Complaint Review: Master Card Pre-Paid Debit Card

I was given a "PayPal" prepaid Debit Card in June.  I did not activate it until August.   The orginal balance was $50.  I contacted PayPal and they said it is not a PayPal prepaid debit card.  Here is PayPals response: 

Thank you for contacting PayPal Debit Card. My name is Ryan, and I understand you have a received a card that was loaded with funds. I can help explain the situation.

The PayPal Debit MasterCard is a card that must be requested directly through the PayPal account and is not a card that is automatically loaded with funds. The card itself works off of the available balance in the PayPal account. The Debit MasterCard is a gray card that starts with the digits 558158.

It sounds like you received the PrePaid MasterCard. The PrePaid card is blue with a white stripe and starts with the digits 5311. Although the PrePaid card does say PayPal on it, it is actually handled by a company called NetSpend. PayPal does not charge any of the fees and all account information related to the card is processed through NetSpend. I do apologize about the confusion and hope the information provided was helpful. If you would like to contact NetSpend, their phone number is 866-753-6440.

It seems that the card was issued by NetSpend.

The card issuer deducted $14.85 from the balance because I did not use the card for over 90 days.  The card was purchased in April 2013 and the back of the card says "a monthly maintenance fee of $4.95 applies if the Card Account is inactive for 90 days.   

Since I didn't activate the card until August 2nd I believe that the card did not represent an active accoount until it was activated.     I called the number referred to above and they would not reimburse me for the charges they made to the account balance.  

I feel this is a ripoff.  Do not purchase this type of card.   If the card was purchased through  PayPal thre would be not charges.  (See above statement from PayPal).