March 22,
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]'s MyVanilla Reloadable Visa Debit Card
We have reviewed Mr
[redacted]'s complaint and it appears he voluntarily provided his card information
to initiate the transaction on the card in questionWe would like to advise Mr
[redacted] 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 fraudulentWe will pledge our support in the investigation and
resolution of any crimes which may have been committedWe hope that Mr[redacted]
is able to recover his losses; however, we are unable to reimburse Mr[redacted]'s
loss since the card was redeemed with his consent
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[redacted] to contact our officePlease call if you have any questions
or if I may be of further assistanceThank you for bringing this to my
attention.
Sincerely,
[redacted]
Chief Operating Officer
Incomm Financial Services,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
[redacted]
January 28,
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 Ms[redacted]'s Vanilla Visa Gift Card
Ms[redacted]'s claim has been denied due to incorrect information
given. We reviewed the documentation as
well as the transaction history for each account. There were multiple cards purchased at the
same time by Ms[redacted] and all were depleted at the same location at the same
date and time
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. 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 22,
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 Ms[redacted]'s
Vanilla Reload Network Cards
Ms[redacted] purchased
Vanilla Reload Network Cards and requested a refund on May 15, and on May
24, she called stating she had not received her refundOur Compliance department
has made attempts to contact Ms[redacted] to clarify reason for her refund and
voicemails were left; however, we have not heard back from Ms[redacted]The
activity was very suspicious to us due to the amount of refunds requested and
the fact that the cards were purchased in New Mexico and the refund were
requested to be delivered to IowaOn June 16, we were able to approve these
refunds, because of the explanation that was given by Ms[redacted] in her
compliant
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,
[redacted]
Chief Operating Officer
ITC Financial Licenses,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
(678) 921-
"">April 6,
MsTrina
Stallone
RevDex.com
Post
Office Box
Columbus
Georgia
Re:
Revdex.com Case # [redacted]
Dear Ms
[redacted]
Receipt
of the above styled complaint is hereby acknowledgedWe have investigated the
issue with Ms[redacted]'s 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 accountThese regulations are designed to
protect the financial infrastructure of the United States from potential money
laundering and terrorist financingTo complete the authentication process we
compare name, address, social security number and date of birth against
commercially available databasesThe information is obtained strictly under
the requirements of the USA PATRIOT Act and is protected on our systems in a
PCI compliant environmentOur obligation to collect information and perform
these checks is disclosed on the face of our card packaging
After
researching this inquiry, we discovered Ms[redacted] was unable to register her
cardDue to the USA Patriot Act we are unable to allow cash access or reloads
without being able to successfully identify our cardholdersWe have attempted
to contact Ms[redacted] via email and telephone to help resolve the issue with
her MyVanilla Reloadable Debit Card; however we have been unsuccessful
We place
a great deal of importance on customer satisfaction and want to be sure that
our customers have a positive experience with our productAs evidence thereof,
we are sending a refund check in the amount of $to the address provided
in her complaintWe sincerely apologize for any inconvenience this matter has
causedThank you for bringing this to our attention
Sincerely,
[redacted]
Chief
Operating Officer
Incomm
Financial Services, Inc
Brookstone Centre Pkwy, Suite
Columbus,
Georgia
[redacted]
">June
30,
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 Vanilla Visa
Gift Card
In accordance with the Vanilla Visa Cardholder
agreement, it states "If you use your Card at a restaurant, a hotel, for a car
rental purchase, or for similar purchases, the merchant may preauthorize the
transaction amount for the purchase amount plus up to 20% or more to ensure there
are sufficient funds available to cover tips or incidental expenses incurred"
Of course, when the transaction reaches a settlement, only the amount of the
gratuity you authorized will be deducted from the balance on your card To provide further clarity in avoiding this
type of issue we have also created a video entitled "Consumer Tips about Gift
Cards" which is available via our website www.vanillavisa.com
and via selected television broadcasts
[redacted] Restaurant originally attempted
to obtain authorization on Mr[redacted]'s Gift Card for an amount of $on June
28, This transaction was denied due to the amount requested exceeding the
face value of the cardA preauthorization was approved on June 29, in the
amount of $and on June 30, that transaction settled an amount of $
The available balance on the card is $and we encourage Mr[redacted] to use
the card to deplete the balancePlease note the terms and conditions still
apply and are available via our website www.vanillavisa.com. We
have provided a copy of Mr[redacted]'s account activity below
We sincerely apologize for any
inconvenience this matter has causedThank you for bringing this to our
attentionPlease call if you have any questions
Sincerely,
[redacted]
Chief
Operating Officer
ITC
Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus,
Georgia
###-###-####
May 25,
"line-height: normal;">
Ms[redacted]
Revdex.com
Post Office Box
Columbus Georgia
Re: Revdex.com Case #[redacted] –
[redacted]
Dear Ms[redacted]:
This letter is in response to your letter, dated May 15, 2014,
regarding the complaint of Mr[redacted]. Due to an operational problem,
we had to freeze certain accounts, including Mr[redacted]' MyVanilla Reloadable
Debit Card that presented transaction activity that appeared suspicious in
nature in order to stem any possible fraud that might have occurred while we
worked to address this problem. Products such as Mr[redacted]' MyVanilla
Reloadable Debit Card are consistently monitored and reviewed to protect our
cardholders.
Mr[redacted]' account was blocked on May 7, 2014. Once this issue
was resolved and we confirmed that Mr[redacted]' MyVanilla Reloadable Debit
Card was not being used fraudulently, it was placed in a Spend Down status on
May 22, 2014. This will allow him to use
the card to deplete the balance; however, he can no longer load funds to his
account. As such, all of the issues
presented in Mr[redacted]' complaint have been resolvedMr[redacted]
now has access to the full amount of funds in his accountHe is currently
using his card and his balance is $1,as of May 25,
We appreciate your assistance in bringing this matter to our
attention. Should you have any questions or require any additional
information, please do not hesitate to contact us
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus, Georgia
October 27,
"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 inquiry is hereby acknowledgedWe have
investigated the issue with Mr[redacted]'s $Vanilla Visa Gift Card
Mr[redacted]'s card was purchased prior to August 22, 2010. This is when the fee plan changed in our
terms and conditionsUnder our old plan, the activation of the card at the
point of sale triggers the timeframe by which fees, if applicable, were
assessedUnder our new plan, no fees are assessed after the initial purchase
Each Vanilla Visa 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 terms and
conditions, including fees, which apply to the CardThe terms and conditions
are received with the Card and are available at anytime for viewing online at www.vanillavisa.com
In accordance with the "Fees" section of the Cardholder Agreement, Mr[redacted]'s
Gift Card was assessed monthly fees totaling $
Mr[redacted]'s Gift Card expired in July of 2012;
however, the funds do not expire. We place a great deal of importance on customer
satisfaction and want to be sure that our customers have a positive experience
with our products. As evidence thereof,
we have issued a replacement card to Mr[redacted] and the balance now reflects the
original face value of $The replacement card was sent to the address
provided in his complaint
We sincerely apologize for any inconvenience this matter has causedWe
hope that you will find with this a satisfactory resolutionWith the issuance
of this replacement card we consider this issue closedThank you for bringing
this to our attention
Please call if you have questions or if I may be of further serviceI
remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc
Princeton Avenue
Columbus, Georgia
###-###-####
March 30,
"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 inquiry is hereby acknowledgedWe have reviewed Ms[redacted]'s issue
with her MyVanilla Reloadable Visa Debit Card
Ms[redacted] initially
contacted our office on March 9, to file a disputeDuring our
investigation we found that Ms[redacted]'s card was registered in another nameAs
standard procedure we requested documentation from Ms[redacted] to prove
ownership of the cardMs[redacted] has proved ownership of this account;
however, the funds were depleted by the merchant MAB PAYOn March 30, we
submitted a chargeback on Ms[redacted]'s behalfPer Visa Regulations, the
merchant has days from the date the chargeback was submitted to represent
The 45th day will be May If the merchant does not represent, a refund
will be issued to Ms[redacted]
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 sincerely apologize for any
inconvenience this matter has causedThank you for bringing this to our
attentionPlease call if you have any questions, or if I may be of further
assistance in any wayI remain,
Sincerely,
[redacted]
Chief Operating Officer
Incomm Financial Services,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
[redacted]
November 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 attempted to investigate the issue
with Mr[redacted]‘s PayPal Card
We have contacted Mr[redacted] in
order to get the digit card number needed to investigate the issueAfter
contacting Mr[redacted] to research this claim he refused to provide us with
any information regarding his account stating his issue was with PayPal and he
had not heard of our companyWe attempted to explain how cards are issued, but
Mr[redacted] disconnected the call
If he will furnish the requested
information, we will be glad to investigate and resolve the issueAs always,
we strive to ensure our customers have a good and equitable experience with our
productsUntil 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 16-digit number of the card in questionMr[redacted]
can fax a copy of the required documents to ###-###-####
We sincerely apologize for any
inconvenience caused by this matterThank you for bringing this to our
attentionPlease call if you have any questions or if I may be of further
assistanceI remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy,
Suite
Columbus, Georgia
###-###-####
May 30,
"line-height: normal;">
Ms. [redacted]
Revdex.com
Post Office Box
Columbus Georgia
Re: Revdex.com Case #[redacted] – Erica
[redacted]
Dear Ms. [redacted]
Receipt of the above styled inquiry is hereby
acknowledgedWe have investigated the issue with Ms[redacted]'s Vanilla Reload
Network Card
Ms[redacted] purchased the Vanilla Reload
Network Card with a load of $200.00. We
searched our system for the refund request placed and found it under the name
of [redacted]. We were advised via
telephone previously that a check had not been received. We
place a great deal of importance on customer satisfaction. As evidence thereof we voided the
original check and issued a new check on May 22, 2014.
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
"line-height:normal">
November 23,
Ms[redacted]
Revdex.com
Post Office Box
Columbus Georgia
Re: RevDex.com Case #[redacted]
Dear Ms[redacted]
Receipt of the above
styled complaint is hereby acknowledgedWe 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 November 12, and via phone on November 23, As
standard procedure we requested documentation from Ms[redacted]After reviewing
the issue with the PIN Ms[redacted] provided it was only for $45.00, we
discovered the email address that the PIN was loaded to does not match Ms
[redacted]'s informationIf she will furnish the requested information showing the
merchants name and address where the $PIN was purchased along with the
date, 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 productsUntil such time as we
receive the requested information to correct this issue, we consider this
matter closed
Please call if you have
questions or if I may be of further serviceI remain,
[redacted]
Chief Operating Officer
Incomm Financial Services,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
###-###-####
August 21,
">
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 Ms[redacted]'s 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 databasesWe 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 environmentOur obligation to collect information and perform these
checks is disclosed on the face of our card packaging
After researching this inquiry it appears
that there was an attempt to register the card; however, our system was unable
to verify the customer's identityWe have contacted Ms[redacted] to further
assist her and she has chosen not to register her cardWe have activated Ms
[redacted]'s card to be used as a Gift Card so that she can deplete the balance
We sincerely apologize for any inconvenience this matter has causedPlease
call if you have questions or if I may be of further serviceI remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus, Georgia
(678) 921-
February 18,
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 attempted to investigate the
issue with Mr[redacted]' MyVanilla Reloadable Visa Debit Card
We have contacted Mr[redacted]
in order to get the digit card number needed to investigate the issueAfter
contacting Mr[redacted] to research this claim he advised the issue has been
resolved and he has received all the money he was entitled to
We sincerely apologize
for any inconvenience caused by this matterThank you for bringing this to our
attentionPlease call if you have any questions or if I may be of further
assistanceI remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
###-###-####
July 14,
"">Ms[redacted] Revdex.com Post Office Box Columbus Georgia Re: Revdex.com Case # [redacted] – [redacted] Dear Ms[redacted]: Receipt of the above styled inquiry is hereby acknowledgedWe have investigated the issue with Ms[redacted]'s PayPal MyCash Reload Card After researching this inquiry, we found that there were no attempts made to load the funds to the Ms[redacted]'s account and no attempts to request a refund onlineWe have attempted to contact Ms[redacted] multiple times to better understand her concerns; however, we have been unsuccessfulWe have issued a refund check in the amount of $to the address provided in her complaint 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 Incomm Financial Services, IncBrookstone Centre Pkwy, Suite Columbus, Georgia [redacted]
"">March 28,
Ms[redacted]
RevDex.com
Post
Office Box
Columbus
Georgia
Re:
Revdex.com Case # [redacted] – [redacted]
Dear Ms
[redacted]:
Receipt
of the above styled inquiry is hereby acknowledgedWe have investigated the
issue with Ms[redacted]'s PayPal MyCash Reload Card
Ms[redacted]
contacted us on March 14, regarding an error she was receiving when attempting
to load funds to her accountAs standard procedure we requested documentation
from Ms[redacted] in order to research this issueAfter researching this inquiry,
we found that the card in question was blocked; due to the system rules we have
in place to prevent fraudulent scamsWe reviewed Ms[redacted]'s information and
no fraudulent activity has been reported against her accountWe have contacted
Ms[redacted] via email advising her that the account has been released and is now
available for loads; however, she requested a refund in lieu of redeeming her
PINWe issued a refund check in the amount of $on March 25,
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
Incomm
Financial Services, Inc
Brookstone Centre Pkwy, Suite
Columbus,
Georgia
[redacted]
February 18,
"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
attempted to contact Ms[redacted] via the telephone number and e-mail address 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 February 7, 2014, followed
by a telephone attempt on February 11, 2014.
