February 6,
class="MsoNormalCxSpMiddle" "line-height: normal;">
Ms[redacted]
Revdex.com
Post Office Box
Columbus Georgia
Re: Revdex.com Case #[redacted] – [redacted]
Dear Ms[redacted]:
Receipt of the above styled complaint is hereby acknowledgedWe have
investigated the issue with Mr[redacted]' MyVanilla Prepaid Visa Reloadable
Debit Card
After researching this inquiry, we found that Mr[redacted]' account was
placed on hold on January 23, 2014. These
Reloadable Debit Cards have strict restrictions and are reviewed daily to
protect the cardholders from potential fraud.
The account received several loads that appear suspicious in nature We have not received the requested documentation
from Mr[redacted]; therefore, we have placed his account in a "Spend Down"
status. This allows him to use the card
to deplete the balance, but will not allow him to reload funds to the
account. Mr[redacted] currently has a
balance of $1,
We place a great deal of importance on customer satisfaction and want
to be sure that our customers have a positive experience with our product. We
sincerely apologize for any inconvenience this matter has causedWe hope that
you will find this a satisfactory resolutionThank you for bringing this to
our attention. Please call if you have
questions or if I may be of further service.
I remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus, Georgia
###-###-####
June 17,
class="MsoNormalCxSpMiddle" "line-height:normal">
Ms[redacted]
Revdex.com
Post Office Box
Columbus Georgia
Re: RevDex.com Case # [redacted]
Dear Ms[redacted]
Receipt of the above
styled inquiry is hereby acknowledgedWe have investigated the issue with Mr
[redacted]'s $PayPal MyCash Reload Card
Mr[redacted] originally contacted
our office on April 29, regarding his PayPal MyCash Reload CardMr[redacted]
advised us that the funds did not load to his PayPal accountWe have contacted
PayPal and they verified that the funds did not load to Mr[redacted]'s accountWe
have attempted to contact Mr[redacted] to issue a new PIN in order for him to access
his funds but we were unsuccessful We
have left a message for Mr[redacted] to contact us for this information
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,
[redacted]
Chief Operating Officer
ITC Financial Licenses,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
###-###-####
Ms. [redacted]
Revdex.com
Post Office Box 2587
Columbus Georgia 31902
Re: Revdex.com Case #
[redacted] [redacted]
Dear Ms. [redacted]
Receipt of the above styled
complaint is hereby acknowledged. We have attempted to contact Ms. [redacted],
via e-mail address and via phone number provided in her complaint, regarding
further necessary information needed to investigate the issue with her Gift
Card.
We attempted to contact Ms. [redacted]
via e-mail on June 22, 2015 and via phone on June 23, 2015. We have not
received the requested information from Ms. [redacted]. If she will furnish the requested information,
we will be glad to investigate and resolve the issue. As always, we strive to
ensure our customers have a good and equitable experience with our products. Until
such time as we receive the requested information to correct this issue, we
consider this matter closed.
To properly and promptly research
this issue, we need the number of the card in question. You can fax either a
copy of the card and/or receipt to 866-295-0646.
Please call if you have questions
or if I may be of further service. I remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc.
1200 Brookstone Centre Pkwy,
Suite 220
Columbus, Georgia 31904
(678) 921-5342
August 17, 2016
Roman;"> Ms. [redacted] Revdex.com Post Office Box 2587 Columbus Georgia 31902 Re: Revdex.com Case # [redacted] – [redacted] Dear Ms. [redacted]: �...⇄ Receipt of the above styled complaint is hereby acknowledged. We have investigated the issue with Mr. [redacted]’s MyVanilla Reloadable Debit Card. Please know that the MyVanilla Reloadable Debit Card is not sold or marketed as a Gift Card. In 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 consent. We do not request consent from our cardholders and we do not access credit files. The 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. [redacted] contacted us because he was unsuccessful in registering his card. We were able to verify Mr. [redacted]’s personal information and we assisted him with registering his card on August 17, 2016. He has been successful in using his card. We place a great deal of importance on customer satisfaction and want to be sure that our customers have a positive experience with our product. We sincerely apologize for any inconvenience this matter has caused. Thank you for bringing this to our attention. Sincerely, [redacted] Chief Operating Officer Incomm Financial Services, Inc. 1200 Brookstone Centre Pkwy, Suite 220 Columbus, Georgia 31904 [redacted]
May 16, 2016 Ms. [redacted] Revdex.com Post Office Box 2587 Columbus Georgia 31902 Re: Revdex.com Case # [redacted]– [redacted] Dear Ms....
