InComm Financial Services, Inc.

August 28, 2015
 
 
class="MsoNormalCxSpMiddle"> 
Ms. [redacted]
Revdex.com
Post Office Box 2587
Columbus Georgia 31902
 
Re: Revdex.com Case # [redacted] – [redacted]
 
Dear Ms. [redacted]:
 
Receipt of the above styled inquiry is hereby acknowledged. We have
investigated the issue with Mr. [redacted]’s Vanilla Visa Gift Card.
 
Mr. [redacted] originally contacted our office on January 6, 2015 to
report a lost card. We were able to locate the card account based on the
information he provided to place the card on hold to prevent further
transactions. We advised Mr. [redacted] that the card balance was $1.54. We
issued a replacement card with this remaining balance of $1.54 to the address
he provided. Mr. [redacted] contacted us on multiple occasions to advise he has
not received his replacement card. A replacement was reissued in April to an
updated address provided by Mr. [redacted] and he finally received his card
April 21, 2015.
 
Upon receipt of the replacement card, Mr. [redacted] contacted us to
dispute the charges. We place a great deal of importance on customer
satisfaction. The call center representative should have provided Mr.
[redacted] a dispute packet when he called us on January 6, 2015. We are
reviewing how the call was handled and will take the appropriate corrective
action to ensure better future results. As evidence of our commitment to
customer satisfaction and as a gesture of our goodwill, we have sent a
replacement card to Mr. [redacted] for $100.00.
 
We sincerely apologize for any inconvenience this matter has caused.
Thank you again for bringing this to my attention. If you have questions, or I
may be of further service please contact me directly.
 
Sincerely,
 
 
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc.
1200 Brookstone Centre Pkwy, Suite 220
Columbus, Georgia 31904
(678) 921-5342

March 16, 2016
Ms. [redacted]
Revdex.com
Post Office Box 2587
Columbus Georgia 31902
Re: Revdex.com Case
# [redacted] [redacted]
Dear [redacted]:
Receipt of the above styled
complaint is hereby acknowledged. We have reviewed [redacted] response to our
letter.
[redacted] first complaint was
in regards to an ownership dispute. We have since confirmed the card was
registered in her mother’s name. When we spoke with [redacted] to resolve the
first issue, she then advised us that she did not authorize the transaction
made by the merchant MAB PAY in the amount of $163.00. We sent [redacted] a dispute
packet March 9, 2016 via email. We would like to issue a chargeback on her
behalf; however, VISA regulations require us to have a completed dispute
packet. We have not received the completed
dispute from [redacted] Visa regulations provide a specific timeframe during
which these items can be handled. [redacted] should be aware that her rights
will expire if we do not receive the dispute packet in a timely manner. As
always, we strive to ensure our customers have a good and equitable experience
with our products. Until such time as we receive the requested information to
correct this issue, we consider this matter closed.
We place a great deal of
importance on our customer satisfaction and want to be sure that our customers
have a positive experience with our product. Please call if you have any
questions, or if I may be of further assistance in any way. I remain,
Sincerely,
[redacted]
Chief Operating Officer
Incomm Financial Services, Inc.
1200 Brookstone Centre Pkwy,
Suite 220
Columbus, Georgia 31904
(678) 921-5342

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.] My cards NEVER left my possession, I did not divulge my PINs to ANYONE, This company is a scam, Why would I give my PINS to anyone and then file a report ?? Makes no sense, even envolving the Police ? If , In fact my funds will not be refunded, would you Please give me the name of the individual responcible for my missing funds and what or where the funds were spent, I do know you have this informationRegards,[redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
As  I explained in my first email, I contacted the FBI in regards to this claim and my local [redacted] County Sheriffs office will not handle this as it is considered an Internet crime.  My last corredspondence with this company was September 4, 2015 with [redacted] who stated that unless my local law enforcement office contacted this company, nothing would be done.
We are talking about fraud. I paid $2000 for a car I did not receive.  This company knows which Pay Pal account this money was transferred to, I have provided all evidence requested by this company to prove that fraud has taken place, I have also provided evidence that the people conducting the fraud are still trying to sell the same car on Craigslist that I paid for and which was not delivered. This company is a party to fraud not just with my case although that has been proven to you and the company but allows this company that has committed fraud to continue to use Pay Pal to conduct their fraudulent activities. 
This is illegal as proven. but yet condonned.
The company has also advised me during the September 4, 2015 phone conversation that FBI is not considered a law enforcement agency.
I am very worried that these companies are allowed to operate out of the United States with no accountability.
Thank you very much for any assistance you might be able to provide.
Sincerely,
[redacted][Provide details of why you are not satisfied with this resolution.]Regards,[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I spoke with [redacted] from Vanilla Visa. She was professional and seemed to do all she could to resolve the situation. She activated the card in my possession and told me to contact her if there were any problems. I have attempted to use the card and review it online with no success. The card is not activated and does not work. 
Regards,
[redacted]

