Originally Posted by
deant
Key points are the following:
1. A charge back is not a legitimate approach because the OP received the item he paid for. He paid for valid VR cards and received the cards. It would be easy for CVS to prove that the cards were valid by just getting a statement from Incomm that the cards were loaded.
2. Homeowner / car insurance normally has significant limits on cash that is stolen (believe the OP said that his HO insurance had a $200 limit. So going to the insurance company would, at best, get him / her $200 plus a possible raise in insurance rates.
The only possible approach is to beg CVS to help in calling Incomm and try to get the cards voided. However I would assume that once the cards were stolen, the thief would rapidly load the cards. Once this is done, there is probably no hope.
So basically the OP will need to "suck it up". Not for everyone else but because there are no other options.
I don't disagree with you, the difference is many others simply told the OP, you rolled the dice and lost due to not taking the proper precautions, thusly accept on yourself you did yourself in and don't kill it for everyone else. Im sure they feel bad for the OP but their main interest was getting the OP not to do anything that may end the game. I just don't think they would feel that way if it was them who made the blunder. Its very easy to make oneself a saint when its not our $$$ that are on the line
I simply hope that whoever took them didn't drain them so that if Incomm can establish they weren't unloaded that with CVs help the OP can get most if not all their money back. If they were unloaded then theres not much Incomm or CV can do, since the OP will have to prove w/o any doubt that it was 100% legit and unless they catch the party I just don't see a refund or anything being made.