[redacted]: Receipt of the above styled complaint is hereby acknowledged. We have investigated the issue with Ms. [redacted]’s JH Preferred Reloadable Visa Debit Card. Ms. [redacted] initially contacted our office on March 31, 2016 to dispute charges made to her card. A dispute packet was sent via email on April 1, 2016; however, we did not receive written documentation until April 23, 2016. We submitted a chargeback to recover the funds and sent a letter on May 14, 2016 advising the final date of resolution would be no later than June 29, 2016. During our investigation we have discovered that a provisional credit should have been applied to Ms. [redacted]’s account. We apologize for this oversight and corrected this error on May 12, 2016. If the merchant does not respond the provisional credit will remain on the account. We place a great deal of importance on customer satisfaction and want to be sure that our customers have a positive experience with our product. We sincerely apologize for any inconvenience this matter has caused. 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 way. I remain, Sincerely, [redacted] Chief Operating Officer Incomm Financial Services, Inc. 1200 Brookstone Centre Pkwy, Suite 220 Columbus, Georgia 31904 [redacted]
Ms. [redacted]
class="MsoNormalCxSpMiddle">Revdex.com
Post Office Box 2587
Columbus Georgia 31902
Re: RevDex.com Case #[redacted]
Dear Ms. [redacted]:
Receipt of the above
styled inquiry is hereby acknowledged. We have reviewed Ms. [redacted]’s issue with
the PayPal MyCash Reload Card.
Ms. [redacted] lost her
$500.00 PayPal MyCash Reload Card before she could load it to her account. We
have contacted Ms. [redacted] and she provided the required information to prove
ownership of the card. We have provided Ms. [redacted] with the lost PIN number and
she has successfully redeemed her PIN.
We sincerely apologize
for any inconvenience this matter has caused. Thank you for bringing this to my
attention. If you have any questions, or may be of further service please
contact me directly. With warm regards I remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses,
Inc.
1200 Brookstone Centre
Pkwy, Suite 220
Columbus, Georgia 31904
(678) 921-5342
[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 [redacted], 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,[redacted]
Ms. [redacted]
Revdex.com
Post Office Box 2587
Columbus Georgia 31902
Re: Revdex.com Case #
[redacted]
Dear Ms. [redacted]:
Receipt of the above styled
complaint is hereby acknowledged. We have attempted to contact Ms. [redacted], via e-mail
address and via phone number provided in her complaint, regarding further
necessary information needed to investigate the issue with her Gift Card.
We attempted to contact Ms.
[redacted] via e-mail on May 14, 2015 and via phone on May 18, 2015. We have not
received the requested information from Ms. [redacted]. If she will furnish the requested information,
we will be glad to investigate and resolve the issue. As always, we strive to
ensure our customers have a good and equitable experience with our products. Until
such time as we receive the requested information to correct this issue, we
consider this matter closed.
To properly and promptly research
this issue, we need the number of the card in question. You can fax either a
copy of the card and/or receipt to ###-###-####.
Please call if you have questions
or if I may be of further service. I remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc.
1200 Brookstone Centre Pkwy,
Suite 220
Columbus, Georgia 31904
###-###-####
Ms. [redacted]
Revdex.com
Post Office Box 2587
Columbus Georgia 31902
Re: Revdex.com Case # [redacted] – [redacted]
Dear Ms. [redacted]:
Receipt of the above styled complaint is hereby acknowledged. We have investigated the issue with Ms. [redacted]’ OneVanilla MasterCard Gift Card.
Each OneVanilla MasterCard Gift Card is accompanied by a printed Cardholder Agreement, which constitutes an agreement between the cardholder and the issuer of the Card, and sets forth the Terms and Conditions, which apply to the card. All updates are available via our website www.onevanilla.com.
Please note, our Gift Cards are not labeled as reloadable. We continually review the effectiveness of the communication with our consumers via all channels and we place a great deal of importance on customer satisfaction. We want to be sure that our customers have a positive experience with our product. As evidence thereof, we have issued a refund for the total purchase price of the card.
We sincerely apologize for any inconvenience this matter has caused. Thank you again for bringing this to my attention. If you have questions, or I may be of further service please contact me directly. With warm regards I remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc.
1200 Brookstone Centre Pkwy, Suite 220
Columbus, Georgia 31904
###-###-####
Ms. [redacted]
Revdex.com
Post Office Box 2587
Columbus, GA 31902
Re: RevDex.com Case #[redacted]
Dear Ms. [redacted]
Receipt of the above
styled complaint is hereby acknowledged. We have reviewed Mr. [redacted]’s response
to our letter.
When we received the
original complaint, in accordance with our normal procedures we thoroughly reviewed
and investigated the issue with Mr. [redacted]’s JH Preferred Reloadable Debit
Card. Mr. [redacted] states that the funds have already been deducted from the
merchant. However, we show no credit in our systems at this time. Without
evidence of the credit we are unable to credit Mr. [redacted]’s account until the
end of the chargeback period. The funds will be credited by close of business
today.
