I posted this previously... this is an update.

I logged on to their site, filled out their "ticket" and proceeded to have a lengthy conversation with "someone" who kept trying to explain to me how I "authorized" them to withdraw funds from my account.

They tell me that on a site that I used to apply for a payday loan, they had an advertisement that "I marked YES" to in order to request their secret card. Obviously, it was hidden well as an advertisement because I did not mark anything to "buy" a secret credit card from them that requires me to put money onto in order to use it.

Needless to say, they were all about "justifying" why they were allowed to withdraw funds from our checking account. I told them numerous times I did not order and did not want their service. Finally, they gave me another "customer service" link that will process refunds. I did that and am now waiting to get my refund.

But, don't expect to get any refund on OD charges applied by the bank if their withdrawal caused an overdraft. They say they are not responsible for them.

My bank has had us change checking accounts which has caused us all kinds of other work to change all our billings, payments, etc. We now have a new checking account where they can't get to us again.

Hopefully we will see our refund at least for the $54.95.

For refund,
Please fill the form at http://www.secretcashcardservice.com/cgi-bin/refund.cgi.