Terry Caliendo

ON December 19, 2017

The Walmart Gift Card Fraud Scam that Walmart Doesn't Care to Fix (Store 9115 RD)

POSTED IN:

Receiving Walmart Gift Cards for $1,500

My wife runs a local non-profit, Foster Kinship, that helps kids and their families.  Recently another non-profit purchased three $500 gift cards from a local Walmart store for a total of $1,500.  They gave the gift cards to Foster Kinship to purchase gifts for 50 kids as Christmas presents.

Very excited to get the gifts for the kids, my wife went to Walmart the day she received the gift cards (two days after purchase).  She loaded up three shopping carts full of toys and got in line to purchase the toys with her freshly donated gift cards.

But when she presented the cards to the checkout person, her joy turned to shock.

Walmart Gift Cards were Already Fraudulently Used

The cards had already been used.  All three cards were completely and perfectly emptied out without even a penny left.  She'd been completely robbed!

What Happened to the Walmart Gift Card Balances?

Panicking, my wife asked to talk to a manager to try to figure out what was happening to her.  This was a nightmare!

The manager printed out a couple receipts showing basic information of the transactions on the cards.

Walmart receipts showing gift card fraud at store 9115 RD

The three cards were each filled on December 7th, 2017 with $500 at store "5070 AC" which is located at 5200 S Fort Apache Rd, Las Vegas, NV 89148.  Then they were all completely spent, to the penny, the next morning at store "9115 RD", which I'm guessing is Walmart.com.

My wife argued with the store manager, telling him she did not spend this money and it was fraud.  The money was meant to buy Chistmas gifts for kids!  Needy kids!

The manager continually insisted there was nothing he could do.  The store she was purchasing the toys from was not where the cards were purchased, so the manager told my wife to go to the store the cards were purchased at with the original receipt to see if the manager at that store could do anything.

Really he was blowing her off.

Trying the 800 Number on the Walmart Gift Card

Regardless, my wife called the person at the non-profit that originally purchased the gift cards who subsequently went over to the other store and talked to the manager.  The manager there said he could do nothing.  He said it's a typical scam and Walmart doesn't care to fix it because they have fraud insurance.

So my wife turned to calling the 800 number on the gift cards.  One of the options is to press #2 if you want to"report your gift card lost or stolen".  When pressed, there's a recorded voice that says, "If you are calling to report your gift card lost or stolen, please refer to "Walmart gift card terms and conditions" on Walmart.com.

Walmart's Gift Card Terms and Conditions

Doing a quick search will land you on the "Walmart Gift Card Terms and Conditions" page.  There you'll be absolutely amazed to see that they will not replace lost or stolen cards.

Lost or Stolen Gift Card. Lost or stolen cards will not be replaced. Neither Wal-Mart.com USA, LLC nor Wal-Mart Stores Arkansas, LLC shall have liability to you for (i) lost or stolen Walmart Gift Cards or (ii) use of any Walmart Gift Cards by third parties through your Walmart.com account. You are solely responsible for keeping the password for your Walmart.com account safe and for any activity conducted under your account.

There is nothing on the page about what to do if the card is fraudulently used, but I'm guessing Walmart categorizes that under the "stolen" category.  Though the cards weren't stolen, the information was stolen and used to make purchases.

Now I'm guessing that most people that fall victim to fraud on their gift card don't do much fighting for it because it's probably a smaller amount.  I'd guess the gift cards are usually filled with $10 - $50 dollars.  So whomever is the victim of this fraud likely tries for a little while to get their money back before giving up.  It's probably not worth the hassle for many.

My wife, fighting for $1,500 to be spent on 50 of her kids, was not about to give up!

Contacting the Local News

We contacted all the local news agencies.  It was a bomb of a story!  I pictured it reading, "$1,500 in Walmart gift cards, meant to buy toys for kids, fraudulently stolen from local non-profit; Walmart doesn't care".

