NetSpend’s earns a 3.7-star rating from 10 reviews and 810 complaints, showing that the majority of prepaid card users are satisfied with their financial services.
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Banking
11/18-11/19-11/20-11/21
Net spend allowed a scammer to change my password, more of my information. I was told by the automated system that none of my log in information was correct nor my address. When I noticed something was wrong with account I contacted customer service immediately. Since I've been told, my account is blocked. I filled a dispute, bit I have also been locked out of my account so I can't view anything. They have given me different account balances, hung up on me numerous times and a few of their reps would not give me any information on my account. I answered all of the verification questions over a three day period, But a total stranger is allowed to go in and change my information and steal money. I can remember times when Net Spend would block my account over a mere $2.00, so how does a person get away with this. I am aware that they are still investigating bot I don't trust their investigations because this is not the first time that this has happened. I have been with this bank since 2015. So why would I do this now? This bank cannot be trusted. I have also been told I cannot get another account with Net spend, as if I would want one.
Claimed loss: 2300
Desired outcome: I want my money refunded and to get as far from this bank as I can get!
This complaint has been resolved automatically due to user's inactivity.
Refund
I wrote to netsoend dispute regaurfing my refund per fdic funds are insured and netsoevd said to write fot credit and it ciykd be given they refuse ri stick by the rules yhe customer representing are Ryde refuse ti let me speak to a supervisor and it sounding a hardship this is nir OK please call Mr [protected] I wrote and they nit following rules and cgarfung fees that are nit supppiar ri hr
Desired outcome: My funds and respect from the representative
This complaint has been resolved automatically due to user's inactivity.
Netspend Debit card dispute
Dispute team is a joke, I've been locked out of my account now for two weeks and haven't had a dollar, they just keep telling me to wait until Nov 20 at the earliest, I don't have until Nov 20th, if I don't get my money back and pay my fines I will be going to jail it is that simple, these guys have no care in the world about what people are going through.
Claimed loss: $3000
Desired outcome: $3000 +1500 for hardship
I was told I would hear from you guys by 11/20/23 at the absolute latest! Well it's 11/20/23 and I still haven't heard anything, so I called you guys this morning and was told it is still under investigation! How long does it take to investigate! I need my money now!
Can't upload anything because I can't access my account to get the information! This the worst!
This complaint has been resolved automatically due to user's inactivity.
Fraud
Received a netspend card to my address with bogus name: Skylar Crooks. Called # on card to report fraud & turns out they’re the fraudsters. Offshore Customer Support claims this is just a marketing flyer & I should throw it away. Funny how “marketing flyer” included all documents for rates fees, legal process, jury trial waiver, etc….As soon as I mentioned reporting this as fraud he hung up.
This complaint has been resolved automatically due to user's inactivity.
Netspend let someone move 492.00 off my card to another that I have no ideal about my ca card to another card that I have no ideal w
Three times in a row netspend has let someone move 492.00 off my card that I have no ideal who this person is now I called netspend they told me it would not happen again they put the money back on my but they let it happen again so now I out of almost 500.dollars over this now when I call tell me they have closed out account will not give me no information that I asked. I will never use netspend again I have even emailed dispute documents and no response from them either I worked my butt off for that money
Claimed loss: $492.00
Desired outcome: My money back
This complaint has been resolved automatically due to user's inactivity.
Money stolen from my account
On Oct. 14, there were 2 purchases made by T J BABY in the amount of 658.83. My card ending in 5774 was cut off. When I received new card ending in 9567, when I activated it, I had 41.72 charged to FOOT LOCKER, 53.50 TO WE OPEN RETAIL IN MIAMI, 69.55 TO WE OPEN RETAIL MIAMI, 57.25 TO DCF LIQUOR MIAMI, 71.57 COULD NOT UNDERSTAND WHERE, BUT MIAMI ALSO. NONE OF THESE CHARGES ARE MINE. I HAD 1,015 ON THIS CARD, OVER 950.00 was stolen
Claimed loss: 956.76
Desired outcome: I want my money back. This is horrible customer service.
