I reported previosly how spectra ripped me off for $249. I fell for the $2000 credit limit with 0% interest for 3 years also. Well, I did get my money back but not without a fight. First, I called Spectra (what a waste of time). I think this rude woman is answering the phone out of her house. She's the only one I ever get when I get her. She claimed they are not a credit card company and my $249 was for the "benefit package" that I could have gotten free elsewhere.
I told her I wanted my money back and she told me it was non-refundable. I told her I looked their company up on the net and I already know they are scamming everyone they can. She repeated that I wasn't getting my money back.
I then called the processor in Cali and spoke with a man named Johnny. He said he could put in for my refund but they stopped processing for Spectra on Feb. 19 due to several complaints like mine. My account was debited Feb. 21. What luck!
The only thing that worked was going to my bank and unauthorizing the debit. You only have 60 days to do this. I went in on day 59. I signed an affadavit the bank lady typed up for me. She told me she had never seen a company not give the money back when requested from a bank. That was less than a week ago and today I was called from the bank. Good news! My money has been put back into my account. I am being charged a $30 stop payment fee due to me compromising my own info. To the company to begin with and giving them permission to debit in the first place. I wouldn't have been charged this fee if only I had said I never authorized it in the first place.
Best advice to anyone whom has been ripped off by this company. Don't waste your time on the phone with that lady. She's part of the "plan". Just go to your bank and do it ASAP and unauthorize the debit. Yes, it's some paper work but it's worth it and the company isn't getting away with your hard earned money. Hope this info helps.
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