I am newly married without any credit. Eventually, I want to be able to buy a house with my husband, so I have been applying for credit cards through valid companies.
I received a phone call in the beginning of April from a company called Integra Financial Benefits. A man named Muhammed told me about this credit card that his "company" was offering to people who needed to establish credit. I had a gut feeling that this was a false company, but the offer just sounded so good to be true. I would receive a $2,000 credit card and would be able to take out $500 dollars a day from the card. 0% interest sounded great!
I agreed to the card and was sent to a different department. A man names Scott recorded my informaiton. I asked the man what whould happen if I didn't have the $249 in my account on the 8th(this was when they would dry up my account). He replied by telling me that if I called within 48 hours before the debit would be taken from my account, they could make it for another time.That sounded okay to me.
April 6th came around and I was visiting some family. I knew that I wouldn't have the money in my account, so I called Integra Financial Benefits to let them know this. It took FOREVER to get someone on the line!! When I finally got someone on the line, she informed me that I wouldn't be able to cancel the card and the payment of $249 until after the card was received. It was supposed to be shipped from FedX or UPS.
I decided to call my bank to cancel the payment. I told my bank that there is an unauthorized company trying to debit my account. Because I didn't know all of Integra Financial Benefit's information, my bank told me there was nothing I could do. However, my bank told me that since $249 wasn't available in my account, the company's payment wouldn't go through. LIARS!!!!
On the 9th of April, I had a weird feeling and decided to check my bank account. Negative $271!!! The extra fee is payment for the bank, of course. When I called my bank and asked them why the money was deducted, they told me that "sometimes the bank let's checks go through, and sometimes they don't." I was informed that if I would have known the check number, I would have been able to stop the payment!!! Integra Financial Benefits had created there own electronic check and check number to avoid cancellation of the payment.
I called Integra Financial Benefits around April 16th. Again, it took forever to get someone to answer. Finally, a very rude woman, who I believe I had spoken with before, answered then phone. I asked to speak with Scott, a supposed representative for the company, and I was told that he would contact me. When I asked the woman how long I would have to wait for the card, she replies "25 days." I became discouraged.
I thought I would give them the 25 days for the card to show up before taking action. Well, it has now been 25 business days, and still no card. I feel VIOLATED!! I cannot believe that we have people in this world that prey on innocent people like the way that Integra Financial Benefits does. I am so ashamed of myself for even thinking that a credit card company would give someone with no credit a card for 0% interest for 3 years. I never thought that I could be a victim of a FRAUDULANT credit card company!!! I hope that there is a way for me to get justice. What goes around, comes around!!! Integra Financial Benefit employees-- BEWARE! I will get my justice!!!