found their alternate number which is 401-228-9232 which is an answering service located in Rhode Island. All they say if you have any inquires please go to the website and e-mail them. They could not even provide any answers and they are suppose to be an answering service.

I would not even go to this site b/c the site says it where you can get a prepaid Mastercard and don't have to worry about SS#, personal info, and etc. I have my own debit card as well as a credit card. Why would I go to this site to obtain and stupid prepaid card where I can get something like this down the street from me.

Everything seems so bogus and I am furious. I called them back and told them off. I am working with my bank about this issue but it seems like it is going to go nowhere. This is absolutely ridiculous. FRAUD!!! I want my NSF charge reversed as well this company put out of commission.

Amanda
Herndon, Virginia
U.S.A.
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!

DO NOT TAKE NO FOR AN ANSWER!

Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.