Can a prepaid credit card company restrict your account just because you allowed a non-account holderto put theirmoney into theaccount?

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Can a prepaid credit card company restrict your account just because you allowed a non-account holderto put theirmoney into theaccount?

My tax refund and my daughter-in-laws went into my prepaid credit card account. She wasn’t on the account so they restricted it saying that I have to send them my: photo ID, copy of my SS card, phone and utility bills, plus my W-2’s. They will then look it over and decide if they will take the restriction off. I looked at their website and nowhere does it say that you can’t do this. What can I do about this as we need our money ASAP.

Asked on January 29, 2011 under General Practice, Minnesota

Answers:

Robert Kane / Law Offices of Robert D. Kane, Jr.

Answered 10 years ago | Contributor

I am sorry to hear about your inconvenience. The restriction placed on your account is probably due to the company's fraud prevention policy, and not because of a third party's contribution. Most likely, the agreement provides the company great deal of descretion in this area. So in answering your question: probobly yes for a reasonable time. I am suprised by the enormous amount of personal information it is requiring you to provide, and not requesting anything from your daughter-in-law. Perhaps your daughter-in-law should contact the company to try to get things addressed in a more timely manner.


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