The headline needed to be cleaned up, but you get the idea.  It had bite.  Presents stolen from needy kids and a big corporate entity not caring.

Two local news programs jumped on the story and interviewed my wife.  Doing their diligence for the story, both news agencies contacted Walmart corporate.

This is what we needed... corporate to see there might be bad press which is not good for their brand.

And react Walmart corporate did.  They refunded the money by giving us new un-tampered gift cards.

The news usually drops their stories from their websites after a while but here are the local news stories:

The bottom link above has to videos.  See the icons below the video player to play the original news segment.

Making National News

The story was even picked up by national news on the NBC Nightly News with Lester Holt:

We got a bit lucky in that we are trying to do a good thing and the press was willing to help.  But just know that Walmart does not have a process or solution for everyone else who's gift cards are fraudulently used.

If you want to see how many people are getting screwed by this scam, do a quick Google search for "walmart gift card scam 9115 RD"

I'm guessing that what it would cost to combat the fraud problem would cost Walmart more than is lost in fraud.  And really, they don't lose anything because they aren't refunding the typical cases of fraud.  They are just ignoring it.

How the Store-Bought Walmart Gift Card Fraud Scam Works

Now, I'm betting you are probably wondering how the fraud scam works.  And here is what I've discovered.

Below is a picture of one of the gift cards that were fraudulently used.

Walmart gift card with fraudulent scratch off strip used in scam 9115 RD

Besides the numbers I blacked out, do you see anything funny?

Look closely at the scratch away strip.  See it yet?  Not only is it quite crooked, there's a line of tape around the scratch off area.  Here's a close up with some arrows:

walmart gift card showing fraudulent scratch off strip

I hadn't see the cards until my wife got home after the whole situation, but as soon as I looked at the strips, I knew something was funny.

These cards are produced by machines by the thousands.  Machines usually don't put stickers on slightly crooked.  Plus, I've never noticed the tape line around a scratch off before and thought to myself, I doubt these scratch off things are ever taped on; I'd think there's a machine that directly prints the scratch-off coating on the card.

It turns out I was right.  Here is a picture of a legitimate gift card's scratch off strip.

legitimate Walmart gift card with untampered scratch off strip

There's no tape around the scratch off area and it's only a tiny bit crooked.

Here is a picture of a card that has the original scratch off (left) and one that has been scratched and replaced with a taped-on tamper strip (right).

walmart tampered gift card vs untampered

So here is how I think the scam plays out.

The gift cards are just hanging on a rack in the main area of the store available for anyone to grab.  The gift cards are not activated, so Walmart doesn't care if you steal a few.  They can't be used in that condition.

But the scammers are smarter than this situation.  The scammer grabs a bunch of cards and either goes to the bathroom or takes them home to work on them.  The scammer does some work to get the cards out of the package and write down the card number.

Then they scratch off the scratch-off area and write down the pin number.

Next the scammer puts a new, taped-on, scratch off area over  the pin number.  Yes, this is real, it's easy to purchase Security Tamper Evident Scratch Off Labels Stickers for a few bucks on Amazon.

Security Tamper Strips used in Walmart gift card fraud scam

To the typical purchaser, the scratch off looks perfectly fine, like it's never been scratched off. It doesn't even matter if it's crooked, because the common purchaser doesn't know what they are looking at.  I even showed people the cards with the taped on scratchers, told them about the taped area, that it was crooked, and they still couldn't readily see the issue; they really had to stare at it.

Finally the scammer puts the card back in the casing and puts it back on the front of the rack.

Then they go home and simply continually check the card balance either online or through the 800 number.  Walmart probably sells tons of gift cards every day, especially around the Holiday season, so it probably doesn't take long for the card to be purchased and funded.

As soon as the scammer sees money on the card, they head to Walmart.com and make purchases using the card number and pin number.

