Consumer complaint received 2024-05-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
Formal Complaint Regarding InComm Payments ' Violations of Consumer Protection Regulations Dear Sir/Madam, I am writing to formally file a complaint against InComm Payments for their egregious mishandling and disregard of consumer rights in response to fraudulent activity on Vanilla Visa gift cards, which they oversee. Over the past XXXX months, I have endured a litany of dismissive actions from InComm Payments, including being ignored, hung up on, and arbitrarily told that assistance could not be rendered due to a purported lack of pertinent information. 

On XX/XX/2024, after persistent pursuit, I received a cursory response from InComm Payments, pertaining to only one of the two disputed Vanilla Visa gift cards. This solitary acknowledgment, albeit belated and incomplete, purportedly confirmed the resolution of one card, while obdurately neglecting the unresolved discrepancies associated with the second card. Despite providing copious details, including my bank account information and current address, InComm Payments has remained obstinately unresponsive, egregiously disregarding my rightful pursuit of restitution. 

InComm Payments ' recalcitrant conduct contravenes multiple consumer protection statutes, most notably the Electronic Fund Transfer Act ( EFTA ), Title 15 U.S. Code 1693, and its corollary Regulation E, which mandate expeditious and diligent resolution of disputed transactions on prepaid accounts. Additionally, InComm Payments ' apparent indifference to consumer grievances flouts the stipulations outlined in the Dodd-Frank Wall Street Reform and Consumer Protection Act, Title X, Section 1031 ( 12 U.S. Code 5531 ), which prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ) in consumer financial products or services. 

It is with profound consternation and exasperation that I contemplate the manifest dereliction of duty exhibited by InComm Payments in their handling of my legitimate concerns. As a consequence of their wanton disregard for consumer rights, I have been compelled to consider seeking legal recourse to obtain due redress for the financial losses incurred and the egregious emotional distress suffered as a result of their callous indifference. 

Enclosed herewith are pertinent correspondences, including the communication received from InComm Payments, for your perusal and consideration. 

I implore the Consumer Financial Protection Bureau to expeditiously investigate this matter and institute remedial measures commensurate with the egregious regulatory infractions committed by InComm Payments. Moreover, I request that InComm Payments be compelled to furnish an exhaustive account of their actions and be held accountable for the grievous harm inflicted upon consumers through their wanton disregard for regulatory mandates and consumer rights. 

Thank you for your prompt attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to upholding consumer rights and ensuring the equitable treatment of all consumers. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation