U.S. Bancorp Prepaid Card Complaint

U.S. Bancorp Prepaid card department,

General purpose card Adding money Kansas

I have a pre-paid debit card through - issued by US Bank National Association out of -. - processed a refund in the amount of $490.00 on -/-/2016 at -. It immediately appeared as complete in my online account and mobile app balance. When I call the account information line it notes my available balance as $490.00. There is even a debit of $27.00 made on my account on -/-/2016 on - AFTER the credit leaving me with a balance of $490.00. Yet I can not use my card to make purchases or pay bills. I called the customer information line twice and was told both times that it can take 24-72 hours for a refund to appear on my account because they put a block on it to guard against fraud. This does n't happen if I return an item at - - the funds are instantly available and this is no different than any other electronic transaction. I asked when I would know when I could access those funds and I was told by both representatives that I should try to make a purchase and see if it will go through. so as I understand it I am supposed to take goods to a counter and present a card to see if I will suffer the embarrasment of it being declined jsut to see if my finds are available to me yet, even though everythig I see and hear tells me they are available. This is copied directly from my online statement : Card # - Balance $490.00 Rewards PointsUnavailable Last Login -/-/2016 - CST Card Information Card Activity Statement Change PIN Card to Card Transfer Recharge Your Card Mobile Alerts Direct Deposit Form Pay Bills Card Activity " RP '' indicates Recurring Payments TimeCard No.Description/MerchantStatusAmountBalance -/-/2016 - VISA PURCHASE - # -, - Complete- $27.00 $490.00 -/-/2016 - PURCHASE REFUND - - - - - -- Complete $490.00 $520.00