Not sure how they got my cell phone number,but they called to offer me a unsecured credit card, 3 yrs 0% interest, $2000 credit line. I have bad credit, so it sounded good. All they needed was a one time fee of $249.00 to be automatically taken out of my checking account. Set up a date for it to be deducted--jan 25th, and it was actually taken Feb 4th, 2005.
They said that I was to receive the card in 10-15 business days from the time of the debit. That was to be March 16th(or close) 2005. So I called and it hadn't come yet. They said that it can take up to 25 business days. So i waited untill March 27th, 2005. Still no card. So I called again. They said that the computer said that it was sent out and that I was to recieve it the first part of the next week.
So on Sat, April 9, 2005, I get a package from them. It had a couple brochures, and a couple letters. One letter stated that I should be receiving the card in 25 business days from receiving this letter. The other letter said that I have to fill out the application included (there was no app included!), send it in, and then would recieve the card in another 2-3 weeks. So I called today, and they must only have 1 person answering the phone, because it is either busy or I get the voicemail.
So I looked up Spectra Financial on the internet an found more complaints on Spectra Financial. So I called my bank, they looked up the check, and it was cashed at a bank in California. Spectra financial is in New York state so why did did my check end up in california.
now this can get pretty agrivating when you live on a tight salary and someone ofers you a window that appears to have promise, only to find out that you have been scammed out of your hard earned money.
The really screwed up thing is, that when a real, true oportunity comes along, you will probably be gun shy with ripoff fear.