I'm guessing they ship the items to an unsuspecting address.  Probably they find a house that someone only lives in part of the year.  Or maybe an old guy that never leaves his house.

The scammer can track the package and head over to the house and just grab it off the stoop once it's delivered; likely able to set up accounts to receive texts as soon as the package is delivered.

Nobody at the house complains, because they weren't expecting the package.  The scammer could probably even put a name on the package that doesn't match the name of the people at the house (it will still get delivered) and if anyone questions them, they can just say it was their package and it was delivered to the wrong address.

Or maybe they just deliver the stuff to their own homes.  Since Walmart isn't even looking into this scam and doesn't care about it, they can probably do just that and not get caught.

If Walmart really wanted to investigate, I believe they easily could.  There has to be record of the ip address that was used to make the purchase with the stolen numbers.  That ip could be traced (ip addresses are like house street addresses for computers).  If the scammer was really careful, they may have purchased from an IP address at a place with open WiFi (ie Starbucks), but this scam is so simple and since the scammers are getting away with it, I'd bet the scammers aren't being that careful.

Or Walmart could pay attention to the stores where this is happening most and put security cameras on the gift card section and catch the person who slips the cards on and off.  There's no crime there, but Walmart could activate the cards and trace the whole interaction that takes place afterwords back to the perpetrator.  That's just a few ideas off the top of my head.  I'm sure a good security expert could come up with many other ways to trace the scam to a scammer.

How to Protect Yourself from the Walmart Gift Card Scam

First, realize that  although these gift cards look like credit cards, they are not credit cards, and therefore they do not have the protections of a typical credit card!

This fraudulent scam is obviously one where someone else was able to get a hold of the card.  So now that you know about it, you can check the pin scratch off strip to see if it looks funny if buying a card that is not locked up in a case somewhere.

But really, the lesson here is don't buy gift cards off the rack.  It's probably safe to buy them online.

I'd think biggest protection would be not to buy the gift cards with cash. Buy gift cards with your credit card, such that you have recourse with a company that is not the vendor of the gift card should something go wrong.  I haven't verified it, but I'm betting you can tell your credit card company that there was fraud on something that you purchased with their card and they will give you your money back (credit card companies want you to feel safe using their cards, because they want you to use them as much as possible).

This is probably where Walmart's fraud insurance kicks in.  Walmart would get what's called a "charge back" from the credit card company which returns the money to you, the purchaser.  Then Walmart's insurance kicks in to cover the loss.  Or the losses are so small relative to their gargantuan revenues that they just don't care about the small losses.

Incidentally, one story that ran just before my wife's stories was about how an Amazon customer had their package stolen right off their front porch and amazon immediately refunded their purchase without question.  So maybe try buying Amazon Gift Card online as they at least have a nicely posted policy that isn't blatantly saying they don't care: Amazon Gift Card Policy on Lost or Stolen Gift Cards.

Personally, I predict sometime in the not-too-distant future there will be a class action law suit against Walmart (and possibly other companies; as the whole gift card thing may be handled through a 3rd party service) that are ignoring this type of fraud.   People are getting screwed and Walmart is looking the other way while profiting from it.

24 comments on “The Walmart Gift Card Fraud Scam that Walmart Doesn't Care to Fix (Store 9115 RD)”

  1. This happen to me. My job gave me a gift card for Christmas. When I returned to my job after the holiday I found the gift card on my desk under my notepad. When I checked the balanced it said $0.00. I thought it was a joke but when I checked the transactions it said the money on it was already spent.
    I checked our office alarm system to make sure who came in and out of the office. The only person who came in that day was me.

    My boss and I contacted Walmart 1st we got a print out of the transaction history. It showed it was spent at store 9115. They told us that was an online transaction and to call the number in back of the card. Which I had already done so a few time, again thinking it was a joke. The number on back of the card is just an automated system. No live person to speak to.

    So I called our local Walmart again and spoke to about 5 people .
    Conclusion: There was nothing they could do. They are not responsible for lost or stolen gift cards.