Disgusting
You could care less
Net spend claiming there is no issue is bull. This money was stolen from my account. Ive filed complaint with ftc, and bbb. I will be contacting attorney general for texas and south carolina. Also, contacting attorney.
Fraudulent activity
I called netspend when I got text alert about fraudulent charges, customer service rep assured me that my active card (only card) was fine, then got password reset link in my email only to discover that my entire paycheck was gone! My money transferred and 2 fraudulent purchases in large amounts. I call net spend right back and attempt to verify my address, phone, etc and they keep saying no, that’s not what I have on file. They can’t help me if my information doesn’t match, I tell the rep that I just spoke with someone and was assured my account was fine. Then I get asked “your address isn’t Brooklyn, NY?” No! 5 mins ago I confirmed my address nowhere on that side of the country. I kept trying to access my account and file fraud claim only to get the same words from each representative, got no where after 13 calls to them! I keep trying to file fraudulent charges but get hung up on since I canceled my card and account. Each automated call I am hung up on and almost $2000 gone in 60 seconds! Netspend protected the fraudsters! Going to take every legal action and file every complaint I can!
Desired outcome: Want my hard earned almost $2000 back!
This complaint has been resolved automatically due to user's inactivity.
Sue them in small claims court. Thats your paycheck, your money. we sued for a tax refund and were granted a judgement against them. they were given 30 days to send my check. The customer service reps, the calls, the red tape, jumping thru hoops. They are insane, never again will we use Netspend
Theodore from Phila; Pa. I have money on my Netspend card, and for reason it's been frozen, and I can't make a purchase.
Locked prepaid account, no access to funds, no access to my personal and financial data.
https://www.ftc.gov/system/files/documents/cases/netspend_stipulated_order_for_permanent_injunction_and_monetary_judgment_3-31-17.pdf
I will call you one more time for access to my account, my funds as well as my personal and financial data be made available to me as per this FTC injunction.
https:www.ftc.govsystemfilesdocumentscasesnetspendstipulatedorderforpermanentinjunctionandmonetaryjudgment3-31-17.pdf
VII. RECORDKEEPING IT IS FURTHER ORDERED - (for 20 years after judgment)
C. records of all consumer complaints, whether received directly or indirectly, related to access to funds, which shall include, but not be limited to, available consumer contact information, date of complaint, source of complaint, category of complaint, and the outcome provided that this Subparagraph shall apply only to consumer complaints related to Page 21of26 Case 1:16-cv-04203-AT Document 41 Filed 033117 Page 21 of 32 to funds received directly or indirectly from a consumer, a federal or state agency, the Better Business Bureau, State Attorneys General, as well as any consumer lawsuit
D. all records necessary to demonstrate full compliance with each provision of this Order, including all submissions to the Commission
E. a copy of each unique advertisement or other marketing material created, produced or approved by Defendant and F. records of blocks that restrict consumer access to Prepaid Products requests by consumers to activate and register Prepaid Products, when submitted directly to Defendant or when records of such requests are available to Defendant requests by consumers to lift blocks on Prepaid Products requests by consumers for closure of Prepaid Product accounts and any subsequent disbursements of funds to consumers;
I am PUBLICLY demanding that you provide me IMMEDIATE access to my funds, my prepaid account, that all restrictions are lifted and that ALL data and all of my complaints be forwarded to the FTC in compliance with this injunction.
You are also required to report ALL complaints about people not having access to their accounts, prepaid balances as well as their personal and financial data to the BBB AND FTC. So let's get to reporting because I have!
I have turned ALL of my requests over to the BBB as well as the FTC. I would suggest that you comply with this order immediately.
Desired outcome: IMMEDIATELY remove ALL restrictions from my prepaid card account, IMMEDIATELY give my access to the funds in my available balance and IMMEDIATELY comply with the FTC Injunction
This is NOT acceptable. I did receive a call just now however I have called at least 30 times and nobody answers or I'm hung up on, I have left several messages opened cases with the FTC as well as the Consumer Financial Protection Bureau.
