Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.The response from ITC Financial License, Incis totally unacceptableThe investigation conclusion is totally untrue and baselessFirst, they claimed "it appears he voluntarily provided his card information to initiate the transactions in question."The card was under my possession since the purchase and was never exposed to anyone elseThe PIN number in the card was not exposed until the minute when I tried to redeem the fundIt turned out the PIN was invalid/usedMy statement is that "The card information is never exposed nor provided to anyone by meThe PIN number was invalid/used he first time I scratched off cover to exposed itAny transaction associated with the card redemption is not consented by me and without my knowledge."
If ITC Finanaicial License company does not agree with my above statement, they can work with the law enforcement to investigateI am willing to provide any information requestedAs a consumer, I used ITC Financial License, Inc as a money transmitterThey took my fund ($through their retail partners) and failed to provide the service to transfer the fund to MY receiving account I can understand they might have security flaws in their system and unfortunately be a victim of internet fraud activitiesI hope they can work with law enforcement to investigate their own issueHowever, as a consumer, I don't want the company transfer their security issues and loss to meThis isn't fair and probably illegal.
I know the prepaid money transmission business is not well regulated by law at the momentSome companies, like ITC Financial License, are taking advantage of itI will do whatever means available to me to protect my consumer right
Regards,
*** ***
February 20,
Ms***
***
Revdex.com
Post Office Box
Columbus Georgia
Re: RevDex.com Case # *** * *** ***
Dear Ms***
Receipt of the above
styled complaint is hereby acknowledgedWe have investigated the issue with
Mr***’s Vanilla Visa Gift Card
When a card is
purchased, the point of sale triggers the activation of the card. Unfortunately, this card was never activated
and does not show any activation attemptsAs standard procedure, we requested
a copy of the card as well as proof of purchaseWe received the documentation
on February 18, and we activated his card
We place a great deal of value on customer satisfactionWe sincerely apologize
for any inconveniencePlease call if you have any questions or if I may be of
further serviceI remain,
Sincerely,
*** ***Chief Operating Officer
ITC Financial Licenses,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, GA
###-###-####
December 4,
class="MsoNormalCxSpMiddle">
Ms*** ***
Revdex.com
Post Office Box 2587
Columbus Georgia
Re: Revdex.com Case #***-*** ***
Dear Ms***:
Receipt of the above styled complaint is hereby acknowledgedWe have
investigated the issue with Mr*** Vanilla Reload Network CardsThank you
for taking the time to make us aware of the issue.
We have reviewed Mr***’s complaint and it appears he voluntarily
provided his card information to initiate the transaction on the cards in question
We would like to urge Mr*** to contact law enforcementWe will cooperate
fully in the investigation. While we regret
that our products were used in this manner, the transactions themselves are not
fraudulent. In accordance with our
procedures we reviewed the reload pack as well as the receiving account. We found that both the reload pack and the
receiving accounts had been fully redeemed.
The receiving account has been marked as fraud prior to the filing of
this complaint as it is a known scam accountWe will remain willing to assist
law enforcement with the ongoing investigation and resolution of any crimes
which may have been committedWe also have verbiage on our website
www.vanillareload.com that lists the top ways to prevent fraud and also
keeps our consumers up to date on the most common scams
We place a great deal of importance on customer satisfaction and want
to be sure that our customers have a positive experience with our productWe
regret the circumstances that have led Mr*** to contact our office. We will pledge our support in the
investigation and resolution of the matter and hope that he is able to recover
his losses. We are unable to reimburse
this loss since the reload pack was redeemed with Mr***’s consentPlease
call if you have any questions or if I may be of further assistanceThank you
for bringing this to my attention.
Sincerely,
*** ***
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus, Georgia
###-###-####
34)">
Hello Revdex.com,
The company has resolved my issuehow do I cancel this complaint or set it to resolved to my satisfaction?
