|
8305814
|
2024-02-07
|
Trouble using the card
|
Prepaid card
|
|
| Tags |
Servicemember
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
Incomm Holdings Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble getting information about the card
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-02-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-07
|
| Complaint What Happened |
Got vanilla gift card as a gift for XXXX with a XXXX balance.
Called XXXX XXXX XXXX. The number on back of my card. Gave required information to activate said card. Was told that card is now activated. Checked balance following day and balance was XXXX. Looked at pamphlet and noticed the phone numbers did not match. Called number on pamphlet and reported my XXXX balance and was given a case number. XXXX.
I have not received any money yet and the case number is useless on the website
|
| Consumer Consent Provided |
Consent provided
|
|
|
11228094
|
2024-12-20
|
Problem getting a card or closing an account
|
Prepaid card
|
|
| Issue |
Problem getting a card or closing an account
|
| Timely |
No
|
| Company |
Incomm Holdings Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble closing card
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-12-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-20
|
|
|
11232177
|
2024-12-20
|
Trouble using the card
|
Prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
No
|
| Company |
Incomm Holdings Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-12-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-20
|
|
|
5895713
|
2022-08-19
|
Problem getting a card or closing an account
|
Credit card or prepaid card
|
|
| Issue |
Problem getting a card or closing an account
|
| Timely |
Yes
|
| Company |
Incomm Holdings Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Trouble getting, activating, or registering a card
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2022-08-19
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-19
|
| Consumer Consent Provided |
N/A
|
|
|
11232903
|
2024-12-20
|
Problem with a purchase or transfer
|
Prepaid card
|
|
| Tags |
Servicemember
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
No
|
| Company |
Incomm Holdings Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Card company isn't resolving a dispute about a purchase or transfer
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-12-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-20
|
|
|
11222435
|
2024-12-19
|
Trouble using the card
|
Prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
No
|
| Company |
Incomm Holdings Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-12-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-19
|
|
|
11048882
|
2024-12-05
|
Problem with a purchase or transfer
|
Prepaid card
|
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
No
|
| Company |
Incomm Holdings Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Card company isn't resolving a dispute about a purchase or transfer
|
| Sub Product |
Gift card
|
| Date Received |
2024-12-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-05
|
| Complaint What Happened |
I bought a {$140.00} visa vanilla gift card at the beginning of XX/XX/year> and it did not work so I called the company and they said they would send me a new card and it would be to me in XXXX business days and over XXXX days passed and it did not come so I called them again and this time they said they would send it priority and it would be to me in XXXX days XXXX days passed and no card in the meantime I have missed out on XXXX major sales of the year XXXX XXXX and XXXX XXXX and I called again this time they said call back in XXXX hours I did and this time they tried to claim XXXX couldn't find my address which is a lie they are here regularly so they wanted a utility bill with my address so I emailed that to them and the next email wanted to know why my last name on my email and card were different well my email is not legal and is made up and therfore can be whatever I want it to be but I use my legal name for legal things and it did not require my name OR address to buy this card with my cash and I have gotten nothing but the run around and run around and at this point they are STEALING from me also I told them that I was XXXX and will be filing for XXXX discrimination as well I want my money and I don't care what they need to do in order for this to happen
|
| Consumer Consent Provided |
Consent provided
|
|
|
10777258
|
2024-11-12
|
Problem with a purchase or transfer
|
Prepaid card
|
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
No
|
| Company |
Incomm Holdings Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Card company isn't resolving a dispute about a purchase or transfer
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-11-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-12
|
| Consumer Consent Provided |
Consent withdrawn
|
|
|
11261773
|
2024-12-23
|
Trouble using the card
|
Prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
No
|
| Company |
Incomm Holdings Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-23
|
| Consumer Consent Provided |
Consent withdrawn
|
|
|
10489933
|
2024-10-17
|
Problem with a purchase or transfer
|
Prepaid card
|
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
No
|
| Company |
Incomm Holdings Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Charged for a purchase or transfer you did not make with the card
|
| Sub Product |
Gift card
|
| Date Received |
2024-10-17
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-17
|
| Consumer Consent Provided |
N/A
|
|
|
11058624
|
2024-12-06
|
Trouble using the card
|
Prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
No
|
| Company |
Incomm Holdings Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-06
|
| Complaint What Happened |
A friend gave me a Visa Vanilla Gift card, but did not say what the balance was. I opened the package a few weeks later ( on XX/XX/year> ) and saw that the card inside had the last four digits of the number scratched off. I contacted Visa and they said to contact Vanilla Gift and would not help me. I contacted Vanilla Gift ( also on XX/XX/year> ) and they said I had to provide a receipt. I told them it was a gift, so I do not have a receipt, and they never responded. My case number with Vanilla Gift is XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11018896
|
2024-12-04
|
Trouble using the card
|
Prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
No
|
| Company |
Incomm Holdings Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6795475
|
2023-04-04
|
Trouble using the card
|
