CFPB Consumer Complaint Profile

Incomm Holdings Inc.

3,156 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.

Data updated 2026-05-15

3,156
Total complaints
560
Last 12 months
77.2%
Timely response
54
States affected

The verdict

Among 3,848 financial companies tracked by CFPB complaint volume, Incomm Holdings Inc. sits at #151, with 3,156 complaints logged. 77.2% of its complaints get an on-time reply, falling short of the 93% median for the 100+ complaint peer group.

#151
of 3,848 companies by volume
77.2%
answered on time
Prepaid card
most-complained product
54
states with complaints
Incomm Holdings Inc. timely response rate 77.2%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Prepaid card - General-purpose prepaid card 1,385
Credit card or prepaid card - General-purpose prepaid card 673
Prepaid card - Gift card 537
Credit card or prepaid card - Gift card 313
Credit card or prepaid card - General-purpose credit card or charge card 70
Credit card - General-purpose credit card or charge card 59
Prepaid card - General purpose card 30
Prepaid card - Gift or merchant card 19
Checking or savings account - Checking account 17
Prepaid card - Mobile wallet 10

Top Issues

1.Trouble using the card 1,694
2.Problem with a purchase or transfer 658
3.Problem getting a card or closing an account 309
4.Unexpected or other fees 235
5.Trouble using your card 61
6.Problem with a purchase shown on your statement 43
7.Fraud or scam 26
8.Unauthorized transactions/trans. issues 23
9.Other features, terms, or problems 14
10.Managing, opening, or closing account 13

Complaints by Year

Year Complaints
2015 10
2016 40
2017 37
2018 18
2019 57
2020 85
2021 133
2022 394
2023 675
2024 1,004
2025 579
2026 124

Complaints by State (Top 15)

California 567
Texas 235
Florida 232
New York 224
New Jersey 146
Illinois 115
Massachusetts 106
Virginia 101
Pennsylvania 100
Ohio 98
North Carolina 76
Maryland 75
Washington 65
Georgia 60
Arizona 60

Company Responses

Closed with explanation 3,141
Closed with monetary relief 13
In progress 2

What the CFPB Complaint Record Shows for Incomm Holdings Inc.

Incomm Holdings Inc. carries 3,156 complaints in the CFPB's database, 560 of them filed within the past 12 months. Consumers spanning 54 states and territories have weighed in, giving this a nationwide footprint. The single largest complaint category is "Prepaid card," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Trouble using the card" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Incomm Holdings Inc.'s timely response rate stands at 77.2%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. The company's response was formally disputed in 20.3% of resolved cases, indicating how frequently the initial fix fell short. 0.4% of resolved complaints ended with some monetary or non-monetary relief for the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does Incomm Holdings Inc. have?

The CFPB has logged 3,156 complaints against Incomm Holdings Inc. to date, of which 560 came in over the last 12 months.

Does Incomm Holdings Inc. respond to complaints on time?

Incomm Holdings Inc. has a 77.2% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.

What product generates the most complaints for Incomm Holdings Inc.?

The most complained-about product for Incomm Holdings Inc. is "Prepaid card." You can view the full product breakdown on this page.

What is the most common complaint issue with Incomm Holdings Inc.?

The most common issue reported by consumers about Incomm Holdings Inc. is "Trouble using the card." All complaint issues are listed above with their counts.

How do I file a complaint against Incomm Holdings Inc.?

You can file a complaint against Incomm Holdings Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about Incomm Holdings Inc.?

Incomm Holdings Inc. has drawn CFPB complaints from 54 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.