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 issueAs always, we strive to ensure our customers have a good and
equitable experience with our productsUntil 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 16-digit
number of the card in questionMs[redacted] can fax a copy of the required
documents to ###-###-####
Please call if you have questions or if I may be of further serviceI
remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus, Georgia
###-###-####
"line-height:normal">March 28,
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 Ms
[redacted]'s JH Preferred Reloadable Visa Debit Card
Ms[redacted] initially
contacted our office on March 8, to dispute charges made to her card by
the merchant T-MOBILE in the amount of $We sent Ms[redacted] a dispute
packet via e-mailA letter was sent on March 22, stating the final date
of resolution would be no later than June 6, A chargeback was submitted
and a provisional credit was applied to Ms[redacted]'s account on March 25,
The merchant has days to respond to the chargebackIf the merchant does not
respond the provisional credit will remain on the account
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 productWe sincerely apologize for any
inconvenience this matter has causedWith the denial of this dispute, we
consider this issue closedPlease call if you have any questions, or if I may
be further assistance in any wayI remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
[redacted]
September 4,
"line-height: normal;">
[redacted]
Revdex.com
Post Office Box
Columbus Georgia
Re: Revdex.com Case # [redacted] – [redacted]
Dear MsCook:
Receipt of the above styled complaint is hereby acknowledgedWe have investigated
the issue with Ms[redacted] MyVanilla Reloadable Debit Card
Each MyVanilla Reloadable
Debit Card is accompanied by a printed Cardholder Agreement, which constitutes
an agreement between the Cardholder and the issuer of the Card, and sets forth
terms and conditions, including fees, which apply to the CardThe terms and
conditions are received with the Card and are available at any time for viewing
online at www.myvanilladebitcard.com
Ms[redacted] account was blocked because the
card had activity that was suspicious in nature. These cards have strict restrictions and are
reviewed daily to protect our cardholders.
The account has been placed in a Spend Down status. This will allow Ms[redacted] to remove the funds
from her account, but she will not have the ability to load funds. There is no logical reason to load funds on a
prepaid card and immediately withdraw the funds. This behavior is not an intended use of our
product. We urge her to use the card to
deplete the balance.
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 resolution
Thank 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
[redacted]
January 28,
"line-height:normal">
Ms. [redacted]
Revdex.com
Post Office Box 2587
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 Ms[redacted] 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
After
researching this inquiry, we discovered Ms[redacted] was unable to register her
cardDue to the USA Patriot Act we are unable to allow cash access or reloads
without being able to successfully identify our cardholdersWe offered to
activate the card as a Gift Card so that Ms[redacted] to use the card to deplete
the balance. This would allow her
immediate access to her funds. We place
a great deal of importance on customer satisfaction and want our customers to
have a positive experience. Because Ms
[redacted] was unable to register her card a fee will not be charged. We have issued a refund check for the full
balance plus her activation fee
We
sincerely apologize for any inconvenience this matter has causedPlease call
if you have questions or if I may be of further serviceI remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus, Georgia
###-###-####
class="MsoNormalCxSpMiddle" "line-height:normal">December 21,
Ms[redacted]
Revdex.com
Post Office Box
Columbus Georgia
Re: RevDex.com Case #– Pamela [redacted]
Dear Ms[redacted]:
Receipt of the above
styled inquiry is hereby acknowledgedWe have investigated the issue with Ms
[redacted]'s PayPal MyCash Reload Cards
Ms[redacted] purchased
two $PayPal MyCash Reload Cards at Walgreens Pharmacy on November 27,
As standard procedure we requested documentation from Ms[redacted] in
order to research her issue with her PayPal MyCash Reload CardsAfter
researching this inquiry we found that the cards in question were blocked, due
to the system rules to prevent fraudulent scamsWe have reviewed the database
and determined we have never received a dispute against Ms[redacted]'s account
We have been in contact
with Ms[redacted] and assisted her with loading one her $PIN's to her
PayPal account as she did not have access to the internetWe have provided her
with our Fraud Department's direct phone number if she needs assistance in
loading the second $PIN to her PayPal account
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
Incomm Financial Services,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
[redacted]
March 22,
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]'s MyVanilla Reloadable Visa Debit Card
We have reviewed Mr
[redacted]'s complaint and it appears he voluntarily provided his card information
to initiate the transaction on the card in questionWe would like to advise Mr
[redacted] 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 fraudulentWe will pledge our support in the investigation and
resolution of any crimes which may have been committedWe hope that Mr[redacted]
is able to recover his losses; however, we are unable to reimburse Mr[redacted]'s
loss since the card was redeemed with his consent
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[redacted] to contact our officePlease call if you have any questions
or if I may be of further assistanceThank you for bringing this to my
attention.