July 18,...

2014
 
 
 
Ms. [redacted]
Revdex.com
Post Office Box 2587         
Columbus Georgia 31902
 
Re: Revdex.com Case # [redacted] – [redacted]
 
Dear Ms. [redacted]:
 
Receipt of the above styled complaint is hereby acknowledged. We have
investigated the issue with Ms. [redacted]’s Vanilla Reload Network Card. Thank you
for taking the time to make us aware of the issue. 
 
We have reviewed Ms. [redacted]’s complaint and it appears she voluntarily
provided her card information to initiate the transaction on the card in
question. We would like to urge Ms. [redacted] to contact law enforcement. We will
cooperate fully in the investigation.  While
we regret that our products were used in this manner, the transactions
themselves are not fraudulent.  In accordance with our normal procedures
we reviewed the reload pack as well as the receiving account.  We found that both the reload pack and the receiving
accounts had been fully redeemed.  The
receiving account has been marked as fraud prior to the filing of this
complaint as it is a known scam account. We will remain willing to assist law
enforcement with the ongoing investigation and resolution of any crimes which
may have been committed. We also have verbiage on our website www.vanillareload.com that lists the top 10 ways to prevent fraud and also
keeps our consumers up to date on the most common scams.
 
We place a great deal of importance on customer satisfaction and want
to be sure that our customers have a positive experience with our product. We
regret the circumstances that have led Ms. [redacted] to contact our office.  We will pledge our support in the
investigation and resolution of the matter and hope that she is able to recover
her losses.  We are unable to reimburse
this loss since the reload pack was redeemed with Ms. [redacted]’s consent. Please
call if you have any questions or if I may be of further assistance. Thank you
for bringing this to my attention. 
 
Sincerely,
 
 
 
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc.
1200 Brookstone Centre Pkwy, Suite 220
Columbus, Georgia 31904
###-###-####

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
 
 




 
Thank you for forwarding me the response from ITC Financial Licenses, Inc.
 
My understanding, after I first spoke with ITC's customer service representative, was that the card had simply not been activated but that their records showed that it had been purchased. From ITC's most recent letter, I understand that their records show that the card was not purchased. While this is very surprising, as I do not believe the card was stolen, I do not have any proof of purchase to disprove their records. The card was a gift, I do not have a receipt.
 
Without that information, I do not think there is any basis to continue my complaint. I will, however, be recommending to any other friends or family that they do not purchase prepaid Vanilla Visa cards. There should, at the very least, be some indication on the Vanilla Visa card packaging that they recommend that customers keep their receipt so that any activation issues can be dealt with fairly. 
 
Sincerely, 
 
[redacted]

December 30, 2014
 
 
Ms. [redacted]
Better Business...

Bureau
Post Office Box
2587      
Columbus Georgia 31902
 
Re: RevDex.com Case #[redacted] - [redacted]
 
Dear Ms. [redacted]:
 
Receipt of the above
styled inquiry is hereby acknowledged. We have investigated the issue with Ms. [redacted]’
$50 Vanilla Visa Gift Card.
 
Unfortunately Ms.
[redacted] was a victim of a form of fraud known as package tampering.  Her card was fraudulently compromised prior
to activation.  Our fraud team is
currently investigating this issue.  We
place a great deal of importance on customer satisfaction and want to be sure
that our customers have a positive experience with our product.  Ms. [redacted] originally contacted our office
December 29, 2014.  We activated her
Vanilla Visa Gift Card on December 29, 2014 and she has successfully used the
card to complete numerous transactions.  Ms.
[redacted] currently has a balance of $8.36. 
 
