InComm Financial Services, Inc.

July 13, 2016      
12pt;">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 Vanilla Visa Gift Card.   Ms. [redacted] initially contacted our office on March 11, 2016 to dispute an unauthorized transaction on her card. A dispute packet was sent via email and we received the completed documentation. We resolved Ms. [redacted]’s dispute in her favor, and a check was issued on June 17, 2016; however, she has not received it. After researching this matter, we discovered that Ms. [redacted]’s address was incorrectly communicated during the address verification process. Therefore, we have expedited a refund check to the address provided in Ms. [redacted]’s complaint.   We place a great deal of importance on customer satisfaction and we want to be sure our customers have a positive experience with our product. We sincerely apologize for any inconvenience this matter has caused. Thank you again for bringing this to my attention. Please call if you have any questions or if we 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]

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 January 23, 2015 requesting a replacement
card. A replacement card was ordered, however; shipping was delayed due to an
inventory outage. On March 13, 2015 a replacement card was sent to Mr. [redacted]
and we have contacted Mr. [redacted] and he advised us he has received his 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
###-###-####

769.599975585938px; margin: 0px; padding-top: 0px; padding-right: 8px; text-align: left;">
Thank you for your response. It took some doing and the card had to be changed to a gift card for a fee, but I was finally able to activate my card and it was indeed used for it's intention! I still will not repeat buying my vanilla, but it did work. Thank you again for your quick response!!

Roman","serif";mso-fareast-language:
EN-US">January 5, 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
attempted to contact Ms. [redacted], via e-mail address and via the telephone
number provided in her complaint, regarding further necessary information
needed to investigate the issue she is having with her PayPal MyCash Reload
Card.
To date 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
[redacted].
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]

February 17, 2015
 
 
 
Ms. [redacted]...

[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 Mr. [redacted]’s
MyVanilla Reloadable Debit Card.
 
Due to technical issues beyond our control, transactions could not be
processed during the times Mr. [redacted] attempted to use his card. As a gesture
of our goodwill, we reversed the fees we assessed for his ATM transaction
totaling $9.75. The fees were assessed from February 1-February 15, 2015. We trust
our attention to this matter and the steps we took to resolve the matter meet
your satisfaction.
 
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
###-###-####

[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]

April 15, 2015
Roman","serif""> 
 
 
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 e-mail
address 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 on April 13, 2015. 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 number of the card in question. You can fax either a
copy of the card and/or receipt 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
###-###-####

July 23, 2015
 
 
 
Ms. [redacted]
class="MsoNormalCxSpMiddle">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 Vanilla Visa Gift Cards
 
Unfortunately Ms. [redacted] was a victim of a form of fraud known as package tampering.  Her cards were 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 received all necessary documentation
and have been in contact with Ms. [redacted] to advise her we have activated
her cards.
 
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
###-###-####

April 25, 2014
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 complaint is hereby acknowledged. We have reviewed
Mr. [redacted]’s MyVanilla Reloadable Debit Card account.
 
Each MyVanilla Reloadable
Debit Card is accompanied by a printed Cardholder Agreement, which constitutes
an agreement between the Cardholder and the issuer of the Card, and sets forth
terms and conditions which apply to the Card. The terms and conditions are
received with the Card and are available at any time for viewing online at
www.myvanilladebitcard.com.  
 
On January 23, 2014 Mr. [redacted]’s account was
blocked because the card received several loads that were suspicious in
nature.  These cards have strict
restrictions and are reviewed daily to protect our cardholders.  We requested a copy of his ID as well as
proof of purchase from the loads on the account in order to release the funds,
but Mr. [redacted] has refused.  Without documentation
we are unable to release the funds.    
 
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. 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

June 20, 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 Mr. [redacted]’s MyVanilla Reloadable Debit Card.   Each MyVanilla Reloadable Debit Card is accompanied by a printed Cardholder Agreement, which constitutes an agreement between the Cardholder and the issuer of the Card, and sets forth terms and conditions, including fees, which apply to the Card. The terms and conditions are received with the Card and are available at any time for viewing online at www.myvanilladebitcard.com. In accordance with the “Fee Schedule” section of the Cardholder Agreement it states both Signature Purchase (Credit) and PIN Purchase (Debit) transactions fees are $0.50 per transaction.    Mr. [redacted] also states in his complaint that he did not authorize the transactions made by the merchant ProbBiller.com. We have contacted Mr. [redacted] via the telephone advising him that a dispute packet has been sent to the email provided in his complaint. He will need to provide the completed packet via email gprdisputes@incomm.com or fax at 866-295-0646 we will be happy to research and resolve his dispute.   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. 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 Incomm Financial Services, Inc. 1200 Brookstone Centre Pkwy, Suite 220 Columbus, Georgia 31904 [redacted]

March 5, 2015
Roman","serif""> 
 
 
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 Ms. [redacted], via
the telephone number and e-mail address provided in her complaint, regarding
further necessary information needed to investigate the issue with her Gift
Card.
 