***Sent from AOL Mobile Mail
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.There is no message from the business
Regards,
*** ***
April 9, 2016, I purchased a Vanilla MasterCard gift card at Walmart in Grandville MIand loaded it with $ Activated the card with in hoursMonday April 11, Card still had full sum, no chargesApril 12, went to use the card to reserve a room for a tripprior to calling, I checked the card againbalance $ one hour before some one had made a charge to the card for a health monitoring system from PA I never heard of the company and never lived in PAthe phone number and address listed were also falsethe phone number was a house in CAthe address was a lot in WABy wed morn I contacted Vanilla master card and faxed them the fraudulent charges paperworkI contacted Walmart to let them know that the company they were dealing with might be questionableno response from them Vanilla MasterCard said it would take 7-days to process paper workso I waited 7-days then they told me it would be daysso I waited a while longer and called backthen it was it will take 30-daysso I started calling dailyoh that can take days IF they have any resolution at allat this time I contacted Walmart againthey sent me a terse letter with just the phone number of Vanilla MasterCard Tried to get a hold of some one from Walmart on FB to which FB promptly complained to FB about me and tried to get me kicked off FBno luck no their part days of double talk and avoidance from Vanilla MasterCard and I got them to tell me they would definitely have a resolution in daysso I called back in days"we need more days"so I called back the following Mondaynothingcalled back each daydays from the filing of the complaint they said they have found in my favor that fraud was committed against methey would send a new card days for the new card to get to mei activated it promptly (and vanilla MasterCard gave me attitude that time too) used the full sum as fast as possible to keep from being robbed again In the end, they did refund the money but I dont think they did it willinglyi think they were sick of me and it was worth the $to them to get me to go away Walmart, still has never even talked to me with regards to vanilla (InComm), AVOID THEM AT ALL COST horrible security, horrible servicehorrible experience
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***
I would like to add that the letter fails to mention I did contact their home office when told the call center couldn't help me and was transferred back to the call center even after their own supervisors advised me to call their corporate office for further helpI also went to look at the display and other gift cards they had and no where on that package does it advise people to write the card number downYou have to open the package and read the paper on the insideWhen giving the gift of the gift card you don't open the gift before you give it nor do you go to the website before it is given only if for self useI am happy that the company is helping me I have sent a email suggesting things could help this be prevented and how they should have it on their displayIn their letter back to you at the Revdex.com they made it sound like I was trying to scam them I tried for over a week with daily calls to anyone and everyone that I thought could help me before filing a complaint if they had had some one at the corporate level to assist this could of been avoided I did tell anyone I spoke to that I had the last for of the cards I had the receipts etcI am very pleased that they have reached out to help me I am now waiting on the cards to arrive if they don't in a reasonable amount of time I will be back in contact with you thank you again for your help
April 19,
">
Ms*** ***
Revdex.com
Post Office Box
Columbus Georgia
Re: Revdex.com Case #*** *
*** ***
Dear Ms***:
Receipt of the above styled inquiry is hereby
acknowledgedWe have investigated the issue with Mr***’ Momentum Visa Prepaid Debit Card
Mr*** states that he was unable to
check his balance via the IVRWe see his attempts and we sincerely apologize
for the inconvenience this has caused Mr***We are investigating the
issue with the IVR to insure Mr*** has a better experience in the
futureWe are sending a copy of his account history to the email address he provided
Mr*** can also view this info online at www.momentum.com
Thank you for bringing this to our attention
Please call if you have any questions, or if I may be of further assistance in
any wayI remain,
Sincerely,
*** ***
Chief Operating Officer
ITC Financial Licenses, Inc
Princeton Avenue
Columbus, Georgia
###-###-####
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***
No it is not ok I returned the call the same say, but no answer so I left a message I have left multiple messages and have called multiple times a week trying to resolve this There has been absolutely no help and everything your customer service told me changed with each call I want the extra fees returned to me as well Action was taken with or doesn't to me first, I requested to file a complaint multiple times and was tools there was no complaint department The message I received requested me to call back to resolve the issue, which I did up until Monday, when I found out your company took action without my approval I was also told your representative spoke to me, which did not happen I will not approve anything until you provide a full refund of any money I have paid to your company due to the rudeness of your customer service, lack of contact, lack of acknowledgment of my requests, and lack of notification of any and all actions The response that I received starting it is not your companies responsibility to contact their customers when accounts are frozen as across are taken is ludicrous The mere fact that your lack of notification caused me to be unable to buy my child what she needed and your customer service rep I first spoke with rudely telling me to drive a total of hours to retrieve a receipt while im pregnant, crying and upset, not accounting for the other stress incurred from your should be motivation to return your fees I paid for a service that was the worst experience of my life
June 15,
Ms
*** ***
RevDex.com
Post
Office Box 2587
Columbus
Georgia
Re:
Revdex.com Case #*** * *** ***
Dear
Ms***:
Receipt of the above styled complaint is hereby acknowledgedWe have
investigated the issue with Mr***’ MyVanilla Reloadable Debit Card
Please know that the MyVanilla Reloadable Debit Card is not sold or
marketed as a Gift CardIn accordance with the USA Patriot Act, we, like all
other issuers of General Purpose Reloadable card accounts, are required to
verify the identity of each person who opens a card account. We are further obligated by the USA Patriot
Act to obtain, verify and keep records related to the account ‘for five years
beyond the date of account closure’.