Credit card or prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
Incomm Holdings Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Trouble getting information about the card
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2023-04-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-04
|
| Complaint What Happened |
I'm XXXX, I have a gift card that I can't uesd. I called to report my card on XX/XX/XXXX, the customer service gave me a case number : XXXX, on XX/XX/XXXX I followed their request, subjected my name and case number, And uploaded my card, receipt, and my driver 's license, sent to this email address : XXXX, but no one responded to me, I sent again on XX/XX/XXXX and XX/XX/XXXX, still no reply me, I have called them 3 times. On XX/XX/XXXX they said they didn't receive it, I uploaded a few more times, called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and told me to call back again in 24-48 hours to them, I have to wait 30-40 minutes each time to get in the phone but nothing can help me, still let me upload again or wait again, I called 3 times in this month, uploaded 6 times of documents, but no one replied to me, still said that they could not receive my documents, it isn't my problem, they couldn't receive my documents, but my money can't be used in the card, please help me to solve.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7392111
|
2023-08-12
|
Trouble using the card
|
Credit card or prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
Incomm Holdings Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2023-08-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-12
|
| Complaint What Happened |
I bought the securespend prepaid mastercard to pay my internet bill. The card does not have valid no any zipcode attached to it, making it invalid for any and all online purchases. I put XXXX dollars on the card to pay my bill, you can only be physically there to use this card, it says you can use it to pay bills online. No It can not as iv tried every avenue and every number I call including the back of the card provides no help and only computer voiced options that do not connect you to someone who can help. This should be highly illegal as all online purchases require a zipcode. These cards have not one option to add one, they only work as credit which is not what they are advertising on the card packaging.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10346430
|
2024-10-04
|
Trouble using the card
|
Prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
Incomm Holdings Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-10-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-04
|
| Complaint What Happened |
I have a Visa Vanilla gift card with a balance of {$50.00}, I tried to use said card on XXXX XXXX XXXX, It will not work as it says the card was expired. The website says cards will not expire, I tried calling and was not able to sort it out.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5583758
|
2022-05-20
|
Problem with a purchase or transfer
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
Yes
|
| Company |
Incomm Holdings Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Charged for a purchase or transfer you did not make with the card
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2022-05-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10783229
|
2024-11-13
|
Trouble using the card
|
Prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
No
|
| Company |
Incomm Holdings Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
Gift card
|
| Date Received |
2024-11-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6549644
|
2023-02-08
|
Trouble using the card
|
Credit card or prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
Incomm Holdings Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Trouble getting information about the card
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2023-02-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-08
|
| Complaint What Happened |
, In XXXX, my friend sent me a gift card, but I couldn't use it, I thought he needed to activate it, so I called the customer service representative and asked to activate my card. He agreed at first, and asked me to provide my address., but after I gave him the address he changed his mind and said there is a problem with my address. There are many recipients. This is my company 's address. There are many different recipients. This is normal. He asked me to submit proof of address and send it to the email address XXXXXXXX, and told me that I dont need to give me the case number, I just need to send it along with the card number, and I did so Yes, but I received a reply asking me to submit a case number. I said that I did not have a case number. The customer service said that I only asked for my address proof, without any news, My friend also called them to ask about the situation, and asked where he bought the card, my friend forgot, so there is XXXX XXXX here for so long, it belongs to us but cant be used by us, we need to provide proof, now The card in my hand is the best proof my card was still there but it couldn't be used, and the {$500.00} was taken
|
| Consumer Consent Provided |
Consent provided
|
|
|
10731337
|
2024-11-08
|
Trouble using your card
|
Credit card
|
|
| Issue |
Trouble using your card
|
| Timely |
No
|
| Company |
Incomm Holdings Inc.
|
| Product |
Credit card
|
| Sub Issue |
Can't use card to make purchases
|
| Sub Product |
Store credit card
|
| Date Received |
2024-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4515755
|
2021-07-05
|
Problem with a purchase shown on your statement
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
Incomm Holdings Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Card was charged for something you did not purchase with the card
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2021-07-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4099514
|
2021-01-27
|
Trouble using the card
|
Credit card or prepaid card
|
|
| Tags |
Older American
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
Incomm Holdings Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
Gift card
|
| Date Received |
2021-01-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-27
|
| Complaint What Happened |
I received a {$50.00} Vanilla Cisa card as a XXXX gift but when I tried to use it at four different retailers and once online it was declined. I called Vanilla customer service XX/XX/XXXX to inquire. I wa told oh a lot of people complain about that. I balked and they said theyd send me a refund check to arrive in five to seven days.