    1. I'm sorry it happened to you. Thanks for sharing your story. It would be great if this article got enough attention that Walmart would fix this problem or do a better job of distinguishing between Lost/Stolen vs Fraud such that there's recourse for legitimate people that have been wronged.

  2. We got hit with this as well. My wife purchased 4 cards for a total of $1,200, two for $100, and two for $500. Only one of the $500 gift cards actually had a balance when received by the gift recipients. So your suspicion of lower dollar amounts does not apply to all. Although, I have to admit that my wife relayed the story that the folks at the counter were surprised at the dollar amounts at the time of purchase, and did limit the amounts to $500 maximum.

    Once we received the cards back, I took them to the local store and had them swiped for the transaction history, and they all showed the store number 9115 as yours did. We are located in Folsom, CA. We have been through the same revolving doors, call the number, go to the store multiple times, and we got the same message we aren't responsible, contact Walmart.com of call the number on the card.

    Since my wife used an ATM/Debit card I filed a claim with our bank, I am waiting to see how that pans out. I also filed a claim with the Consumer Financial Protection Bureau, Walmart responded that they are not the appropriate company to manage this claim, so the issue remains open on that end with a follow left to the CFP.

    What an expensive lesson to learn, we end up spending $1,400 (twice as much as planned) as we have sent replacement money to all of the gift recipients that received the zero balance, of course that was in the form of a check. No more gift cards being purchased in our future.

    I have thought about our local news media, they have an investigative reporter by the name of Curtis, his segment is "Call Curtis"...

    1. Hi Mark,
      I'm sorry this also happened to you and for such big amounts.

      I'm guessing that the gift cards are handled by a 3rd party and that's why Walmart was able to respond that they are not the appropriate company.

      Please keep me updated on how your bank handles your request as well as any other information you may discover.

      Terry

  3. Got me too! Just found out today, recipient went to use card and balance was zero. Same thing, the store clerk printed out a slip referencing ‘9115’. I immediately went to store card was purchased and was told, after seeing receipt and ‘9115’, it was fraud. They can’t do anything and said for me to contact local police department and file a fraud report. No, I’m not going through this as they have more important things to do and will not put any attention to tracking down scammers! Ironically, the store where these $500 gift cards were purchased, mine was purchased there also! I WILL NEVER PURCHASE ANOTHER WALMART GIFT CARD! They’re aware of scam and do nothing about it? The local news stations need to ‘plaster’ this information all over their airwaves! Unfortunately, I purchased this card with cash; otherwise I would refuse to pay credit card. Someone, please get this vital information out to innocent, potential victims!

    1. Hi Dennis, thanks for sharing your story. It's mind boggling that they aren't doing anything about this issue. Maybe someday there will be some form of redemption and whomever (class action suit) can get names of affected people from here!

      I'm glad you documented your story. Amazing that it happened at the same location, which just shows they aren't doing anything to solve the problem.

      The most difficult part is getting this information to people before they have the problem. Nobody searches for the scam until it happens to them. We appreciated the news doing a story, but it pretty much died from there as far as tv goes.

      I do have a facebook page that you can share the story with your friends on facebook. Twitter. Or just post the link url from above in your browser and pasted it into a post.

      https://www.facebook.com/Terry-Caliendos-Blog-806783529482751/
      https://twitter.com/terrycaliendo

  4. Got me also ! I checked with AMEX to see if their "Purchase Protection" benefit covered this type of loss. The fine print states in the Purchases Not Covered terms: # 3. travelers checks, tickets of any kind, negotiable instruments (including but not limited to gift certificates,
    gift cards and gift checks), cash or its equivalent, rare stamps or coins;

    AMEX has always been top notch in customer service so I doubt any of the other credit card companies will reimburse the consumer for these fraudulent purchases with gift cards.
    I paid cash so I can't attempt to file a purchases protection claim.

