• Report: #142573

Complaint Review: Integra Financial Benefits

  • Submitted: Fri, May 13, 2005
  • Updated: Fri, May 13, 2005

  • Reported By:Salem Oregon
Integra Financial Benefits
100 Walnut St. Ste 100A Champlain, New York U.S.A.

Integra Financial Benefits, & First Link Benefits Integra Financial Benefits ripoff, scam, con artists, fraud, fraudulent, phishing, blocked number Champlain, New York; Toronto, Canada New York, Canada *EDitor's Suggestions on how to get your money back into your bank account!

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I recieved a call a few weeks ago regarding an unbelievable credit card. I was very skeptical when speaking with these people. They gave me their phone numbers (Call center & financial institution). I gave them all of my personal information: Name, address, phone number, state id, social security, banking information. I told them I didn't have $249 but that I would in a few weeks; they set it up to come out on the 9th of April, 2005.

After I got off of the phone with them; it just didn't feel right, so I called their phone numbers and one of them led me to a voicemail system explaining that customer service was closed, and that I could leave a message. Well I found out how to access their company directory and I left a message with 15 different people; and not one of them called me back. By the way the voicemail system said PacBell Canada; so my report will be filed as cross border fraud.

I gave it a few days; and then called my bank (Bank of America). I explained to them what happened; and I told them that I tryed to call these people, but they were scammers, and they had a phony voicemail system in place to keep gullable people like myself at bay. I told the bank around what day that this transaction would occur; and I also told them the dollar amount; Bank of America generously said they would note their system so that they could watch for it and mark the transaction as fraudulent.

*Update: I recieved an automatic eMail from Bank of America stating that my account was overdrawn by $249. I'm sure it had been a few hours since that transaction posted; but by the time I logged onto online banking, I had a credit pending for $249. They truly are a great bank. Perhaps it's because I called them so soon to let them know that I was scammed. At this time the credit is still pending

Salem, Oregon

EDitor's Suggestions on how to get your money back!


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!


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.


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!

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CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

This report was posted on Ripoff Report on 05/13/2005 01:44 AM and is a permanent record located here: http://www.ripoffreport.com/reports/integra-financial-benefits/champlain-new-york-12919/integra-financial-benefits-first-link-benefits-integra-financial-benefits-ripoff-scam-142573. 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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