Incomm Holdings Inc.

I received a Vanilla Visa Gift Card and used it to make a purchase, which I later canceled. The refund for this canceled transaction was not properly processed. On XX/XX/XXXX, I filed a dispute ( Case ID : XXXX ) regarding the missing refund for a canceled XXXX XXXX order. After filing the dispute, the card was blocked. On XX/XX/XXXX, I received written confirmation stating that my refund request was approved and that a check for {$490.00} had been issued. However, I have not received this check. Since XX/XX/XXXX, I have contacted customer service more than 10 -15 times to request the status of the refund, but the company has failed to provide clear information or resolve the issue. I stopped contacting them from XX/XX/XXXX out of frustration. I recently called again on XX/XX/XXXX. They stated the case had been closed and reopened, and I provided my current mailing address : [ XXXX XXXX XXXX, XXXX XXXX, XXXX, WA - XXXX ].…

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My daughter was gifted a {$100.00} Vanilla gift card. She just tried to use it yesterday and it didnt work. When we checked the balance on the website it said a purchase on XXXX XXXX shop for {$99.00} was pending so only XXXX cents was available. When we try to call or dispute the purchase we get auto hung up on and the site says the charge is pending so it doesnt show up to dispute.

Purchased the card on XX/XX/year> from XXXX XXXX was placed on hold on XX/XX/year>. Contacted customer service then and was told I would be getting a check in the mail for {$250.00} due to possible fraud. Case number XXXX would expedite the check and I would have it in XXXX business days. Called multiple times thru out waiting on refund check and have yet to receive it after XXXX days. Being told that the money is still on the card and no refund has been issued yet. Have tried to speak with managers multiple times and get placed in hold for hours.

I was given a {$400.00} gift on XX/XX/year> card for my wedding- vanilla visa gift card. I called to activate the card on XX/XX/year> and confirmed the amount on the card and that it was ready to use. XX/XX/year> I went to use the card in a store with the physical card in hand and it was declined. I check online and it says the card is on hold I called and they said it was tagged as fraud and placed on hold and there was no way to reverse the hold. They XXXX me the exact name of the store that attempted the charge and I confirmed that I was there and had authorized the transaction. They would not do anything about it.

I received the card as a gift XX/XX/XXXX. I opened it to find the last four digits of the XXXX digit number were damaged and unreadable. I have tried calling the compnay but their phone tree puts you in a loop or directs you to their website. I filed a complaint on the website but dont expect to hear form them. This feels like fraud.

Hello, I have tried with many various online merchants to use my Visa Reward card with {$1000.00} loaded on it. I have tried various amounts well below the total available balance, but every transaction has been denied. I have called the help line and they say there are no issues with the card, yet I can not use it anywhere. I have tried with online retailers such as XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, amognst others. I am getting no support from the phone help line and am concerned of losing my full balance as the card expires in XX/XX/year>. I have attached screenshots from the online portal with card information, available balance, and list of declined tranactions.

On XX/XX/XXXX, I tried to charge {$4.00} to a XXXX XXXX XXXX card with a balance of {$46.00}. The payment was not accepted. I called the customer service number on the back of the card. They said that the card was put on hold, and they could not reactivate it. They said the only recourse was to give them our address so they could send us a new card. I refused, since someone was able to purchase the card and give it to me as a gift without providing personal information such as address.

I purchased a XXXX gift card issued by XXXX at a XXXX store using cash. After activating the card, I used it XXXX time for a legitimate purchase on XXXX for approximately {$440.00}. XXXX later refunded that purchase back to the same gift card. Shortly after the refund was processed, several unauthorized transactions labeled XXXX * XXXX occurred and drained the balance of the card ( approximately {$440.00} ). By making multiple transactions of different amounts until all funds were used. These transaction all happened within the same minute of time.These transactions occurred without my permission and were not made by me or anyone I know. I reported the fraudulent transactions to XXXX within XXXX hours of discovering them and completed the fraud affidavit they required. Despite reporting promptly and confirming that the transactions were unauthorized, XXXX denied my dispute and closed the case.…

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I am filing this complaint because InComm XXXX XXXX XXXX has placed an indefinite hold on six ( 6 ) of my prepaid Visa and XXXX debit cards, effectively denying me access to my funds for over 14 months. Starting in XX/XX/XXXX, all six cards transitioned to a " Status : ON HOLD '' state with the message, " Your card can not be used at this time. '' Since that date, I have contacted InComm XXXX XXXX customer support multiple times to resolve this issue. During every interaction, I was informed that my case has been escalated. On every occasion, the customer service representative promised that an agent would contact me within two business days to resolve the hold. Despite these repeated assurances, I have never received a phone call, email, or any form of communication from InComms specialized team. As of XX/XX/XXXX, the funds remain inaccessible.…