Sincerely,
[redacted]
Chief Operating Officer
Incomm Financial Services,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
[redacted]
January 28,
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 Ms[redacted]'s Vanilla Visa Gift Card
Ms[redacted]'s claim has been denied due to incorrect information
given. We reviewed the documentation as
well as the transaction history for each account. There were multiple cards purchased at the
same time by Ms[redacted] and all were depleted at the same location at the same
date and time
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. 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 22,
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 Ms[redacted]'s
Vanilla Reload Network Cards
Ms[redacted] purchased
Vanilla Reload Network Cards and requested a refund on May 15, and on May
24, she called stating she had not received her refundOur Compliance department
has made attempts to contact Ms[redacted] to clarify reason for her refund and
voicemails were left; however, we have not heard back from Ms[redacted]The
activity was very suspicious to us due to the amount of refunds requested and
the fact that the cards were purchased in New Mexico and the refund were
requested to be delivered to IowaOn June 16, we were able to approve these
refunds, because of the explanation that was given by Ms[redacted] in her
compliant
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,
[redacted]
Chief Operating Officer
ITC Financial Licenses,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
(678) 921-
"">April 6,
MsTrina
Stallone
RevDex.com
Post
Office Box
Columbus
Georgia
Re:
Revdex.com Case # [redacted]
Dear Ms
[redacted]
Receipt
of the above styled complaint is hereby acknowledgedWe have investigated the
issue with Ms[redacted]'s 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 accountThese regulations are designed to
protect the financial infrastructure of the United States from potential money
laundering and terrorist financingTo complete the authentication process we
compare name, address, social security number and date of birth against
commercially available databasesThe information is obtained strictly under
the requirements of the USA PATRIOT Act and is protected on our systems in a
PCI compliant environmentOur obligation to collect information and perform
these checks is disclosed on the face of our card packaging
After
researching this inquiry, we discovered Ms[redacted] was unable to register her
cardDue to the USA Patriot Act we are unable to allow cash access or reloads
without being able to successfully identify our cardholdersWe have attempted
to contact Ms[redacted] via email and telephone to help resolve the issue with
her MyVanilla Reloadable Debit Card; however we have been unsuccessful
We place
a great deal of importance on customer satisfaction and want to be sure that
our customers have a positive experience with our productAs evidence thereof,
we are sending a refund check in the amount of $to the address provided
in her complaintWe sincerely apologize for any inconvenience this matter has
causedThank you for bringing this to our attention
Sincerely,
[redacted]
Chief
Operating Officer
Incomm
Financial Services, Inc
Brookstone Centre Pkwy, Suite
Columbus,
Georgia
[redacted]
">June
30,
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 Vanilla Visa
Gift Card
In accordance with the Vanilla Visa Cardholder
agreement, it states "If you use your Card at a restaurant, a hotel, for a car
rental purchase, or for similar purchases, the merchant may preauthorize the
transaction amount for the purchase amount plus up to 20% or more to ensure there
are sufficient funds available to cover tips or incidental expenses incurred"
Of course, when the transaction reaches a settlement, only the amount of the
gratuity you authorized will be deducted from the balance on your card To provide further clarity in avoiding this
type of issue we have also created a video entitled "Consumer Tips about Gift
Cards" which is available via our website www.vanillavisa.com
and via selected television broadcasts
[redacted] Restaurant originally attempted
to obtain authorization on Mr[redacted]'s Gift Card for an amount of $on June
28, This transaction was denied due to the amount requested exceeding the
face value of the cardA preauthorization was approved on June 29, in the
amount of $and on June 30, that transaction settled an amount of $
The available balance on the card is $and we encourage Mr[redacted] to use
the card to deplete the balancePlease note the terms and conditions still
apply and are available via our website www.vanillavisa.com. We
have provided a copy of Mr[redacted]'s account activity below
We sincerely apologize for any
inconvenience this matter has causedThank you for bringing this to our
attentionPlease call if you have any questions
Sincerely,
[redacted]
Chief
Operating Officer
ITC
Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus,
Georgia
###-###-####
May 25,
"line-height: normal;">
Ms[redacted]
Revdex.com
Post Office Box
Columbus Georgia
Re: Revdex.com Case #[redacted] –
[redacted]
Dear Ms[redacted]:
This letter is in response to your letter, dated May 15, 2014,
regarding the complaint of Mr[redacted]. Due to an operational problem,
we had to freeze certain accounts, including Mr[redacted]' MyVanilla Reloadable
Debit Card that presented transaction activity that appeared suspicious in
nature in order to stem any possible fraud that might have occurred while we
worked to address this problem. Products such as Mr[redacted]' MyVanilla
Reloadable Debit Card are consistently monitored and reviewed to protect our
cardholders.