After it didnt arrive after 2 weeks I called again. I was told the refund is bring processed and I would get my refund in 7-10 days .never received. I called XX/XX/XXXX again and was told that the refund is processed and I would get the refund in 5 to 7 days.
Upon investigating online and on social media I found dozens of complaints from consume, fed about the same issue : Vanilla gift card didnt work and they requested refund only to be given the run around and the refund never received.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5036678
|
2021-12-23
|
Problem with a purchase or transfer
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
Yes
|
| Company |
Incomm Holdings Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Charged for a purchase or transfer you did not make with the card
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2021-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-21
|
| Complaint What Happened |
On XX/XX/21 I lost my prepaid debit card. I last used my card the day before XX/XX/21 at XXXX XXXX XXXX XXXX. When I realized I lost my card on XX/XX/21 that evening when I arrived home, I immediately called for a replacement card. I was then informed by customer service that several transactions had taken place while my card was lost. The list is : XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$280.00} XXXX {$26.00} XXXX {$75.00} I was told I must wait until the transactions posted to my account before filing a dispute. I filed on XX/XX/21. Approximately 2 weeks later my dispute was denied. I have since then made several calls and written several letters to appeal their decision. I also asked for the documentation they used to determine their decision. Ive gotten no answers nor help in resolving this issue. I did not authorize any of the transactions listed above, I need my money to be refunded to my account.Will you please help me. Thank you.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7293377
|
2023-07-24
|
Problem with a purchase shown on your statement
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
Incomm Holdings Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-07-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-24
|
| Complaint What Happened |
I purchased a gift card on XX/XX/2023, that was fraudulently used.
I contacted Incomm immediately to dispute the charge and request a replacement card, opening case number XXXX.
On XXXX XXXX, XXXX, Incomm requested documentation on the card, which I provided and also attached to this complaint.
Since then, I have not heard any updates on this case.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6423410
|
2023-01-10
|
Problem with a purchase or transfer
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
Yes
|
| Company |
Incomm Holdings Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Charged for a purchase or transfer you did not make with the card
|
| Sub Product |
Gift card
|
| Date Received |
2023-01-10
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-01
|
| Consumer Consent Provided |
N/A
|
|
|
2225760
|
2016-11-28
|
Unauthorized transactions/trans. issues
|
Prepaid card
|
|
| Tags |
Older American
|
| Issue |
Unauthorized transactions/trans. issues
|
| Timely |
Yes
|
| Company |
Incomm Holdings Inc.
|
| Product |
Prepaid card
|
| Sub Product |
Gift or merchant card
|
| Date Received |
2016-11-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-12-04
|
| Complaint What Happened |
In XXXX of 2016 I used a " XXXX Gift Card '' with a total value of {$250.00} to purchase a product and a XXXX service from XXXX XXXX located in XXXX, New Jersey. The balance on the gift card after the purchase and spa service was {$160.00}. I then used the card once at XXXX XXXX Jewelry in XXXX, New Jersey for watch repair in the amount of {$20.00}. This left a balance on the gift card of {$140.00}. In XXXX of 2016 I attempted to use the card to pay a portion of the cost of new eyeglasses and much to my surprise, the balance on the card, instead of being the {$140.00}, was instead {$34.00}. I was stunned because I had not used the card since XXXX of 2016. I pulled up the account history on the XXXX XXXX Gift Card website and discovered that XXXX had been deducting {$19.00} from my gift card each month for a total deduction of {$110.00}. These deductions were not authorized by me. I contacted XXXX and they claimed they knew nothing about any unauthorized deductions paid to them and that I should contact the XXXX Gift Card Customer Service Center. XXXX XXXX refused to refund the fraudulently deducted funds. I contacted the New Jersey XXXX and a few weeks later they responded to my complaint stating that they tried to contact XXXX but were told the company was out of business. That is not true. The XXXX is still in the same location and still very much in business. I contacted the XXXX XXXX Gift Card Customer Service department in XXXX and filed a written explanation of my complaint. In XXXX I received a letter from XXXX stating that they were unable to recover the funds. This seems to be a scam to me as I did not authorize the monthly deductions from my gift card and have not been back to the XXXX XXXX XXXX since XXXX 2016. Attached is a copy of the Account History showing the unauthorized deductions, the letter from Income which runs the XXXX XXXX Gift Card complaint department and the Chargeback Rebuttal Info sheet whereby XXXX states to Inc that services were rendered which is completely false. XXXX reimbursed me the {$34.00} " balance '' left of the card when it was deactivated in XXXX of 2016 but I am still owed the {$110.00} that was fraudulently deducted from my card without my knowledge or approval and for which NO SERVICES were rendered.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8631856
|
2024-03-26
|
Trouble using the card
|
Prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
No
|
| Company |
Incomm Holdings Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-03-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-26
|
| Complaint What Happened |
I've said it before, and I will say it again : to me, as a customer, I continue to see a collapse of auditing and regulation of these banks/services issuing prepaid/gift cards.