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I purchased a Vanilla Gift Card for {$56.00} at XXXX XXXXXXXX XXXX XXXXXXXX in XXXX XXXX XXXX XXXX XXXX, MD XXXX on XXXX XX/XX/year>. The product is defective as it lacks the advertised ZIP code registration feature required for online use do it being removed by XXXX XXXX XXXX XXXX. I informed the store XXXX XXXX that the product was non-functional and that the vendor 's phone number is a dead loop. Despite my distress, the documented product failure and the explanations, the XXXX refused a refund, citing 'all sales are final ' for a faulty financial product. This is deceptive trade practice and a violation of the implied warranty of merchantability.

I purchased a XXXX prepaid card loaded with {$500.00} from XXXX XXXX. When I attempted to activate the card, it did not work. I contacted customer service and was told I must fax my ID, the card information, and the purchase receipt in order to activate the card. I attempted multiple times to send the fax but it does not go through at XXXX. The company also provided an email address to send the documents, but the email address bounces back and can not receive messages at XXXX As a result, I currently have {$500.00} locked on this card and can not access my own funds. I purchased this card to pay a bill and the delay has now caused financial hardship. I am requesting immediate access to my {$500.00} plus Because I was unable to access the money to pay my bill, I have experienced financial inconvenience and late fees of {$50.00}. I am also requesting reimbursement for any fees incurred and reasonable compensation for the time spent trying to resolve this issue.

On XX/XX/year>, I purchased XXXX Vanilla Visa gift cards issued by InComm Inc. for {$500.00} each ( {$1000.00} total ) from XXXX. On the same day of purchase, I attempted to use both cards online, but both transactions were declined. I then contacted the customer service number listed on the back of the cards. During that call, customer support informed me that the cards were potentially compromised. On XX/XX/year>, customer support stated they would cancel the compromised cards and send replacement cards with the full balances ( {$500.00} each ). I was told the replacement cards would arrive by mail. After waiting two weeks and not receiving the replacement cards, I contacted customer service again. During the second call, I was told that the replacement cards had already been used by someone else. I did not receive these replacement cards and did not authorize any transactions. I believe the cards were either intercepted in transit or fraudulently accessed before delivery.…

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On XX/XX/year>, I purchased a Vanilla e-gift card with a value of {$50.00}. Since receiving it, the card has been declined at every merchant I have attempted to use it at, including XXXX, XXXX, and XXXX. It was also rejected when I attempted to add it to XXXX XXXX. I have contacted Vanilla customer support twice. Both times I was met with unhelpful, scripted responses. I was told the card " can't be used on XXXX '', despite the card declining at entirely unrelated merchants that have nothing to do with XXXX. When I asked a representative where I could use the card, ( ON THE SECOND CALL BECAUSE VANILLA IS DEVASTATINGLY USELESS ) they refused to answer my question and instead only provided a list of restrictions. No representative made any genuine attempt to investigate why my specific card is malfunctioning. This is XXXX customer service, plain and simple. Notably, Vanilla 's own website explicitly advertises that their e-gift cards can be added to XXXX XXXX.…

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Approx. XXXX XXXX years ago my mom bought me two {$400.00} Vanilla Visa Gift Cards. They were " previously stolen '' and when i tried to activate the cards the balance was XXXX. I immediately contacted Vanilla Visa who had me send pics of the cards and receipt, which i did, then they had me sign some documents thru adobe.accu-sign. Shortly after i received a replacement card for only one of the cards, i continues to send messages inquiring about the second card for 2 years!! They finally last week XX/XX/26 or so send me a email stating that my case was denied and the case closed! My mom is on a fixed income and so am i and we can not afford to just lose {$400.00}. Please help us to recover our lost funds of {$400.00} from Vanilla Visa Gift debit Card. Thank You so very much.

