Consumer complaint received 2020-11-24
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Monday, XX/XX/2020 I wanted to the XXXX store at XXXX XXXX XXXX XXXX, CA XXXX and purchase a vanilla gift card w/ Visa Debit logo on card I am providing you a copy of that receipt Shows the time I purchase and the money loaded into the gift card {$65.00} at XXXX Which is XXXX XXXX  in my car at the XXXX parking lot I logged into my XXXX and proceeded to do a purchase Im providing you the email showing confirmation of my order at XXXX XXXX  amount {$63.00} I am providing you a second email at XXXX the payment declined and XXXX cancel My request because unable to charge the credit card at XXXX I LOGGED into vanilla gift and noticed there was a pending transaction at {$59.00} at XXXX From XXXXXXXX XXXX Pending I contact XXXX To verify and make sure incase it was their pending transaction Im providing you an email from XXXX detailing they checked the transactions on my account and couldn't find any charges for {$59.00}. 

IContact vanilla gift at XXXX Spoke to A supervisor name XXXX I demand it for them two declined the payment like they did with XXXX they proceeded to tell me theyre not able to do that and that I need to file a claim I told them that is not my transaction and the card has been hacked And I told her why did they declined the payment with XXXX when that happened at XXXX in the afternoon and they went ahead and process a pending charge at XXXX XXXX  over 5 hours later She advised me to contact the merchant she provided me a transaction ID XXXX and their number XXXX And the company was in Delaware I hung up from XXXX and she provided me a reference to my call XXXX I contact the merchant The recording says the number I dialed is not a working number so I went on the Internet XXXX XXXX search no such company I went ahead to contact vanilla XXXX and when I type in my account never as instructed it tells me its incorrect/invalid and I am not able to contact them because I can not bypass the system without and the card information I've been blocked I proceeded to try to go online to see buy XXXX the card information as same as the phone its not recognizing my gift card info again I'm blocked when I logged in to the vanilla gift card I screenshot the transaction but I happened to notice the money wasnt deposited until XXXX XXXX  and thats the same time that pending transaction was placed I do not believe theres no such company XXXX XXXX 
I also believe that this is an erroneous Vanilla gift they stole my money. 
I think that is because why is that they deposit my money at XXXX XXXX? when I have a receipt at XXXX that the money was deposited at XXXX XXXX  five hours later and coincidently theres a Pandiing transaction at the exact same Time? 
Which tells me this is an inside job by vanilla gift. 
I also provided the front of my card you can also call or even login and that does not work. 
Not to mention on the backside of the card its shady because its squeue bar is incomplete?? 

and now my card does not exist I have no way of contacting them or even logging on their website. 
this is why I filed a complaint with CFPB Since I have no way of reaching vanilla gift. 

Company information : InComm, Inc. 
XXXX XXXXXXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation