Incomm Holdings Inc.

I am submitting this formal complaint against InComm Payments ( the issuer of Vanilla Gift Cards ) for unfair and deceptive business practices, the bad-faith withholding of my validated funds, and a deliberate pattern of misrepresentation by their call center management team. The company is weaponizing contradictory account status updates and administrative stalling loops to retain my money and force me to abandon my case. Chronology of Deceptive Practices : The Verified Approval ( XXXX Weeks Ago ) : A customer service manager reviewed my case file and explicitly confirmed that my identity verification and card documentation were fully processed and approved. I was given a binding verbal assurance that my replacement funds were being issued and mailed. The Contradictory Promise ( Subsequent Call ) : Upon following up, I was informed the previous approval was void.…

I received a Vanilla XXXX XXXX XXXX worth {$25.00} as a birthday gift on XXXX XXXX However, the card has been completely blocked by the issuer, preventing me from activating it, checking the balance, or using it. I have repeatedly contacted customer service to resolve this issue and requested them to unblock the card. Instead of helping, the representative told me that I must provide the original purchase receipt before they would investigate. Since this was a birthday gift given to me, I do not have the purchase receipt and have no way to find or obtain it. The company is using this impossible requirement as an excuse to freeze my funds and refuse to help. I am filing this complaint to request that the company investigate this based on the card information and unblock my gift card immediately so I can access my full balance.

I bought a vanilla visa prepaid card on XX/XX/year> ( {$25.00} ) ( paid in cash ) when i got home & i activated it and tried to use it but got placed on hold the card. Then i called customer service line and they was not answering and completely unresponsive

I am filing a complaint against XXXX, XXXX. regarding a XXXX virtual Visa reward card managed by InComm. In XX/XX/XXXX, the card was placed " ON HOLD '' due to an automated security flag when I accessed the reward portal while traveling. I immediately contacted customer service, and was told the account would be closed and the remaining {$150.00} balance would be mailed to me via a physical check. I was issued Case Number XXXX. The promised check was never sent. When I contacted the company to follow up, I was informed that the case had been closed and they refused to assist me or reissue the funds, claiming I had to contact the insurance issuer. Meanwhile, because the company failed to issue the refund check, the card passed its 12-month mark. XXXX/InComm is now actively drawing down my trapped balance by deducting a {$2.00} monthly " Service Fee '' ( deductions occurred on XX/XX/XXXX and XX/XX/XXXX ) while keeping the account locked.

So i bought a XXXX card and put a lot of money on it. I had around {$240.00} before i had bought {$130.00} worth of something from a store. After i had purchased it i had around {$100.00}, i went and returned all the stuff i had bought that was {$130.00}. But i am still left money around {$100.00}. I need help on how i can find and get my money back on my XXXX card.

Vanilla Gift Card can not be use anywhere, they have sent me replacement cards XXXX times and it would still not take it anywhere. I have XXXX cards and each with {$500.00} on it. At this point its fraud and theyre holding money in these gift cards cause they dont have money to pay it out. This is straight up fraud and worst than the learing center. The corporation/bank that back vanilla gift card can go to XXXX XXXX XXXX XXXX

On XX/XX/year>, I purchased a {$150.00} Vanilla Gift Card with cash at a XXXX store. Although it was a successful transaction and I received a valid purchase receipt, the card failed to activate. Every attempt to check the balance or use the card has resulted in a " System Error '' message. I had been attempting to resolve this through the companys official website 6 times and calling their customer service line 3 times over the past 4 days. Totaling 9 failed attempts, I have encountered nothing but automated errors and a complete lack of human support. As an international student, this {$150.00} represents a significant portion of my essential living funds. XXXX Payments has effectively seized my cash without providing the promised service or any functional means of redress. This lack of accountability is a predatory business practice that harms many consumers.