These regulations are designed to protect the financial infrastructure
of the United States from potential money laundering and terrorist
financing. To complete the
authentication process we compare name, address, social security number and
date of birth against commercially available databases. We do not run credit reports. Please know that, as a consumer, by law your
credit file cannot be accessed without your consentWe do not request consent
from our cardholders and we do not access credit filesThe information is
obtained strictly under the requirements of the USA PATRIOT Act and is
protected on our systems in a PCI compliant environment. Our obligation to collect information and
perform these checks is disclosed on the face of our card packaging
Mr*** initially contacted us on May 31, regarding an
activation issueAs standard procedure, we requested documentation from Mr***. After researching this inquiry, we discovered
that Mr*** failed verification and we are unable to send him a personalized
cardWe are issuing Mr*** a refund in the amount of $
We sincerely apologize for any inconvenience this matter has causedThank
you for bringing this to our attentionPlease call if you have questions or if
I may be of further service. I remain,
Sincerely,
*** ***
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus, Georgia
###-###-####
February 10,
Ms*** ***
Revdex.com
Post Office Box
Columbus Georgia
Re: Revdex.com Case
#*** * *** ***
Dear Ms***:
Receipt of the above styled
complaint is hereby acknowledgedWe have reviewed Ms***’s response to our
investigation.
Upon receipt of Ms***’s
response, we reinvestigated the issue with her Vanilla Reload Network
Card. We inadvertently referenced the
incorrect amount if our previous response.
The check is actually for $and not the amount listed. The check was mailed to the address listed in
this complaint
We place a great deal of
importance on our customer satisfaction and want to be sure that our customers
have a positive experience with our product.
Again, we sincerely apologize for any inconvenience we have caused. Thank you for bringing this to our attention. Please call if you have questions or if I may
be of further serviceI remain,
Sincerely,
*** ***Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy,
Suite
Columbus, Georgia
February 18,
Ms. ***
***
Revdex.com
Post Office Box
2587
Columbus Georgia
Re: RevDex.com Case #*** * *** ***
Dear Ms***:
Receipt of the above
styled inquiry is hereby acknowledgedWe have investigated the issue with Mr
***’s Vanilla Reload Network Card
Mr*** originally requested
a refund online on January 25, A system upgrade caused a delay in processing
his refundHowever, his refund was approved on February 13, and a check
has been sent
We sincerely apologize
for any inconvenience this matter has causedThank you again for bringing this
to my attentionIf you have questions, or I may be of further service please
contact me directlyWith warm regards I remain,
Sincerely,
*** ***Chief Operating Officer
ITC Financial Licenses,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
###-###-####
May 22,
Ms*** ***
Revdex.com
Post Office Box
Columbus Georgia
Re: Revdex.com Case
#*** * *** ***
Dear Ms***
Receipt of the above styled
complaint is hereby acknowledgedWe have reviewed Mr***’s response to
our letter
As stated in our previous letter
the original claim was listed under a third party that was not Mr*** or
his wifeAs standard procedure we requested a copy of a valid government issued
ID especially due to the name discrepancy; however, Mr*** has yet to
provide us with thatAs a good faith gesture, we have credited $to the
card in question
We place a great deal of
importance on our customer satisfaction and want to be sure that our customers
have a positive experience with our product.
Again, we sincerely apologize for any inconvenience we have caused. Thank you for bringing this to our attention. Please call if you have questions or if I may
be of further serviceI remain,
Sincerely,
*** ***
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy,
Suite
Columbus, Georgia
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Provide details of why you are not satisfied with this resolution.]
The response states that the card was redeemed with my consent. If I consented, I would not be filing this complaint. When I went to transfer the funds to a prepaid mastercard the funds were already gone from the Vanilla Reload. If the account was deemed fraudulent prior to my compliant, why were the funds even transferred. The scam occurred on 6/27/in the afternoon and I filed the complaint with the Revdex.com the very next morning. I feel the company is responsible for transferring the funds to a known fraudulent account, by their admission in their response.
My son also informed me that when he put the money on the vanilla reload card, he called the company to make sure the money was there. It was after that phone call that the card was "redeemed." I feel that the company is aware that their product is easily used in scams and is responsible for providing a secure product for the public to use.