We sincerely apologize
for any inconvenience this matter has caused. Thank you again for bringing this
to my attention. If you have questions, or I may be of further service please
contact me directly. With warm regards I remain,
 
Sincerely,
 
 
 
[redacted]Chief Operating Officer
ITC Financial Licenses,
Inc.
1200 Brookstone Centre
Pkwy, Suite 220
Columbus, Georgia 31904
###-###-####

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.]
Because I gave the money in good faith and now I did not get what I paid for and they are not returning my money. I will not do business with them again ever. You do not have a satisfy customer but I don't think you care cause you knew you would not return my money. I feel like you just stole my money from me.
Regards,
[redacted]

Please consider this...

my request to cancel the complaint for the Vanilla Visa complaint ID No. [redacted]. I have resolved the issue.
Thank you,
[redacted]
[redacted]
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Due to their system errors I was forced to pay a higher price for my plane ticket and an additional fee to load the difference onto the card. I put an additional $62 on my card for a fee of $3.74. I am requesting a refund of $65.74. The prices on [redacted] increase daily and due to their error and them not fixing their error until the next day the ticket price increased from $279.80 to $341.70 and it is this company's error that cost me $65.74 that I need.
Regards,
[redacted]

I just received a phone call from ITC Financial Licenses, INC. They refunded my $20 and gave me $10 for all the inconvenience.  Thank you for your help on getting this issue resolved.
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]
 
 I do not accept this response and the actions taken.  I originally asked to have my money returned to my card.  The company stated it was placed on a hold, with out telling me this when the action was taken.  There has been no communication with me from them, I have had to do all phone calls which has racked up my minutes on my phone as well as my time trying to get this resolved.  I finally had a voicemail stating to call [redacted] and her telephone number so I can resolve this matter, I returned the call the same day.  I left a voicemail that day and every day since, aside from the weekend.  I called yesterday and was told the records show I spoke to this [redacted] person, which never happened.  They issued me a check with out even speaking to me, stated they would not refund the extra money I have paid them for their services, will not give me any information on where to file a complaint.  I requested a corporate number and they provided me with a number that reroutes back to the same customer service people.  When I first called, I was rudely told to drive 8 hours back to where I reloaded the card.  I have had so many different things told to me by this company while trying to do my best to resolve this issue.  Now a check has been issued with out speaking with me first, and I have to wait another 3-4 weeks for it to arrive.  All of this stress caused by your company over the only money I have, $80.  All of the time and energy as well as the stress you have placed on me at least deserves my money refunded as well as the money paid for your services.  I have left multiple messages for [redacted] to call me and she never responded.  The mere fact that your customer service has lied and given misleading/untrue information should at least result in this small request.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Roman","serif";mso-fareast-language:
EN-US">December 17, 2015
Ms. [redacted]
Revdex.com
Post Office Box 2587
Columbus Georgia 31902
Re: Revdex.com Case #[redacted] – [redacted]
Dear [redacted]:
Receipt of the above styled complaint is hereby acknowledged. We have
attempted to contact Ms. [redacted], via e-mail address and via phone number
provided in her complaint, regarding further necessary information needed to
investigate the issue she is having with her PayPal MyCash Reload Card.
We contacted Ms. [redacted] via e-mail on December 9, 2015, via phone on December
15, 2015 and December 17, 2015. We have not received the requested information
from Ms. [redacted]. If she will furnish the requested information, we will be
glad to investigate and resolve the issue. As always, we strive to ensure our
customers have a good and equitable experience with our products. Until such
time as we receive the requested information to correct this issue, we consider
this matter closed.
To properly and promptly research this issue, we need the number of the
card in question. You can fax either a copy of the card and/or receipt to
866-295-0646.
Please call if you have questions or if I may be of further service. I
remain,
Sincerely,
[redacted]
Chief Operating Officer
Incomm Financial Services, Inc.
1200 Brookstone Centre Pkwy, Suite 220
Columbus, Georgia 31904
(678) 921-5342

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I have received the information and consider this complaint resolved.Thank you for your help!!
Regards,
[redacted]

September 10, 2015
 
 
 
Ms. [redacted]
Revdex.com
Post Office Box 2587
Columbus Georgia 31902
 
Re: RevDex.com Case # [redacted] – [redacted]
 
Dear Ms. [redacted]:
 
Receipt of the above
styled complaint is hereby acknowledged. We have investigated the issue with
Mr. [redacted]’s PayPal MyCash Reload Card.
 
