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Incomm: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 146
- Closed with money back
- 0%
- 2023 to 2025
- 35 to 31
Servicemembers filed 6.4% of Incomm's 2,265 complaints in the window, against 2.5% across the directory. The complaints are mostly about prepaid card, and the single most common issue is "Trouble using the card". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count fell from 35 in 2023 to 31 in 2025.
What the complaints are about
By product
| Prepaid card | 127 |
| Credit card or prepaid card | 18 |
| Checking or savings account | 1 |
By issue
| Trouble using the card | 110 |
| Problem with a purchase or transfer | 18 |
| Unexpected or other fees | 9 |
| Problem getting a card or closing an account | 8 |
| Managing an account | 1 |
| 2023: 35 | 2024: 80 | 2025: 31 |
Which accounts, specifically
| General-purpose prepaid card | 134 |
| Gift card | 49 |
| General-purpose credit card or charge card | 6 |
| Domestic (US) money transfer | 1 |
| Checking account | 1 |
What went wrong, specifically
| Trouble using the card to spend money in a store or online | 130 |
| Trouble getting a working replacement card | 11 |
| Charged for a purchase or transfer you did not make with the card | 11 |
| Trouble getting information about the card | 10 |
| Card company isn't resolving a dispute about a purchase or transfer | 9 |
Busiest month: February 2024, with 13 servicemember complaints. Most were submitted by web.
Most complaints came from MS (19), CA (18), TX (16) , then NY, FL, CT.
How Incomm answered
| Closed with explanation | 146 | 100% |
Incomm responded within the CFPB's 15-day window on 71% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Prepaid card; Trouble using the card. FL, 2024-08-28. Outcome: Closed with explanation. Complaint 9942229
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Prepaid card; Unexpected or other fees. IA, 2024-08-25. Outcome: Closed with explanation. Complaint 9921047
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Prepaid card; Trouble using the card. NY, 2024-08-22. Outcome: Closed with explanation. Complaint 9873749
If this is your problem at Incomm
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with other products peers
- Fiserv Finxact Core 130 servicemember complaints; 1% with money back
- Comerica 172 servicemember complaints; 29% with money back
- Conduent 40 servicemember complaints; 0 with money back
- Adp 39 servicemember complaints; 0 with money back
- Blackhawk Network 38 servicemember complaints; 0 with money back
Next in the directory by volume: Paramount Gr, Netspend, Nissan Motor Acceptance.
Frequently asked questions
How many complaints did servicemembers file against Incomm?
146 complaints tagged servicemember were received by the CFPB about Incomm Holdings Inc. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count fell from 35 in 2023 to 31 in 2025.
What do servicemembers complain about most at Incomm?
Prepaid card accounts for 127 of the 146 complaints, and the most common issue is "Trouble using the card" (110). Next: "Problem with a purchase or transfer" (18).
Does Incomm give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 0 closed with non-monetary relief and 146 closed with an explanation only. Incomm answered 71% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.