On XXXX XXXX, XXXX, I received a {$420.00} XXXX gift card. Shortly after, there was an unauthorized transaction of {$14.00} at XXXX on XX/XX/year>. I contacted the card issuer and filed a dispute. I completed and submitted the dispute packet and received confirmation that my dispute was received and forwarded to the dispute resolution team. After several months, the company informed me that the refund would be issued to me by check via XXXX. I waited approximately 45 months but never received the check. During this time my mailing address changed, and the company asked me to provide my updated address along with a utility bill as proof of address. I provided the requested documents and verified my current address. Despite this, I still have not received the refund. Each time XXXX contact customer service, they say the issue is being escalated and ask me to call back in 7 days.…

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Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding multiple prepaid gift cards ( XXXX XXXX, XXXX, and XXXX ) that have been placed on hold when attempting to use them. I purchased several of these gift cards and have experienced repeated issues when trying to use them. The cards are frequently declined with a status indicating they are on hold. I have attempted to use the cards in various ways, including : Making purchases that exceed the total balance to trigger automatic balance depletion Making small purchases below the available balance Using them for various online transactions Despite these efforts, the same issue continues to occur. I am in physical possession of all affected gift cards, along with the original packaging and purchase receipts. I have not engaged in any activity that would justify restrictions or holds being placed on these cards. The inability to access funds that were paid in full is both frustrating and concerning.…

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On XX/XX/year>, I purchased a Serve Pay As You Go Visa Prepaid Card and loaded {$500.00} for the purpose of using Bill Pay and Direct Deposit. Upon following instructions to register the card, my application was denied by the issuer. According to the Serve/Pathward Cardholder Agreement ( " Rejection of Terms '' section ), a consumer who does not wish to be bound by the terms must contact customer service prior to using the card to request a refund of unused funds. Since my registration was denied, I can not access the account features I paid for, and I therefore reject the terms. On XX/XX/year>, I spoke with a representative named XXXX who refused my refund request, claiming the funds were " Spend Down Only. '' This is a direct violation of the written agreement which entitles me to a paper check refund for rejecting the terms. And while I was attempting to ask XXXX for the specific written policy he disconnected the call. This was XXXXXXXX XXXX.…

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recieved a giftcard for christmas. try to activate it online but was told im XXXX the XXXX and using vpn. im in SC and using local ip company. call to activate the card XXXX XXXX. so i had to email them my name address photo of the card, package and receipt. was told i would recieve a check but never recieved. call XXXX time about and told XXXX it was mailed. never was. the postal office send me a picture of all my mail that are sent to me. they some how erased my case and fill it under my XXXX. we have diiferent card, mailing address and email. i tell didn't XXXX no check and activation of card since christmas of XXXX XXXX out locked out my card and cash and this seem as normal practice with this company after a quick google reserches of XXXX of the same thing happen to other people who purchase this card. they just want people to purchase the card, lock them out of their cash and you give up on your money way they can keep it.

I had a XXXX $ Visa gift card with the card number starting with XXXX then out of no were they changed the visa prepaid gift card numbers to XXXX now and did not send me back my funds or send me a new gift card I lost all my funds on my gift card because of that and they won't help me I've filed disputes complaints and no help

I am submitting this complaint regarding a fraudulent incident involving a {$500.00} Vanilla Gift card. Upon receiving the gift card, I attempted to activate it online. Unfortunately, I mistakenly entered the card information on an incorrect website, vainillagift.com, which appeared to be a legitimate and official Vanilla Gift website. The site closely resembled the authentic platform, and I had no reason to suspect it was fraudulent. Shortly after entering the card details, the entire {$500.00} balance was unauthorizedly used on XXXX without my knowledge or consent. I immediately contacted XXXX to report the fraudulent transaction and request information regarding the individual who used the funds. However, they declined to provide any identifying details. I also filed a complaint with XXXX XXXX to report the fraudulent website and the theft of my funds, but to date, no resolution or corrective action has been provided.…

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I have used my visa gift card from Vanilla for recurring transaction and identify duplicate transaction and raised concerns about it on XX/XX/XXXX. My card was immediately blocked and dispute case was created. After long wait and couple of follow up, card company has resolved my dispute and made final decision on XX/XX/XXXX to refund entire remaining balance of my gift card as check. I never received check and I reached out on XX/XX/XXXX. XXXX requested for address proof with address and I have share bank statement on XX/XX/XXXX. Post that I have followed up multiple times via email and 10+ phone calls but I haven't received checks or update even after 90 days from original dispute case. I have attached email thread as well as final decision letter that I received from company.

