Secret Cash Card has illegally tried to debit my account even after I told them not to. They do not have a main office. I called their number only to get a rude woman who would not answer any questions and referred me to the refund webpage and customer service website. I have listed our conversations below so that everyone can see what kind of rip-off artists they are. If you apply for a payday loan be sure to actively search and scan for their deceptive advertisements carefully before you hit that "next" button and enter your information. These people are nasty scoundrels and they will keep charging you even after you tell them not to. I have gotten several NSF fees from returned ACH charges.
If you recive a withdrawl (s) that lists check#000009999
Beware!!!
If anyone has worthwhile suggestions please reply to
(ror redacted e-mail address for security purposes)
The conversation with SCC has been as follows:
Subject More Info Group -
Status Open Operator assigned
Created 11/28 08:18 Customer kk
Solved - Access key
KARA
11/28 08:18 City, State ZIP: GRAND RAPIDS MN 55744
Street Address:
TO WHOM IT MAY CONCERN,
I do not want your secret cash card. I recieved a 29.95 nsf fee for you trying to withdraw 49.95 dollars from my checking account. I don not want your card so please reimburse me the 29.95 dollars. I do not want your card and i do not authorize any electronic payment or any other type of payment from my checking account. I do not authorize the passing on of any information. Shred any documents or information that is in your systems as well as wipe my information from your collected data. I expect a confirmation within 12hrs that this was done. If you attempt to bill me again after recieving this email, i will take legal action to rectify the problem.
I have also made copies of this email to be sent to my lawyer if if you do not comply. I will take legal action if neccesary. This message was written at 10:14 am central time us you have 12 hrs to respond with a confirmation number or i will assume you are not a business in good standing and are commiting fraudulant activity through guile and deception.
Kk
Secret Cash Card Support
11/28 08:50 Hello,
We advertise in the same places as cash advance loan applications. Our records indicate that you authorized us at the time you completed that application. You provided your bank account information and authorized a $49.95 charge to the bank
account you provided.
The following was the advertisement.
YES / NO - A Virtual PrivaCashR prepaid Debit MasterCardR is the only way to shop online without anyone else knowing. Just load the card with
cash and make purchases anonymously. NO credit check, NO link to personal credit information, NO bill mailed.inSTANT APPROVAL AND ISSUE.
It's the perfect solution if you want to protect your privacy. Check "Yes" and you will receive your PrivaCashR prepaid Debit card including
lifetime free access to Secret Cash Card privacy tools to protect your identity. YOU HEREBY AUTHORIZE SECRET CASH CARD to debit your bank account for the one time enrollment fee of $49.95.
By agreeing to the offer above, you legally authorized us to debit your bank account. We emailed the card number and your membership access If this was a mistake or oversight on your part, please let us know the
details of the situation. If this authorization was fraudulent, when someone else has gained access to your financial information, then you should immediately take steps to prevent further fraudulent use.
Secret Cash Card Customer Service
Kk
11/28 19:33 As I said before, I do not want your cash card and I absolutely did not have any idea that i even signed up for it. Please do something about this situation ASAP. I am a poor person who only gets so much money per month. You tried to bill me the 50.00 dollars and I do not have that at all. Why would I be trying to get a payday loan if I had 50.00 dollars to throw away? Please rectify the situation and do not attempt to bill me again.
Kk
Secret Cash Card Support
11/28 20:49 Hello,
while applying you service such as cash advance loan applications legally authorized us to debit your bank account.
It may be mistake or oversight on your part or some one misused your financial details.
We have authorization details including the computer number (IP) etc.
We have already issued the card. It is virtual card sent to your email. If you have not received, we can send again.
I request to take some time & check out the link,
http://www.secretcashcard.com/learnmore.html
This is one time charge for life time usage.
Unlike the ordinary credit card, this card is the safest & no chance for misuse.
Secret Cash Card Customer Service
Kk
11/29 03:05 i don't want the card so don't bother sending it and do not bill me again. I do not care. It was a mistake and i absolutely do not want your card. I do not want the secret cash card. I do not authorize any electronic debit out of my account. Your authorization is null and void as of 10:14am on monday. I do not want the card. Do not send me the card and i have never recieved or used it. I do not authorize any electronic funds to be withdrawn. I have no money in my account. If you continue not to listen to what i am telling you not to bill me again or you will force me to report your business to the bbb as well as to the police for fraud. Whatever authorizatio0n you have has no bearing on my request that you not bill again or issue a new card. I don't want your service and never did. If any authorization was made it was by mistake and i from yesterday on, do not authorize any more debits from my checking account. I don't want to learn more. I do not want the card. Period. I have spoken to my bank and told them that they are not to accept debits from your service. Thanks to you, i am in the hole in my checking account by over thirty dollars. I do not want your card. I do not want your card. I do not want your card. I do not, i repeat, do not authorize an7y debits to be made out of my account by your company or your affiliates or employees. I do not want your card or any other service. I am not interested and absolutely, without any doubt want your card or to be billed anymore. Your 49.95 was rejected and will continue to be rejected even if i have to close my account. Do not send me anything further to do with your card or billing me electronically!!!
Kk
Secret Cash Card Support
11/29 05:57 Hello,
For refund,
Please fill the form at http://www.secretcashcardservice.com/cgi-bin/refund. Cgi
After filling this form our refund department will contact you in 24 hours.
We can refund the charges debited by us.