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Your response does not address my issue directly nor does it take into account the follinformation I have emailed and faxed to youI understand the rules established by VISA/MC and the day rule you speak of is simply the maximum alotted amount of time allowed to resolve he issue, however dispute cases may be resolved and settled much sooner than thatI have been in contact with the merchant who informed me that he had already accepted the terms of my claims and that the funds were deducted from the merchants account on April 13thThe merchant forwarded me documentation via email to support his statement, which I have forwarded it to you before this complaint was filedSo in short, not only is the dispute that you sent out not going to receive a representment from the merchantbut the merchant has already conceded and accepted the terms of the disputesI have sent you proof from the merchants end that the funds were already returnedand you haven't provided me with an answer in regards to what you are doing with those funds now that its already in your possessionAre you telling me you intend to hold onto those funds for the maximum alotted amount of time allowed with the intent to profit off the interest from my held funds? If that isn't the case, then please apply my credits since it is overdue, or provide me with evidence to refute the proof submitted by the merchant showing that the funds have not been returnedYour an executive officer of a financial company and you don't know that the timelines set in the VISA/MC rules are set that way to account for processing times in 2nd and 3rd world countries? I thought ITC financial services and all of its affiliates are companies in the United States? backed by banks in the USA? if so then please act like itI'm just requesting a provisional credit so that I'm not further inconvenienced by this issue anymoreI've done the research for you already, I dont see why you couldnt give me the curteousy of a provisional credit
Regards,
*** ***
May 12,
class="MsoNormalCxSpMiddle">
Ms*** ***
Revdex.com
Post Office Box
Columbus, GA
Re: Revdex.com Case #*** * *** * ***
Dear Ms***:
Receipt of the above styled complaint is hereby acknowledgedWe have
investigated the issue with Mr***’s Vanilla Visa Gift Card
Mr*** originally contacted us on March 16, Mr***
advised us that his card was not working properlyAs standard procedure we
requested documentation from Mr*** in order to investigate and resolve his
issue
When a card is purchased, the point of sale triggers the activation of
the card. There were no attempts made to
activate this card. According to our
system and without any documentation stating otherwise, it appears this card
was never purchased. Mr*** has not
provided all the required documents, but as a good faith gesture, we have
activated Mr***’s card and attempted to contact him
We place a great deal of importance on our customer satisfaction and
want to be sure that our customers have a positive experience with our
product. Please call if you have any
questions or if I may be of further assistanceI remain,
Sincerely,
*** ***
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus, Georgia
(678) 921-
April 9,
Ms*** ***
class="MsoNormalCxSpMiddle">Revdex.com
Post Office Box
Columbus Georgia
Re: RevDex.com Case #*** * *** ***
Dear Ms***:
Receipt of the above
styled inquiry is hereby acknowledgedWe have investigated the issue with Ms***’s
Vanilla Visa Gift Card
Unfortunately Ms***
was a victim of a form of fraud known as package tampering. Her card
was fraudulently
compromised prior to activationOur fraud team is currently investigating this
issueWe place a great deal of importance on customer satisfaction and we want
to be sure that our customers have a positive experience with our product We have received all necessary documentation
and a replacement card has been issued to Ms***
We sincerely apologize for any inconvenience this matter has caused
Thank you again for bringing this to my attentionIf you have questions, or I
may be of further service please contact me directlyWith warm regards I
remain,
Sincerely,
*** ***
Chief Operating Officer
ITC Financial Licenses,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
###-###-####
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I spoke with *** and her and her boss called my motherI do not know his name They called around 2:30-3:00,pmThey asked her how I wanted my on a gift card or if they wanted me to see a new cardHe asked her if I still I had the card and she said yes and she would appreciate it if he would do that and put it on the card I had Already*** called saying they will put the on a gift card and I'd be chargedI explained to *** I am on social security disability and would like to just be able to take it to the bank and pull it offShe said she needed to talk to him and see what they could do*** didn't call me backSo I called her back and left a voicemail for her to call me ASAP that I would like to resolve this issue todaymins later *** called me back and said there was only cents on the cardI said how? It had never left me at allI asked where the card was used and when she said it was used at a place called MCA or something thing like that and was used hours after I purchased the cardThis is impossibleI don't know what that place is and no one has had access to the card but me period and I was never able to use itThis card has never been touched by anyone but me and the cashier who ran it up and put the on itI explain I am on social security disabilityI do not have a dollar to my name literallyI've never been in any kind of troubleI wouldn't fight so hard if this card wasn't mine and is being held from meI am begging from the bottom of my heart please help me get my money backI have been wrongedI don't receive food stamps that is all I have to my nameI know for a fact that there is 164.00, on that card and not I've never beeAble to use it.