We place a great deal
of importance on customer satisfaction and want to be sure that our customers
have a positive experience with our product. We sincerely apologize for any
inconvenience. Please call if you have
any questions, or if I may be of further assistance in any way. I remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses,
Inc.
1200 Brookstone Centre
Pkwy, Suite 220
Columbus, Georgia 31904
###-###-####
Receipt of the above styled inquiry is hereby acknowledged. We
have investigated the issue with Ms. [redacted]’s PayPal MyCash Reload Card.
Due to technical
issues beyond our control, Ms. [redacted]’s refund could not be processed when
she originally requested one through our website. We are currently researching this
issue. We have been in contact with Ms. [redacted] and we have successfully
processed her refund.
We sincerely
apologize for any inconvenience this matter has caused. Thank you again for
bringing this to my attention. If you have questions, or I may be of further
service please contact me directly. With warm regards I remain,
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I never requested for you to provide me with the details of your company's internal dispute process, but I appreciate you doing so because it highlights your own inadequacies in providing proper customer support. According to your own response, I first contacted you on June 17th and completed sending you the forms requested by June 19th, and yet for some reason the chargeback was submitted on July 20th. Your decision to submit the chargeback 30 days after I first contacted you about it, was a poor choice in judgement and displays that you are not acting with due diligence in regards to reaching a resolution for my case. The fact that you are allowing for the complete maximum allotted amount of time for the merchant to respond before crediting me, tells me that you have no intention of resolving my issue promptly. I have evidence provided to me by the merchant that shows that the merchant has already responded to the chargebacks and the funds deducted from his account.
But more important than what I've just stated above, the appalling nature of your response with complete disregard to our cardholder agreement, makes your CARD program a failure to comply with standards and deceptive in its advertised services. Here is a direct quote from our cardholder agreement under the section the right to dispute errors: "We will determine whether an error occurred within ten (10) business days after we hear
from you and will correct any error promptly. If we need more time, however, we may
take up to forty-five (45) days to investigate your complaint or question. If we decide to
do this, we will credit your Card within ten (10) business days for the amount you think
is in error, so that you will have the use of the money during the time it takes to complete
the investigation. If you do not have federal payments (for example, Social Security
benefits, tax refunds or other government payments) deposited to your Card Account,
we may not credit your Card. If we ask you to put your complaint or question in writing
and you do not provide it within ten (10) business days, we may not credit your Card.
Correct any error promptly, and may take up to 45 days to investigate my complaint after you heard from me. That means that you are supposed to have reached a resolution 45 days after June 17th. I should have been provided a credit 10 business days after June 17th for properly sending in the documents requested to support my claim, but I was not. And now you are past the 45 days according to our agreement, and if you are going to take longer to resolve the issue due to your own apathy, or poor internal process, then that is your problem and not mine. Please properly credit my account immediately, and overhaul the way your business currently handles these issues, or I can do you the favor of sending my complaint to the Federal Trade Commission, Bureau of Consumer Protections, and whatever department that oversees your operation.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], 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.]There accusations are totally false. I have had my account with Vanilla for several months. I opened my account online and provided their required documents when I opened my account. Vanilla called me one day and informed me that my account was being suspended due to "fraudulent activities." Exactly what they feel is fraud is beyond me. The only thing I used my vanilla account for was to make it easy for my roommate to pay his share of the bills to me. My roommate was an over-the-road truck driver and he would purchase Reloadit cards for me to pay his share of the rent. Vanilla wanted me to provide a receipt that I did not have because my roommate purchased the card. Obviously, he does not have the receipt either as they were thrown away with the rest of his trash out of his truck. Because I do not have the receipts for the last two deposits, Vanilla refuses to refund me my money and close down my account.
I would like charges pressed against this company.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], 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.]I did not give my information to the simplexhacks and I have never given my information over the phone or otherwise to anyone. This is not true I have no idea who this person or company is.
