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Report: #226337

Complaint Review: Secret Cash Card Service - Internet

  • Submitted:
  • Updated:
  • Reported By: conyers Georgia
  • Secret Cash Card Service secretcashcardservice.com Internet U.S.A.

Secret Cash Card Service went into my account wiyhout authorization!!!Dishonest and fraudulant! Internet

*Consumer Suggestion: Additional dispute advice

*Consumer Suggestion: Immediate Results!

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I always check my account.So,this morning I check my account and iy's been debited 49.95.I immediately called the bank.I never authorized this nor had I even heard of this company.There has to be some type of justice.These folks are taking money from people whom never authorized.then I call the co. and they give you some bullcrap number to call,all for the people at that number to tell you to go online.

Nickey
conyers, Georgia
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.

This report was posted on Ripoff Report on 12/19/2006 07:03 PM and is a permanent record located here: https://www.ripoffreport.com/reports/secret-cash-card-service/internet/secret-cash-card-service-went-into-my-account-wiyhout-authorizationdishonest-and-fraudu-226337. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#2 Consumer Suggestion

Additional dispute advice

AUTHOR: E - (U.S.A.)

POSTED: Thursday, December 28, 2006
The existing dispute advice is a good Idea, but only if SecretCashCard has taken money out of your account electronically (the formal name is called an 'ACH' transaction). Reg-E's CAN be filed on such debits from an account.

SecretCashCard DOES use another method, however, that is NOT covered under the Reg-E guidelines. It shows on your account as though it was a paper check (usually #9999 or some other bogus number). This is usually referred to as a 'pre-authorised draft', and depending on your financial institution, may require you to follow different timeframes and reporting rules. You may also be required to close your account and reopen a completely new one with a new account number.

Again, the best advice here is to ALWAYS closely monitor your bank statements. If your bank provides online banking, sign up! It will provide you with transaction information a lot faster than once a month, and can prevent those evil timeframe denials.
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#1 Consumer Suggestion

Immediate Results!

AUTHOR: Robert - (U.S.A.)

POSTED: Wednesday, December 20, 2006
Ok. I was in the exact same boat as everyone else here. I too was looking for extra cash due to a family emergency & found that I was debited in my acct, $49.95. Amazing. So I called.

They stated that I had to go through some website to claim my case. I did it & the response was not what we all would wish for. No refund for me. (In walks Columbo in my head that is.) SO I started to do research & what I found gave me INSTANT RESULTS!

I will share this now. I called a different number.I stated that I was contacting my attorney, the BBB, the Attorney General of California, & the media. The response was that a check would be mailed within 7-10 days. I got it OVERNIGHTED to me. Amazing. So here is the info. good luck to all! The REAL number 401-228-9232, listen to the prompts. I dialed #3 for a man named JERRY KLINE. CEO! Good luck everyone!
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