I have a few defective incomm cards. one vanilla gift {$500.00} and 2 {$100.00} XXXX XXXX the vanilla I filed on XX/XX/year>. the XXXX {$100.00} gold XXXX I filed for on XX/XX/year> I have filed via the incomm XXXX and I was promised a check that would land sometime in XXXX. Its late XXXX now Why have I not received my money? XXXX XXXX XXXX

I purchased A Vanilla Gift Visa Credit Card. It was declined when tried to use it online to make a purchase. I called their customer service. I was told that the card can not be used online ; even though it clearly says it can be used to make online purchase on the Vanilla Gift Card website. Their customer service refused to correct the problem. The card balance is {$50.00}. The amount I was trying to charge was {$23.00}. The card was purchased as a {$50.00} credit card more than 24 hours prior to attempting to use. The card can not be returned or refund given. This false advertisement and deceitful business practices.

This is involving case XXXX. This relates to my dispute. I never used the card. I can even prove I didnt use it. I appealed it several times and all times they denied it. I just simply want back what is mine and if I dont then I will seek legal help and Ill come after more than what my dispute is worth.

My Vanilla Gift card may data was stolen by and skinned by a website that pretended to be a low priced goods website selling cheap phones. After I discovered that I thought my data would have been erased from the website or it showed it didn't go through on XXXX. Two charged one for {$32.00} and another for {$9.00} from a XXXX XXXX both showed from a Eastern Standard Time Zone. And I did not purchase those items. I did file a dispute with InComm and they denied my claim. I read other customers have also had bad experiences with this gift card company and that there have been lawsuits.

On XXXX XXXX XXXX, I activated a {$500.00} Vanilla Gift card. Within 24 hours, the entire balance was exhausted via four unauthorized online transactions. I immediately contacted Vanilla Gift and opened Case # XXXX. I was assured by a supervisor that the full {$500.00} would be refunded. On XXXX XXXX XXXX, I received written confirmation that my claim was resolved and a replacement card would be issued. However, the replacement card I received on XXXX XXXX XXXX was only loaded with {$240.00}. This is a {$250.00} deficit from the original disputed amount. I have contacted the company four times since XXXX XXXX XXXX. On XXXX XXXX, I was told the case was reopened with a promised 48-hour response time. No contact was made. On XXXX XXXX I spoke with a representative who was verbally abusive, repeatedly placed me on hold while I was speaking, and eventually hung up on me when I requested a supervisor.…

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I am filing a complaint regarding improper handling of a prepaid gift card dispute by InComm Payments ( Vanilla Gift Cards ). I purchased a Vanilla Visa gift card that was defective and unusable upon purchase. The card also reflected unauthorized transactions that I did not make. I never had a meaningful opportunity to use the card. I timely submitted the required dispute form and supporting documentation ( completed form, receipt, and photos ) by both email and fax as instructed. The company initially closed my case claiming the documentation was not received. After I escalated, their team confirmed in writing that my documentation had been received. Despite this written confirmation, my case was closed again without explanation or resolution. This pattern demonstrates improper dispute handling and failure to conduct a reasonable investigation after acknowledging receipt of required documentation.…

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My total was XXXX and some odd cents. The card I got that day as a gift from my aunt for house warming ( I just moved that day ) and a gift for taking my sister out of her bad situation. I tried spending money online but the card wouldn't work so I went to XXXX at around XXXX. The total was XXXX and something odd cents, it decided to take all of that out of the card, but not count that towards the payment of the purchase. No, it takes the remaining {$35.00} and uses that instead so I lost {$260.00}. I have submitted my payment void receipt to the email I was told to send it to, no response and it's been a week.

I am filing a complaint regarding payroll withholding errors and my employers refusal to provide copies of my signed XXXX forms as required by federal payroll record laws. During my employment at InComm Payments, the company repeatedly withheld incorrect federal income tax amounts from my paychecks. These errors resulted in under-withholding and inconsistent payroll calculations. Despite raising these concerns directly with HR and payroll, the company failed to correct the withholding issues or provide an explanation for the discrepancies. In addition, I formally requested copies of all XXXX forms I signed during my employment so that I could verify my filing status and claimed allowances. My employer has refused to provide these records, stating they are unable or unwilling to release them.…

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My VANILLA MASTERCARD was placed on hold and I was unable to use it, I called the customer care to complain and I was told that the card was placed on hold due to suspicion of potential scam because they felt the card was used on a phishing website and I was told I will need to send in my documents to verify my identity before my Vanilla gift card can be Replaced, I did as they asked and I havent gotten my Replacement Card yet with my {$500.00} Balance, Vanilla saying that my mailing address is not valid for a replacement card and I need to provide another address, I dont understand how thats possible, please I need help regarding that and my Replacement Card should be Sent to my Address bc thats where I live, thank you.