Complaints
This profile includes complaints for InComm Financial Services's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 1,827 total complaints in the last 3 years.
- 388 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:07/07/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I bought a $200 **** gift card from ******, but when I opened it, the security code (those three important digits) was blank and the last 4 digits of the 16 digits on the front of the card were scratched off. I can't check the balance of the card or use it online and I don't know if the funds are even still there. I'm seeking a replacement or some form of compensation, as the product was defective from the start. I have the receipt. I also tried contacting customer support but they require the last 4 digits which is the part that is not readable.
Business Response
Date: 07/21/2025
July 21, 2025
Mr. ***** *******
Better Business Bureau
****************************************************************************************
**********************
Re: Case No. ******** - ****** ******
Dear Mr. ****************** are writing in response to the concern reported by Mr. ****** regarding his *********** Gift Card. We appreciate these matters being brought to our attention.
After researching this inquiry, we found that Mr. ****** filed a Consumer Financial ***************** complaint on July 7, 2025. We responded with the below:
Prior to receipt of this complaint, we have not heard from Mr. ****** regarding this issue. A case was opened on his behalf and after a thorough review of the card account, we found that unfortunately, he was a victim of a form of fraud known as package tampering.This means that his card was fraudulently compromised prior to activation. Our fraud team continues to investigate this issue. The case has been finalized in his favor and a replacement card of $200.00 was sent via ***** tracking no.8826 4491 2874. Our records indicate that the card was delivered on July 10,2025.
We place a great deal of importance on customer satisfaction and want to be sure our customers have a positive experience with our product. Please call if you have any questions, or if we may be of further assistance in any way.
Sincerely,
Complaints *********************************************************** Box 826
*****************************
******************************************************************Initial Complaint
Date:06/29/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*** ******Business Response
Date: 07/24/2025
July 24, 2025
Mr. ***** *******
Better Business Bureau
****************************************************************************************
**********************
Re: Case No. ******** - *** ******
Dear Mr. ****************** are writing in response to the concern reported by *** ****** regarding their ************ Gift Card. We appreciate these matters being brought to our attention.
*** ****** initially opened a case via our cardholder website regarding a billing dispute with the merchant Christmas Tree Hill in the amount of $50.00.After a thorough review of the account and evaluation of the evidence provided, we were unable to approve the dispute.We are only able to refund any amounts recovered from the merchant and in this instance, we are unable to recover the disputed funds. An email was sent on June 3, 2025, advising them of the denied dispute.
Please know that we take concerns from our cardholders very seriously. We have performed a second level review and based on our findings, we have overturned our initial decision. A replacement card of $50.00 has been expedited to *** ****** via ***** tracking no. 8829 3739 6190. We communicated this information to them via email.
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. Please contact us if you have any questions, or if we may be of further assistance in any way.
Sincerely,
Complaints *************************************************************** Box 826
****************************
******************************************************************Initial Complaint
Date:06/29/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*** JBusiness Response
Date: 07/24/2025
July 24, 2025
Mr. ***** *******
Better Business Bureau
****************************************************************************************
**********************
Re: Case No. ******** - *** J
Dear Mr. ****************** are writing in response to the concern reported by *** J regarding his ************ Gift Card.We appreciate these matters being brought to our attention.
When a card is purchased, the point of sale triggers the activation of the card. There were no attempts made to activate this card. Unfortunately, we are unable to locate any evidence this card was ever given any value. When *** J initially contacted us, as standard procedure a case was opened, and documents were requested so we could research the issue. Documentation was received; however, the store purchase receipt or electronic journal was not provided.Unless we receive documentation stating otherwise, it appears this card was never purchased. Once the requested document is received, we will complete our review of this matter. We communicated this information to *** J via email.
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. Please contact us if you have any questions, or if we may be of further assistance in any way.
Sincerely,
Complaints Research Team
InComm Financial Services, Inc.