Hello, I am filing a complaint regarding a denied fraud dispute involving a XXXX gift card handled by InComm. This card was given to me as a birthday gift. After activating the card, I only used it once for a purchase at XXXX. A few days later, I attempted to use the card again and it declined, even though I knew there should still be money remaining on the balance. When I checked the transaction history online, I discovered an unauthorized charge for approximately {$120.00} from XXXX. I did not make, authorize, or benefit from this transaction in any way. I do not shop on XXXX and have never used this card on that website. I immediately reported the fraudulent charge and submitted a dispute. However, my claim was denied without a clear explanation as to why the transaction was considered authorized. I appealed the decision because I genuinely believe my card information was compromised or stolen.…

I received a {$500.00} Vanilla XXXX gift card as a gift. The card was activated on the Vanilla XXXX website. I attempted to use the card for a {$500.00} purchase on XX/XX/year>. The merchant attempted to process the card twice, and the card was denied. I attempted to use the card on XXXX for a {$78.00} purchase on XX/XX/year>, but it was denied. I attempted to use the card for a {$13.00} purchase at a local grocery store on XX/XX/year>, but it was denied. I followed all of the steps to get the card properly activated on the Vanillagift.com website. On XX/XX/year>, I called the phone number on the back of the gift card, XXXX, and spoke to a customer care representative named XXXX. She would not offer me a replacement card, despite the website clearly stating that one can be provided. Instead, she insisted that I keep using the card for both online and in-store purchases.…

I received a Vanilla Gift Card as a gift, but when I attempted to use it, the card showed a {$0.00} balance and an 'activation error ' message. I contacted XXXX Customer Support to resolve the issue. The agent confirmed that the funds did not load properly due to an activation failure at the retailer. However, the company refused to open a formal investigation or provide a case number because I do not have the original purchase receipt. As this was a gift, I do not have access to the receipt, and the company is refusing to use the cards serial number to trace the transaction or fix the error. I am seeking a replacement card or a refund of the intended gift amount.

I bought a visa XXXX $ gift card for my mom in cash on XXXX XXXX XXXX. My mom used it on XXXX shop and spent XXXX $ on XXXX XXXX. They canceled the card for fraud and send a new card. actived the new card on XX/XX/year>. With the balance of XXXX The card is not able to be used anywhere. I attempted to use it at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) every location declined it. Spoke to customer service and called them 8 times. They would put me on hold and hang up the phone call everytime. They would let me know the accepeted merchants involved. I got 0 information on where this card is even able to be used, and online they say its usable as a grocery store/XXXX but why is mine not even usable.

To Whom It May Concern, I am filing a formal complaint regarding a Vanilla Gift Card that I purchased approximately one year ago. Without warning, the card was deactivated by the company. When I contacted customer service, I was informed that the remaining balance would be refunded to me by check. However, it has now been over a year, and I have not received any refund. The remaining balance owed to me is {$380.00}. I have made multiple attempts to resolve this issue by contacting customer service, but each time I am given the runaround and no resolution. Despite repeated assurances, no check has been issued. At this point, I am requesting immediate action to recover my funds. This situation has caused significant frustration, and I believe this delay is unreasonable and unacceptable. I respectfully request that this matter be investigated and that I receive my refund promptly. Please let me know if any additional information is needed to process this complaint.…

I am filing a complaint regarding a {$1000.00} prepaid gift card issued by InComm that I never received, but which was accessed and fully used by an unauthorized party. XXXX ( XXXX XXXX ) issued this payment to me as part of a promotion and used InComm as the gift card provider. I received an email indicating that the gift card would be mailed to me. However, I never received any physical card or any digital card details. After waiting approximately three weeks, I contacted XXXX. They informed me that the payment had already been issued and directed me to contact InComm. When I contacted InComm, I was told that the gift card may have been issued digitally and that the full {$1000.00} balance had already been used at multiple locations. I never received the card or any card information, so it would have been impossible for me to access or use the funds. I filed a dispute with InComm, but it was denied.…

My Vanilla Gift card was drained by a scammer for gambling. I have the physical card. The company 's phone system and website are broken/looping and preventing me from speaking to a human to report fraud. I want my funds restored under Zero Liability.