Mr[redacted]' account was blocked on May 7, 2014. Once this issue
was resolved and we confirmed that Mr[redacted]' MyVanilla Reloadable Debit
Card was not being used fraudulently, it was placed in a Spend Down status on
May 22, 2014. This will allow him to use
the card to deplete the balance; however, he can no longer load funds to his
account. As such, all of the issues
presented in Mr[redacted]' complaint have been resolvedMr[redacted]
now has access to the full amount of funds in his accountHe is currently
using his card and his balance is $1,as of May 25,
We appreciate your assistance in bringing this matter to our
attention. Should you have any questions or require any additional
information, please do not hesitate to contact us
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus, Georgia
October 27,
"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 inquiry is hereby acknowledgedWe have
investigated the issue with Mr[redacted]'s $Vanilla Visa Gift Card
Mr[redacted]'s card was purchased prior to August 22, 2010. This is when the fee plan changed in our
terms and conditionsUnder our old plan, the activation of the card at the
point of sale triggers the timeframe by which fees, if applicable, were
assessedUnder our new plan, no fees are assessed after the initial purchase
Each Vanilla Visa 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 terms and
conditions, including fees, which apply to the CardThe terms and conditions
are received with the Card and are available at anytime for viewing online at www.vanillavisa.com
In accordance with the "Fees" section of the Cardholder Agreement, Mr[redacted]'s
Gift Card was assessed monthly fees totaling $
Mr[redacted]'s Gift Card expired in July of 2012;
however, the funds do not expire. We place a great deal of importance on customer
satisfaction and want to be sure that our customers have a positive experience
with our products. As evidence thereof,
we have issued a replacement card to Mr[redacted] and the balance now reflects the
original face value of $The replacement card was sent to the address
provided in his complaint
We sincerely apologize for any inconvenience this matter has causedWe
hope that you will find with this a satisfactory resolutionWith the issuance
of this replacement card we consider this issue closedThank you for bringing
this to our attention
Please call if you have questions or if I may be of further serviceI
remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc
Princeton Avenue
Columbus, Georgia
###-###-####
March 30,
"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 inquiry is hereby acknowledgedWe have reviewed Ms[redacted]'s issue
with her MyVanilla Reloadable Visa Debit Card
Ms[redacted] initially
contacted our office on March 9, to file a disputeDuring our
investigation we found that Ms[redacted]'s card was registered in another nameAs
standard procedure we requested documentation from Ms[redacted] to prove
ownership of the cardMs[redacted] has proved ownership of this account;
however, the funds were depleted by the merchant MAB PAYOn March 30, we
submitted a chargeback on Ms[redacted]'s behalfPer Visa Regulations, the
merchant has days from the date the chargeback was submitted to represent
The 45th day will be May If the merchant does not represent, a refund
will be issued to Ms[redacted]
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 sincerely apologize for any
inconvenience this matter has causedThank you for bringing this to our
attentionPlease call if you have any questions, or if I may be of further
assistance in any wayI remain,
Sincerely,
[redacted]
Chief Operating Officer
Incomm Financial Services,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
[redacted]
November 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 attempted to investigate the issue
with Mr[redacted]‘s PayPal Card
We have contacted Mr[redacted] in
order to get the digit card number needed to investigate the issueAfter
contacting Mr[redacted] to research this claim he refused to provide us with
any information regarding his account stating his issue was with PayPal and he
had not heard of our companyWe attempted to explain how cards are issued, but
Mr[redacted] disconnected the call
If he will furnish the requested
information, we will be glad to investigate and resolve the issueAs always,
we strive to ensure our customers have a good and equitable experience with our
productsUntil 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 16-digit number of the card in questionMr[redacted]
can fax a copy of the required documents to ###-###-####
We sincerely apologize for any
inconvenience caused by this matterThank you for bringing this to our
attentionPlease call if you have any questions or if I may be of further
assistanceI remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy,
Suite
Columbus, Georgia
###-###-####
May 30,
"line-height: normal;">
Ms. [redacted]
Revdex.com
Post Office Box
Columbus Georgia
Re: Revdex.com Case #[redacted] – Erica
[redacted]
Dear Ms. [redacted]
Receipt of the above styled inquiry is hereby
acknowledgedWe have investigated the issue with Ms[redacted]'s Vanilla Reload
Network Card
Ms[redacted] purchased the Vanilla Reload
Network Card with a load of $200.00. We
searched our system for the refund request placed and found it under the name
of [redacted]. We were advised via
telephone previously that a check had not been received. We
place a great deal of importance on customer satisfaction. As evidence thereof we voided the
original check and issued a new check on May 22, 2014.
