InComm Financial Services, Inc.

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.
There was nothing satisfactory about this nightmare. I'm still cleaning up the financial mess (trying) to use your card had caused me. It took over 2 weeks to get at that direct deposit load, also meaning I had to live the whole month of Feb month on 1 paycheck. Unfortunately, I live paycheck to paycheck so this was financially devastating. Because your card specifically states you could use it internationally is why I bought it to begin with. I have a lot of European co-workers looking for a card you could use over seas. They have been warned about the MyVanilla and the games they play with people's moneys. This has been resolved in an unsatisfactory manner & unsatisfactory time span and I will not be doing anymore business with MyVanilla, ITC Financial Licenses, Inc. or even Bancorp if I could avoid it. They prey on (poor) people. Buyer beware!
Consumers please note: The prepaid cards do not have the same (tight) FDIC restrictions as banks & REAL bank provided debit & credit cards so they can get away with their playing with your money practices. You see their "it's never us" responses. It's to protect them to be able to hold & float your money, not to protect you with your money. BUYER BEWARE!
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 appe
I would accept the offer if the business make me whole. they pay my late fee charges of 50 dollars, I would be satisfied. they placed 25 on the card, another twenty-five will settle my false advertising charge and my injuries.
Regards,
[redacted]

March 31, 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 inquiry
is hereby acknowledged. We have reviewed Mr. [redacted]’s response to our letter.
When we received the original
complaint in accordance with our normal procedures we thoroughly reviewed and
investigated Mr. [redacted]’s complaint. As mentioned in our last response, a
letter was sent on March 11, 2016 stating the final date of resolution would be
no later than April 12, 2016. As always, we strive to ensure our customers have
a good and equitable experience with our products.
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
[redacted]

February 3, 2015
normal"> 
 
 
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 Ms. [redacted]’s MyVanilla Reloadable Prepaid Debit Card.
 
Due to technical issues beyond our control, transactions could not be processed during the time Ms. [redacted] was attempting to use her MyVanilla Reloadable Prepaid Debit Card. The issue has been resolved and any funds that were unavailable as a result of the system issue were made available within 24 hours. 
 
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, and if you would like all of the evidence that I have please do not hesitate to ask.  Im more than willing to provide any and all supporting documents.  Thank you for your time.
  Nov 19th was never the agreement, like I said I was there to finance a 2008 Saturn Aura XE and put a down payment on the vehicle...I even had the vehicle for a short period of time.  Actually I got a speeding ticket (on camera) in that vehicle.  That is also how I know the VIN and was required to obtain insurance for the saturn(which I still have the policy).  So I still have solid proof(Documents) to show what dates the loaner was used and which the Saturn which I was driving for a longer period of time than the borrowed(not rented) borrowed vehicle....I do have witnesses....2 GySgts...2 Ssgts, my sister, and a few friends.  My uniforms (all of them were held and never returned by this same dealership.  Mike (dealership owner) reported it stolen out of spite, Im not the first person he has ripped off or stole from,  just look on the ripoffreport.com's website.  So if Vanilla Visa WANTS some solid proof I HAVE IT to support my statements 100%.  Im a US Marine I can work for what I own, not to mention you can even call the Gunnery Sgt that he verbally harrassed(thats not the only person that was verbally harrassed).  Vanilla Visa should look at the facts with all supporting evidence.   Do you think honestly for one second that a handful of military members that do not know each other at all would flat out ruin their integrity? No, that would never happen.  Im curious why vanilla visa is so quick to jump in favor of a small crooked dealership(because they had a single sheet borrower agreement form) which everyone knows that  has nothing to do nor is it a receipt to rent a vehicle....Also not to mention there is one more receipt I still have that vanilla visa doesnt due to the fact cash was paid..... I hope you ask for MY evidence which once (if asked) it is seen you will definitely think differently about the situation.  Thank you for honoring  the FAIR credit billing act from your dedicated US Marine(no NJPS, write ups or disciplinary action problems what so ever). Read that sheet again, the only time money is charged to the borrower is if any new visible damage is created that was obtained while the vehicle was in the borrowers possession.( which there was no damage at all)
 
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 called several times, and every time I call they will ask me for something new... I did not leave the country.... I have give the Vanilla reload my new address..my name....I tried to talk with the manager and they refused that too. [Provide details of why you are not satisfied with this resolution.]
Regards,[redacted]

June 8, 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 inquiry is hereby acknowledged. We have reviewed Ms. [redacted]’s response to our letter.   We received the documentation on May 30, 2016. The chargeback was submitted on June 7, 2016. Per Visa Regulations, the merchant has 45 days from the date the chargeback was submitted to represent. The 45th day will be July 22, 2016. If the merchant does not represent, a $25.00 replacement card will issued to the address provided in Ms. [redacted]’s complaint.   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 sincerely apologize for any inconvenience this matter has caused. Thank you for bringing this to our attention. 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 [redacted]

July 23,...