Post Office Box 826
****************************
******************************************************************Initial Complaint
Date:06/17/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been I can be reached at ************. The debit card associated with the account is ****************.In order for the BBB to appropriately process your response, you MUST answer the question above.
Sincerely,
***** ******
Business Response
Date: 04/21/2025
We are unable to respond to the complainants concerns as we need more information to locate the account in question. We attempted to reach the complainant by phone but were unsuccessful. Because there is no address, we are unable to send a request for more information to the complainant. We need the complainant to provide information such as valid mailing address and full account number.Business Response
Date: 06/04/2025
The Card account noted in this complaint is a **** card issued by InComm. Although it bears the Bluebird name, it is a product managed and serviced by them. Please forward this complaint to InComm for research and responseBusiness Response
Date: 07/14/2025
July 14, 2025
Mr. ***** *******
Better Business Bureau
****************************************************************************************
**********************
Re: Case No. ******** - ***** ******
Dear Mr. ****************** are writing in response to the concern reported by ********* regarding her ************* DDA. We appreciate these matters being brought to our attention.
Ms. ****** initially contacted us on March 7, 2025, regarding a billing dispute with the merchant ETT*MarineClubPNCRENT in the amount of $4,261.13. As standard procedure, a case was opened, and documents were requested to aid in our investigation. After a thorough review of the account and evaluation of the evidence provided, the case was approved in Ms.Dewalts favor on May 22, 2025, and her account was credited with $4,261.13. We communicated this information to her via email.
Additionally,please know that **** regulates the timeframes for chargeback handling and dispute resolution. While we make every effort to resolve disputes as quickly as possible, it may take up to a maximum of ninety days for final resolution.
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. Please contact us if you have any questions, or if we may be of further assistance in any way.
Sincerely,
Complaints *************************************************************** Box 826
****************************
******************************************************************Initial Complaint
Date:06/16/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I purchased a vanilla **** gift card of $500, when it was going to be used, for some reason the card went on hold. They had me submit all the documentation to the email in which I sent all documentation last week. They told me to check back 24hrs after submitting that documentation. I did and they said they hadnt received my documents and to call back the next day. I called the next day and it was the same thing. So I called the next day and they told me the same thing but to call back on Monday. I call on Monday and they decided to tell me that because I purchased the discard from *******, that ******* is supposed to give me the refund. I have spoke to 2 different people through ******* and they said that the vanilla **** card company is supposed to give me the refund and and that ******* DOES NOT give the refund and to call vanilla **** because they are the ones to give the refund . I know vanilla **** is lying because a few months back I had a card go on hold (that was purchased through *******) and they sent me a check to my house with no issues. I just want a refund ! I am out of $500 ! This company is literally a scam ! Do not buy giftcards from them .Business Response
Date: 07/16/2025
July 16, 2025
Mr. ***** *******
Better Business Bureau
**************************************************************************************
**********************
Re: Better Business Bureau Case # ******** - *** ********
Dear Mr. ****************** are writing in response to the concern reported by Ms. ******** regarding her ************ Gift Card. We appreciate these matters being brought to our attention.
We have reviewed the card account in question and found that Ms. ******** experienced declined transactions due to insufficient funds because the amount charged was greater than the available balance. When she contacted us on June 11, 2025, she requested a refund for the remaining balance and a case was created. As standard procedure, we requested documents to establish ownership of the anonymous gift card. The documents were received, and a refund check in the amount of $500.00 was processed on June *******, via ****. If Ms. ******** has not received this check, we ask that she please contact us at the email provided below.
Additionally, please know that all calls are recorded for quality assurance. We are reviewing Ms. ********* interactions with customer ********************** and if her calls were not handled with the appropriate level of care and accuracy, we will take corrective action to ensure better future results.
We truly value our cardholders and want them to have a pleasant experience with the product.We sincerely apologize for any inconvenience this matter has caused. Please contact us if you have any questions, or if we may be of further assistance in any way.
