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Tonja Yaklin
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Verify prepaid debit card after using it- is this legal?

Postby Tonja Yaklin » Sun May 01, 2011 3:11 pm

I just put cash on my prepaid debit card and was told that I needed to send "verification" of who I was again. I did that and then when I called back they said again I couldnt be identified. I finally have given up and asked that they give me my money back and they are refusing to. They said it will take 21 days when it has already been a week or more since I put the money on it. I am going to be late with my car payment and insurance now and desperately need my money. Is this legal? why would they want me to verify again after already using it?

please help

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Mogul of Pineapples
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Postby Mogul of Pineapples » Mon May 02, 2011 3:56 pm

There were a number of people on CCF posting about that with their prepaid Paypower Visa card. I would recommend combing over that thread, it should give you some ideas and what you can do to expedite the process with your card's issuer.

As far as legality, it probably is. My assumption is that some sort of red flag showed up for your identity which caused the freeze. It's the patriot law that causes this headache.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

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Postby 10101110 » Mon May 23, 2011 4:38 am

Yes it is completely legal. If there is an discrepancy in your identity then the card issuer has no choice. I wish credit delinquents such as yourself that nag about service with prepaid debit cards would find something better to do. It is your fault that you can't qualify for a real credit card, get over it. Stop making my job more difficult than it has to be.

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Postby naomibatac » Thu Oct 13, 2011 3:40 am

Tonja, Mogul is correct in saying that it can be legal. If you have doubts I think you should ask the issuer. It seems even prepaid credit cards are not safe from thieves.
[size=60]I don't have any relationship to the credit cards or companies discussed here. I am solely a regular member of this forum with no direct financial rewards from this site. My opinions are solely mine.[/size]

A mom of 3 and currently living life, and working for credit card helpline, a company dedicated to helping people get out of credit card debt.

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