Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — Gift 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: NY

Complaint narrative:
XX/XX/2022 XXXX. DISPUTED TRANSACTION DETAILS On XX/XX/2022 I received what I thought was an e-mail from XXXX XXXX whom Ive been a member for XXXX  years, the e-mail stated that there was suspicious activity on my account. 
The heading of the e-mail sent to me looked legitimate and I immediately logged into my XXXX  account and saw that there was a unfamiliar transaction for $ XXXX dollars and underneath was a caption stating that I had purchased a XXXX for {$1700.00} and this was my first months installment. This took me by surprise as I do not own nor would ever buy a XXXX, I needed assistance to get this sorted out and get this transaction off my account. 

There was a number included on the e-mail and at that time believing it was XXXX  I called and spoke to a XXXX XXXX who sounded professional and told me this XXXX was purchased by a man named XXXX from Ohio who sabotaged my account. I was frantic and asked some questions and she referred me to a XXXX XXXX whom I thought was her supervisor, in the back ground I could hear phones ringing and again thought this was XXXX. XXXX XXXX came to the phone and assured me that XXXX XXXX would take care of this and there was no need to get upset or worry, I asked time and time again if this person would be prosecuted and was told he would, I was upset that this XXXX would take more out of my account. 

XXXX was smooth, professional, fast talking and everything you would think that a representative of XXXX XXXX would be, he explained that the {$1700.00} and current charge to my account would be taken care of and all would be well, but there were things I had to do ; firstly he asked me to change my XXXX  password which I thought would be the thing to do and I complied and he at that point had my trust. After more conversation he said that in order to erase the illegal transactions the only way to do so would be for me to go to my nearest XXXX XXXX XXXX or XXXX XXXX and purchase TWO ( 2 ) Vanilla Gift Cards and said they HAD to be Vanilla Gift cards. At that point I became suspicious but my guard wad down and in his smooth and fast demeanor said I am going to send you a check to reimburse the two Gift cards. He did send me an e-mail check for {$1700.00} which I have a copy of, the strange thing was he spelled my name wrong, this was after I purchased the 2 Vanilla Gift cards. I must have had a senior brain freeze to be duped like this and still feel like a fool to be conned. After I gave him the card numbers he said he would give me a gift because I was so easy to work with, he sent me via XXXX a gift card for {$200.00}, thing is the next morning when I got up I checked XXXX and the gift card was DELETED by XXXX. 

I contacted the REAL XXXX XXXX  and they knew immediately I had been scammed and they credited me back with the $ XXXX dollars that was posted probably by XXXX who got into my account. I then called Vanilla Gift Cards and explained what happened and asked if those 2 cards could be terminated before XXXX could cash them. I went into the Vanilla web site later that XXXX and the one card was flagged and was referred to customer service. That afternoon XXXX called me no less that 8 times with 4 different numbers I recognized 2 and they are included in my report, I did not answer the phone and blocked the numbers. I would like my XXXX dollars returned to me ASAP as this was a clear and blatant case of fraud and a scam, I have also included a Police Report which I filed, this is the second time I have submitted a disputed report the first one was sent via snail mail and have NOT received a confirmation to date, please expedite this case.

Company response to consumer: Closed with explanation