They are purposely making it difficult to access/use the funds that were paid for.
Another example : I received a prepaid Visa card purchased at XXXX. Package was intact, no sign of being previously opened.
Upon opening the package, I notice two critical issues that immediately renders the card/funds unusable : the card number is missing the last 4 digits, and the security code is not printed on the back of the card.
How is it possible that a bank packages a prepaid card missing critical information like that? Without this, I can't even use their website to check balance or request anything. I had to call and stay on the line for several minutes on hold, and talk with outsourced ( abroad ) customer service. To open a case, I was required to provide more personal information like date of birth - I tried to refuse providing that but then they would refuse service. Why do I need to provide my date of birth to replace a card that doesn't even have my name printed on it. That was never supposed to happen had the bank MINIMUM quality control over the cards printed.
Funny that the barcode to make the purchase is intact, but inside the card information required to use the funds was not.
Also, in their website, they already make it very clear how difficult it is to use the funds, saying that if transaction is declined, try to use somewhere else. I read on forum that this card gets declined in a lot of places ( like paying cell phone bills, and even utilities like water ).
Plus this is a mess : card brand is Vanilla ; card issuer is XXXX XXXX ; card is services by InComm. I literally don't know who is responsible for what. The card shows Visa Debit, but it runs as Credit.
It's all a huge mess.
Until when this is going to happen?
What else is required for you, CFPB and regulatory agencies, to take action against them? Why is these behaviors so accepted?
There is clearly a fraud scheme going on, on purpose issuing low quality products making it difficult to use the funds.
This is so embarrassing for this country, sincerely.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10636820
|
2024-10-31
|
Problem with a purchase or transfer
|
Prepaid card
|
|
| Tags |
Older American
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
No
|
| Company |
Incomm Holdings Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Charged for a purchase or transfer you did not make with the card
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-10-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-31
|
| Complaint What Happened |
I purchased a Vanilla Visa gift card on XX/XX/XXXX from my local XXXX XXXX with a {$6.00} activation fee. I loaded it with {$500.00}. I used the card on XXXX on XX/XX/XXXX for {$50.00}, XX/XX/XXXX for {$150.00}, and XX/XX/XXXX for {$14.00}. Then I used it again for The XXXX XXXX on XX/XX/XXXX and made a XXXX purchase on XX/XX/XXXX for {$44.00} which totals {$280.00}. When I checked my balance on XX/XX/XXXX it said I had {$0.00} balance and that my card was on hold and that I should call customer service. It should have a balance of {$210.00}. I immediately called the customer service number ( XXXX ) on the back of my Vanilla card and reported that the last three charges that they processed to XXXX XXXX on XX/XX/XXXX for {$25.00}, {$24.00} and {$160.00} were all fraudulent charges, they totaled {$210.00}.
They assigned me a case number XXXX and emailed me a dispute case claim form with my case number and for my signature on XX/XX/XXXX. Upon opening the file, my name was not accurate. It clearly states the form must be received in order to process the dispute. It also states that if any of the information listed on the claim form is inaccurate, Im to send an email to XXXX with my case number in the subject line and to include the details that are inaccurate in the body of the email. I emailed that information on XX/XX/XXXX to XXXX.
On XX/XX/XXXX I received the same claim form asking me to sign again, I did not because my name was still inaccurate on the claim form. I did not sign or summit it.
On XX/XX/XXXX I sent a follow up email to them asking if my email, addressing the incorrect information was received. I also explained why I couldnt sign the form. I asked for them to reply. They did not.
I called the number on my card ( XXXX ) again on XX/XX/XXXX and the customer service did not help me. They couldnt give me any information regarding my claim.
On XX/XX/XXXX I received the same claim form again, still inaccurate. I called on XX/XX/XXXX and was unable to be connected to any customer service representative.
