Consumer complaint received 2025-05-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: OK

Complaint narrative:
On XX/XX/year>, I received a XXXX XXXX from the XXXX XXXX XXXX  containing my tax refund in the amount of {$500.00}. I did not select this as my refund method with my tax return, nor was I given an option to opt for a different method. Regardless, I called XXXX to activate my card and set my PIN. I then attempted numerous times to set up an account at goprogram.com, but was subjected to a nearly endless loop of being redirected to the login page. After many unsuccessful attempts in multiple browsers on two computers and a phone, I was able to complete registration and login. Once logged in, I requested a funds transfer to my personal checking account, provided the routing and account numbers, and verified that my request was confirmed. 

On XX/XX/year>, despite the funds transfer displaying a status of " cleared, '' my funds were returned to my card with no explanation. I discovered this on XX/XX/year>, after nearly a week of continuous attempts to login at goprogram.com to check the status of my transfer. During all of these attempts, I was sent in a continuous loop on the login page after entering my username and password. Additionally, I tried calling the customer service number at XXXX, only to be directed in circles through the automated phone system and told that it was temporarily unable to access my account details. There is no way to speak to a customer service representative through this phone system, and there is no alternate method of contact made available by XXXX or the XXXX XXXX for the XXXX XXXX. 

On XX/XX/year>, after discovering my transfer had not completed, I again attempted to call the customer service number, and was again told multiple times that the automated system could not access my account details. After finally getting through the system, the available balance read back to me was {$500.00}, {$0.00} less than what should have been available. I logged back in to goprogram.com, and after countless attempts, again contending with the redirect loop, I finally was able to see that they have now charged me XXXX {$0.00} fees for simply calling the only available customer service number for the card! 

With seemingly no resolution available from the bank itself, I tried several methods of withdrawing the full amount owed to me from my account. First, I attempted to transfer the full balance of my available funds to my wife on XXXX XXXX. I then tried adding my available balance to XXXX, and finally XXXX. None of these attempts were successful. Suspecting some kind of daily withdrawal limit, I again tried with smaller amounts. First with {$500.00}, then {$250.00}, then finally, just {$100.00}. All were declined by XXXX. 

I am now left with XXXX XXXX XXXX  owed to me by the XXXX of Oklahoma locked in this account with absolutely no way to retrieve my money and no recourse available from the XXXX XXXX or XXXX XXXX. I have checked the program terms made available on goprogram.com to search for any explanation for my unavailable funds, but there is nothing that indicates why any of these issues are occurring. 

Furthermore, the program terms state in the " Unclaimed Property '' section that unused funds XXXX be forfeited ( to whom? ) and that the time of inactivity for this to occur differs by state. Neither the terms provided to me by Comerica Bank, XXXX, Go Program, or the State of Oklahoma indicate what exactly this timeline is. This means that at any time, my funds are at risk of being forfeited and pocketed by XXXX ( or all ) of these middleman corporations, or the XXXX of Oklahoma itself. Potentially all of the above. 

This is mind-boggling predatory and anti-consumer behavior, obviously intended to fleece people without the means or time to pursue a lawful remedy.

Company response to consumer: Closed with explanation