"complaint on Incomm who treats customers unfairlyly."

On Aug 11th, I went to Target to purchase 15 chairs for an upcoming event held at my house. A friendly Target employee introduced me to the Red Reloadable card saying that there is a promotion going on that if I open an account, I will get a $50 promotion coupon to spend. Since I had to make the purchase anyway, I was very happy that I could make my purchase through Red Reloadable so I could have an extra 50 dollars to spend. Well, the idea is great but reality didn't work that way. First I put $300 into the Reloadable (max amount allowed) and then I put another $50.00 in the reloadable. The $ 300 wasn't funded to my account like it evaperated. My account showed only $50.00. I wasnt able to make the purchase with 50 bucks. After a tedious dispute process, and waiting of more than two weeks the 300 was eventually funded back into my account, but I was out of the country by then. The red Reloadable policy is that the purchase must be made within 45 days after the account is open. so I missed the deadline all because they messed up with my funding. I called customer service and was told that the promotion would be deposited into my account in a couple of days. I didn't see it. I called again and was told to wait for another couple of days. Then I got to talk to Alexa, "the highest level Red Reloadable representative I could reach through the phone" who denied my $50 promotion because "you disqualified yourself by missing making the purchase within 45 day" This is how Red Reloadable conducts their business. First they messed up with the funding not only having caused great inconveniences to me ( i need 15 chairs to hold the event) but also having caused me not being able to satisfy the timely purchase requirement for insufficient funds in my account and now they have the customer bear the consequences of their incompetence. what an unfair market place. I asked the "highest level" Alexia that I would like to speak with her supervisor. She refused to provide me with the information. So far this is what I have experienced after I opened the RED Reloadable. I always like Target but now it seems that Target has chosen a bad partner to conduct their business with. Incomm is a very unprofessional, deceptive and unfair market place. Do NOT do any business with them.
Sincerely

"I would rate a 0 if I could they take…"

I would rate a 0 if I could they take your money and run

"Money stolen, resolution makes NO sense"

Where do I even start.. My father sent me a Vanilla gift pre-paid Visa card for my birthday. After spending a good portion of it I attempted to use it to buy some other small things and it kept getting declined. I finally checked online and turns out my card info (and remaining funds) were STOLEN. I called their customer service where they told me I needed a copy of the receipt from months ago in order to simply open a case. This is a VERY stupid process for a company who's main product is meant for GIFTS. Now I have to have my father track down a copy of a receipt from the place he purchased it. I can't begin to tell you how frustrating the experience is. What an absolute JOKE of a process. You should be ashamed of yourselves marketing your product for GIFTING, yet have no other way to resolve these kinds of issues, which are already YOUR FAULT for getting the card number stolen. SMH, never using your products again!!

"InComm Resolved My Case and Returned My Money In Record Time!"

I purchased a Vanilla Gift Card in August 2023. I completed a purchase and a return using the card. Unknown to me someone stole my vanilla gift card number and completed 2 fraudulent charges without my knowledge and stole the remaining balance on the card. After discovering the fraud, I contacted Vanilla Gift Card's Customer Service, and they gave me instructions on what to do. I submitted all of the required documentation to the email address given to me along with the Case # they assigned to me on September 22, 2023. On October 10, 2023, I received a replacement gift card with the full original purchase price of the card. I was shocked at the quick response to my case because Customer Service said it could take up to 30 days before I received a response. I am extremely grateful to InComm for returning my money with a replacement gift card and I wanted to acknowledge and give them credit for what they did for me. Thank You!

"I bought a $50 prepaid gift card at…"

I bought a $50 prepaid gift card at Target issued by MetaBank. This card is distributed by and serviced by InComm Financial Services. Attempted to use the card and it wouldn't work. Got onto their website and said there was an issue with the card. I called the customer service number, waited on hold for over an hour, they admitted the issue, said they'd send me another card and it would arrive in 7 to 10 days. Waited 2 months and nothing ever showed up. Called them again, waited on hold over an hour again, told them what happened, they had a record of my address on file and said they would send a new card out once again. It's been 4 months since then and I've never received anything. I looked online and this seems to be a common practice with MetaBank taking people's money, not loading the customers card, making it extremely difficult to reach them, falsely stating that they'll resolve the issue until you get tired of chasing your money. I'm not giving up though. You ripped me off for $50 and hours of my time trying to get my .oney back. This is unethical and someone should be in jail for this blatant scam. Give me my money back!

"Ten transactions wiped out $197 of a…"

Ten transactions wiped out $197 of a $200 gift card before I had activated the Vanilla Gift Card. Opened a dispute with incomm through Sutton Bank/Visa and received a replacement card with $3 value on it. People at their phone number refuse to reopen the case unless I give them my full information including a phone number, but I never gave them a phone number when I created the dispute. These people should be reported to some authority, they are clearly aiding and abetting the fraudulent use of gift cards.

"$100 Master Card gift card was used 3…"

$100 Master Card gift card was used 3 months before I opened the package. My claim was denied with no explanation 60+ days later.

"I was given a $100 dollar Visa giftcard…"

I was given a $100 dollar Visa giftcard 12/22. When I tried to use it it wouldn’t go through. I finally found out that the number had been stolen and used.
I called and reported this, I have sent the copies of gc, packaging, my drivers license , everything they have requested 3 times, I have called a dozen times in the past 9 months and I get the same run around.
I’ve asked them to please just tell me that this is a waste of time, that they are NOT a legitimate company and I should stop trying,
They are crooks and I’m guessing that the theft started before the card was purchased

"purchased an American Express gift card…"

purchased an American Express gift card at Stop and Shop in Middletown Ct.on 8/3/23 reported it lost or stolen the same day was given a case number. Today 8/28/23 after not hearing anything from American Express I called and was informed that someone had cashed the card on the same day that I reported it stolen and the case was closed. I had to refile another case and was told it could take up to 45 days to resolve. I always thought American express was a reliable company however they stand up for the thief and not the customer.

"Never again!!"

Purchased a $500 Vanilla Prepaid Visa at Walmart (+$7.95 fee)

Card was activated by Walmart, visible on receipt. Receipt matches card information.

Card kept declining so I called to check balance and was told by customer service that it wasn’t activated.

Sent in proof of purchase including receipt, picture of card and packaging. Was told to wait 30 business days, which is ridiculous in itself.

Called back today (35 business days from when they claim they received documentation), and was told it could take up to 90 business days for resolution. That is almost five months!!

They have been holding my funds hostage for four months now, so I contacted my lawyer.