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  • Report:  #141923

Complaint Review: Integra Financial Benefits - Champlain New York

Reported By:
- Norwalk, California,
Submitted:
Updated:

Integra Financial Benefits
100-A Walnut St. Suite-197 Champlain, 12919 New York, U.S.A.
Phone:
866-848-6234
Web:
N/A
Tell us has your experience with this business or person been good? What's this?
I have been trying to build up my credit history so I have been applying for credit cards from different legitimate companys.

One evening I receive a phone call from nice little ol' Laurie representing the very ficticious credit card company Integra Financial Benefits. The offer sounded amazing. 0% A.P.R. for three years, $500 cash advance, $2000 credit limit, no annual fees... She even went as far as telling me that my credit was a 7 on a scale from 1 to 10. HA!

So I agree to pay the one time fee of $249 because a credit card like this doesn't come along all the time. Little did I realize I was being SCAMMED!

They set me up. They recorded my voice relaying all of my personal information including my bank account routing number and checking account number. Supposedly I would be receiving my credit card via courier in 7-14 days after my account was charged. They even assured me they would call me on my debit day so I can give them the final go ahead.

My account was debited without any go ahead call. Hmm, I wondered. So I called Integra to inquire when exactly I would be getting my card. All I got was a weird recorded Customer Service message not even identifying the company as Integra. It sounded slightly fishy. I left a message with my name and phone number.

No one ever called my back. Since they are on the east coast and I reside on the west, I called about 7:30 am, my time. I finally got a voice on the other end. She was very rude and she hung up on me when I asked for her name. I called back and a male answered. I starting asking him questions and he ended up playing my recorded message that took place the day of Laurie's call. I heard my voice and instantly regretted what I had agreed to. I knew right then I had been scammed. There would be no credit card, no $249 refund, no justice.

Not only did I lose money, I was tricked and lied to. One time my internet account was hacked into and I felt scared and violated. After this experience I feel angry and upset. Not only with myself for being so d**n gullible but with those telemarketers and their fake company knowing exactly what they are doing to people. I guess if they think we are dumb enough to give up $250 so fast then we deserve it. If it makes them sleep better at night knowing they make money ripping people across the country off then good for them. I know now protection of your identity is essential. Believe me I am taking the steps as we speak. I only hope one day those crooks will get the justice they deserve...

I will keep this updated.

Samantha

Norwalk, California
U.S.A.

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

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

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!

DO NOT TAKE NO FOR AN ANSWER!

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.

CHARGES TO YOUR CREDIT CARD

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

[email protected]

badbusinessbureau.com

www.ripoffreport.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.



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