I have a pre-paid debit card through XXXX issued by US Bank National Association out of XXXX. XXXX processed a refund in the amount of {$490.00} on XXXX/XXXX/2016 at XXXX. It immediately appeared as complete in my online account and mobile app balance. When I call the account information line it notes my available balance as {$490.00}. There is even a debit of {$27.00} made on my account on XXXX/XXXX/2016 on XXXX AFTER the credit leaving me with a balance of {$490.00}. Yet I can not use my card to make purchases or pay bills. I called the customer information line twice and was told both times that it can take 24-72 hours for a refund to appear on my account because they put a block on it to guard against fraud. This does n't happen if I return an item at XXXX - the funds are instantly available and this is no different than any other electronic transaction. I asked when I would know when I could access those funds and I was told by both representatives that I should try to make a purchase and see if it will go through. so as I understand it I am supposed to take goods to a counter and present a card to see if I will suffer the embarrasment of it being declined jsut to see if my finds are available to me yet, even though everythig I see and hear tells me they are available. This is copied directly from my online statement : Card # XXXX Balance {$490.00} Rewards PointsUnavailable Last Login XXXX/XXXX/2016 XXXX CST Card Information Card Activity Statement Change PIN Card to Card Transfer Recharge Your Card Mobile Alerts Direct Deposit Form Pay Bills Card Activity " RP '' indicates Recurring Payments TimeCard No.Description/MerchantStatusAmountBalance XXXX/XXXX/2016 XXXX VISA PURCHASE XXXX # XXXX, XXXX Complete- {$27.00} {$490.00} XXXX/XXXX/2016 XXXX PURCHASE REFUND XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complete {$490.00} {$520.00} 
