- Report: #140871
Complaint Review: Spectra Financial Benefits
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| Spectra Financial Benefits 100-A Walnut St. #253
Champlain, New York U.S.A. |
|
Spineless Spectra Financial Rip-off ripoff, lied, stole money, rude woman that answers phone Champlain New York
*Consumer Comment: Spectra; Integra; CoreCo; Majestic; et al.
*Consumer Suggestion: This is not an all inclusive method of combatting this company but all the steps may be beneficial - be prepared for the off shore scam artisits
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I reported previosly how spectra ripped me off for $249. I fell for the $2000 credit limit with 0% interest for 3 years also. Well, I did get my money back but not without a fight. First, I called Spectra (what a waste of time). I think this rude woman is answering the phone out of her house. She's the only one I ever get when I get her. She claimed they are not a credit card company and my $249 was for the "benefit package" that I could have gotten free elsewhere.
I told her I wanted my money back and she told me it was non-refundable. I told her I looked their company up on the net and I already know they are scamming everyone they can. She repeated that I wasn't getting my money back.
I then called the processor in Cali and spoke with a man named Johnny. He said he could put in for my refund but they stopped processing for Spectra on Feb.19 due to several complaints like mine. My account was debited Feb.21. What luck!
The only thing that worked was going to my bank and unauthorizing the debit. You only have 60 days to do this. I went in on day 59. I signed an affadavit the bank lady typed up for me. She told me she had never seen a company not give the money back when requested from a bank. That was less than a week ago and today I was called from the bank. Good news! My money has been put back into my account. I am being charged a $30 stop payment fee due to me compromising my own info. to the company to begin with and giving them permission to debit in the first place. I wouldn't have been charged this fee if only I had said I never authorized it in the first place.
Best advice to anyone whom has been ripped off by this company. Don't waste your time on the phone with that lady. She's part of the "plan". Just go to your bank and do it ASAP and unauthorize the debit. Yes, it's some paper work but it's worth it and the company isn't getting away with your hard earned money. Hope this info helps.
Stacy
Hinesville, Georgia
U.S.A.
I told her I wanted my money back and she told me it was non-refundable. I told her I looked their company up on the net and I already know they are scamming everyone they can. She repeated that I wasn't getting my money back.
I then called the processor in Cali and spoke with a man named Johnny. He said he could put in for my refund but they stopped processing for Spectra on Feb.19 due to several complaints like mine. My account was debited Feb.21. What luck!
The only thing that worked was going to my bank and unauthorizing the debit. You only have 60 days to do this. I went in on day 59. I signed an affadavit the bank lady typed up for me. She told me she had never seen a company not give the money back when requested from a bank. That was less than a week ago and today I was called from the bank. Good news! My money has been put back into my account. I am being charged a $30 stop payment fee due to me compromising my own info. to the company to begin with and giving them permission to debit in the first place. I wouldn't have been charged this fee if only I had said I never authorized it in the first place.
Best advice to anyone whom has been ripped off by this company. Don't waste your time on the phone with that lady. She's part of the "plan". Just go to your bank and do it ASAP and unauthorize the debit. Yes, it's some paper work but it's worth it and the company isn't getting away with your hard earned money. Hope this info helps.
Stacy
Hinesville, Georgia
U.S.A.
This report was posted on Ripoff Report on 04/28/2005 09:45 PM and is a permanent record located here: http://www.ripoffreport.com/r/Spectra-Financial-Benefits/Champlain-New-York-12919/Spineless-Spectra-Financial-Rip-off-ripoff-lied-stole-money-rude-woman-that-answers-pho-140871. 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.
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Spectra; Integra; CoreCo; Majestic; et al.
AUTHOR: Donna - (U.S.A.)
SUBMITTED: Sunday, May 01, 2005
Please do not forget to notify PhoneBusters in Canada. All these New York address's are actually out of Canada....NOT New York state.
PhoneBusters 888-495-8501
WWW.PHONEBUSTERS.COM
PhoneBusters 888-495-8501
WWW.PHONEBUSTERS.COM
Respond to this report!
What's this? #2 Consumer Suggestion
This is not an all inclusive method of combatting this company but all the steps may be beneficial - be prepared for the off shore scam artisits
AUTHOR: Thomas - (U.S.A.)
SUBMITTED: Saturday, April 30, 2005
Suggested action
Please call the Federal Trade Commission (FTC). I did and they advised that if enough people contacted them the could act as this activity crosses state lines. Contact your Local Better Buisnes Bureau. Contact the New York State better buisness bureau. Contact the New York State Attorney Generals Office. If the money hasnt been debited from your bank run, dont walk, to the bank and close the account and open a new one. My bank was very helpful in this.
Now be prepared for the off shore scam artisits. After failing to get any funds from me Spectra apparently sold my info to them and I now have had 6 overseas offers From various countries to place 12 to 50 Million dollars in my account and they will turn around and debit me for a portion of the funds back to their personnal accounts. If they want me to take the money they can send it by certified check and hope I return them a little. Needless to say I have not responded to their offer.
Be careful of any internet offer.
Please call the Federal Trade Commission (FTC). I did and they advised that if enough people contacted them the could act as this activity crosses state lines. Contact your Local Better Buisnes Bureau. Contact the New York State better buisness bureau. Contact the New York State Attorney Generals Office. If the money hasnt been debited from your bank run, dont walk, to the bank and close the account and open a new one. My bank was very helpful in this.
Now be prepared for the off shore scam artisits. After failing to get any funds from me Spectra apparently sold my info to them and I now have had 6 overseas offers From various countries to place 12 to 50 Million dollars in my account and they will turn around and debit me for a portion of the funds back to their personnal accounts. If they want me to take the money they can send it by certified check and hope I return them a little. Needless to say I have not responded to their offer.
Be careful of any internet offer.
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