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
"line-height:normal">
November 23,
Ms[redacted]
Revdex.com
Post Office Box
Columbus Georgia
Re: RevDex.com Case #[redacted]
Dear Ms[redacted]
Receipt of the above
styled complaint is hereby acknowledgedWe 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 November 12, and via phone on November 23, As
standard procedure we requested documentation from Ms[redacted]After reviewing
the issue with the PIN Ms[redacted] provided it was only for $45.00, we
discovered the email address that the PIN was loaded to does not match Ms
[redacted]'s informationIf she will furnish the requested information showing the
merchants name and address where the $PIN was purchased along with the
date, 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 productsUntil such time as we
receive the requested information to correct this issue, we consider this
matter closed
Please call if you have
questions or if I may be of further serviceI remain,
[redacted]
Chief Operating Officer
Incomm Financial Services,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
###-###-####
August 21,
">
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 Ms[redacted]'s 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 databasesWe 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 environmentOur obligation to collect information and perform these
checks is disclosed on the face of our card packaging
After researching this inquiry it appears
that there was an attempt to register the card; however, our system was unable
to verify the customer's identityWe have contacted Ms[redacted] to further
assist her and she has chosen not to register her cardWe have activated Ms
[redacted]'s card to be used as a Gift Card so that she can deplete the balance
We sincerely apologize for any inconvenience this matter has causedPlease
call if you have questions or if I may be of further serviceI remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus, Georgia
(678) 921-
February 18,
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 attempted to investigate the
issue with Mr[redacted]' MyVanilla Reloadable Visa Debit Card
We have contacted Mr[redacted]
in order to get the digit card number needed to investigate the issueAfter
contacting Mr[redacted] to research this claim he advised the issue has been
resolved and he has received all the money he was entitled to
We sincerely apologize
for any inconvenience caused by this matterThank you for bringing this to our
attentionPlease call if you have any questions or if I may be of further
assistanceI remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
###-###-####
July 14,
"">Ms[redacted] Revdex.com Post Office Box Columbus Georgia Re: Revdex.com Case # [redacted] – [redacted] Dear Ms[redacted]: Receipt of the above styled inquiry is hereby acknowledgedWe have investigated the issue with Ms[redacted]'s PayPal MyCash Reload Card After researching this inquiry, we found that there were no attempts made to load the funds to the Ms[redacted]'s account and no attempts to request a refund onlineWe have attempted to contact Ms[redacted] multiple times to better understand her concerns; however, we have been unsuccessfulWe have issued a refund check in the amount of $to the address provided in her complaint 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 Incomm Financial Services, IncBrookstone Centre Pkwy, Suite Columbus, Georgia [redacted]
"">March 28,
Ms[redacted]
RevDex.com
Post
Office Box
Columbus
Georgia
Re:
Revdex.com Case # [redacted] – [redacted]
Dear Ms
[redacted]:
Receipt
of the above styled inquiry is hereby acknowledgedWe have investigated the
issue with Ms[redacted]'s PayPal MyCash Reload Card
Ms[redacted]
contacted us on March 14, regarding an error she was receiving when attempting
to load funds to her accountAs standard procedure we requested documentation
from Ms[redacted] in order to research this issueAfter researching this inquiry,
we found that the card in question was blocked; due to the system rules we have
in place to prevent fraudulent scamsWe reviewed Ms[redacted]'s information and
no fraudulent activity has been reported against her accountWe have contacted
Ms[redacted] via email advising her that the account has been released and is now
available for loads; however, she requested a refund in lieu of redeeming her
PINWe issued a refund check in the amount of $on March 25,
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
Incomm
Financial Services, Inc
Brookstone Centre Pkwy, Suite
Columbus,
Georgia
[redacted]
February 18,
"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
attempted to contact Ms[redacted] via the telephone number and e-mail address 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 February 7, 2014, followed
by a telephone attempt on February 11, 2014.
