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We know how frustrating this is and we completely agree with you. The card gets blocked by Choice Bank as part of their recent policies, and we to fight to unblock it. By the way, this is the same for every program that uses Choice Bank to issue cards not just us. In fact,Choice Bank does not allow deposits to prepaid credit cards from external sources and when a refund is processed, Choice automatically classifies as external funding. At that point it is up to us to actually prove that it is not funding but rather a refund for a past purchase made on that t same card. The bank requires a scan or screenshot from the card holder, as they are convinced that the merchant always gives a receipt along with the refund
We do not agree with the bank's current policy and are debating this with them. The fact that they close the card and ask questions afterwards is a bit harsh I find. They even close cards for returns from companies like Amazon and so forth, but so far we have been unable to make any headway with them in this respect. Of course, the existence of this policy can be easily verified by calling Choice Bank. If you do so, make sure to let them know what your opinion is of the way they handle refunds.
Unfortunately for the moment our hands are tied and we have to follow the procedure in place in the event of refunds, even if we find it silly.
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