We can not refund the charges not debited by us.
Please fill the form only if the charge is actually debited from your account & not returned by your bank. This is one time charge & no action is required from your side if the charge is not actually debited.
The card gets canceled automatically if you have not activated it.
We hope you will buy our card in future when the need arise.
Secret Cash Card Customer Service
15:14 don't want the card so don't bother sending it and do not bill me again. I do not care. It was a mistake and i absolutely do not want your card. I do not want the secret cash card. I do not authorize any electronic debit out of my account. Your authorization is null and void as of 10:14am on monday. I do not want the card. Do not send me the card and i have never recieved or used it. I do not authorize any electronic funds to be withdrawn. I have no money in my account. If you continue not to listen to what i am telling you not to bill me again or you will force me to report your business to the bbb as well as to the police for fraud. Whatever authorizatio0n you have has no bearing on my request that you not bill again or issue a new card. I don't want your service and never did. If any authorization was made it was by mistake and i from yesterday on, do not authorize any more debits from my checking account. I don't want to learn more. I do not want the card. Period. I have spoken to my bank and told them that they are not to accept debits from your service. Thanks to you, i am in the hole in my checking account by over thirty dollars. I do not want your card. I do not want your card. I do not want your card. I do not, i repeat, do not authorize an7y debits to be made out of my account by your company or your affiliates or employees. I do not want your card or any other service. I am not interested and absolutely, without any doubt want your card or to be billed anymore. Your 49.95 was rejected and will continue to be rejected even if i have to close my account. Do not send me anything further to do with your card or billing me electronically!!!
12-05 service charge ck#000009999 amt 49.95
-29.00 returned chk fee
11-30 service charge ck#000009999 amt 49.95
-29.00 returned chk fee
12-07 service charge
-4.00
12-08 service charge
-4.00
repay me. I have already spoken to my bank about this matter. They say your actions are fraudulant and since i talked to you and told you not to charge me and that i did not want your fake card in the first place, that i can sue for the amount listed above.
Kk
15:23 Secret Cash Card Support
11/29 05:57
"The card gets canceled automatically if you have not activated it."
I have not activated it and AS I SAID BEFORE, I DON'T WANT IT." YOU PEOPLE ARE NOT TAKING "NO" FOR AN ANSWER. I FORMALLY WITHDRAW ANY AND ALL CONTRACTUAL AGREEEMENTS THAT WERE MADE AT THE TIME OF THIS ADVERTISEMENT.
The following was the advertisement.
"YES / NO - A Virtual PrivaCashR prepaid Debit MasterCardR is the only way to shop online without anyone else knowing. Just load the card with
cash and make purchases anonymously. NO credit check, NO link to personal credit information, NO bill mailed.inSTANT APPROVAL AND ISSUE. It's the perfect solution if you want to protect your privacy. Check "Yes" and you will receive your PrivaCashR prepaid Debit card including lifetime free access to Secret Cash Card privacy tools to protect your identity. YOU HEREBY AUTHORIZE SECRET CASH CARD to debit your bank
account for the one time enrollment fee of $49.95.
By agreeing to the offer above, you legally authorized us to debit your bank account. We emailed the card number and your membership access If this was a mistake or oversight on your part, please let us know the
details of the situation. If this authorization was fraudulent, when someone else has gained access to your financial information, then you should
immediately take steps to prevent further fraudulent use."
Your charges accured after I wrote this:
kk
11/28 08:18 City, State ZIP: GRAND RAPIDS MN 55744
Street Address:
To whom it may concern,
I do not want your secret cash card. I recieved a 29.95 nsf fee for you trying to withdraw 49.95 dollars from my checking account. I don not want your card so please reimburse me the 29.95 dollars. I do not want your card and i do not authorize any electronic payment or any other type of payment from my checking account. I do not authorize the passing on of any information. Shred any documents or information that is in your systems as well as wipe my information from your collected data. I expect a confirmation within 12hrs that this was done. If you attempt to bill me again after recieving this email, i will take legal action to rectify the problem.
I have also made copies of this email to be sent to my lawyer if if you do not comply. I will take legal action if neccesary. This message was written at 10:14 am central time us you have 12 hrs to respond with a confirmation number or i will assume you are not a business in good standing and are commiting fraudulant activity through guile and deception.
Kara
Also, as you should know that the law provides that when a person enters a contract, they must sign it. I made no signature. Also, any charges made to my account after the above date of my first denial of use of my account will be considered fraudulant.
Like i said, i have spoken to my bank. You will be brought up on charges under minnesota state law if you do not rectify the situation asap.
Kk
Subject Refund Group -
Status Pending Operator not assigned
Created 15:04 Customer
Solved - Access key
KARA
15:04 City, State ZIP: Grand rapids, mn 55744
Street Address:
KARA
15:13 12-05 SERVICE CHARGE CK#000009999 AMT 49.95
-29.00 Returned Chk fee
11-30 SERVICE CHARGE CK#000009999 AMT 49.95
-29.00 Returned Chk fee
12-07 SERVICE CHARGE
-4.00
12-08 SERVICE CHARGE
-4.00
Repay me. I have already spoken to my bank about this matter. They say your actions ARE fraudulant and since I talked to you and told you not to charge me and that I did not want your fake card in the first place, that I can sue for the amount listed above.
Don't let this happen to you!!!
Kara
Grand Rapids, Minnesota
U.S.A.
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