One remains...
Troy and others who still have 4002 errors:
Incomm is saying that they'll resolve the issue for us. (Thank god - I was dreading dealing with CVS on this.)
I've faxed them a copy of the receipt and front and back of card. They're opening an error ticket on the complaint and said funds will be available in 3-5 days.
Overall, despite the problem, I'm impressed with Incomm. The two staff I've spoken with are helpful and professional.
Anita