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 Visa Gift Card.
 
After
researching Ms. [redacted]’s issue we found that she is attempting an amount
more than the balance on the card.  Her
Vanilla Visa Gift Card currently has a balance of $50.00. The amount of
purchase must be equal to or under this amount, unless the merchant can support
a split tender transaction.  A split
tender transaction will allow two forms of payment.  We contacted Ms. [redacted] on July 15, 2014 and advised her of this.
Please
visit us at www.vanillavisa.com for an
informative video which contains a few simple to make your experience easier.  Please be sure to watch our informative video
for tips on how to use your card when dining out, paying at the pump, and
shopping online. Additionally, there is a list of Frequently Asked Questions
(FAQs) to further aid you in making purchases with your Gift Card.
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.
Thank you for bringing this to our attention. 
Please call if you have questions or if I may be of further
service.  I remain,
 
Sincerely,
 
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc.
1200 Brookstone Centre Pkwy, Suite 220
Columbus, Georgia 31904
###-###-####

September 20, 2014
 
 
 
[redacted]
Revdex.com
Post Office Box 2587
Columbus Georgia 31902
 
Re: RevDex.com Case # [redacted] – [redacted]
 
Dear [redacted]:
 
Receipt of the above
styled inquiry is hereby acknowledged. We reviewed Mr. [redacted] response to our
investigation. 
 
As stated previously, due to technical issues beyond our control transactions
could not be processed during the time Mr. [redacted] attempted to use his card.  However, as a gesture of our goodwill we
credited his account $25.00.  We feel
this was sufficient compensation for his issue.  There were two transactions that declined on
the day in question totaling $41.57.
 
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,
 
 
R.B. Rolling
Chief Operating Officer
ITC Financial Licenses,
Inc.
1200 Brookstone Centre
Pkwy, Suite 220
Columbus, Georgia 31904
(678) 921-5342

April 7, 2015
 
 
 
Ms. [redacted]
class="MsoNormalCxSpMiddle">Revdex.com
Post Office Box 2587
Columbus Georgia 319
 
Re: RevDex.com Case # [redacted]
 
Dear Ms. [redacted]:
 
Receipt of the above styled complaint is hereby acknowledged. We have
investigated the issue with Mr. [redacted]’s Vanilla Visa Gift Card.
 
Mr. [redacted] initially contacted us on February 15, 2015 regarding a lost
card. As, standard procedure, we requested documentation from Mr. [redacted].  We received the documents on February 15,
2015. A replacement card was requested, however; shipping was delayed due to an
inventory outage. On April 6, 2015 a replacement card was sent to Mr. [redacted] via
FEDEX tracking # [redacted]. We have contacted Mr. [redacted] to advise him of
the replacement card.
 
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.
Thank you for bringing this to our attention.
 
Please call if you have questions or if I may be of further
service.  I remain,
 
Sincerely,
 
 
 
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc.
1200 Brookstone Centre Pkwy, Suite 220
Columbus, Georgia 31904
###-###-####

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
attempted to contact Mr. [redacted] via the telephone number provided in his complaint,
regarding further necessary information needed to investigate the issue with his
Gift Card.
 
We attempted to contact Mr. [redacted] via e-mail July 9, 2014, followed by
a telephone attempt on July 14, 2014.  We
have not received the requested information from Mr. [redacted]. If he 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 16-digit
number of the card in question. Mr. [redacted] can fax a copy of the required
documents to ###-###-####.
 
Please call if you have questions or if I may be of further service. 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.I called Friday evening and was told once again to call back on Monday. I was not told any of this refund stuff until monday. I was told to call back and talk to corporate. I called after business hours on Friday. Monday is when I finally got told I was getting a refund. They told me they were giving me a refund in the form of a check. I said I need it rush delivered. I am currently residing in a treatment setting. I will not be guaranteed to recieve a check. I do not want a check. I want my card reactivated like I was told several times. If they are so willing to satisfy their customers why cant they reactivate my card? I was told it will take 3 to 4 weeks to recieve this refund. That was just sent on Monday. I dont want a refund from them. I want to be able to use that money on that card specifically for a certain purchase on vista vapors and be done. This has gone way too far. I have tried to get a hold of them through email and I suppose if I took the time to register this card I wouldnt be having these issues. Before I impulsively said yes use it as a one time card. Now I have to consider this money as a loss pretty much if they are sending a check because I WILL NOT SEE IT. I WILL NOT BE AT THAT ADRESS AFTER JUNE 15. my 90 day of treatment is up. I shouldn't have to wait anyway. This is not customer satisfaction. To be told a million different things. Then the Revdex.com gets involved and then you say a totally different thing. You say you just finally recieve documents but a're issuing a refund. Are doing the exact opposite of what I wanted. I need this money to make a purchase online. I am very disgusted with myvanilla. I believe there is a way you can reactivate my card. Or transfer the money to another myvanilla card or something. This has gone on for way too long. I see some complaints that people that have open disputes that didnt cancel have to wait over a month. This is ridiculous. I just want my card reactivated. 
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.[Provide details of why you are not satisfied with this resolution.]
Regards,[redacted]
The response from Vanilla is very much preposterous and I have chosen to proceed with a Civil Suite because it makes no sense I purchased there products and all of a sudden I'm a part of a scam. The only scam is Vanilla selling these bootleg prepaid  cards and taking people money.