Regards,[redacted]
September 12, 2016
12pt; font-family: Times New Roman;"> Ms. [redacted] Revdex.com Post Office Box 2587 Columbus Georgia 31902 Re: Revdex.com Case #[redacted] – [redacted] Dear Ms. [redacted]: Receipt of the above styled complaint is hereby acknowledged. We have investigated the issue with Mr. [redacted]’s MyVanilla Reloadable Debit Card. Unfortunately Mr. [redacted] was erroneously sold an expired MyVanilla Reloadable Debit Card on September 2, 2016. Due to the expired card status Mr. [redacted] was unable to register his card. We processed a refund for Mr. [redacted] in the amount of $83.95 on September 7, 2016 to the address provided in his complaint. We place a great deal of importance on customer satisfaction and we want to be sure our customers have a positive experience with our product. We sincerely apologize for any inconvenience this matter has caused. Thank you again for bringing this to my attention. Please call if you have any questions or if we may be of further assistance. I remain, Sincerely, [redacted] Chief Operating Officer Incomm Financial Services, Inc. 1200 Brookstone Centre Pkwy, Suite 220 Columbus, Georgia 31904 [redacted]
[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 [redacted] 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,
[redacted]
From: [redacted]Date: Tue, Dec 29, 2015 at 12:53 PMSubject: Issue resolvedTo: [redacted]
Hi,
I resolved the issue listed on the attachment (Complaint ID [redacted] Thank you for your quick action. One Vanilla took the complaint we filed very seriously.
Much appreciated,
[redacted]
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], 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,[redacted]
I have repeatedly responded that these pin #S were never disclosed to anyone. The pin #s were revealed by me on 08/06/2015 via telephone with their card member services @11:42 pm. This conversation was supposed to be recorded by them. My girlfriend was a witness to me revealing the pin#s at that time. How did they determine I gave these pin#s out? They will not reveal their identities to me. I'm sure if they were to contact these individuals they can not reveal my identity. They refuse to investigate. How do I know its not their employees or that these persons are not fictional. It seems to me that would be all that is necessary to validate my claim.
[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 [redacted], 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,
[redacted]
Roman";mso-hansi-font-family:Calibri;
mso-bidi-font-family:"Times New Roman"">
December 28, 2015
Ms. [redacted]
Revdex.com
Post Office Box 2587
Columbus Georgia 31902
Re: Revdex.com Case # [redacted]
– [redacted]
Dear Ms. [redacted]:
Receipt of the above styled inquiry is
hereby acknowledged. We have investigated the issue with Ms. [redacted]’s PayPal
MyCash Reload Cards.
Ms. [redacted] purchased two $500.00 PayPal
MyCash Reload Cards at CVS Pharmacy on December 3, 2015. As standard procedure
we requested documentation from Ms. [redacted] in order to research her issue with
her PayPal MyCash Reload Cards. After researching this inquiry we found that
the card in question was blocked, due to the system rules to prevent fraudulent
scams. We have reviewed the database and determined a dispute was opened due to
her redemption issue. We reviewed Ms. [redacted]’s information and she requested a
refund. We have been in contact with Ms. [redacted] to verify all of her PayPal
account details and advised her a refund check has been issued on December 23,
2015.
We sincerely apologize for any
inconvenience this matter has caused. Thank you again for bringing this to my
attention. If you have questions, or I may be of further service please contact
me directly. With warm regards I remain,
Sincerely,
[redacted]
Chief Operating Officer
Incomm Financial Services, Inc.
1200 Brookstone Centre Pkwy, Suite 220
Columbus, Georgia 31904
[redacted]
September 14, 2016
Roman;"> Ms. [redacted] Revdex.com Post Office Box 2587 Columbus Georgia 31902 Re: Revdex.com Case # [redacted] – [redacted] Dear Ms. [redacted]: Receipt of the above styled complaint is hereby acknowledged. We have investigated the issue with Ms. [redacted]’s MyVanilla Reloadable Debit Card. Thank you for taking the time to make us aware of the issue. We have reviewed Ms. [redacted]’s complaint and it appears she could be a victim of Identity Theft. We have contacted Ms. [redacted] regarding this matter. Please note that Ms. [redacted]’s identity was already stolen prior to the activation of the MyVanilla Debit Card. We would like to urge Ms. [redacted] to contact law enforcement to file a police report. We will cooperate fully in the investigation. We would also like to urge Ms. [redacted] to contact the three major credit bureaus to place a fraud alert and obtain copies of her credit reports: · Equifax - http://www.equifax.com/ - 1-800-525-6285 · Experian - http://www.experian.com/ - 1-888-397-3742 · Trans Union - http://www.transunion.com/ - 1-800-680-7289 We have closed the account that was created with Ms. [redacted]’s information. We will pledge our support in the investigation and resolution of the matter. Please call if you have any questions or if I may be of further assistance. Thank you for bringing this to my attention. Sincerely, [redacted] Chief Operating Officer Incomm Financial Services, Inc. 1200 Brookstone Centre Pkwy, Suite 220 Columbus, Georgia 31904 [redacted]
February 6,
class="MsoNormalCxSpMiddle" "line-height: normal;">
Ms[redacted]
Revdex.com
Post Office Box
Columbus Georgia
Re: Revdex.com Case #[redacted] – [redacted]
Dear Ms[redacted]:
Receipt of the above styled complaint is hereby acknowledgedWe have
investigated the issue with Mr[redacted]' MyVanilla Prepaid Visa Reloadable
Debit Card
After researching this inquiry, we found that Mr[redacted]' account was
placed on hold on January 23, 2014. These
Reloadable Debit Cards have strict restrictions and are reviewed daily to
protect the cardholders from potential fraud.
