Report: #142597

Complaint Review: Integra Financial Benefits

  • Submitted: Fri, May 13, 2005
  • Updated: Fri, May 13, 2005
  • Reported By: Yucaipa California
  • Integra Financial Benefits
    100-A Walnut St. Suite 197
    Champlain, New York

Integra Financial Benefits Ripoff, Experienced Criminals who Prey on the innocent Champlain New York

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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!!!

Yucaipa, California
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This report was posted on Ripoff Report on 05/13/2005 08:48 AM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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