Please and thank you
Regards,
*** ***
From: *** *** ***
dir="ltr" "">>Date: Tue, Jul 28, at 4:AMSubject: *** resultTo: ***I got my money back although *** actually did do nothing to help so my complaint remains valid in a sense it was a manager at *** *** who helped in the end but I dont care anymore since I receieved my funds
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.The response from ITC Financial License, Incis totally unacceptableThe investigation conclusion is totally untrue and baselessFirst, they claimed "it appears he voluntarily provided his card information to initiate the transactions in question."The card was under my possession since the purchase and was never exposed to anyone elseThe PIN number in the card was not exposed until the minute when I tried to redeem the fundIt turned out the PIN was invalid/usedMy statement is that "The card information is never exposed nor provided to anyone by meThe PIN number was invalid/used he first time I scratched off cover to exposed itAny transaction associated with the card redemption is not consented by me and without my knowledge."
If ITC Finanaicial License company does not agree with my above statement, they can work with the law enforcement to investigateI am willing to provide any information requestedAs a consumer, I used ITC Financial License, Inc as a money transmitterThey took my fund ($through their retail partners) and failed to provide the service to transfer the fund to MY receiving account I can understand they might have security flaws in their system and unfortunately be a victim of internet fraud activitiesI hope they can work with law enforcement to investigate their own issueHowever, as a consumer, I don't want the company transfer their security issues and loss to meThis isn't fair and probably illegal.
I know the prepaid money transmission business is not well regulated by law at the momentSome companies, like ITC Financial License, are taking advantage of itI will do whatever means available to me to protect my consumer right
Regards,
*** ***
February 20,
Ms***
***
Revdex.com
Post Office Box
Columbus Georgia
Re: RevDex.com Case # *** * *** ***
Dear Ms***
Receipt of the above
styled complaint is hereby acknowledgedWe have investigated the issue with
Mr***’s Vanilla Visa Gift Card
When a card is
purchased, the point of sale triggers the activation of the card. Unfortunately, this card was never activated
and does not show any activation attemptsAs standard procedure, we requested
a copy of the card as well as proof of purchaseWe received the documentation
on February 18, and we activated his card
We place a great deal of value on customer satisfactionWe sincerely apologize
for any inconveniencePlease call if you have any questions or if I may be of
further serviceI remain,
Sincerely,
*** ***Chief Operating Officer
ITC Financial Licenses,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, GA
###-###-####
December 4,
class="MsoNormalCxSpMiddle">
Ms*** ***
Revdex.com
Post Office Box 2587
Columbus Georgia
Re: Revdex.com Case #***-*** ***
Dear Ms***:
Receipt of the above styled complaint is hereby acknowledgedWe have
investigated the issue with Mr*** Vanilla Reload Network CardsThank you
for taking the time to make us aware of the issue.
We have reviewed Mr***’s complaint and it appears he voluntarily
provided his card information to initiate the transaction on the cards in question
We would like to urge Mr*** to contact law enforcementWe will cooperate
fully in the investigation. While we regret
that our products were used in this manner, the transactions themselves are not
fraudulent. In accordance with our
procedures we reviewed the reload pack as well as the receiving account. We found that both the reload pack and the
receiving accounts had been fully redeemed.
The receiving account has been marked as fraud prior to the filing of
this complaint as it is a known scam accountWe will remain willing to assist
law enforcement with the ongoing investigation and resolution of any crimes
which may have been committedWe also have verbiage on our website
www.vanillareload.com that lists the top ways to prevent fraud and also
keeps our consumers up to date on the most common scams
We place a great deal of importance on customer satisfaction and want
to be sure that our customers have a positive experience with our productWe
regret the circumstances that have led Mr*** to contact our office. We will pledge our support in the
investigation and resolution of the matter and hope that he is able to recover
his losses. We are unable to reimburse
this loss since the reload pack was redeemed with Mr***’s consentPlease
call if you have any questions or if I may be of further assistanceThank you
for bringing this to my attention.
Sincerely,
*** ***
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus, Georgia
###-###-####
34)">
Hello Revdex.com,
The company has resolved my issuehow do I cancel this complaint or set it to resolved to my satisfaction?