The account received several loads that appear suspicious in nature We have not received the requested documentation
from Mr[redacted]; therefore, we have placed his account in a "Spend Down"
status. This allows him to use the card
to deplete the balance, but will not allow him to reload funds to the
account. Mr[redacted] currently has a
balance of $1,
We place a great deal of importance on customer satisfaction and want
to be sure that our customers have a positive experience with our product. We
sincerely apologize for any inconvenience this matter has causedWe hope that
you will find this a satisfactory resolutionThank you for bringing this to
our attention. Please call if you have
questions or if I may be of further service.
I remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus, Georgia
###-###-####
June 17,
class="MsoNormalCxSpMiddle" "line-height:normal">
Ms[redacted]
Revdex.com
Post Office Box
Columbus Georgia
Re: RevDex.com Case # [redacted]
Dear Ms[redacted]
Receipt of the above
styled inquiry is hereby acknowledgedWe have investigated the issue with Mr
[redacted]'s $PayPal MyCash Reload Card
Mr[redacted] originally contacted
our office on April 29, regarding his PayPal MyCash Reload CardMr[redacted]
advised us that the funds did not load to his PayPal accountWe have contacted
PayPal and they verified that the funds did not load to Mr[redacted]'s accountWe
have attempted to contact Mr[redacted] to issue a new PIN in order for him to access
his funds but we were unsuccessful We
have left a message for Mr[redacted] to contact us for this information
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,
[redacted]
Chief Operating Officer
ITC Financial Licenses,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
###-###-####
June 25,...
2015
Ms. [redacted]
Revdex.com
Post Office Box 2587
Columbus Georgia 31902
Re: Revdex.com Case #
[redacted] [redacted]
Dear Ms. [redacted]
Receipt of the above styled
complaint is hereby acknowledged. We have attempted to contact Ms. [redacted],
via e-mail address and via phone number provided in her complaint, regarding
further necessary information needed to investigate the issue with her Gift
Card.
We attempted to contact Ms. [redacted]
via e-mail on June 22, 2015 and via phone on June 23, 2015. We have not
received the requested information from Ms. [redacted]. If she will furnish the requested information,
we will be glad to investigate and resolve the issue. As always, we strive to
ensure our customers have a good and equitable experience with our products. Until
such time as we receive the requested information to correct this issue, we
consider this matter closed.
To properly and promptly research
this issue, we need the number of the card in question. You can fax either a
copy of the card and/or receipt to 866-295-0646.
Please call if you have questions
or if I may be of further service. I remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc.
1200 Brookstone Centre Pkwy,
Suite 220
Columbus, Georgia 31904
(678) 921-5342
August 17, 2016
Roman;"> Ms. [redacted] Revdex.com Post Office Box 2587 Columbus Georgia 31902 Re: Revdex.com Case # [redacted] – [redacted] Dear Ms. [redacted]: �...⇄ Receipt of the above styled complaint is hereby acknowledged. We have investigated the issue with Mr. [redacted]’s MyVanilla Reloadable Debit Card. Please know that the MyVanilla Reloadable Debit Card is not sold or marketed as a Gift Card. In 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 consent. We do not request consent from our cardholders and we do not access credit files. The 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. [redacted] contacted us because he was unsuccessful in registering his card. We were able to verify Mr. [redacted]’s personal information and we assisted him with registering his card on August 17, 2016. He has been successful in using his card. We place a great deal of importance on customer satisfaction and want to be sure that our customers have a positive experience with our product. We sincerely apologize for any inconvenience this matter has caused. Thank you for bringing this to our attention. Sincerely, [redacted] Chief Operating Officer Incomm Financial Services, Inc. 1200 Brookstone Centre Pkwy, Suite 220 Columbus, Georgia 31904 [redacted]
May 16, 2016 Ms. [redacted] Revdex.com Post Office Box 2587 Columbus Georgia 31902 Re: Revdex.com Case # [redacted]– [redacted] Dear Ms....