    When I went to the store to inquire about what they could do and I got the same answers as everyone else..."we aren't going to do anything, call 1-800-walmart". I wanted to help a friend out and ended up I need help getting my money back. I wonder if buying a gift card online is any safer.

    I'm still thinking about calling the local news channel, this can't be happening to only a few of us!

    1. Hi Debra. I'm sorry it happened to you as well.

      I don't believe its happening to just a few people either... I'm getting a lot of action on this blog post and I'd venture to say the people doing research on the internet are only a fraction of the people it's happening to.

      Thanks for sharing your story. Maybe someday if we get enough comments/names on here someone will take notice.

  5. Hi! I was just scammed from an E-gift card. Went to use it and said I had 3 cents on it. The manager printed out the transaction and it came from 9115. I looked on my Wal-Mart account and they bought a laptop and it was shipped to FL. I don't even live in FL. Wal-Mart needs to take these scams alot more serious.

    1. Hi Carey - I'm sorry to hear. Having a problem with an E-gift card issue is a new issue I havn't yet heard... Did you purchase the e-gift card? I'd be curious how it was tied to your wal-mart account if someone else bought it? I'm also curious how the fraudulent person ordered through your account as I'd think beyond the e-gift card they would have needed to log into your account to order through your account (I'd suggest changing your password asap).

      Any further information you can provide will be helpful to others.

      1. I replied to the original lady but I'm not sure if you will see it so I just wanted to add some information that may or may not be helpful in regards to her post about her ecard issue as well for you with future gift card purchases.

        I know there are a lot of 3rd party websites that buy and sell gift cards, usually offering a small discount. On some of these sites, the buyer may not even realize they were purchasing it from a site that also buys them like that. I have (successfully) used these myself to do both buy and sell. I also know that occasionally there are issues where the original seller does some trickery/scamming. For example, the seller retains the gift card info, sells it to one of these sites, and then uses the gift card. Then the 3rd party site resells the gift card only to realize it's already been used. Now these 3rd party sites do validate the balance on the card when they initially get it. They probably aslo validate it before they resell too. But there's nothing they can do to stop the original owner from using that gift card in the future.

        HOWEVER, what all these reputable 3rd party sellers WILL do is refund you. (Which, as it stands now, Walmart does not do) One of these sites I'm most familiar with that offers a refund is raise.com. They offer a 1 year money back guarantee if your card ends up not working, having a 0 balance or a balance different than what you purchased and things like that.

    2. I see you wrote this a month ago so hopefully you've resolved this by now but I did you by any chance get this from some sort of 3rd party and not directly from walmart.com?

      I know there are lots of websites that buy and sell gift cards, usually offering a small discount. You may not even have realized you were purchasing it from a site that also buys them like that. I have used these myself to do both buy and sell. I also know that occasionally there are issues where the original seller does some trickery/scamming. For example, the seller retains the gift card info, sells it to one of these sites, and then uses the gift card. Then the 3rd party site sells someone like you the gift card only to realize it's already been used. Now these 3rd party sites do validate the balance on the card when they initially get it. They probably validate it before they sell too. But there's nothing they can do to stop the original owner from using that gift card in the future.

      What all these reputable 3rd party sellers WILL do is refund you. (Which as it stands now, Walmart does not do) One of these sites I'm referring to raise.com, which has a 1 year money back guarantee.

      1. It was a product replacement from Wal-Mart. I got the e gift card thru assurion. I did contact Wal-Mart as someone did hack into my Wal-Mart account and changed everything. The gal transferred me to corporate and I was refunded by my surprise. They also closed my old account as my bank card was attached to it. So I had to create a new account for Wal-Mart. But yea I did get my money back!!

        1. Thanks for following up. Yeah... so your issue was more tied to fraud on your Walmart.com account as opposed to an in-store gift card fraud scam.

          I'm glad you got your money back!

