• Report: #132756
Complaint Review:

Spectra Financial Benefits

  • Submitted: Fri, February 25, 2005
  • Updated: Thu, April 14, 2005

  • Reported By:Tolleson Arizona
Spectra Financial Benefits
100-A Walnut Street Suite # 246 Champlain, New York U.S.A.

Spectra Financial Benefits Credit Card Scam after taking $249.00 out of my Banking Account Champlain New York *EDitor's Suggestions on how to get your money back into your bank account!

*Author of original report: Spectra Financial Benifits came back trying to screw me for a 2nd Time by sending me an application to sighn after I was took for $249.00 in Febuary 25, 2005.

REBUTTAL BOX™ | Respond to this Report! | Consumer Comment

What's this?
Corporate Advocacy Program

Show customers why they should trust your business over your competitors...

What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

Set the record straight:
Arbitration Program

SEO Reputation Management at its best!

On Febuary 02,2005 I recieved a phone call from a Spectra Financial employee who identified himself as "Tony". He said he was calling me to let me know I had been approved for a Master Card, and he wanted to verify my information with the information he had. He stated that there was a one time fee I would have to pay before I would recieve my card. I said to him, "How do I know that your not one of those scammers that screw people over after taking down all their information" and he replied back to me saying, "No No, here is my name and phone number to contact me with any questions I may have or to check on status of recieving my card.

After he verified my information he transfered me to a female who was also going to verify my information and she also stated that our conversation was being recorded for their records. She identified herself as; "Operator # 242".

To make a long story short they had debited the money from my account on Febuary 11,2005, and as of Febuary 25,2005 I still have not recieved a credit card or anything from this company re: this matter. So I decided to look them up online and found nothing but COMPLAINTS from other people who also had been credit card scammed by this company, like myself.

PLEASE, can somebody out there tell me how these SCAMMERS get away with doing such FRAUD? Why dont these Unrespectfull Thieves go out and work for their money instead of taking advantage of people like us who have to work hard for our money and the things we have.
PS: This is not going to end here.... These Thieving Scammers need to be caught so we can live in the type of Society it should be and not the way it is today.

Tolleson, Arizona

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!

We are not lawyers.
We are not a collection agency.

We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers

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 02/25/2005 04:14 AM and is a permanent record located here: http://www.ripoffreport.com/reports/spectra-financial-benefits/champlain-new-york-12919/spectra-financial-benefits-credit-card-scam-after-taking-24900-out-of-my-banking-account-132756. 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

Click Here to read other Ripoff Reports on Spectra Financial Benefits

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
0Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

Spectra Financial Benifits came back trying to screw me for a 2nd Time by sending me an application to sighn after I was took for $249.00 in Febuary 25, 2005.

AUTHOR: Sheila - (U.S.A.)

I filed my Report on this Company after they ripped me off and now trying to hit me up again, for the 2nd time, but im not falling for it this time.
On April 14, 2005 I recieved a letter and some pamplets in the mail from this Company for the first time after filing a theft report on them at diferent Agencies. They sent me a letter on 04/05/05 , STILL TRYING TO TELL ME MY CARD WAS ORDERED and I will recieve it within 25 business days just like they told me back in Febuary when they called me. see the letter below. . . .



April 5, 2005

Dear Client,

Welcome to Spectra Financial Benefits Service !!!!!!!!!!

Your Master Card has been ordered and you will be
receiving it within 25 days of receiving this letter.

Please make sure to keep your eyes open for this to arrive in the mail.

Please find enclosed your personal benefits program that will save you hundreds of dollars.

Everyone here at Spectra Financial Benefit Service hopes you will injoy the benefits enclosed and the ussage of your MasterCard.

Please fill out and sighn the application enclosed and send it back as soon as possible so that we can process your card.

and so on ext . . . .

My Thoughts re: After Receiving This Letter . . . .

For one, I am still waiting for my card I was suppose to get 25 cays from joining this company in January 2005 and still never got the cards

TO make a long story short they are still scaming us
Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?