[redacted]: Receipt of the above styled complaint is hereby acknowledged. We have investigated the issue with Ms. [redacted]’s JH Preferred Reloadable Visa Debit Card. Ms. [redacted] initially contacted our office on March 31, 2016 to dispute charges made to her card. A dispute packet was sent via email on April 1, 2016; however, we did not receive written documentation until April 23, 2016. We submitted a chargeback to recover the funds and sent a letter on May 14, 2016 advising the final date of resolution would be no later than June 29, 2016. During our investigation we have discovered that a provisional credit should have been applied to Ms. [redacted]’s account. We apologize for this oversight and corrected this error on May 12, 2016. If the merchant does not respond the provisional credit will remain on the account. We place a great deal of importance on customer satisfaction and want to be sure that our customers have a positive experience with our product. We sincerely apologize for any inconvenience this matter has caused. 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 way. I remain, Sincerely, [redacted] Chief Operating Officer Incomm Financial Services, Inc. 1200 Brookstone Centre Pkwy, Suite 220 Columbus, Georgia 31904 [redacted]
July 1, 2015
Ms. [redacted]
class="MsoNormalCxSpMiddle">Revdex.com
Post Office Box 2587
Columbus Georgia 31902
Re: RevDex.com Case #[redacted]
Dear Ms. [redacted]:
Receipt of the above
styled inquiry is hereby acknowledged. We have reviewed Ms. [redacted]’s issue with
the PayPal MyCash Reload Card.
Ms. [redacted] lost her
$500.00 PayPal MyCash Reload Card before she could load it to her account. We
have contacted Ms. [redacted] and she provided the required information to prove
ownership of the card. We have provided Ms. [redacted] with the lost PIN number and
she has successfully redeemed her PIN.
We sincerely apologize
for any inconvenience this matter has caused. Thank you for bringing this to my
attention. If you have any questions, or may be of further service please
contact me directly. With warm regards I remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses,
Inc.
1200 Brookstone Centre
Pkwy, Suite 220
Columbus, Georgia 31904
(678) 921-5342
[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 [redacted], 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,[redacted]
May 18, 2015
Roman","serif"">
Ms. [redacted]
Revdex.com
Post Office Box 2587
Columbus Georgia 31902
Re: Revdex.com Case #
[redacted]
Dear Ms. [redacted]:
Receipt of the above styled
complaint is hereby acknowledged. We have attempted to contact Ms. [redacted], via e-mail
address and via phone number provided in her complaint, regarding further
necessary information needed to investigate the issue with her Gift Card.
We attempted to contact Ms.
[redacted] via e-mail on May 14, 2015 and via phone on May 18, 2015. We have not
received the requested information from Ms. [redacted]. If she will furnish the requested information,
we will be glad to investigate and resolve the issue. As always, we strive to
ensure our customers have a good and equitable experience with our products. Until
such time as we receive the requested information to correct this issue, we
consider this matter closed.
To properly and promptly research
this issue, we need the number of the card in question. You can fax either a
copy of the card and/or receipt to ###-###-####.
Please call if you have questions
or if I may be of further service. I remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc.
1200 Brookstone Centre Pkwy,
Suite 220
Columbus, Georgia 31904
###-###-####
February 3, 2015
normal">
Ms. [redacted]
Revdex.com
Post Office Box 2587
Columbus Georgia 31902
Re: Revdex.com Case # [redacted] – [redacted]
Dear Ms. [redacted]:
Receipt of the above styled complaint is hereby acknowledged. We have investigated the issue with Ms. [redacted]’ OneVanilla MasterCard Gift Card.
Each OneVanilla MasterCard Gift Card is accompanied by a printed Cardholder Agreement, which constitutes an agreement between the cardholder and the issuer of the Card, and sets forth the Terms and Conditions, which apply to the card. All updates are available via our website www.onevanilla.com.
Please note, our Gift Cards are not labeled as reloadable. We continually review the effectiveness of the communication with our consumers via all channels and we place a great deal of importance on customer satisfaction. We want to be sure that our customers have a positive experience with our product. As evidence thereof, we have issued a refund for the total purchase price of the card.
We sincerely apologize for any inconvenience this matter has caused. Thank you again for bringing this to my attention. If you have questions, or I may be of further service please contact me directly. With warm regards I remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc.
1200 Brookstone Centre Pkwy, Suite 220
Columbus, Georgia 31904
###-###-####
May 13, 2015
Ms. [redacted]
Revdex.com
Post Office Box 2587
Columbus, GA 31902
Re: RevDex.com Case #[redacted]
Dear Ms. [redacted]
Receipt of the above
styled complaint is hereby acknowledged. We have reviewed Mr. [redacted]’s response
to our letter.
When we received the
original complaint, in accordance with our normal procedures we thoroughly reviewed
and investigated the issue with Mr. [redacted]’s JH Preferred Reloadable Debit
Card. Mr. [redacted] states that the funds have already been deducted from the
merchant. However, we show no credit in our systems at this time. Without
evidence of the credit we are unable to credit Mr. [redacted]’s account until the
end of the chargeback period. The funds will be credited by close of business
today.