When I did talk to this Mike guy, he DID NOT address my complaint AT ALL and only resumed demanding even more "identity" verification, not giving me unrestricted access to MY account that has ALL of my personal and financial data as well as the money in the amount of $1600.
This FTC injunction on them clearly states the law and they're CLEARLY breaking it.
https://www.ftc.gov/system/files/documents/cases/netspend_final_order_-_entered.pdf
VII. RECORDKEEPING
IT IS FURTHER ORDERED that Defendant must create certain
records for 20 years after entry of the Order, and retain each such record for
5 years. Specifically, Defendant must create and retain the following
records in connection with the advertisement, marketing, promotion,
offering for sale, sale, management, or servicing of any Prepaid Product:
A. accounting records showing the revenues from all such goods
or services sold;
B. personnel records of Defendant showing, for each individual
providing services, whether as an employee or otherwise, that person's:
name; addresses; telephone numbers; job title or position; dates of service;
and (if applicable) the reason for termination;
C. records of all consumer complaints, whether received directly
or indirectly, related to access to funds, which shall include, but not be
limited to, available consumer contact information, date of complaint,
source of complaint, category of complaint, and the outcome; provided that
this Subparagraph shall apply only to consumer complaints related to
Page 21of26
Case 1:16-cv-04203-AT Document 43 Filed 04/10/17 Page 21 of 32
access to funds received directly or indirectly from a consumer, a federal or
state agency, the Better Business Bureau, State Attorneys General, as
well as any consumer lawsuit;
D. all records necessary to demonstrate full compliance with each
provision of this Order, including all submissions to the Commission;
E. a copy of each unique advertisement or other marketing
material created, produced or approved by Defendant; and
F. records of blocks that restrict consumer access to Prepaid
Products; requests by consumers to activate and register Prepaid
Products, when submitted directly to Defendant or when records of such
requests are available to Defendant; requests by consumers to lift blocks
on Prepaid Products; requests by consumers for closure of Prepaid Product
accounts and any subsequent disbursements of funds to consumers;
consumer notifications of account errors; and disbursements of provisional
credits.
--- Netspend is refusing to comply with this injunction and my requests to return my account to its UNRESTRICTED state, give me access to the funds that are on my account as well as all of the information i've requested including access to my personal and financial data, who's seen my personal data other than me, how they're using my personal data as well as the information that is required for netspend to give me referring to this specific Injunction.
Case 1:16-cv-04203-AT Document 43 Filed 04/10/17 Page 17 of 32
IV. CUSTOMER INFORMATION
The Parties anticipate that consumers may make inquiries to
Defendant regarding consumer funds subject to this Order. Defendant shall
maintain a record of such contacts, including consumer contact information,
and shall provide such records to the Commission as required in this Section
IV. Following receipt of consumer inquiries that should properly be directed
to the Commission rather than Defendant, Defendant shall direct the
consumer to contact the FTC, at a number and address specified by the FTC
for this purpose.
So again, I am requesting this information as well as my unrestricted access to my PREPAID Netspend Debit card IMMEDIATELY as well as the ability to log in to my Netspend account and manage my personal and financial data & funds as required by this Injunction.
This Mike guy and Netspend only unlawfully continue to request more illegal identity proof instead of addressing my complaint. I have proven my identity repeatedly, they have my social security number, my name, my address, copies of mail sent to me, copy of my Oklahoma state ID, copies of my Birth Certificate, BBB complaints, FTC complaints and Consumer Financial Protection Bureau complaints ALL IN MY NAME. I have even sent them copies of their own mail in my name stating that a refund request I made got canceled due to "my authorization".
If I was authorized to make changes to my account then I am authorized to access the funds. The card was sent to me in the mail with my name and address on it, i activated it UNDER PRESSURE and under the assumption that I would have access to my funds 2 days earlier as well as other perks if I within 10 days got a direct deposit. I did that and they immediately locked my account blocking my access to my financial data, all of my transactions, my ability to manage my personal data, my account, my funds.
