Credit card or prepaid card -- Trouble using the card -- Complaint #7364741
Complaint Overview
Complaint ID: 7364741
Company: Blackhawk Network Holdings INC.
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: Louisiana
ZIP Code: 704XX
Date Received: 2023-08-07T12:00:00-05:00
Date Sent to Company: 2023-08-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XXXX, spoke with XXXX, a supervisor with the customer service support team ( part of cardholder services assitance team ) re : my concerns over BHN disallowing debit cards from being able to be used via pin-based transactions in common retailers. Received request for callback within 24-48 hours. Callback received ~120 hours later on XXXX. XXXX reviewed activity of 2x cards ( note : I currently have several hundred such cards in my possesion ). XXXX explained that the cards are active, but are currently disallowed from being used at my selected vendor for " security reasons '', which could not be disclosed. He explained that the vendor, a local grocery store which I attempted a transaction, has been temporarily suspended from all card transactions with BHN. XXXX 's solution was for me to use the card at a different vendor. I explained to XXXX that this was unacceptable, as I would like to use the card at the vendor of my chosing. I further explained to XXXX that my theory is that BHN is purposefully disallowing pin-based debit card transactions in a way to try to force users to run transacations as credit, which nets BHN more money per transaction. i.e., I believe they are purposefully circumventing governmental regulation that governs pin-based debit card transactions. I have evidence of this because the same cards will work at the " security restricted vendor '' when running the transactions a credit instead of debit.
Frequently Asked Questions
What is Complaint #7364741 about?
Complaint #7364741 was filed against Blackhawk Network Holdings INC. regarding Credit card or prepaid card specifically about Trouble using the card. It was received by the CFPB on 2023-08-07T12:00:00-05:00.
How did Blackhawk Network Holdings INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was not 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 Blackhawk Network Holdings INC.?
Yes, visit the Blackhawk Network Holdings INC. company profile at readthecomplaint.com/company/blackhawk-network-holdings-inc 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.