Consumer complaint received 2025-06-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, {$200.00} each, paid XXXX XXXXXXXX XXXX ( total {$410.00} ). 
Seller : XXXX XXXX operator : XXXX XXXX XXXX via XXXX ( issuing bank XXXX XXXX. ). 
Both cards were unusable from the start : portal message ON HOLD Card Compromised. 

Timeline ( 45 days ) XXXX XXXX XXXX ( XXXX ) opens case # XXXX, calls both cards potentially compromised, says re-activation impossible, promises a mailed refund check in 7-10 business days. 

XXXX XXXX Case-tracking link errors ; no check. 

XXXX XXXX XXXX claims refund requested XXXX XXXX, extends wait to 3 weeks, cites a missing email verification ( never sent ). 

XXXX XXXX XXXX repeats check in the mail, tells me to wait until XXXX XXXX ; no tracking. 

XXXX XXXX ( Internal note, undisclosed to me ) adds new demands : photo ID, receipt, address proof. 

XXXX XXXX XXXX admits no refund ever initiated ; supervisor insists on ID, receipt, even notarized affidavit.

Fraud Pattern Automatic suspension of valid cards.

False promises of refund checks. 

Escalating, undisclosed paperwork after each missed deadlinedelaying past XXXX dispute windows. 

Targets product page shows a XXXX average ( 77 % one-star ) ; reviews cite identical locks and refund checks that never arrive. 

Loss Goods never delivered ; cards unusable. 

{$400.00} face + {$12.00} fees withheld 45 days. 

Refund now conditioned on surrendering sensitive personal data to an untrustworthy party. 

Requested Resolution Immediate refund of {$410.00} to my XXXX account. 

XXXX XXXX XXXX XXXX gift cards for enhanced fraud screening. 

Seller neither delivered a functional product nor an honest cure ; all reasonable steps exhausted within XXXX protection window. 

Merchant hierarchy : XXXX XXXX sold XXXX XXXX XXXX XXXX XXXX ( {$200.00} XXXX ) on XXXX XXXX XXXX 
Cards are operated by XXXX XXXX XXXX via the portal mybalancenow.com ; funds are held by XXXX XXXX. 
XXXX keeps the activation fees but forces all post-sale problems onto XXXX, whose customer-service process is engineered to stall consumers past normal dispute windows. 

Stalling timeline ( voice recordings + full call transcripts available ) : XXXX XXXX : XXXX opens case # XXXX, labels both cards potentially compromised, says re-activation impossible, and promises a mailed refund check in 7-10 business days. 

XXXX XXXX : Case-tracking page errors ; no check. 

XXXX XXXX : Agent claims refund requested XXXX XXXX, extends wait another 3 weeks, blaming a phantom email verification. 

XXXX XXXX : New agent insists check is in the mail, advises waiting until XXXX XXXX ; still no tracking. 

XXXX XXXX : ( internal note, undisclosed ) adds new demandsphoto ID, receipt, proof of address. 

XXXX XXXX ( day XXXX ) : Agent finally admits no refund was ever initiated ; supervisor demands ID, receipt, even notarized affidavit. 

I believed the problem was being resolved until that XX/XX/XXXX admission revealed deliberate deception. I filed the XXXX chargeback immediately afterward, still within XXXX  XXXX window, but beyond the seller-contrived delays. XXXX enabled this scheme by selling the defective product and refusing any remedy, so the chargeback is directed at XXXX as the XXXX merchant of record. 

____

Company response to consumer: Closed with explanation