Hello to all that have been ripped off by this company.
Integra Financial are scam artists. They contacted me saying that they were an authorized agent for MAstercard and that they could approve me for a $2000 Mastercard with 0% interest for 3 years and after that 8.9&. They also said that they would report to all the major credit agencies quarterly. These people already knew a bulk park of my information and like an idiot I helped them fill in the holes. AHHHHH!!!!
I gave them my checking account information and agreed to pay the $249 fee. The next day I was thinking more and more about this and decided that I would try and contact Integra Financial Benefits and ask them a few questions. However the phone number that I was given, 1-866-484-6234, took me to an answering machine.
SHADY! SHADY! SHADY! I immediately looked online for a business profile, something I should've done in the first place, and all I found for this company was complaints, complaints, and more complaints. I immeditaely contacted my bank and put a stop payment on the check that I wrote for them. So we will see what happens from here, hopefully I will not end up loosing $249. Did you know that since Jan 1. of this year that there have been over 350 complaints against this company.
I am interested in filing a lawsuit against this company for fraud. And against Global Marketing as well. I called Global Marketing @ 888-835-1797 and their representative told me that they are still the current Processing company for Integra Financial Benefits and they received complaints agianst this company daily. DAILY! Yet no one thinks this is shady. I say they are just as responsible and involved in this fradulant activity.
Something needs to be done about this company. We should do something about this company. They cant just continue to pray on people like this. It is wrong. What can we do though? Does anyone have any suggestions.
El Cerrito, California
U.S.A. EDitor's Suggestions on how to get your money back! 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. CHARGES TO YOUR CREDIT CARD
If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.
And good luck Let us know how you do!
ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates. ...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency ...by consumers, for consumers CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.