Sincerely,
Complaints Research Team
InComm Financial Services, Inc.
Post Office Box 826
****************************
******************************************************************Initial Complaint
Date:06/12/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Better Business Bureau:
I have reviewed the response made by incomm in reference to complaint ID ********, and find that this resolution is satisfactory to me.
locked or placed on hold, and I was again denied access to the remaining funds. Customer ********************** similarly asked for full card details and offered no solution.Overall Complaint:Both cards are operated by InComm Financial Services, a company that is the subject of numerous consumer complaints, a class action lawsuit (***** v. InComm Financial Services, Case No. 5:23-cv-04687), and ongoing scrutiny for fraudulent or anti-consumer practices.I filed complaints with the Consumer Financial ***************** and the Texas Attorney General, as I believe these practices constitute consumer fraud. I am requesting the full reimbursement of the card balances and associated fees, and urge the BBB to investigate the business practices of InComm and its affiliated prepaid card brands.
Sincerely,
******* ********Business Response
Date: 06/19/2025
June 19, 2025
Mr. ***** *******
Better Business Bureau
****************************************************************************************
**********************
Re: Case No. ******** - ******* ********
Dear Mr. ****************** are writing in response to the concern reported by Mr. ******** regarding his *********** Gift Card. We appreciate these matters being brought to our attention.
After researching this inquiry, we found that Mr. ******** filed a Consumer Financial ***************** complaint on June 11, 2025. We responded with the below:
Please know that we have enhanced security measures in place for the safety and security of our cardholdersfunds. We have reviewed the card account in question and found that the attempted transaction with the merchant ***************** was declined due to the card being potentially compromised. As a result, the card was placed on hold to protect the funds, which caused subsequent transactions to be declined.We sincerely apologize for any inconvenience this may have caused.
After a thorough review, we did not locate any signs of fraud on the account. Due to this, we activated Mr.Carlisles card. Our records indicate that he has depleted the remaining 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. Please contact us if you have any questions, or if we may be of further assistance in any way.
Sincerely,
Complaints Research Team
InComm Financial Services, Inc.
Post Office Box 826
*****************************
******************************************************************Initial Complaint
Date:06/10/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was a member of ************************, and was issued a prepaid **** card for the amount of $445 as part of the program. I never received the physical card, and was provided the card information by encrypted email from ************************. When I went to use the card, it declined. I called the provider, *******, who informed there were two charges on the card from 10/21/2024 for $406.53, and for $38.47. I filed a dispute on 10/28/2024. The dispute team replied to my case on 1/23/2025 informing that the dispute was denied and the case closed. I replied on 2/3/2025 due to a delay in seeing their response, and informed them I wasn't satisfied with the outcome of the dispute, and again reiterated that I did not make these transactions - they are fraudulent. As of 6/10/2025 I have not heard back regarding my case. I believe the dispute was wrongfully closed, and I am seeking the refund of the $445 the card was initially issued for.Business Response
Date: 07/09/2025
July 9, 2025
Mr. ***** *******
Better Business Bureau
**************************************************************************************
**********************
Re: Case no. ******** - **** ******-********
Dear Mr. ****************** are writing in response to the concern reported by **** ******-******** regarding their **** eReward Card. We appreciate these matters being brought to our attention.
We have reviewed **** ******-Clennells dispute handling and found that the case was denied correctly. We are only able to refund any amounts recovered from the merchant and in this instance, we are unable to recover the disputed funds. However, we place a great deal of importance on customer satisfaction and want to be sure our customers have a positive experience with our product. Due to the delay in responding to **** ******-Clennells follow up email, we have overturned the denial. The Healthcare Provider will be issuing a replacement eReward Card via email for the amount of $445.00. We ask that they please allow ***** days for receipt,and we communicated this information to them via email.
We sincerely apologize for any inconvenience this matter has caused. Please contact us if you have any questions, or if we may be of further assistance in any way.
