Secret Cash Card debited my checking account without authorization for $49.95. I went online and applied for a loan. After filling out the application, I began to receive phone calls by the dozens from companies willing to give me high interest loans. I declined all of these "sketchy" offers.
After receiving calls from many companies for several days, I noticed a debit transaction for $49.95 in my checking account. I quickly called my bank, which then applied a stop payment (waived the fees) to any future transactions with this amount. However, they advised me to change my account number. What a mess!
My bank had trouble reading the company information on the electronic check but of course my name and banking account information was readily legible. I finally retrieved the company information and a 1-866# that redirected me to call another number... 401-228-9232. After letting the phone ring for about 15 minutes, a woman picked up the phone and quickly put me on HOLD. I sat for another 15 minutes and the phone rang again. After sitting on the phone an additional 25 minutes (total telephone wait time was 55 minutes), I had to give up.
I went to the suggested website I got from Rip-off Report.com and filled in the information to receive my refund, although I am certain, judging by the previously received "customer service", I won't receive anything back.
This has got to be illegal! Although my bank is investigating it, I am currently out the $49.95 until they reach a determination. I am a single mom on a fixed military income, how can they get away with this???