    3. not gonna happen been like this fie yeeeeaaars you think this is new? hahaha what happens when you give people the internet these writings and blogs hahahhaah

  6. My story is a bit different. My husband won a t.v. at his company Christmas party. Got it home, plugged it in, and it was damaged. So we contacted the company and they happily sent a picture of the receipt of purchase. I took the television back to Wal-Mart with receipt I had printed out. The lady at customer service then told me the balance of $362 would be placed on a gift card. She then scanned a card and I was satisfied. A week later my family all went to Wal-Mart to buy our new t.v.! We were all excited because my t.v. of 11 years had blown out and we've been watching a 19" for months! Well they swipe the card and said it was $0 balance. I flip out and ask for their store manager, the name of general manager, corporate numbers. This all started on December 20th 2017. I have since spoke to numerous people at the 800 number, emailed corporate, emailed their Cg department,spoke to managers at stores location,spoke to loss prevention manager. Finally loss prevention manager has found video tape and pictures of the people who used the stolen card number! I then file a police report and wait for loss prevention to give me the good news that I can get a store credit for the money that was proven to be stolen. Right? Well I wait and no phone call...... I call him to see what is going on? He tells me that unfortunately the store manager in Hesperia, ca, can not authorize anything over $100. He will have to now get permission from "corporate" and unfortunately there is no guarantee they will give it to me. And if they do not approve it that I can call the 800 number. What a joke! This has been the WORST customer service I have ever experienced. 38 days of calling and writing and waiting for answers.

    1. Wow... I'm sorry this happened to you as well.

      When you took the tv back and they put the credit on a gift card, did she grab the card off of the rack?

      I'm amazed the loss prevention manage could find video of the people that used the card. Was the video of them taking the card on and off the shelf to do the scam I describe in this post? Or did they somehow get a hold of your actual card after it was activated? ... I'm a bit confused on this part of your story.

      1. From the transaction print out they gave me, they were able to pin point the store the thefts fiscally used it at. They then went through their transactions for the day and were able to find video of them going inside the store and using a card with the same numbers as mine. The next day these people reloaded the card and made a 9115 purchase. Both transactions they did were the same exact dollar amount my card was for. Down to the penny. But still Wal-Marts store manager said he couldn't do anything for me. At least that is what I've been told by his employee's, but never by him.

  7. This just happened to me - my wife and I got a total of $2500 in gift cards from Sam's Club in March. 2 weeks ago, when trying to use one of the cards at a local Walmart we were told there's no balance on it. Took them a while but they eventually printed a transaction history showing the balance ($790) was used up in a Walmart in Texas (Store 0400).

    I went home to grab the 2 other gift cards ($750 each) to make sure the same thing hasn't happened but sure enough, the transaction history print-outs from Sam's Club show they were both used up in Texas (Store 0400 and 3213).

    The Walmart associate advised me to call the # at the back of the card but it was a total waste of time - like somebody here mentioned earlier.

    I also found out that my Walmart.com account was hacked and all 3 of the above mentioned gift cards were saved on it. I imagine the hacker/thief must have retrieved the gift cards information from the account and somehow used them in-store - probably by fabricating a magnetic stripe card with the details.

    I initiated a chat on Walmart.com hoping to get somebody who can look into it, and a week later I was directed to Stores/Customers Relation who then directed me to submit the fraudulent-use case to the Gift Card team. Another week later, today, the gift card team wrote back saying there's nothing they can do and advised me to dispute the original charge with my financial institution, and I did just that with Discover.

    Walmart seems to have upgraded Walmart.com and the security since (I was locked out of my account when trying to log into it from my wife's phone) and that's nice, but they don't seem to care much for the fraudulent activities that's already happened, despite knowing their website/system was flawed.

  8. The purpose of my adding my "2 Cents" to your post is that I'd like to see someone do the deep research into these crimes. I'm including information that could help them do that.