Sincerely,
Complaints Research Team
InComm Financial Services, Inc.
Post Office Box 826
*****************************
******************************************************************Initial Complaint
Date:06/09/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I purchased a $100 **** prepaid gift card branded Consumed (by InComm) at a ****** store. When I opened the packaging, I discovered the security code and part of the card number were already scratched off indicating it had been tampered with before I bought *************** refused to refund or replace the card, stating that once activated, they are no longer responsible even though the card was clearly compromised before I ever used it. I then contacted InComm, who opened a case for me (#********), but said it could take several weeks to investigate and issue a replacement.This is my only access to money for food at work, and I explained this is an urgent financial hardship. I am being forced to wait while my funds are held, even though I did nothing wrong and the product was faulty from the start.I am requesting InComm to expedite the replacement of my prepaid card or issue a refund check immediately. I have already provided the required documents (photos of the card, packaging, and receipt). This situation is causing undue hardship, and I need a resolution as soon as possible.Business Response
Date: 07/07/2025
July 7, 2025
Mr. ***** *******
Better Business Bureau
****************************************************************************************
**********************
Re: Case No. ******** - **** *****
Dear Mr. ****************** are writing in response to the concern reported by **** ***** regarding their *********** Gift Card. We appreciate these matters being brought to our attention.
**** ***** initially opened a case via our cardholder website on June 9, 2025, for a damaged Gift Card. After a thorough review of the card account and evaluation of the evidence provided, we found that unfortunately, **** ***** was a victim of a form of fraud known as package tampering. This means that their card was fraudulently compromised prior to activation. Our fraud team continues to investigate this issue. The case has been finalized in their favor and a replacement card of $100.00 has been expedited to **** ***** via ***** tracking no. 8819 8226 4419. Our records indicate that the card was delivered on June 13, 2025.
We place a great deal of importance on customer satisfaction and want to be sure our customers have a positive experience with our product. We sincerely apologize for any inconvenience this may have caused. Please call if you have any questions, or if we may be of further assistance in any way.
Sincerely,
Complaints Research Team
InComm Financial Services, Inc.
Post Office Box 826
****************************
******************************************************************Initial Complaint
Date:06/08/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
******* ******sponse. I called on 06/05, and spoke with a supervisor only to find out that now I have to wait up to 30 days because I was misinformed by the first ***resentative, but, she opened a new reference# for the second $500.00 (the one that was attempted on 05/25) because that one was never attached to the first reference#. All the while, Im still without a cell phone and close to being put in collections with T-Mobile.Business Response
Date: 07/07/2025
July 7, 2025
Mr. ***** *******
Better Business Bureau
**************************************************************************************
**********************
Re: Better Business Bureau Case # ******** - ******* ******
Dear Mr. ****************** are writing in response to the concern reported by Ms. ****** regarding her MasterCard Gift Cards. We appreciate these matters being brought to our attention.
After researching this inquiry, we found that Ms. ****** filed a Consumer Financial ***************** complaint on June 8, 2025. We responded with the below:
Please know that our top priority is protecting our cardholders funds. We have reviewed the card accounts in question and found that the attempted transactions with the merchant T-MOBILE were declined because the cards were potentially ************** a result, the cards were placed on hold in order to protect the funds.
When Ms. ****** initially contacted us, a case was opened, and as standard procedure documents were requested to aid in our investigation. The documents were received, and the case was finalized in her favor. We regret the case was not resolved timely. We are reviewing the handling of the case and will be sure to appropriately address any opportunities found. The gift cards in Ms. ****** possession were reactivated, and our records show she has successfully depleted the funds.
We truly value our cardholders and want them to have a pleasant experience with the product.We sincerely apologize for any inconvenience this matter has caused. Please contact us if you have any questions, or if we may be of further assistance in any way.
Sincerely,
Complaints Research Team
InComm Financial Services, Inc.
Post Office Box 826
****************************
******************************************************************
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