Consumer complaint received 2025-05-18 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:
VANILLA VISA GIFT CARD ENJOINMENT IN FINANCIAL SERVITUDE, HARASSMENT, AND ABUSE OF PROCESS INSIDE JOB, POSTED AT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX : XXXX Legal Counsel, Vanilla Gift / InComm Financial Services XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Re : Third Formal Complaint Regarding Seizure of Funds Vanilla Gift Card Ending in XXXX XXXX Amount : {$200.00} | No Lawful Refund or Explanation Provided Violation : Federal Consumer Protection Laws EFTA, FTC Act, and Deceptive Practices Statutes To Whom It May Concern : This letter serves as my third formal complaint and demand for redress regarding the unauthorized seizure and denial of access to {$200.00} stored on a Vanilla Visa Gift Card ending in XXXX XXXX XXXX Despite previous filings with the Consumer Financial Protection Bureau ( CFPB ), and repeated attempts to resolve this matter through customer service channels, I have received no lawful explanation and no refund. 
On XX/XX/, I was given a new verbal excuse claiming that the card was used on a site under investigation. This explanation is not legally sufficient to justify the indefinite seizure of consumer funds without written notice, chargeback documentation, or due process. 

Key Legal Concerns : Violation of the Electronic Funds Transfer Act ( EFTA ) Blocking access to funds without a valid dispute resolution process violates the clear consumer protections established under federal law.

Violation of the Federal Trade Commission Act ( FTC Act ) The persistent withholding of funds under false pretense constitutes an unfair and deceptive practice in commerce.

Negligence and Complicity in Known Gift Card Fraud Schemes It is widely documented, including in the class action XXXX XXXX XXXX XXXX XXXX XXXX, that Vanilla Gift Cards are routinely targeted by tampering schemes and inside fraud. Yet your institutions continue to issue these cards without adequate fraud prevention or consumer remedy. 



Relief Demanded : Immediate refund of the {$200.00} that was unlawfully blocked Written explanation detailing what alleged transaction triggered the hold Statement of legal basis under which funds are being withheld Confirmation of whether this issue is being escalated under internal fraud and consumer protection review protocols Documentation : All evidence, phone call summaries, and repeated filings are archived at : [ XXXX XXXX Affidavit and Exhibits Link ] XXXX XXXX XXXXXXXX XXXX This letter will be submitted as part of a broader criminal affidavit and civil complaint regarding systemic financial abuse, false fraud flagging, and enjoinment in financial servitude. If no resolution is received within 10 business days, I will pursue formal escalation through federal civil rights and consumer protection authorities, including the FTC, CFPB, and the Office of the Comptroller of the Currency. 
Sincerely, XXXX XXXX Evangelist | Legal Educator | Minister | Author | Defender of Gods Promises and the Constitution |Human Rights Advocate | XXXX | ( XXXX ) XXXX | Fax : XXXX

Company response to consumer: Closed with explanation