We have reviewed Mr. [redacted]’s
complaint and it appears he voluntarily provided his card information to
initiate the transactions in question. We advised Mr. [redacted] to contact law
enforcement. We will cooperate fully in the investigation. While we regret that
our products were used in this manner, the transactions themselves are not
fraudulent. We found that both the reload pack and the receiving accounts had
been fully redeemed. We will remain willing to assist law enforcement with the
ongoing investigation and resolution of any crimes which may have been
committed. It is important to remember you should never give your PIN to
anyone.
 
We place a great deal
of importance on customer satisfaction and want to be sure that our customers
have a positive experience with our product. We regret the circumstances that
have led Mr. [redacted] to contact our office. We will pledge our support in the
investigation and resolution of the matter and hope that he is able to recover
his losses. We are unable to reimburse this loss since the reload pack was
redeemed with Mr. [redacted]’s consent. Please call if you have any questions or if I
may be of further assistance. Thank you for bringing this to my attention.
 
Sincerely,
 
 
 
[redacted]
Chief Operating Officer
ITC Financial Licenses,
Inc.
1200 Brookstone Centre
Pkwy, Suite 220
Columbus, Georgia 31904
(678) 921-5342

To Whom it May Concern:
Attached please find copies of the original receipt from Walmart.  On this receipt as it clearly states there is a charge in the amount of $4.94 for the purchase of the Vanilla MasterCard gift card and immediately following the purchase of the card is the debit load to the card in the amount of $80 as well as the activation reference code #[redacted] on the bottom of the receipt.  I have also attached a copy of the original packaging with the sku numbers also match the receipt.  I can also provide a copy of the actual card which I have provided to Incomm several times, as well as a copy of my drivers license and front and back of the card.  I would like to acknowledge that their rebuttal to my claim is nullified as it so clearly states that I haven't provided the proper information.  I would also like to state that upon their request we did return to Walmart and  spoke to the store manager. He stated that "The receipt clearly shows the purchase, load and activation of the card."  I have spent several hours on the phone with multiple employees and managers of Incomm, as well as returning to Walmart to speak with the manager there.  If there is something more that I need to provide I am more than willing to provide it. 
Thank you so much for your time and consideration regarding this matter.  I appreciate your help resolving this issue.
S[redacted]

September 21, 2016       Ms. [redacted] Revdex.com Post Office...

Box 2587 Columbus Georgia 31902   Re: Revdex.com Case # [redacted] – [redacted]   Dear Ms. [redacted]:   Receipt of the above styled complaint is hereby acknowledged. We have investigated the issue with Ms. [redacted]’s MyVanilla Reloadable Debit Card.   After researching this inquiry we found that the card in question received a credit on September 1, 2016 for $279.96 from CVS Pharmacy #00553 in Amityville, NY. There were no previous debits from CVS Pharmacy. As standard procedure we requested copies of the purchase receipt and the return receipt for this transaction. In the event goods or services are returned we request a receipt from the initial purchase as well as the return to ensure no error has been made and no fraud committed.   Mrs. [redacted] was unable to provide the needed documentation. The funds were returned to CVS Pharmacy on September 21, 2016. We removed the hold on her account and she has been successful in using her card. We sincerely apologize for any inconvenience caused by this matter. Thank you for bringing this to our attention. Please call if you have any questions or if I may be of further assistance. I remain,   Sincerely,       [redacted] Chief Operating Officer Incomm Financial Services, Inc. 1200 Brookstone Centre Pkwy, Suite 220 Columbus, Georgia 31904 [redacted]