Prepaid card -- Trouble using the card -- Complaint #8013551
Complaint Overview
Complaint ID: 8013551
Company: U.S. Bancorp
Product: 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: Illinois
ZIP Code: 615XX
Date Received: 2023-12-16T12:00:00-05:00
Date Sent to Company: 2023-12-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have 5 Visa gift cards issued by US Bank that were purchased from Kroger that are now almost impossible to use. Transactions are declined at normal stores like XXXX and Kroger. This was not the case in the past. They seem to have added rules about how the cards can be spent that are not disclosed, and which may have been designed to increase the likelihood that the funds are never spent at all. Additionally, the XXXX website does not work, so I can not register the cards to be used online. It accepts my input of card number and security code, but then does not load a page for the card 's information. This may also have been by design to limit use of the card. These cards are so problematic, they have been completely removed from store shelves in my area and are no longer for sale. The purchase restrictions may not be compliant with the CARD Act.
Frequently Asked Questions
What is Complaint #8013551 about?
Complaint #8013551 was filed against U.S. Bancorp regarding Prepaid card specifically about Trouble using the card. It was received by the CFPB on 2023-12-16T12:00:00-05:00.
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 (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.