Credit card or prepaid card -- Trouble using the card -- Complaint #5233991
Complaint Overview
Complaint ID: 5233991
Company: U.S. Bancorp
Product: Credit card or prepaid card
Sub-Product: General-purpose prepaid card
Issue: Trouble using the card
Sub-Issue: Trouble using the card to spend money in a store or online
State: California
ZIP Code: 926XX
Date Received: 2022-02-17T12:00:00-05:00
Date Sent to Company: 2022-03-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
A {$100.00} XXXX Gift Card I purchased at my local XXXX XXXX on XX/XX/22 XXXX was immediately deactivated by the time I logged in at home to register the gift card on XXXX. I went to back to XXXX XXXX to verify if they somehow didn't activate it, but they referred me to their gift card helpline at XXXX. I had to call the XXXX ( XXXX ) help line the next morning on XX/XX/22 since they were already closed. The XXXX help line said their system showed that the card was activated and authorized for the {$100.00} - Case # XXXX documented my inquiry to XXXX. I then called the number on the back of the XXXX Gift Card XXXX. I spoke with XXXX giving him the last 8 digits on the back of the card, and he informed me that their fraud dept. had deactivated the card due to potential fraud. I explained that I just purchased the card last night, and I was not able to even registered the card on their website due to the site giving an invalid card number error. XXXX was only able to offer me a replacement card to arrive by regular mail in 7 to 14 business days. I mentioned to him if you're trying to avoid fraud on the card then expedite delivery of the replacement card through XXXX or XXXX not regular mail where it can be lost or stolen. XXXX responded they don't offer any other delivery method. He was not able to provide a case number or tracking number in reference to the replacement card. When I asked for a supervisor he hurried me off the call and hung up on me ignoring my concerns. XXXX Gift Card company is making money off the {$100.00} that I can't use until the replacement card arrives. It is unfair that they not only make money off the {$5.00} activation fee, but now they have pocketed my money for 2 weeks. I have been greatly inconvenienced not being able to utilize the gift card to pay bills. This business practice should be unlawful.
Frequently Asked Questions
What is Complaint #5233991 about?
Complaint #5233991 was filed against U.S. Bancorp regarding Credit card or prepaid card specifically about Trouble using the card. It was received by the CFPB on 2022-02-17T12:00:00-05:00.
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.