Citibank Prepaid Card Complaint

Citibank Prepaid card department,

Gift or merchant card Unauthorized transactions/trans. issues Minnesota

I received a prepaid debit card from - and issued by Citi. The card was loaded with a predetermined amount, and specifically states that you can not reload the card or obtain more funds than are listed on the card. The card now has a negative balance. I contacted Citi by phone to determine how this is possible given their rules and that it really should be impossible for such a thing to happen. They stated that I had tried to make a purchase greater than the amount on the card and that it was approved due to a glitch or lack of a mechanism in place by the merchant to check for available balance. Now, I am told that I may be subject to undisclosed fees or debt collection if I do not submit a money order or cashier 's check to an address provided to me by customer service. I 'm told that I 'll just have to wait to be contacted by the " risk department '' and they ca n't tell me if the debit balance will be turned over to a collection agency or what, if any fees may be applied to the debit balance while I am waiting to receive a request, in writing, that explains how to deal with this matter. I think that the burden here lies with Citi. They should have had a mechanism in place to ensure that a transaction greater than the card balance would have been declined. This is a poor and murky business practice that places undue burden upon the consumer. I would like to be contacted by someone at Citi and to be provided with a written explanation of how to resolve this matter in a timely manner.