Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I noticed that my account was completely drained of thousands of dollars somehow, and when I looked I noticed several UN-AUTHORIZED charges attempting to be placed on my account all going to some company in the XXXX named ( XXXX ) that I have never even heard of ever in life before I noticed the dozens of UNAUTHORIZED charges attempting to be placed on my account equaling {$2600.00} or more all together, at which time I notified my bank ( XXXX  who is a subset of Visa under XXXX XXXX and incomm financial services ... That ALL of those transactions are completely 100 % UN-AUTHORIZED well before any of the charges were even processed yet! I notified my bank that I would like to stop these charges asap before they are actually taken from my account at which time the XXXX representative informed me that I would have to wait 48 hours for the funds to be fixed in my account, which after the 48 hours I was told something completely different, as the XXXX reps informed me that I would have to file a dispute and wait UP TO 3 MONTHS FOR ANY DETERMINATION AT ALL FROM MY XXXX  SO THAT THEY " HAVE TIME TO INVESTIGATE THE SITUATION '', WHICH ONLY TOOK ME 30 SECONDS TO RESEARCH AND SEE THAT THIS COMPANY " XXXX HAS HAD AN ISSUE WITH DOZENS OF PEOPLE COMPLAINING ABOUT SEVERAL DOZENS OF UNAUTHORIZED CHARGES BEING PLACED ON PEOPLE 'S ACCOUNTS BY XXXX, XXXX ONLY THAT, BUT I HAVE ALSO BEEN ABLE TO CONTACT THE COMPANY " XXXX '' AND EXPLAIN THE SITUATION TO THEM SO THAT THEY COULD BLACKLIST MY ACCOUNT SO THAT IT COULD NEVER BE USED WITH THE COMPANY IN THE FUTURE AND HAD THE XXXX XXXX TELL ME THAT MY BANK SHOULD HAVE NO PROBLEM RETURNING MY MONEY IN A TIMELY MANNER AS XXXX  IS NOT DENYING THAT THESE CHARGES WERE VERY OBVIOUSLY UNAUTHORIZED AS THERE WERE MORE THAN 100 CHARGES, SOME FOR MORE THAN {$100.00} EACH, ALL PLACED ON MY ACCOUNT, IN ONLY ONE DAY, TO A FOOD DELIVERY SERVICE THAT IS NOT EVEN IN THE SAME COUNTRY AS ME!!!! 
XXXX DID INFORM ME SEVERAL TIMES STARTING ON XX/XX/XXXX, THAT XXXX  WOULD CONTACTED ME VIA EMAIL AT LEAST 1 TIME WITHIN 10 BUSINESS DAYS TO HAVE SOME SORT OF DETERMINATION OR ANSWERS AS FAR AS TO WEATHER OR NOT MY BANK COULD CORRECT THIS SITUATION, WHICH NEITHER XXXX, NOR VISA, NOR XXXX XXXX, NOR INCOMM FINANCIAL SERVICES HAS CONTACTED ME IN ANYWAY ABOUT THE THOUSANDS OF DOLLARS THAT ARE MISSING FROM MY ACCOUNT!!!! 
I DID HAVE THE BANK REISSUE ME A NEW CARD, AND SEND IT TO ME A WEEK LATER, AT WHICH TIME I ACTIVATED THE CARD AND HAD AN ADDITIONAL {$6500.00} PUT ONTO THE CARD, AND I HAD TO RETURN A XXXX CAMERA TO XXXX XXXX WHICH WAS PURCHASED ALONG WITH 3 OTHER ITEMS ON THE ORIGINAL CARD, AND RETURNED AND REFUNDED ON THE NEW CARD, AND MYVANILLA COMPLETELY LOCKED MY ACCOUNT IMMEDIATELY AFTER THE REFUND INFO WENT TO MY CARD, AND IS NOW PREVENTING ME FROM ACCESSING ANY OF THE MONEY ON MY ACCOUNT WHICH IS OVER $ XXXX, BECAUSE THE REFUND AMOUNT WAS LESS THAN THE PURCHASE AMOUNT, WHICH MAKES COMPLETE SENSE AS I ORIGINALLY PURCHASES 4 ITEMS, AND ONLY RETURNED 1 OF THOSE 4 ITEMS, ... SO THE RETURN AMOUNT WOULD CLEARLY BE LESS THAN THE PURCHASE AMOUNT!!!!! XXXX INFORMED ME THAT I WOULD NEED TO OBTAIN AND SEND THE PURCHASE RECEIPT AS WELL AS THE REFUND RECEIPT TO INCOMM SERVICES INC. AND WAIT 5 DAYS TO EVEN HAVE A RESPONSE FROM THEM, FOR A SITUATION THAT COULD VERY EASILY BE FIGURED OUT AND CORRECTED, AS I COULD HAVE BEEN GIVEN A FAX NUMBER OR EMAIL ADDRESS OF A REPRESENTATIVE THAT COULD HAVE EASILY SEEN WHY THE REFUND AMOUNT WAS LESS THAN THE PURCHASE AMOUNT, AND HAVE THE ISSUE CORRECTED THAT VERY SAME DAY!!!! 

XXXX HAS NOT CORRECTED THE ORIGINAL ISSUE FROM XX/XX/XXXX WHEN I NOTICED OVER 100 UNAUTHORIZED CHARGES GOING TO XXXX, NOR HAS THE COMPANY EVEN CONTACTED ME EVEN ONCE YET, AFTER MORE THAN 14 DAYS!!!! THIS WAS AFTER I WAS 100 % GUARANTEED BY AT LEAST 6 - 12 SEPARATE XXXX REPS ... THAT I WOULD BE CONTACTED WITHIN 10 DAYS!!!! 