I paid {$100.00} for a Vanilla card on XX/XX/XXXX. The card was defective/compromised. The company admitted fault but sent a replacement with the wrong name. Since XX/XX/XXXX, they have promised verification emails that never arrive, effectively stealing my {$100.00}

I got a Vanilla gift card at XXXX XXXX in XXXX TN for {$400.00}. It has never worked and all they tell me is continue trying it. However Ive tried online in store etc. multiple times. They have scammed me out of {$400.00}! With so help I can get from anyone.

I am filing this formal complaint against InComm Financial Services regarding Ticket # XXXX. Despite providing undeniable evidence of fraud, my claim was unjustly denied without a specific explanation. 1. Physical Impossibility : On XX/XX/year>, at XXXX XXXX, XXXX unauthorized transactions were made at different XXXX locations ( Store # XXXX, # XXXX, # XXXX ) within the exact same minute. It is physically impossible for a cardholder to be at multiple locations and process XXXX transactions simultaneously. This is a clear indicator of a bot-driven security breach. 2. Administrative Failure : During the dispute process, InComm repeatedly sent me documents with incorrect personal information ( wrong name and address ). I had to manually correct, sign, and mail the documents. Although InComm confirmed receipt of these documents on XX/XX/XXXX and XXXX, they issued a denial on XX/XX/XXXX without addressing the simultaneous transaction pattern. 3.…

I was told by a supervisor named XXXX on ( XX/XX/year> ) that I should have called them before attempting to make a purchase with XXXX, this was not a reasonable response because I did call after the first decline and was told by a representative with the company that I needed to wait an hour before using, which is exactly what I did. There is nowhere on their site about merchants that do not accept their cards nor was I ever told about any specific companies.

On XXXX XXXX XXXX XXXX XXXX there was a charge put on my prepaid vanilla XXXX of {$50.00} For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am living in XXXX, XXXX and we don't have XXXX service in this city not have I been to XXXX, XXXX in over 10 years! This is what happens when you use credit cards online I have found out in the past! Also have screen shots, case number, email from the credit card company!

On XX/XX/year>, I received an image of a prepaid debit card valued at {$50.00}, from an out-of-state relative. The card image was sent via text msg. I attempted to load the card image received to XXXX XXXX. I was unsuccessful in loading the {$50.00}, utilizing the card number, expiration date, and security code from the card image. I immediately made contact with the relative who submitted the card image to me. I informed this relative I would follow-up with her the following day, as I was unable to load the funds to XXXX XXXX XXXX After continuously following up over the next four days ( via numerous texts and calls ), the relative refused to respond. Something appeared out of sync.

I received a {$50.00} XXXX gift card that was issued by InComm and purchased at a XXXX on XX/XX/XXXX at XXXX pm. On XX/XX/XXXX at XXXX someone tried to charge the card for {$43.00} on XXXX and they detected fraud and blocked the charge thankfully. A few days later on XX/XX/XXXX at XXXX another fraud attempt for aliexpress went through on the card without my approval for {$49.00} leaving my gift card with a balance of only XXXX cents. I filed a dispute for this claim with XXXX and XXXX and they denied my dispute and would not return my money back to my card. After already detecting suspicious activity and blocking the XXXX fraud charge they went ahead and allowed the XXXX fraud charge to go through. I am highly upset with how they are handling this and are even ignoring me at this point so I was left with no choice but to take it up with further action.