We place a great deal
of importance on customer satisfaction and want to be sure that our customers
have a positive experience with our product. We sincerely apologize for any
inconvenience. Please call if you have
any questions, or if I may be of further assistance in any way. I remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses,
Inc.
1200 Brookstone Centre
Pkwy, Suite 220
Columbus, Georgia 31904
###-###-####
August 13, 2015
Ms. [redacted]...
Revdex.com
[redacted]
Columbus Georgia 31902
Re: RevDex.com Case #[redacted] – [redacted]
Dear Ms. [redacted]:
Receipt of the above styled inquiry is hereby acknowledged. We
have investigated the issue with Ms. [redacted]’s PayPal MyCash Reload Card.
Due to technical
issues beyond our control, Ms. [redacted]’s refund could not be processed when
she originally requested one through our website. We are currently researching this
issue. We have been in contact with Ms. [redacted] and we have successfully
processed her refund.
We sincerely
apologize for any inconvenience this matter has caused. Thank you again for
bringing this to my attention. If you have questions, or I may be of further
service please contact me directly. With warm regards I remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses,
Inc.
[redacted]
Columbus, Georgia 31904
(678) 921-5342
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I never requested for you to provide me with the details of your company's internal dispute process, but I appreciate you doing so because it highlights your own inadequacies in providing proper customer support. According to your own response, I first contacted you on June 17th and completed sending you the forms requested by June 19th, and yet for some reason the chargeback was submitted on July 20th. Your decision to submit the chargeback 30 days after I first contacted you about it, was a poor choice in judgement and displays that you are not acting with due diligence in regards to reaching a resolution for my case. The fact that you are allowing for the complete maximum allotted amount of time for the merchant to respond before crediting me, tells me that you have no intention of resolving my issue promptly. I have evidence provided to me by the merchant that shows that the merchant has already responded to the chargebacks and the funds deducted from his account.
But more important than what I've just stated above, the appalling nature of your response with complete disregard to our cardholder agreement, makes your CARD program a failure to comply with standards and deceptive in its advertised services. Here is a direct quote from our cardholder agreement under the section the right to dispute errors: "We will determine whether an error occurred within ten (10) business days after we hear
from you and will correct any error promptly. If we need more time, however, we may
take up to forty-five (45) days to investigate your complaint or question. If we decide to
do this, we will credit your Card within ten (10) business days for the amount you think
is in error, so that you will have the use of the money during the time it takes to complete
the investigation. If you do not have federal payments (for example, Social Security
benefits, tax refunds or other government payments) deposited to your Card Account,
we may not credit your Card. If we ask you to put your complaint or question in writing
and you do not provide it within ten (10) business days, we may not credit your Card.
Correct any error promptly, and may take up to 45 days to investigate my complaint after you heard from me. That means that you are supposed to have reached a resolution 45 days after June 17th. I should have been provided a credit 10 business days after June 17th for properly sending in the documents requested to support my claim, but I was not. And now you are past the 45 days according to our agreement, and if you are going to take longer to resolve the issue due to your own apathy, or poor internal process, then that is your problem and not mine. Please properly credit my account immediately, and overhaul the way your business currently handles these issues, or I can do you the favor of sending my complaint to the Federal Trade Commission, Bureau of Consumer Protections, and whatever department that oversees your operation.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], 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.]There accusations are totally false. I have had my account with Vanilla for several months. I opened my account online and provided their required documents when I opened my account. Vanilla called me one day and informed me that my account was being suspended due to "fraudulent activities." Exactly what they feel is fraud is beyond me. The only thing I used my vanilla account for was to make it easy for my roommate to pay his share of the bills to me. My roommate was an over-the-road truck driver and he would purchase Reloadit cards for me to pay his share of the rent. Vanilla wanted me to provide a receipt that I did not have because my roommate purchased the card. Obviously, he does not have the receipt either as they were thrown away with the rest of his trash out of his truck. Because I do not have the receipts for the last two deposits, Vanilla refuses to refund me my money and close down my account.
I would like charges pressed against this company.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], 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.]I did not give my information to the simplexhacks and I have never given my information over the phone or otherwise to anyone. This is not true I have no idea who this person or company is.