At this time, I have no options to move forward and Im still unable to sign the claim form because its not accurate but states that it has to be signed and submitted to process my claim.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10125576
|
2024-09-14
|
Trouble using the card
|
Prepaid card
|
|
| Tags |
Servicemember
|
| Issue |
Trouble using the card
|
| Timely |
No
|
| Company |
Incomm Holdings Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-09-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-14
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5194867
|
2022-02-07
|
Problem getting a card or closing an account
|
Credit card or prepaid card
|
|
| Issue |
Problem getting a card or closing an account
|
| Timely |
Yes
|
| Company |
Incomm Holdings Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Trouble getting a working replacement card
|
| Sub Product |
Gift card
|
| Date Received |
2022-02-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5936732
|
2022-08-31
|
Problem with a purchase shown on your statement
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
Incomm Holdings Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2022-08-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-31
|
| Complaint What Happened |
I received my Vanilla gift card for my birthday in XX/XX/2022 in the amount of XXXX When I went to use it I found out there was approximately around XXXX available. I immediately went on the Vanilla site and investigated the charges and to my findings I saw that someone had stolen the card number and made all purchase for equipment in one day.
I called Vanilla and they told me to fill out paperwork and send it in. I did exactly that 100 days ago. I was informed it can take up to 90 days for them to do their research. I called a few times in between and still no updates. Their customer service just recites words like they are reading a script.
Then on XX/XX/2022 I received an email stating a new replacement card was sent out and to give it 10 days to receive. The card never came. I emailed them three times and no one replies. Today, XX/XX/2022 I called and gave my claim number XXXX and was informed that this case is still ongoing and no card was ever mailed out. This is the worst customer service and they lie to you. They probably never intend to give me back my gift card and just will continue to drag this out. Plus I have to keep correcting my information every time I call because no one pays attention to the details I submitted.
At this point I do not trust Vanilla any longer and will never ever get a gift card from them. I just want my money that belongs to me. Please help me.
Thank you XXXX XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3466233
|
2019-12-12
|
Trouble using the card
|
Credit card or prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
Incomm Holdings Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Trouble using the card to spend money in a store or online
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2019-12-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-12-12
|
| Complaint What Happened |
On XX/XX/19 I loaded $XXXX onto a Vanilla Visa prepaid card at a XXXX XXXX in XXXX XXXX in XXXX XXXX XXXX. I was given an Electronic Card Activation receipt and told the card was loaded with the $XXXX and was activated and ready for use. Shortly thereafter, I attempted to go to Vanilla Visa's website to check the card balance and received an "Invalid Card Number" error. I tried again a few times and kept receiving the error. I called the customer service # listed on the back of the card and a representative told me that the card was blocked and had already had a "case opened" on it. After arguing with the representative that I just purchased the card and didn't open a case, I hung up the phone and went back into XXXX XXXX. The manager handed me a print out verifying the transaction with the vendor (Vanilla) and that they had received the $XXXX.I called Vanilla's customer service again and after a long time on the phone, was told by the representative that I would need to email in documentation including my identification, the receipt for the card purchase, and the front and back of the actual card. I was given an email address to send it to and a case number of XXXX to reference. I immediately sent in all of the requested documentation. After the documentation was reviewed, I received an email from Vanilla telling me they'd need to mail a new card to me but the address on my ID didn't pass their "address verification" even though that address is verifiable, is on my ID, and numerous other documents. They asked me to either call in to verify my address, or to send proof of address. I called in and was told that the only way I could verify my address was to send in a document verifying my address with my personal name on it. Given that most everything I have is in my personal XXXX name as far as utility-type bills (i.e., cell phone, bank statements, etc.), I sent in a copy of my insurance card which clearly displays my name and address.After 4 days (XX/XX/19), I emailed them again to follow up and asked what the status of mailing the new card was. I received no response. I waited another 2 days and asked, once again, for an update and have received no response. In my final email (XX/XX/19) to them I told them that I would file a complaint with the CFPB if I did not hear back from them and have a resolution to the matter by the end of the business day. I received no response.These people took $XXXX of my hard earned money on the night of XXXX XXXX and have since gone unresponsive and have refused to return my money to me. I would like my money back and to have a record of my complaint made public for others to see if this happens to them. There is some sort of fraud being committed here because the card was blocked after I loaded the cash, but before I could use it, and I verified my purchase and provided all requested documents, and they still have not returned my money to me, and its been 2 weeks.
|
| Consumer Consent Provided |
Consent provided
|
|
