Credit card or prepaid card -- Trouble using the card -- Complaint #7223659
Complaint Overview
Complaint ID: 7223659
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: Nebraska
ZIP Code: 689XX
Date Received: 2023-07-08T12:00:00-05:00
Date Sent to Company: 2023-07-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
We bought an Incomm Vanilla Visa card on XX/XX/ from the XXXX XXXX XXXX. We added {$450.00} to it. Upon opening the wrapped paper made visa card, the adhesive material that held the financial information regarding the card to the card pulled off 2 digits from the card number, rendering the card unreadable and useless. XXXX would not replace the card and cancel the damaged card. I called Incomm Customer service who asked me to send required documents to their email address so they could investigate and replace my card. I was told this process could take 30 days. I have kept very meticulous documentation regarding the times that I reached out to customer service for 2 months now, showing that they had me on hold for 30 minutes to over an hour on one occassion. I finally received the replacement card almost two months after I filed the complaint, and when I checked the balance on the card, the {$450.00} was missing. The balance was XXXX dollars and XXXX cents. I have a snapshot of the online transactions showing that customer service removed {$450.00}. But did not return it to my new card. Customer service has acknowledged that they made a mistake and told me to give them " 24 to 48 hours '' to return the money to my card, as they had " escalated '' my complaint, and I was told they would automatically deposit it onto the card. Now that was a week ago. They " escalated '' it twice this week and I have heard NOTHING from them. They have not called me, they have not emailed me nor texted me regarding this complaint since XX/XX/XXXX, when they contacted me to say that they were " missing a needed document '' Which had already been sent to them in the first initial email. However, I resent the whole entire email including all of the documents. I have discovered that there is another class action lawsuit regarding Incomm Vanilla Visa, for multiple complaints like this. The 2nd one in 3 years. This sounds too convenient and I feel this should all be investigated. I will not settle for a fraction of what we applied to this card. I want every dime back.
Frequently Asked Questions
What is Complaint #7223659 about?
Complaint #7223659 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 2023-07-08T12:00:00-05:00.
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.