paypal prepaid mastercard this prepaid card is a ripoff! Austin Texas

I purchased one of these cards for $4.95 and was told that I had to load money on the card before I left the store so I put $20 on the card and went home.  After opening the pack I realized it was going to cost me $4.95 monthly just to have the card.  Well that was not going to be a good deal so I set the card aside and did not activate is purposely so I would not have to pay a monthly fee.  Well, 4 to 6  months later I decided to try to get my $20 back.  Remember, the card was never activated.  I gave them the 16 digit card # and told them that I just wanted my $20 back since I would not be using the card.  They asked me when I purchased the card and I told them it had been about 4 - 6 months although I did not know exactly.  I was told that they could send me a refund check minus a $5.95 check fee.  Really???  So what choice did I have. Then he said: Oh, you now only have a balance of 20 cents because we had to deduct a $4.95 monthly fee for the length of time you have had the card.