U.S. Bancorp Prepaid Card Complaint

U.S. Bancorp Prepaid card department,

General purpose card Managing, opening, or closing account Texas

I was issued - prepaid " Reward Cards '' from ELAN Financial Services / U.S. Bank for opening a couple of credit cards for clients while working for - -. I received - cards in the mail in - -. Card - was supposed to be pre-loaded with $20.00. Card - was supposed to be pre-loaded with $40.00. I have never received this $60.00 in full. When the cards arrived, neither of them had the correct balance that I was told they would have. The card with $20.00 was reduced down to $0.00 due to " inactivity fees '' before the card was ever received or activated because it had been allegedly funded back in - of -. The card with $40.00 was reduced down to $30.00 due to " monthly service fees '' before the card was ever received or activated because it had allegedly been funded back in - of -.


card is received or activated. So if they send a card that 's already drained by fees, somehow this is my fault and I take the penalty for it. I activated the card with $30.00 on it and attempted to make multiple purchases with the card. Despite activation, the card was declined at - - with a point of sale transaction, at a gas station, and with an online purchase on -. When I contacted the company, they could give me no explanation for why the point of sale transactions were declined, but informed me that the online transaction was declined because activating the card was not enough - I had to go online to a website and register the card as well. Despite multiple previous calls, no one bothered to explain this process to me at any point. Despite four attempts to use the card in -, the card was still assessed a $2.00 " monthly inactivity fee. '' When I call in to check a balance, the call drops due to an error in their system, and when you call in again, you get warned that they are going to assess a $0.00 fee because you 're calling back a second time. When you call in to customer service to figure out why the card keeps on declining AFTER you activated it, not only do they not give you a straight answer until the THIRD call, but they assess you an a $1.00 fee to give you incorrect information. These issues are beyond misleading and deceptive. The fee structure is ridiculously complex and hits you for everything you do to try to use the card, and the fact that they take money from you before you 've even received the cards is outright theft.