This is clearly ILLEGAL and I DO NOT accept this reply as anything other than Netspend trying to push this under the rug. I am requesting that Netspend comply with the law and this injunction against them.
Netspend Card
So Back In Sept 2023 Eye Purchased A Net Spend Pre Paid Card In The Amount Of 30$ Card No [protected] 09/25 898. Net Spend Denied Account And Stated They Would Send Paper Check 3 Weeks Later No Paper Check So Eye Called Again Provided New Address Not That Intial Address Was Wrong Just Never Received Check. It's Been Roughly 5 Weeks And Still No Paper Check.
Desired outcome: Send Papercheck Or Allow Net Spend Count To Be Opened ASAP And Load Check To Account.
This complaint has been resolved automatically due to user's inactivity.
all access account
This is the third time in 2023that my money has been withdrawn from my netspend card. I am not happy with this and I am seeking legal action against you. You are not making sure my account is secure. I want all of my money repalaced on my card ASAP. It makes no sense to have to keep going through this . I do not have any money because of it.
Sincerely
Angela r Walker
[protected]@gmail.com
This complaint has been resolved automatically due to user's inactivity.
Debit card
I have a debit card with netspend for about 2 years or so . i am a day laborer in TN. i saved a good amount on it . I needed to send some money to my family back in IN. for family business. I tried to transfer to my sisters checking account ..no good they would not do that. then my sister got a netspend card thinking that would be easier. but no they put a lock on the account. I have called every week since June 17,2023 speaking to customer service dept. about them issusing me a check for the saved amount on the netspend card, they first stated yes it will take 10 days before i will get the check .well this has not happened . I called again they said what is the address ? i gave them the address .thats not the address they had on file . they sent the check to a old address . i had given them the correct address...still have not gotten the check as of today 10/12/2023 . My sister has called to try to talk to them , as they said if i called and gave permission to talk to her they would. well that again did not work . I work long hours and wanted my sister to help me on this matter. I have tried everything i can to get this matter resolved I will next contact the states Attorney General in TN and Austin Texas Netspend headquarters. then the Local Newspaper . Please help me get this matter taken care of .My email is [protected]@sbcglobal.net
Desired outcome: Would like my check send to me asap. Thank You
This complaint has been resolved automatically due to user's inactivity.
Beank account
I'm going to make this as short as possible.
I closed my account with NetSpend back in July 2023. A check with 3600.00 was too be sent to me since that's how much I had on the debit card. I was told the check would be issued July 8th which it was supposedly done. However after waiting 15 business days for it to arrive they finally said they would reissue it. So I have been waiting since July 24 for then to reissue another check so they keep saying is that their back office is working on it. They give me so many excuses. This has been since July and no money has been returned.
Desired outcome: I would like my money to be electronically transferred or even a check to be issued and sent out.
This is [censored]! It's NOT restricted at all . I emailed social@netspend.com and have not heard anything from them. I'm contacting the federal trade commission to help me with this
This complaint has been resolved automatically due to user's inactivity.
Netspend skylight one
Net spend has closed my account due to “suspicious activity”, and does not want to refund my money. This is the second time my account was hacked at a seven eleven. The first time my money was fully refunded and now this time net spend closed my account. Scammers were able to take out $900 from my account at a seven eleven and net spend decided it was a suspicious activity and do not want to further the investigation and just closed my account. This is ridiculous. For them to allow scammers withdraw other people’s money and nothing is to be done by them.
Desired outcome: I would like my money fully refunded.
This complaint has been resolved automatically due to user's inactivity.
took my ssdi check
i had direct deposit of my ssdi check into my net spend account.my first check was deposited i recieved.my deposit on the 3rd of sept.2023 wasnt and still isnt avail.1001 dollars they stole and than lied to me about not having a record of the deposit.than they said i have to wait 10 days.i cant wait 10 days i have bills to pay.iwant my money that they stole from me.goverment money.
