8 comments on “Are You A Victim of InComm Fraud and Negligence?”

1. You have compiled a compelling story. From my experience, the cases which get resolved are the ones where the victim(s) go to the media. See most recent instance here:

   http://elliott.org/problem-solved/target-wont-return-gift-card-credit-decision-final-can-help/

   While this was a retailer-specific incident, it still has relevance because the investigatory process would be similar obviously. I would recommend to you a similar tact. In fact, one of the most prolific consumer protection experts and a nationally syndicated media host, Clark Howard, is based in Atlanta. I think he would be interested in your story and the facts you have unearthed.

   https://www.clark.com/

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   1. i contacted lots of agencies and lots of news organizations actually, had some mild interest from a small subset but no one ever picked it up to run with it. i’m 99% sure i did send the story to clark. being unable to get some others to pick up the story and make it bigger is one of the reasons i decided to make this site.

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2. P.S. You should also file a complaint with the Consumer Financial Protection Bureau. Assuming Trump doesn’t do away with the agency, they have been effective in fighting on consumers’ behalf.

   http://www.consumerfinance.gov/complaint/

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   1. i have several CFPB complaints towards incomm as well as some carriers of the product, these are sent to the corporate headquarters and coming from the CFPB, will indeed get you some kind of response from the company. however the response from incomm was basically not addressing any specific point i made and them saying there was no merit to the accusations. the CFPB itself lacks the teeth to do much unless there is a monumental amount of fraud and complaints received (think wells fargo) – else even if i can prove these broken things, they won’t do anything (oh one guy? few grand? meh.) the class action lawyers i had would have been able to subpoena data out, i believe, which would have been interesting because incomm’s entire fraud model is built towards creating false positives. unless someone who had their money taken specifically volunteers that the money was taken however, there is no proof that the victim actually assisted the fraud. a flawed assumption the entire model is built around is that any paypal account associated with VAF means all unauthorized transactions to it were also VAF, logically flawed in the case of a 3rd party liquidating the actual PPMC card.

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3. theres a way to have my card unblocked and the money back?
   Vanilla Reload Visa card, Blocked my account and i can’t even use my card. I have all my money in there, i called vanilla and they told me that they do not know what happened but that i have to send an email to incomme. I sent 3 emails already and have no answer. This people do not even has a phone number. I don’t know what else to do and if i will be able to recover this money.

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   1. if you aren’t getting what you need from them, the most likely avenues to get you a real response will be complaints filed at both the better business bureau and the consumer financial protection bureau. let me know how things go!

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4. September, 2019, Today I opened the package of my incomm onevanilla card that cost $206.95. There’s no money there. I called Incomm. The fraudulent payment went to Str8dope in Weston, Florida. Other people have lost money sent to the same place. Finding your site is an eye-opener. Keep up the good work.

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5. I tried to use a $100 Vanilla Gift card to buy an Apple Gift card. The transaction and card were flagged and would not go through so an Apple manager called Vanilla customer service and brought me on to the call. Vanilla’s customer service representative assured us that the card would be funded with $100, but it could take up to 8 days. After waiting 4 days I checked the card balance and it showed a balance of $100. My wife left the house to go purchase an apple gift card and the Vanilla gift card would not go through. As soon as she got back home we checked the Vanilla’s website again and it showed two purchases pending. One was to a Michael Sil and the other to Pay Pal. Both in the amount of $50? I immediately called Vanilla’s customer service number and the representative told me I would need to file a complaint and began asking me for personal information. I told her that I was not going to give her the infomation requested until I consulted with my states Consumer Services Unit – Office of the Commissioner of Financial Regulation. I Checked the Vanilla gift card website today and it showed that the balance was now $0 so I got back in touch with them and requested the complaint form. The first woman I spoke with wanted my birth date which set off the fraud flag. So I asked for a supervisor. I gave her my name address, phone number and email and now have the complaint form.
   I have InComm’s address in Georgia and will be calling the state police tomorrow to find out the closest media outlet and see if the are interested in the stories of the hundreds of people that have been fleeced by this company. Check out the complaints on these sites:
   https://www.complaintsboard.com/vanilla-gift-cards-b133229 and https://www.bbb.org/us/ga/atlanta/profile/gift-cards/vanilla-gift-card-0332-90014404 I will also be calling my local police department, FBI office and Interpol if necessary. It’s not just my issue, but the thousans of others that have been scammed by this company. I suspect??? that the customer service representatives, located in the Philippines, sell the card numbers as soon as they are funded to a criminal network of thieves. Someone needs to investigate these people and if they are indeed committing fraud, shut them down and get restitution for the victims.

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