Extremely unhappy with Spectrocoin debit card.  Email two factor authentication broken, as emails come hours later (or not at all), which is too late.  Sadly, you can transfer bitcoin in without two factor.  You can also exchange bitcoin for USD without two factor.  Two factor is needed to both load your debit card with USD and to change the two factor to SMS, which hopefully is faster.  Customer service not helpful as they suggested I email them to request two factor be disabled.  It has been 3 days and no change.  I even included the help ticket in the email so they would know it was me.