THESE 4 COMPANIES .... " XXXX, - XXXX, - XXXX BANK, AND - XXXX XXXX XXXX XXXX, HAS ALLOWED WELL OVER XXXX UNAUTHORIZED TRANSACTIONS TO NOT ONLY BE PLACED ON MY ACCOUNT FROM A FOOD DELIVERY SERVICE THAT IS LOCATED IN A COMPLETELY DIFFERENT COUNTRY, BUT XXXX ALSO ALLOWED THOSE CHARGES TO BE COMPLETELY PROCESSED A FULL 2 DAYS AFTER I NOTIFIED XXXX  OF THE ISSUES, AND ALLOWED THIS COMPANY TO DRAIN MY ACCOUNT FOR THOUSANDS OF DOLLARS!!! EVEN THOUGH THIS COMPANY " XXXX XXXX '' IS KNOWN TO HAVE HAD THESE ISSUES WITH UNAUTHORIZED CHARGES GOING ON PEOPLE 'S ACCOUNTS FOR OVER 5 YEARS NOW!!!!!!!! NOT ONLY HAS XXXX  ALLOWED THIS TO HAPPEN, BUT XXXX HAS NOT EVEN KEPT THE GUARANTEE OF CONTACTING ME WITHIN 10 DAYS!!!!! THEN XXXX  LOCKS MY ACCOUNT AFTER I RECEIVED MY REPLACEMENT CARD AND HAD ANOTHER {$6500.00} DEPOSITED INTO THE CARD, DUE TO NOTHING MORE THAN ME RETURNING ONE OF FOUR ITEMS I PURCHASED A WEEK OR TWO EARLIER ... BECAUSE THE REFUND AMOUNT WAS APPROXIMATELY {$5.00} LESS THAN THE PURCHASE AMOUNT, BECAUSE WE ONLY RETURNED 1 OF 4 ITEMS ON THAT PURCHASE!!! THE XXXX  REP TOLD ME THAT SHE COULD EVEN SEE IN THE BILLING THAT I BOUGHT 4 SEPARATE ITEMS INCLUDING A XXXX  ... AND THAT THEY COULD SEE THAT I ONLY RETURNED THE 1 ITEMS WHICH WAS THE XXXX CAMERA!!!! YET THE COMPANY WANTS TO NOT ONLY GIVE ME THE RUN AROUND ... BUT THEN DOES NOT EVEN CONTACT ME BACK BY THE DEADLINES!!!!! 

THE COMPANY HAS ALLOWED BETWEEN $ XXXX and $ XXXX IN UN-AUTHORIZED CHARGES TO BE TAKEN FROM MY ACCOUNT IN JUST ONE DAY ... COMPLETELY DRAINING MY ACCOUNT A FULL 2 DAYS AFTER I NOTIFIED MY BANK OF THE ISSUE, AND HAS NOT EVEN CONTACTED ME BACK IN ANYWAY AFTER 14 DAYS OF WAITING SO FAR, AND THEN HAS LOCKED MY NEW CARD AFTER I PUT MORE THAN $ XXXX OF NEW MONEY ON THE ACCOUNT, BECAUSE OF A TINY ISSUE THAT IS VERY SIMPLISTIC TO UNDERSTAND AND CORRECT!!!! I EVEN SENT INCOMM FINANCIAL SERVICES THE COPIES OF THE PURCHASE RECEIPT AS WELL AS THE REFUND RECEIPT, AND HAVE EVEN INCLUDED THE ORIGINAL PAPER RECEIPT AS WELL ALL ON THE SAME DAY IT WAS REQUESTED, AND ME AND MY FAMILY HAVE HAD TO GO MORE THAN HALF OF A MONTH STRAIGHT WITHOUT HAVING ANY ACCESS TO ANY OF OUR FUNDS AT ALL DUE TO THESE 2 ISSUES!!!! MY FAMILY NOW HAS SEVERAL NEW CHARGES AND FEES THAT ARE BEING CAUSED DUE TO US NOT BEING ABLE TO ACCESS ANY OF OUR MONEY THAT IS NEEDED ON A DAY TO DAY BASIS, TO SURVIVE AND PAY BILLS ETC!!! I DO NOT KNOW IF THERE WOULD BE A WAY TO START A LAWSUIT OR PROCESS FOR US TO HAVE THE ABILITY TO TRY TO RECOUPE ANY EXTRA EXPENSES THAT ARE BEING CAUSED TO US BY THESE SITUATIONS, SUCH AS BEING UNABLE TO PAY OUR BILLS ON TIME DUE TO ME AND MY FAMILY NOT HAVING ACCESS TO ANY OF OUR FUNDS : ( THE APPROXIMATELY ... " {$10000.00} US ''!!!!!!! ) IT SEEMS LIKE THIS COMPANY JUST DOES WHATEVER THEY WANT TO, AS THEY NOT ONLY ALLOWED THIS TO HAPPEN TO US, BUT THEY HAVE NOT EVEN CONTACTED ME IN ANYWAY AT ALL AFTER BEING TOLD THAT I WOULD BE CONTACTED WITHIN 10 BUSINESS DAYS FOR 100 %, ... AND IT HAS BEEN 14 DAYS ALREADY!!!! I HAVE COPIES OF THE ORIGINAL RECEIPT AS WELL AS RETURN RECEIPT IF IT IS NEEDED BY ANYONE ELSE AS WELL!!!!

Company response to consumer: Closed with explanation