***Sent from AOL Mobile Mail
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.There is no message from the business
Regards,
*** ***
April 9, 2016, I purchased a Vanilla MasterCard gift card at Walmart in Grandville MIand loaded it with $ Activated the card with in hoursMonday April 11, Card still had full sum, no chargesApril 12, went to use the card to reserve a room for a tripprior to calling, I checked the card againbalance $ one hour before some one had made a charge to the card for a health monitoring system from PA I never heard of the company and never lived in PAthe phone number and address listed were also falsethe phone number was a house in CAthe address was a lot in WABy wed morn I contacted Vanilla master card and faxed them the fraudulent charges paperworkI contacted Walmart to let them know that the company they were dealing with might be questionableno response from them Vanilla MasterCard said it would take 7-days to process paper workso I waited 7-days then they told me it would be daysso I waited a while longer and called backthen it was it will take 30-daysso I started calling dailyoh that can take days IF they have any resolution at allat this time I contacted Walmart againthey sent me a terse letter with just the phone number of Vanilla MasterCard Tried to get a hold of some one from Walmart on FB to which FB promptly complained to FB about me and tried to get me kicked off FBno luck no their part days of double talk and avoidance from Vanilla MasterCard and I got them to tell me they would definitely have a resolution in daysso I called back in days"we need more days"so I called back the following Mondaynothingcalled back each daydays from the filing of the complaint they said they have found in my favor that fraud was committed against methey would send a new card days for the new card to get to mei activated it promptly (and vanilla MasterCard gave me attitude that time too) used the full sum as fast as possible to keep from being robbed again In the end, they did refund the money but I dont think they did it willinglyi think they were sick of me and it was worth the $to them to get me to go away Walmart, still has never even talked to me with regards to vanilla (InComm), AVOID THEM AT ALL COST horrible security, horrible servicehorrible experience
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***
I would like to add that the letter fails to mention I did contact their home office when told the call center couldn't help me and was transferred back to the call center even after their own supervisors advised me to call their corporate office for further helpI also went to look at the display and other gift cards they had and no where on that package does it advise people to write the card number downYou have to open the package and read the paper on the insideWhen giving the gift of the gift card you don't open the gift before you give it nor do you go to the website before it is given only if for self useI am happy that the company is helping me I have sent a email suggesting things could help this be prevented and how they should have it on their displayIn their letter back to you at the Revdex.com they made it sound like I was trying to scam them I tried for over a week with daily calls to anyone and everyone that I thought could help me before filing a complaint if they had had some one at the corporate level to assist this could of been avoided I did tell anyone I spoke to that I had the last for of the cards I had the receipts etcI am very pleased that they have reached out to help me I am now waiting on the cards to arrive if they don't in a reasonable amount of time I will be back in contact with you thank you again for your help
April 19,
">
Ms*** ***
Revdex.com
Post Office Box
Columbus Georgia
Re: Revdex.com Case #*** *
*** ***
Dear Ms***:
Receipt of the above styled inquiry is hereby
acknowledgedWe have investigated the issue with Mr***’ Momentum Visa Prepaid Debit Card
Mr*** states that he was unable to
check his balance via the IVRWe see his attempts and we sincerely apologize
for the inconvenience this has caused Mr***We are investigating the
issue with the IVR to insure Mr*** has a better experience in the
futureWe are sending a copy of his account history to the email address he provided
Mr*** can also view this info online at www.momentum.com
Thank you for bringing this to our attention
Please call if you have any questions, or if I may be of further assistance in
any wayI remain,
Sincerely,
*** ***
Chief Operating Officer
ITC Financial Licenses, Inc
Princeton Avenue
Columbus, Georgia
###-###-####
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***
No it is not ok I returned the call the same say, but no answer so I left a message I have left multiple messages and have called multiple times a week trying to resolve this There has been absolutely no help and everything your customer service told me changed with each call I want the extra fees returned to me as well Action was taken with or doesn't to me first, I requested to file a complaint multiple times and was tools there was no complaint department The message I received requested me to call back to resolve the issue, which I did up until Monday, when I found out your company took action without my approval I was also told your representative spoke to me, which did not happen I will not approve anything until you provide a full refund of any money I have paid to your company due to the rudeness of your customer service, lack of contact, lack of acknowledgment of my requests, and lack of notification of any and all actions The response that I received starting it is not your companies responsibility to contact their customers when accounts are frozen as across are taken is ludicrous The mere fact that your lack of notification caused me to be unable to buy my child what she needed and your customer service rep I first spoke with rudely telling me to drive a total of hours to retrieve a receipt while im pregnant, crying and upset, not accounting for the other stress incurred from your should be motivation to return your fees I paid for a service that was the worst experience of my life
June 15,
Ms
*** ***
RevDex.com
Post
Office Box 2587
Columbus
Georgia
Re:
Revdex.com Case #*** * *** ***
Dear
Ms***:
Receipt of the above styled complaint is hereby acknowledgedWe have
investigated the issue with Mr***’ MyVanilla Reloadable Debit Card
Please know that the MyVanilla Reloadable Debit Card is not sold or
marketed as a Gift CardIn accordance with the USA Patriot Act, we, like all
other issuers of General Purpose Reloadable card accounts, are required to
verify the identity of each person who opens a card account. We are further obligated by the USA Patriot
Act to obtain, verify and keep records related to the account ‘for five years
beyond the date of account closure’.
