Are you checking the balance online/changing the pin online? I was, and ended up getting these fraud locks. Now I literally open the package and liquidate 1hr later. No checking the balance or changing the pin. Oddly enough now I have zero issues.
That makes no sense.
I always check my cards activation and balance either online or by phone after an hour has passed, and I've never had an issue. All the branches I do MOs and BPs at believe I'm utilizing a bank debit card, so I must be sure they're going to work without any problems, as it would be difficult to explain why my "legit" bank debit card failed.
Why are you messing with the PIN anyway, as there is no preset PIN, the very first PIN you utilize auto becomes the PIN.