U.S. Bancorp Prepaid Card Complaint

U.S. Bancorp Prepaid card department,

Gift or merchant card Unauthorized transactions/trans. issues Maryland

-/-/2016, I purchased a $200.00 U.S. Bank MasterCard prepaid gift card at a retail store. I immediately brought the card home and kept it secured in my home. On -/-/2016, unbeknownst to me, my card was debited $160.00 for an online payment to - power company. I did not authorize this charge. I do not and have never lived in California and have never had an account with -. In fact, as of -/-/-, I still had not ever used my card and it was still secured in my home. No one else had ever seen my card or card number except for me. On -/-/2016, I was preparing to use my card for the first time and checked my balance online. I then discovered the -/-/- unauthorized $160.00 debit. I used the remaining $37.00 on my card and then called U.S. Bank to dispute the $160.00 charge. U.S. Bank asked me to submit


On -/-/2016, U.S. Bank wrote back asking me to submit additional information to process my claim ( Exhibit 2 ). I promptly provided this information ( Exhibit 3 ). On -/-/2016, U.S. Bank wrote back stating that the funds were withdrawn in error and that the funds would be returned to me : " We found that an error did occur and are closing the claim in your favor. A credit of $160.00 will be made to your account on -/-/2016. '' U.S. Bank further stated, " The claim is closed and the credit is considered final. '' ( Exhibit 4 ) Despite this final notice from U.S. Bank resolving this claim in my favor, the funds were not returned to me. On -/-/2016, I called U.S. Bank to ask why my funds still had not been credited to me as promised. -, a U.S. Bank phone representative, stated that after sending the -/-/- letter to me, U.S. Bank reversed its " final '' decision and now would not release the funds. U.S. Bank had never notified me that it was still holding my funds and that it in fact would not release them, and could not tell me why this final decision was reversed. In summary, I disputed an unauthorized charge on my prepaid gift card and U.S. Bank made a " final '' determination in my favor and promised to return the funds to me. Despite this final determination, U.S. Bank is still refusing to return the $160.00 to me. I request that U.S. Bank return these funds to me, preferably in the form of a check since I do not want to risk these funds remaining on a U.S. Bank gift card.