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 issueAs always, we strive to ensure our customers have a good and
equitable experience with our productsUntil 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 16-digit
number of the card in questionMs[redacted] can fax a copy of the required
documents to ###-###-####
Please call if you have questions or if I may be of further serviceI
remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus, Georgia
###-###-####
"line-height:normal">March 28,
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 Ms
[redacted]'s JH Preferred Reloadable Visa Debit Card
Ms[redacted] initially
contacted our office on March 8, to dispute charges made to her card by
the merchant T-MOBILE in the amount of $We sent Ms[redacted] a dispute
packet via e-mailA letter was sent on March 22, stating the final date
of resolution would be no later than June 6, A chargeback was submitted
and a provisional credit was applied to Ms[redacted]'s account on March 25,
The merchant has days to respond to the chargebackIf the merchant does not
respond the provisional credit will remain on the account
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 productWe sincerely apologize for any
inconvenience this matter has causedWith the denial of this dispute, we
consider this issue closedPlease call if you have any questions, or if I may
be further assistance in any wayI remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
[redacted]
September 4,
"line-height: normal;">
[redacted]
Revdex.com
Post Office Box
Columbus Georgia
Re: Revdex.com Case # [redacted] – [redacted]
Dear MsCook:
Receipt of the above styled complaint is hereby acknowledgedWe have investigated
the issue with Ms[redacted] MyVanilla Reloadable Debit Card
Each MyVanilla Reloadable
Debit Card is accompanied by a printed Cardholder Agreement, which constitutes
an agreement between the Cardholder and the issuer of the Card, and sets forth
terms and conditions, including fees, which apply to the CardThe terms and
conditions are received with the Card and are available at any time for viewing
online at www.myvanilladebitcard.com
Ms[redacted] account was blocked because the
card had activity that was suspicious in nature. These cards have strict restrictions and are
reviewed daily to protect our cardholders.
The account has been placed in a Spend Down status. This will allow Ms[redacted] to remove the funds
from her account, but she will not have the ability to load funds. There is no logical reason to load funds on a
prepaid card and immediately withdraw the funds. This behavior is not an intended use of our
product. We urge her to use the card to
deplete the balance.
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 resolution
Thank 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
[redacted]
January 28,
"line-height:normal">
Ms. [redacted]
Revdex.com
Post Office Box 2587
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 Ms[redacted] 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
After
researching this inquiry, we discovered Ms[redacted] was unable to register her
cardDue to the USA Patriot Act we are unable to allow cash access or reloads
without being able to successfully identify our cardholdersWe offered to
activate the card as a Gift Card so that Ms[redacted] to use the card to deplete
the balance. This would allow her
immediate access to her funds. We place
a great deal of importance on customer satisfaction and want our customers to
have a positive experience. Because Ms
[redacted] was unable to register her card a fee will not be charged. We have issued a refund check for the full
balance plus her activation fee
We
sincerely apologize for any inconvenience this matter has causedPlease call
if you have questions or if I may be of further serviceI remain,
Sincerely,
[redacted]
Chief Operating Officer
ITC Financial Licenses, Inc
Brookstone Centre Pkwy, Suite
Columbus, Georgia
###-###-####
class="MsoNormalCxSpMiddle" "line-height:normal">December 21,
Ms[redacted]
Revdex.com
Post Office Box
Columbus Georgia
Re: RevDex.com Case #– Pamela [redacted]
Dear Ms[redacted]:
Receipt of the above
styled inquiry is hereby acknowledgedWe have investigated the issue with Ms
[redacted]'s PayPal MyCash Reload Cards
Ms[redacted] purchased
two $PayPal MyCash Reload Cards at Walgreens Pharmacy on November 27,
As standard procedure we requested documentation from Ms[redacted] in
order to research her issue with her PayPal MyCash Reload CardsAfter
researching this inquiry we found that the cards in question were blocked, due
to the system rules to prevent fraudulent scamsWe have reviewed the database
and determined we have never received a dispute against Ms[redacted]'s account
We have been in contact
with Ms[redacted] and assisted her with loading one her $PIN's to her
PayPal account as she did not have access to the internetWe have provided her
with our Fraud Department's direct phone number if she needs assistance in
loading the second $PIN to her PayPal account
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
Incomm Financial Services,
Inc
Brookstone Centre
Pkwy, Suite
Columbus, Georgia
[redacted]