I explained to them that it was a gift card, it could also would have been cash. Its just that the payment was split between the two payment methods, the total “liability” is still $ 190.
However , it all in vain, insurance simply denies to comprehend

@dangeruss - Thank you for the reply. I have already appealed to the insurance and appeal was denied . I will keep escalating as far as I can and see if it helps.
As far as your question “Also what kind of company reimburses $190 for glasses” :-My insurance thru my employer reimburses upto $250 for prescription glasses wherever I may buy them.

@dangeruss Hi DangeRuss , thank you for your reply . i did speak to the manager, but still no use.
Not sure how to escalate this.
About using costco rebate for the purchase, I see your point, but did not bother in this case as amount was small ($ 45), but thanks for the same nonetheless.

Hi,
I purchased eye glasses and frame at Costco for $ 190. While making the payment I used the costco credit card rebate check for $ 45 and paid remaining $ 145 using credit card.
I claimed $ 190 from my insurance company , and they reimbursed $ 145. They are denying to reimburse $ 45 as it was paid as store cash. This is not correct and my appeal to the claim has been denied. How can I appeal this any higher ? Any help will be appreciated.

@atikovi - Here is what happened.
He applied for a summer internship to his college. My son got email (s) from his college professor with professor name and college domain, so he never suspected. When all was evident to be a fraud, my son realized that college email software / network (or whatever…) was compromised. But to your point, there is no excuse for my son not to use common sense. looks like he has to swallow this bitter pill as growing pains - sad-.

@jtownsucks46 - I am still optimistic about police catching the criminal, and law taking its course. In any case, looks like my son should learn a very important and likely expensive lesson early on in his adult life. Hopefully he will learn. Thank you for your reply.

Hi my junior college going son is a victim of a fraud. Some one impersonated as his college professor , send him a check for $ 3950 and asked him to zelle the amount to couple of people. Once money was transferred via zelle, within couple of days the bank where the check was deposited , contacted my son saying the bank was not able to clear the check , my sons account balance is now negative and my son needs to pay the bank $ 3950. It is also going to charge $ 6 per day until this amount is paid and balance is brought back to zero or positive.
Meanwhile, banks fraud department is investigating , and the complaint has been filed with the local police.
I have heard these kinds of frauds before and wondering how does this end ?
Is it not banks responsibility to wait for the funds to be available until check is cleared ?
Shouldn’t bank take it to its insurance and get this covered ? (FDIC insured ?)
Does my son need to pay $ 3950- (which is a huge amount for a college going part time working person), or he can just wait out until bank / police investigation is completed ?
Any response is highly appreciated.