Credit card or prepaid card -- Problem with a purchase or transfer -- Complaint #4679758
Complaint Overview
Complaint ID: 4679758
Company: U.S. Bancorp
Product: Credit card or prepaid card
Sub-Product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-Issue: Card company isn't resolving a dispute about a purchase or transfer
State: Tennessee
ZIP Code: 38305
Date Received: 2021-08-31T12:00:00-05:00
Date Sent to Company: 2021-09-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I bought a visa prepaid visa gift card for {$100.00} plus a {$5.00} activation fee at Kroger in XXXX, TN on XX/XX/21. The cashier gave me the receipt and activation receipt. Later that day when I went to use the card I found out it declined. I called the provided number on the back of the card at XXXX to find out the card had never been actually loaded by the card. They advised I go back to Kroger. I immediately went back to Kroger and Kroger advised that the card was loaded properly since it did have an activation receipt. I called again the XXXX number on the visa card and they said that I could submit a fax of the activation receipt, Kroger receipt, front and back of the gift card and fax it to XXXX, which I did immediately at XXXX XXXX. They said that this occasionally happens and that as long as I had proof of activation, it would be resolved through their end ( the prepaid gift card company ). I called the XXXX number on the back of the card multiple times over the next few days and every time was told that it was being investigated by their team. Eventually, I was told they lost the fax I sent and that I need to send it again and start a new process, wait 3-5 more business days etc. I have spent HOURS/DAYS of my life now trying to get this resolved and can not keep going through this cycle of false information they keep feeding me.
Frequently Asked Questions
What is Complaint #4679758 about?
Complaint #4679758 was filed against U.S. Bancorp regarding Credit card or prepaid card specifically about Problem with a purchase or transfer. It was received by the CFPB on 2021-08-31T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.