Vanilla Reload Card Fraud Alert
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Hilary Stockton

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On Flyertalk there's a report of Vanilla Reload Card fraud by The Mileage Millionaire:

'I won't go into all of the details right now, as my case is still pending, but you should make sure that your VR card has a 10-digit PIN before buying. There are fraudulent cards being sold, at least at one CVS store in Atlanta. 

In my case, the funds loaded to the card and were withdrawn by someone else a couple hours after purchase. Even if I had wanted to immediately deposit the funds to my [AMEX] Bluebird account, I couldn't have, since my cards were missing the last 4 digits of the PINs.

Clearly, this is an inside job by someone(s) at VR Network or one of their vendors. I'm certain that there will be more reports of this coming soon here and/or on the blogs."


He had purchased two $500 cards, so that's $1000 gone that he's awaiting a refund for.

Most other commenters tend to agree with him that it's most likely an inside job by someone working at InComm (which manufactures the Vanilla Reload cards)--someone who was able to obtain the full 10 digit number, and apparently either prevent the last 4 digits from being printed or somehow remove them, which meant that the purchaser couldn't load their Bluebird card at all after removing the silver magnetic tape.

Hopefully more details will come to light and InComm will refund the $1000 to The Mileage Millionaire soon, but in the meantime, here are some steps you may want to take if you're buying Vanilla Reload cards:

1. Only buy a few cards at a time at a given location, to mitigate the risk of purchasing a bad batch

2. Peel off the silver magnetic sticker right after purchasing (even in store) to ensure the entire 10 digit number is there

3. Load Vanilla Reload funds immediately via computer or smartphone onto your permanent card; don't let them lie around, since that increases the risk of loss, theft and fraud

4. Consider avoiding in and around Atlanta when purchasing Vanilla Reload cards. If this was indeed an inside job, there may be other bad batches in Atlanta, where InComm is headquartered.

5. Contact InComm and urge them to increase the security of Vanilla Reloads, for example by adding a purchaser-specific security feature to help prevent fraud

Have you had any problems with fraud for any Vanilla Reload cards you've purchased?

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User_avatar_default Jake D. commented 05 Apr 2013
The same thing happened to me TWICE this week from cards that I purchased from CVS in Atlanta (Roswell to be exact)!!! Two cards did not show the last 4 numbers after I scratched off the protective strip. I thought this was only a mistake and filed a dispute to Vanilla. After reading your article, I am worried that I may not get a refund. The next day I purchased 2 more cards. When I tried to load the money about 12 hours later, I received an error message that the card was already redeemed. This is a bigger concern since the appeared nothing wrong with these cards. I am filing another dispute, but I am wondering what Vanilla is doing to prevent this fraud. It clearly looks like an inside job!!! I think I am done with Vanilla!!
Avatar_60_hilary Hilary Stockton commented 05 Apr 2013
Jake, that's awful--I hope that InComm resolves this for you soon. At least in the case of the Flyertalk poster above, it did get resolved within a week, and he got back his $1000: I'd hoped that InComm would have fixed this by now, whether it was a manufacturing defect or inside job, but from your report it's still a problem, at least in the Atlanta area. Please let us know if InComm makes this right for you.
Picture?type=large Cindy L. commented 30 Nov 2013
My wife just purchased some cards last night (4 x $500) and 3 said they had been redeemed, but we had all the pin numbers. I called InComm after the first 2 and had the agent look at the numbers of the next 2. The 3rd one went through but the 4th one didn't. He actually looked at the number of the 4th and told me it was good, we then tried to load it to my Bluebird account and it said the number had already been redeemed. I am starting a dispute.
Avatar_60_hilary Hilary Stockton commented 30 Nov 2013
Ugh, that's awful--I hope InComm is able to resolve this for you soon. Very sorry to hear this is still happening with Vanilla Reload cards...
Picture?type=large Sarah T. commented 10 Feb 2014
This just happened to me! I am livid! I bought 4 $500 VR cards. Did not know that I could only load $1000 per day. So on the the 3rd card it wouldn't load so I called in to the customer service number on the back (InComm) and gave the customer service rep my pin number for that card like he asked me to. He said, "huh, I don't know what it's not loading. Maybe try it another day." So I did, and it was already REDEEMED! He obviously stole it. I have submitted a claim dispute and after a week and 5 phone calls, InComm said, "sorry, we aren't giving you your money back. File a police report." and hung up on me!!! We need to shut this company down. There are about 5 different ways that their employees are scamming people out of money. I feel like such an idiot for calling Customer Service and I shouldn't ever feel that way.
Picture?type=large John P. commented 19 Apr 2014
I had loaded $250 dollars on the my vanilla network card and they claim the money has been redeemed already when I tried to load my cash. Im in the process of filling out a request form to dispute this matter hopefully getting it resolved. No guarantee I will be refunded my money or not.
Picture?type=large Patrick I. commented 19 Oct 2014
Patrick B. Be on the lookout. Craigslist scammers are using this card by telling cardholders that an erroneous amount of dollars can be manipulated by something they do. They would then tell you to go and cash out this amount (whatever it is) and split it with them. This happened to a teenager who fell for the scam. Never give anyone the 10 digit card number on the back behind the coating. If they have that the time it was deposited..they can remove whatever that amount was.I should preface that they will introduce the scam..tell you to deposit a given amount..then tell you they will multiply that amount, and go pull out the cash and split with them. of course nothing will be there..because they have already removed your money..and are long gone.
Avatar_60_hilary Hilary Stockton commented 19 Oct 2014
Patrick, thanks for sharing this warning. As usual, if it sounds too good to be true, it probably is.
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