These regulations are designed to protect the financial infrastructure
of the United States from potential money laundering and terrorist
financing. To complete the
authentication process we compare name, address, social security number and
date of birth against commercially available databases. We do not run credit reports. Please know that, as a consumer, by law your
credit file cannot be accessed without your consentWe do not request consent
from our cardholders and we do not access credit filesThe information is
obtained strictly under the requirements of the USA PATRIOT Act and is
protected on our systems in a PCI compliant environment. Our obligation to collect information and
perform these checks is disclosed on the face of our card packaging
Mr*** initially contacted us on May 31, regarding an
activation issueAs standard procedure, we requested documentation from Mr***. After researching this inquiry, we discovered
that Mr*** failed verification and we are unable to send him a personalized
cardWe are issuing Mr*** a refund in the amount of $
We sincerely apologize for any inconvenience this matter has causedThank
you for bringing this to our attentionPlease call if you have questions or if
I may be of further service. I remain,
Sincerely,
*** ***
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus, Georgia
###-###-####
February 10,
Ms*** ***
Revdex.com
Post Office Box
Columbus Georgia
Re: Revdex.com Case
#*** * *** ***
Dear Ms***:
Receipt of the above styled
complaint is hereby acknowledgedWe have reviewed Ms***’s response to our
investigation.
Upon receipt of Ms***’s
response, we reinvestigated the issue with her Vanilla Reload Network
Card. We inadvertently referenced the
incorrect amount if our previous response.
The check is actually for $and not the amount listed. The check was mailed to the address listed in
this complaint
We place a great deal of
importance on our customer satisfaction and want to be sure that our customers
have a positive experience with our product.
Again, we sincerely apologize for any inconvenience we have caused. Thank you for bringing this to our attention. Please call if you have questions or if I may
be of further serviceI remain,
Sincerely,
*** ***Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy,
Suite
Columbus, Georgia
February 18,
Ms. ***
***
Revdex.com
Post Office Box
2587
Columbus Georgia
Re: RevDex.com Case #*** * *** ***
Dear Ms***:
Receipt of the above
styled inquiry is hereby acknowledgedWe have investigated the issue with Mr
***’s Vanilla Reload Network Card
Mr*** originally requested
a refund online on January 25, A system upgrade caused a delay in processing
his refundHowever, his refund was approved on February 13, and a check
has been sent
We sincerely apologize
for any inconvenience this matter has causedThank you again for bringing this
to my attentionIf you have questions, or I may be of further service please
contact me directlyWith warm regards I remain,
Sincerely,
*** ***Chief Operating Officer
ITC Financial Licenses,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
###-###-####
May 22,
Ms*** ***
Revdex.com
Post Office Box
Columbus Georgia
Re: Revdex.com Case
#*** * *** ***
Dear Ms***
Receipt of the above styled
complaint is hereby acknowledgedWe have reviewed Mr***’s response to
our letter
As stated in our previous letter
the original claim was listed under a third party that was not Mr*** or
his wifeAs standard procedure we requested a copy of a valid government issued
ID especially due to the name discrepancy; however, Mr*** has yet to
provide us with thatAs a good faith gesture, we have credited $to the
card in question
We place a great deal of
importance on our customer satisfaction and want to be sure that our customers
have a positive experience with our product.
Again, we sincerely apologize for any inconvenience we have caused. Thank you for bringing this to our attention. Please call if you have questions or if I may
be of further serviceI remain,
Sincerely,
*** ***
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy,
Suite
Columbus, Georgia
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Provide details of why you are not satisfied with this resolution.]
The response states that the card was redeemed with my consent. If I consented, I would not be filing this complaint. When I went to transfer the funds to a prepaid mastercard the funds were already gone from the Vanilla Reload. If the account was deemed fraudulent prior to my compliant, why were the funds even transferred. The scam occurred on 6/27/in the afternoon and I filed the complaint with the Revdex.com the very next morning. I feel the company is responsible for transferring the funds to a known fraudulent account, by their admission in their response.
My son also informed me that when he put the money on the vanilla reload card, he called the company to make sure the money was there. It was after that phone call that the card was "redeemed." I feel that the company is aware that their product is easily used in scams and is responsible for providing a secure product for the public to use.