I have XXXX Vanilla Visa gift cards given to our family during a medical emergency to help. XXXX is {$500.00} and the other is {$400.00}. Both cards were in their packaging and were intact with no signs of damage or tampering. All numbers are legible. I have tried to activate the {$400.00} card ( not the {$500.00} card yet ). On the website I keep getting the following error message : " A system error has occurred. To use the website properly, make sure you are accessing it from within the United States and not using a VPN. If you still have issues, try using a different device and ensure you are logging in with the correct card details. '' Im not using a VPN. I have tried XXXX and safari with my laptop on various trusted wifi networks ( hospital, home, work ), and using my cell phone disconnected from the wifi.…

This matter relates to CFPB XXXX XXXX and InComm Case XXXX. I was requested to provide copies of my personal identification, a utility bill, photos of the cards, and purchase receipts, with the understanding that the review would be completed within XXXX business days. I submitted all requested documentation on XX/XX/year>. I followed up with InComm via email on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, but I have not received any response to date.

I purchased XXXX XXXX XXXX XXXX at XXXX. These cards are serviced by XXXX. I successfully used 5 and the 6th one failed. I attempted 3 times over 2 days and all attempts failed. I called customer service and they refused to help me. They gave me nonsensical suggestions and when I asked for a supervisor, they hung up on me.

I bought a gift card and activated it but when I tried to use it it got locked its been a month and a half now and they are refusing to unlock it

I had a electronic {$100.00} Vanilla Visa Gift Card that was stolen. Almost, all the money is gone. Only a few cents remain. I opened a case with Vanilla. They denied it. I went to police and opened an incident. Emailed Vanilla with info, kept emailing them more, while none of my emails were answered. I am frustrated and did not know what else to do, until I found out about Consumer Financial Protection Bureau. So far, there has been no response from Vanilla. I am very upset. {$100.00} is not a money I can overlook.

Purchases from XXXX XXXX, an aftermarket firearms parts manufacturer automatically results in the closing of gift cards purchased from Vanilla Gift Cards, managed by XXXX Payments in direct violation of Executive Order ( E.O. XXXX ), " Guaranteeing Fair Banking For All Americans. '' Cards are put " On Hold '' and when cardholders call to have the hold removed, they are informed that the hold can not be removed from existing card.

On XX/XX/2026, I called the number on the back of the gift card to find out why my gift card was not working and I was unable to check the balance on it. I spoke with someone who informed me that the card was locked because of an online purchase that was more than the amount on the card. The payment was declined by the merchant I attempted to buy from and I my card has been locked since. The person I spoke to opened up a case with their company. I was given an email to send more information to them, and I did so ( many times ). I resent the XXXX email with the information to them XXXX more times because no one would email me back and I still received nothing in reply. After the second email, the case status on their website moved from XXXX XXXX XXXX XXXX, back down to XXXX XXXX Awaiting Documents. After a while they just closed the case " due to inactivity ''.…

I am filing a complaint regarding XXXX XXXX prepaid gift cards purchased at a XXXX XXXX store on XX/XX/year>2026. When I attempted to use the XXXX cards at a XXXX store on XX/XX/year>2026, both transactions were declined. Upon checking the balances on XXXX XXXX prepaid gift card website, I found that both cards had been locked, despite each having a remaining balance of {$500.00}. I contacted customer service and was informed that the cards had been locked and that XXXX replacement cards would be mailed to my home address. I received the XXXX replacement cards a few days later ; however, when I attempted to activate them, both replacement cards were also locked. I contacted customer service again and was asked to provide the original purchase receipt, copies of the front and back of the prepaid gift cards, a copy of my drivers license, and a utility bill to verify my address. I promptly submitted all requested documentation.…

I do not accept the companys response. The company continues to rely on the cardholder agreement instead of addressing the facts of this case. A general policy statement does not explain or justify an unauthorized transaction. I did not authorize the {$190.00} transaction in XXXX XXXX, Nevada. I reside in Texas and still have the physical card in my possession. Therefore, it is not possible that I conducted a card-present transaction in Nevada. The company has not provided any evidence showing how this transaction was authorized. They have not stated whether the transaction was card-present or online, nor have they provided any supporting documentation. If the transaction was card-present, it is impossible because I have the physical card. If the transaction was completed without the physical card, then the card information was compromised, which contradicts the companys claim that there is no evidence of compromise.…