Credit card or prepaid card -- Trouble using the card -- Complaint #4925244
Complaint Overview
Complaint ID: 4925244
Company: Incomm Holdings INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose prepaid card
Issue: Trouble using the card
Sub-Issue: Trouble using the card to spend money in a store or online
State: Connecticut
ZIP Code: 06040
Date Received: 2021-11-18T12:00:00-05:00
Date Sent to Company: 2021-11-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I was given a {$150.00} Vanilla Visa Gift card for my Birthday. I went to use the card on XX/XX/XXXX and the purchase was declined. I called the number on the back of the card and learned that the card was used at a XXXX store in XXXX, CA on XX/XX/XXXX for {$110.00}. I live in the state of CT. The card was purchased in CT. I was trying to use the card in CT. I filed a dispute with Vanilla Visa Gift Card Co on XX/XX/XXXX. On XX/XX/XXXX I was informed by XXXX XXXX at XXXX ( Parent Company ) that they would not be refunding my money at all since supposedly the card was physically presented at the XXXX store at the time of purchase. Thereby, absolving them of any responsibility. I can prove I was not in California on the dates in question. Again, I have the card in my possession. Additionally, per their automated message, as soon as a complaint is filed, any balance left on the card is frozen while the complaint is investigated. The card was used AGAIN well after the complaint was filed. This time in XXXX XXXX, CA on XX/XX/XXXX at another XXXX for the remainder of the card balance- {$35.00}. Somehow this money is getting refunded to me per XXXX. Small consolation in the grand scheme. I want a refund of the {$110.00}. I have filed a complaint with the XXXX XXXXn Georgia, where the XXXX headquarters are. Last I saw the company has yet to respond to this complaint. This is outrageous that I should be penalized in any way for fraudulent activity they allowed. Whether the card was duplicated, the numbers were stolen, whatever, the company should be responsible.
Frequently Asked Questions
What is Complaint #4925244 about?
Complaint #4925244 was filed against Incomm Holdings INC. regarding Credit card or prepaid card specifically about Trouble using the card. It was received by the CFPB on 2021-11-18T12:00:00-05:00.
How did Incomm Holdings INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Incomm Holdings INC.?
Yes, visit the Incomm Holdings INC. company profile at readthecomplaint.com/company/incomm-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.