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Your response does not address my issue directly nor does it take into account the follinformation I have emailed and faxed to youI understand the rules established by VISA/MC and the day rule you speak of is simply the maximum alotted amount of time allowed to resolve he issue, however dispute cases may be resolved and settled much sooner than thatI have been in contact with the merchant who informed me that he had already accepted the terms of my claims and that the funds were deducted from the merchants account on April 13thThe merchant forwarded me documentation via email to support his statement, which I have forwarded it to you before this complaint was filedSo in short, not only is the dispute that you sent out not going to receive a representment from the merchantbut the merchant has already conceded and accepted the terms of the disputesI have sent you proof from the merchants end that the funds were already returnedand you haven't provided me with an answer in regards to what you are doing with those funds now that its already in your possessionAre you telling me you intend to hold onto those funds for the maximum alotted amount of time allowed with the intent to profit off the interest from my held funds? If that isn't the case, then please apply my credits since it is overdue, or provide me with evidence to refute the proof submitted by the merchant showing that the funds have not been returnedYour an executive officer of a financial company and you don't know that the timelines set in the VISA/MC rules are set that way to account for processing times in 2nd and 3rd world countries? I thought ITC financial services and all of its affiliates are companies in the United States? backed by banks in the USA? if so then please act like itI'm just requesting a provisional credit so that I'm not further inconvenienced by this issue anymoreI've done the research for you already, I dont see why you couldnt give me the curteousy of a provisional credit
Regards,
*** ***
May 12,
class="MsoNormalCxSpMiddle">
Ms*** ***
Revdex.com
Post Office Box
Columbus, GA
Re: Revdex.com Case #*** * *** * ***
Dear Ms***:
Receipt of the above styled complaint is hereby acknowledgedWe have
investigated the issue with Mr***’s Vanilla Visa Gift Card
Mr*** originally contacted us on March 16, Mr***
advised us that his card was not working properlyAs standard procedure we
requested documentation from Mr*** in order to investigate and resolve his
issue
When a card is purchased, the point of sale triggers the activation of
the card. There were no attempts made to
activate this card. According to our
system and without any documentation stating otherwise, it appears this card
was never purchased. Mr*** has not
provided all the required documents, but as a good faith gesture, we have
activated Mr***’s card and attempted to contact him
We place a great deal of importance on our customer satisfaction and
want to be sure that our customers have a positive experience with our
product. Please call if you have any
questions or if I may be of further assistanceI remain,
Sincerely,
*** ***
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus, Georgia
(678) 921-
April 9,
Ms*** ***
class="MsoNormalCxSpMiddle">Revdex.com
Post Office Box
Columbus Georgia
Re: RevDex.com Case #*** * *** ***
Dear Ms***:
Receipt of the above
styled inquiry is hereby acknowledgedWe have investigated the issue with Ms***’s
Vanilla Visa Gift Card
Unfortunately Ms***
was a victim of a form of fraud known as package tampering. Her card
was fraudulently
compromised prior to activationOur fraud team is currently investigating this
issueWe place a great deal of importance on customer satisfaction and we want
to be sure that our customers have a positive experience with our product We have received all necessary documentation
and a replacement card has been issued to Ms***
We sincerely apologize for any inconvenience this matter has caused
Thank you again for bringing this to my attentionIf you have questions, or I
may be of further service please contact me directlyWith warm regards I
remain,
Sincerely,
*** ***
Chief Operating Officer
ITC Financial Licenses,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
###-###-####
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I spoke with *** and her and her boss called my motherI do not know his name They called around 2:30-3:00,pmThey asked her how I wanted my on a gift card or if they wanted me to see a new cardHe asked her if I still I had the card and she said yes and she would appreciate it if he would do that and put it on the card I had Already*** called saying they will put the on a gift card and I'd be chargedI explained to *** I am on social security disability and would like to just be able to take it to the bank and pull it offShe said she needed to talk to him and see what they could do*** didn't call me backSo I called her back and left a voicemail for her to call me ASAP that I would like to resolve this issue todaymins later *** called me back and said there was only cents on the cardI said how? It had never left me at allI asked where the card was used and when she said it was used at a place called MCA or something thing like that and was used hours after I purchased the cardThis is impossibleI don't know what that place is and no one has had access to the card but me period and I was never able to use itThis card has never been touched by anyone but me and the cashier who ran it up and put the on itI explain I am on social security disabilityI do not have a dollar to my name literallyI've never been in any kind of troubleI wouldn't fight so hard if this card wasn't mine and is being held from meI am begging from the bottom of my heart please help me get my money backI have been wrongedI don't receive food stamps that is all I have to my nameI know for a fact that there is 164.00, on that card and not I've never beeAble to use it.
Please and thank you
Regards,
*** ***
From: *** *** ***
dir="ltr" "">>Date: Tue, Jul 28, at 4:AMSubject: *** resultTo: ***I got my money back although *** actually did do nothing to help so my complaint remains valid in a sense it was a manager at *** *** who helped in the end but I dont care anymore since I receieved my funds