[redacted] 23, 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 inquiry is hereby
acknowledged. We have reviewed Ms. [redacted]’s response to our investigation. 
 
As stated
previously, we have already initiated the refund for Ms. [redacted].  Her confirmation number is [redacted].  A check is being sent to the address provided
in her complaint.  We only listed the
steps for obtaining a refund for informational purposes.
 
We sincerely
apologize for any misunderstanding on her refund status. With the issuance of
this refund, we consider this matter closed. 
With warm regards I remain,
 
Sincerely,
 
 [redacted]
Chief Operating Officer
ITC Financial Licenses, Inc.
1200 Brookstone Centre Pkwy, Suite 220
Columbus, Georgia 31904

June 27, 2016  
Roman;">    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]’ Momentum Visa PrePaid Debit Card.   Ms. [redacted] contacted our office on June 20, 2016 to inquire about unauthorized charges made to her card. A dispute packet was sent via email on June 21, 2016. We received the completed dispute packet on June 23, 2016 and a chargeback was submitted to recover the funds. The merchant has 45 days to represent against the chargeback. If the merchant does not represent by August 8, 2016, a refund check will be issued to the address provided in Ms. [redacted]’ complaint.   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 sincerely apologize for any inconvenience this matter has caused. Thank you for bringing this to our attention. 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 [redacted]

August 22, 2016      
Times New Roman;">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 Momentum Visa PrePaid Debit Card.   Ms. [redacted] originally contacted our office on May 4, 2016 disputing unauthorized charges made to her card. She was advised that the transactions had not posted to her account; therefore, we could not start the dispute process. We sent a dispute packet to Ms. [redacted] on May 12, 2016 and it was not completed and returned until July 6, 2016. We have been in contact with Ms. [redacted] and advised her of our findings. A credit of $424.54 was applied to her account and she has since been successful in using her card.   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. We sincerely apologize for any inconvenience this matter has caused. We hope that you will find this a satisfactory resolution. Thank you for bringing this to our attention. 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 [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]

June 3,...

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 inquiry is hereby
acknowledged. We have investigated the issue with Ms. [redacted]’s JH Preferred
Reloadable Debit Card.
 
Ms. [redacted] initially contacted our office on March
3, 2014 to dispute charges made to her card by [redacted] in the amount of $429.11.
  Time frames and procedures for the
dispute process for general purpose reloadable cards are regulated by the government
and by Visa.  Due to our error, we have credited
Ms. [redacted]’s JH Preferred Reloadable Debit Card for the full value of the
disputed amount.  She has since used her
card to deplete this balance.
 
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 sincerely apologize for any inconvenience.  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
ITC Financial Licenses, Inc.
1200 Brookstone Centre Pkwy, Suite 220
Columbus, Georgia 31904
(678) 921-5342

July 9, 2015
 
font-size: 12.8000001907349px; font-family: arial, sans-serif;"> 
Ms. [redacted]
Revdex.com
Post Office Box 2587
Columbus Georgia 31902
 
 
Re: Revdex.com Case #[redacted]
 
Dear Ms. [redacted]:
 
Receipt of the above styled inquiry is hereby acknowledged. We have investigated the issue with Ms. [redacted]’s 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 we want to be sure that our customers have a positive experience with our product. We have been in contact with Ms. [redacted] and informed her that her card has been activated.
  
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
(678) 921-5342

[redacted]h 7, 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 reviewed
Mr. [redacted]’ response to our investigation.
 
As stated previously, the card received four
loads that were highly suspicious in nature. 
Mr. [redacted] will need to provide receipts for the four loads credited to
his account on January 23, 2014.  We are
required to monitor any suspicious activity on these type of accounts.
 
Until the receipts are provided we consider this issue closed. We hope that you will find this a satisfactory
resolution.  I remain,
 
Sincerely,
  
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc.
1200 Brookstone Centre Pkwy, Suite 220
Columbus, Georgia 31904
###-###-####