We attempted to contact Ms. [redacted]
via e-mail on March 3, 2015 followed by a telephone attempt on March 4, 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 16-digit number of the card in question. You can fax
either a copy of the card and/or receipt 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
###-###-####

May 20,...

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]e’s
MyVanilla Reloadable Debit Card.
 
We have been in contact with Ms. [redacted]e and
advised her of the documentation needed in order to complete the registration
process.  She stated she did not feel
comfortable sending the documentation in. 
We have converted her MyVanilla Reloadable Debit Card to a Gift Card to
allow her access to the $40.00 balance on the card.  We encourage her to use the card to deplete
the balance.  She advised this was a
satisfactory resolution. 
 
Please know that the MyVanilla Reloadable
Debit Card is not sold or marketed as a Gift Card. In accordance with the USA
Patriot Act, we, like all other issuers of General Purpose Reloadable card
accounts, are required to verify the identity of each person who opens a card
account.  We are further obligated by the USA Patriot Act to obtain, verify
and keep records related to the account ‘for five years beyond the date of
account closure’.  These regulations are designed to protect the financial
infrastructure of the United States from potential money laundering and
terrorist financing.  To complete the authentication process we compare
name, address, social security number and date of birth against commercially
available databases.  We do not run credit reports.  Please know
that, as a consumer, by law your credit file cannot be accessed without your
consent. We do not request consent from our cardholders and we do not access
credit files. The information is obtained strictly under the requirements of
the USA PATRIOT Act and is protected on our systems in a PCI compliant
environment.  Our obligation to collect information and perform these
checks is disclosed on the face of our card packaging.
 
We sincerely apologize for any inconvenience
this matter has caused. 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
###-###-####

June 7, 2016    
font-family: 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 inquiry is hereby acknowledged. We have reviewed Ms. [redacted]’s issue with her MyVanilla Reloadable Visa Debit Card.   Ms. [redacted] initially contacted our office on April 7, 2016 to dispute a duplicate charge made to her card. A dispute packet was sent via email and we received the completed documentation. Based on our investigation we have determined that the merchant inadvertently charged the account twice. The merchant has since returned the funds and a credit has been applied to Ms. [redacted]’s account on June 6, 2016 totaling $85.63.   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. Please call if you have any questions, or if I may be 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]

June 28, 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]’ MyVanilla Reloadable Debit Card.   After researching this inquiry we found that the card in question had a preauthorization request on June 13, 2016 from the merchant Access Corrections totaling $115.90. When a transaction is cancelled we do not receive that information and do not know that it happens, except when advised verbally by the Cardholder. Each MyVanilla Reloadable Debit Card is accompanied by a printed Cardholder Agreement, which constitutes an agreement between the Cardholder and the issuer of the Card, and sets forth terms and conditions, which apply to the Card. In accordance with the “Using Your Card/Features” section of the Cardholder Agreement it states, “For security reasons, we may limit the number or amount of transactions you can make with the Card. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days”.   We reviewed Ms. [redacted]’ account and manually released the hold on her account leaving a balance of $117.71. We sincerely apologize for any inconvenience this matter has caused. We have been in contact with Ms. [redacted] to advise her that her funds are available. 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]

May 24, 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 inquiry is hereby acknowledged. We have investigated the issue with Ms. [redacted]’s OneVanilla MasterCard Gift Card.   Ms. [redacted] initially contacted our office on May 17, 2016 disputing an unauthorized transaction of $25.00. We sent Ms. [redacted] a dispute packet via e-mail on different occasions. We have not received the completed dispute from Ms. [redacted]. Visa regulations provide a specific timeframe during which these items can be handled. Ms. [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 [redacted]

August 25, 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
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 the reload pack as well as
the receiving account.  We have certain
measures in place that help us determine if the PIN was tampered with or if it
was voluntarily provided. We will remain willing to assist law enforcement with
the ongoing investigation and resolution of any crimes which may have been
committed. Again, it is important to remember you should never give your PIN to
anyone.
 
Hopefully this provides more clarity to our actions pursuant to Mr. [redacted]’s
claim. We hope that Mr. [redacted] can understand and appreciate our position.
Please call if you have any questions or if I may be of further assistance. I
remain,
 
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]

March 29, 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 OneVanilla Prepaid Debit Cards.   We have reviewed Ms. [redacted]’s complaint and she stated she voluntarily provided her card information to initiate the transactions in question. Ms. [redacted] stated she surrendered her card information to purchase a truck. We would like to advise Ms. [redacted] to engage 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 will pledge our support in the investigation and resolution of any crimes which may have been committed. We hope that Ms. [redacted] is able to recover her losses; however, we are unable to reimburse Ms. [redacted]’s loss since the card was redeemed with her consent.   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. 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 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]