Regards,[redacted]
September 12, 2016
12pt; font-family: Times New Roman;"> Ms. [redacted] Revdex.com Post Office Box 2587 Columbus Georgia 31902 Re: Revdex.com Case #[redacted] – [redacted] Dear Ms. [redacted]: Receipt of the above styled complaint is hereby acknowledged. We have investigated the issue with Mr. [redacted]’s MyVanilla Reloadable Debit Card. Unfortunately Mr. [redacted] was erroneously sold an expired MyVanilla Reloadable Debit Card on September 2, 2016. Due to the expired card status Mr. [redacted] was unable to register his card. We processed a refund for Mr. [redacted] in the amount of $83.95 on September 7, 2016 to the address provided in his complaint. We place a great deal of importance on customer satisfaction and we want to be sure our customers have a positive experience with our product. We sincerely apologize for any inconvenience this matter has caused. Thank you again for bringing this to my attention. Please call if you have any questions or if we may be of further assistance. I remain, Sincerely, [redacted] Chief Operating Officer Incomm Financial Services, Inc. 1200 Brookstone Centre Pkwy, Suite 220 Columbus, Georgia 31904 [redacted]
[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 [redacted] 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,
[redacted]
From: [redacted]Date: Tue, Dec 29, 2015 at 12:53 PMSubject: Issue resolvedTo: [redacted]
Hi,
I resolved the issue listed on the attachment (Complaint ID [redacted] Thank you for your quick action. One Vanilla took the complaint we filed very seriously.
Much appreciated,
[redacted]
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], 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,[redacted]
I have repeatedly responded that these pin #S were never disclosed to anyone. The pin #s were revealed by me on 08/06/2015 via telephone with their card member services @11:42 pm. This conversation was supposed to be recorded by them. My girlfriend was a witness to me revealing the pin#s at that time. How did they determine I gave these pin#s out? They will not reveal their identities to me. I'm sure if they were to contact these individuals they can not reveal my identity. They refuse to investigate. How do I know its not their employees or that these persons are not fictional. It seems to me that would be all that is necessary to validate my claim.
[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 [redacted], 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,
[redacted]
Roman";mso-hansi-font-family:Calibri;
mso-bidi-font-family:"Times New Roman"">
December 28, 2015
Ms. [redacted]
Revdex.com
Post Office Box 2587
Columbus Georgia 31902
Re: Revdex.com Case # [redacted]
– [redacted]
Dear Ms. [redacted]:
Receipt of the above styled inquiry is
hereby acknowledged. We have investigated the issue with Ms. [redacted]’s PayPal
MyCash Reload Cards.
Ms. [redacted] purchased two $500.00 PayPal
MyCash Reload Cards at CVS Pharmacy on December 3, 2015. As standard procedure
we requested documentation from Ms. [redacted] in order to research her issue with
her PayPal MyCash Reload Cards. After researching this inquiry we found that
the card in question was blocked, due to the system rules to prevent fraudulent
scams. We have reviewed the database and determined a dispute was opened due to
her redemption issue. We reviewed Ms. [redacted]’s information and she requested a
refund. We have been in contact with Ms. [redacted] to verify all of her PayPal
account details and advised her a refund check has been issued on December 23,
2015.
We sincerely apologize for any
inconvenience this matter has caused. Thank you again for bringing this to my
attention. If you have questions, or I may be of further service please contact
me directly. With warm regards I remain,
Sincerely,
[redacted]
Chief Operating Officer
Incomm Financial Services, Inc.
1200 Brookstone Centre Pkwy, Suite 220
Columbus, Georgia 31904
[redacted]
September 14, 2016
Roman;"> Ms. [redacted] Revdex.com Post Office Box 2587 Columbus Georgia 31902 Re: Revdex.com Case # [redacted] – [redacted] Dear Ms. [redacted]: Receipt of the above styled complaint is hereby acknowledged. We have investigated the issue with Ms. [redacted]’s MyVanilla Reloadable Debit Card. Thank you for taking the time to make us aware of the issue. We have reviewed Ms. [redacted]’s complaint and it appears she could be a victim of Identity Theft. We have contacted Ms. [redacted] regarding this matter. Please note that Ms. [redacted]’s identity was already stolen prior to the activation of the MyVanilla Debit Card. We would like to urge Ms. [redacted] to contact law enforcement to file a police report. We will cooperate fully in the investigation. We would also like to urge Ms. [redacted] to contact the three major credit bureaus to place a fraud alert and obtain copies of her credit reports: · Equifax - http://www.equifax.com/ - 1-800-525-6285 · Experian - http://www.experian.com/ - 1-888-397-3742 · Trans Union - http://www.transunion.com/ - 1-800-680-7289 We have closed the account that was created with Ms. [redacted]’s information. We will pledge our support in the investigation and resolution of the matter. Please call if you have any questions or if I may be of further assistance. Thank you for bringing this to my attention. Sincerely, [redacted] Chief Operating Officer Incomm Financial Services, Inc. 1200 Brookstone Centre Pkwy, Suite 220 Columbus, Georgia 31904 [redacted]