Consumer complaint received 2025-09-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: AL

Complaint narrative:
Two purchases were made at XXXX XXXX XXXX in XXXX Oregon on XX/XX/XXXX. I live in XXXXXXXX XXXX  which is at least XXXX miles from XXXX. I have never travel to XXXX or to Oregon in my life. I presented my card to XXXX on this date and it was declined. I knew I had at least {$800.00}. left on the card.. The card is a prepaid card titled " Spectrum Reward Card. '' XXXX  offered to pay off my phones at XXXX if I would move my XXXX lines to XXXX XXXX. XXXX  required me to payoff the phones and they would reimburse me. They chose to use a prepaid card instead of sending me a check. Origin amount was {$1700.00} +. As soon as my card was rejected I call the XXXX XXXX card company and was told my balance was {$0.00}. I ask her to read off, starting at the most recent, charges. She said that there was a {$500.00}. and an addition {$340.00} made that day. I informed her that I did not make those charges and wish to dispute the charges. She said that I could not dispute charges for 10 days until I received by mail the dispute form During our conversion I ask her to freeze the account to avoid the fraud charges. She said she could not because the charges had not hit the account yet. I never received the form by mail and after 6 days I call to ask if I could submit a dispute on line. She told me how to do it and I filled the dispute. They acknowledged receipt of the dispute, but informed me that they had 45-90 days to investigate. It has never taken over 10 days for prior disputes with VISA cards. This was not a complicate dispute. Two charges made at the same Company on the same date. After 80 days XXXX notified me that they had rejected my dispute and basically have a good day. I was given no reason for the rejection of these charges and no option. {$840.00}. was stolen from me because I DID NOT MAKE THESE PURCHASES. I disputed them immediately and followed up with a formal dispute on XX/XX/XXXX. I believe that XXXX or XXXX, XXXX stole the money by posting false charges to the account. The purchases were for {$500.00}. and {$340.00}. This is a prepaid card and they would not have paid an amount over the balance. So some how someone knew to the XXXX what was in the account. I have made thousands of purchases on line and in the store and never had XXXX end in an even number. With prices, taxes, shipping if made on line work out to the XXXX to clean my account. I disputed these charges again and was rejected once again with no explanation. XXXX has a customer rating of XXXX out of XXXX. They have had over XXXX complaints filed over the last 3 months at the XXXX XXXX. Mind you this is just XXXX, no telling how many in the XXXX. If I could find this out in 5 minutes why did XXXX use this company. XXXX  must be colluding with them to steal the money and receive a kickback. I can't afford to hire and Attorney for a {$830.00} account. I need to check on a Small Claim Court to see if this qualifies. I wish I could find an Attorney to file a Class Action Law Suit. With as many complains as they have I believe it would qualify. Once again I dispute these charges, and request any help you can offer.

Company response to consumer: Closed with explanation