    I'm glad I found this post about fraudulently redeemed Walmart cards. I'm also very glad that your plight has been picked-up by news media. That really helps. So does your website's post about your experience and suspicions of how the fraud may have happened.

    #1 I would like to request that owner & moderator Terry Caliendo please leave the links I'm including in this post. It is my sincere hope that people doing research (class action lawyers, etc.) may be able to use OUR stories to find the solution to this ongoing fraud with ALL cash loaded gift cards. The links I'm including here may add another dimension to the search for stopping this ongoing financial devastation.

    What I know....

    Most of these money gift cards are created & managed by a company called, InComm/ITC Financial. The type of fraud Walmart customers have experienced is exactly what victims across the entire internet, as well as all brick & mortar customers are experiencing with these prepaid cards. The money is loaded, and without previously removing the silvering you discover your money is gone. Poof! Vanished. No recourse. The company informs you that YOU must have created an unsafe situation and YOU allowed this to happen. Too bad, so sad. Sucks to be you. Bye bye!

    InComm has their own re-loadable giftcards which has been plagued by the same thefts!

    Their Vanilla VISA card has a terrible reputation of being drained/frauded with no help offered their customers. The 2018 ToughNickel article, found here, spells out InComm's tactics:
    https://www.google.com/search?q=vanilla+gift+card+fraud&ie=utf-8&oe=utf-8&client=firefox-b-1

    If they can't keep their own customers funds safe, why would they do better with Walmart, or PayPal's funds ?

    A thumbnail sketch of InComm, written by Mike (ripped off for $1500):

    " InComm Holdings Inc has a subsidiary ITC Financial Licenses (ITCFL)
    which, as far as I know, is in a different location, quite small, and
    tightly coupled with InComm. They handle fraud research and disputes.
    The COO is Skeet Rolling who is also on the BBB Board of Directors for
    Atlanta. The team lead of his fraud investigation team is Jon Williams.
    This is the story of how they refused to investigate my fraud and how I
    investigated it myself and ultimately found that someone was embezzling
    money and identifying who it was." ~ Mike's story & findings:

    https://www.igobyplane.com/2016/01/22/paypal-my-cash-fraud-scam-embezzlement-resolved-how-i-caught-my-fraudster-when-incomm-refused-to-do-it/

    The difference with your situation is that Walmart has not listed on the card who the bank/company is that is managing the funds on their gift card accounts. My suspicion is that it is InComm. I would like to suggest that anyone who is serious about getting to the bottom of your money disappearing should research whether Walmart's account is managed by InComm.

    I'd love to do the research myself, to uncover how your Walmart giftcard funds are managed (my suspicion is InComm), but currently I do not have time. And besides, I've already done battle with InComm over money loaded onto 3 PayPal's giftcards. My money disappeared in the same exact way your Walmart money did, without the silvering being removed (appeared untouched). At first blush you may think our two problems are unrelated, but if InComm/ITC Financial is involved, I'm certain we're all dealing with the same loopholes that allow theft from all giftcards.

    Finally, this type of fraud is difficult for companies like Walmart, PayPal & all those merchant cards you can buy at the checkout line. Here's an article written for those businesses:
    https://chargebacks911.com/digital-gift-cards-balancing-risk-vs-reward/

    If anyone, lawyer, reporter or other sleuth, would like to question me further about what I've found, I'm most willing to help any way I can. I give site owner Terry permission to share my contact information (if there's a way to do that)

    I've documented my saga of the PayPal giftcard fraud here (I'm surprised PP has allowed my post to stay =)

    https://www.paypal-community.com/t5/About-Products-Archive/My-Cash-Card-500-Gone/m-p/994100#M8320

    It goes without saying that NONE of us will, or should, trust purchasing another gift card, but PLEASE save your friends, family, your kids friends, your work colleagues, church friends, anyone you care about NEVER BUY THIS TYPE OF GIFT CARD. It's better to be safe than sorry.

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