Desired outcome: i want my deposit ssdi paid me
This complaint has been resolved automatically due to user's inactivity.
NetSpend dispute claims
There was charges on the card that I didn't uthorized and I filed a dispute .. check back nada happen Sept 7th 2023 and y'all say up to 10 days or get credit back will it's been more then 19 days nada in account and I get unauthorized no credit issued claim closed... Well I'm a pissed off customer and the 1 main problem is a transaction that pisses me off and that's buying liquor at a liquor store and I don't even drink alone waste money on booze.. unsatisfied customer.. don't tell ppl that you'll get credit back in your account if that's not your plans and investigate more then just putting on someone's account unauthorized no credit issued.. I get ripped off for someone else's mistake and it's against my religion to drink I'm Amish and my beliefs and religion was vailalited ...
Desired outcome: To credit back my account
This complaint has been resolved automatically due to user's inactivity.
2 netspend card bought last dec 2022 and paid the $4.94 activation fee and not able to use them
In dec 2022 I bought 2 netspend cards for $30.00 plus the activevacon fee of $4.94 which totals $67.88 for christmas gifts and they are not able to use them. They called netspend abount them and net spend was wanting there ss number and banking account number which they have no bussiness getting peoples banking information, they supected fraud and did not...
Read full review of NetSpendFrozen account
My I have two NetSpend accounts and one of them is overdrafted by $38 which I don't know how it happened because I don't have overdraft on that they froze my other card account and did not even tell me so that I called Friday and that was this last Friday and they I was on the phone for over 3 hours and went through all of the process with them and they stated five separate times that my account was unfrozen when I went to get gas my car was out of gas it would not let me access my account but when I go online it says that there's no problems with my account I had to walk home I got written up at work because I had to miss work and then I was attacked by a homeless man who bit off part of my ear and robbed me for everything else that I had I filed a police report I called NetSpend starting this morning at 9:00 a.m. and they refuse to fix it or do anything I have been with NetSpend for over 20 years and I can't believe they are treating me this way
Desired outcome: Unfrozen account
THIS IS NOT RESOLVED AT ALL!
I EMAILED AND CALLED SEVERAL TIMES, NO RESPONSE. INSTEAD THEY BLOCKED MY CARD AND HANG UP IN ME WHEN I CALL!
Please file with the class action lawsuit against them!
https://www.ftc.gov/enforcement/refunds/netspend-refunds
This complaint has been resolved automatically due to user's inactivity.
Netspend card
I never asked for a netspend account. I never asked for a netspend card. But I received one in the mail today.
How DARE you open an account in MY NAME and send me a card unsolicited! What if someone had stolen this from my mailbox and proceeded to commit identity theft fraud with it?
I will be filing a complaint with my state Attorney General's office, the Federal Trade Commission and the Better Business Bureau. You should be locked up.
Desired outcome: Drop dead and never do this again.
Please MARK THIS COMPLAINT RESOLVED and disregard this complaint. I thought Netspend had opened this account and sent it to me without authorization. This account was opened with Netspend for me BY A THIRD-PARTY to issue a settlement to me in regards to a class action lawsuit in which I was one of the parties.
Ace elite card, netspend
8/30/2023. I used my card for lunch. I went to my new employer to fill out direct deposit info. I tried to login online to verify my DD info. Then my account was blocked for Fraudulent activity. I am a loyal customer for over 10 years. I upload the requested documents only to be told my social security card (completely legible) was damaged & not acceptable. My Driver license is accepted but not my registration. Although my home & mailing addresses are. All my bills are due tomorrow. I have $50 cash & a few groceries but I have to get back & forth from work.
Desired outcome: I need to access MY Money! It's mine! 10 year customer! I did nothing!
This complaint has been resolved automatically due to user's inactivity.
I had to take out all my money.In write money grams check s to myself in money grams.And transfer to another bank. I had 1 card that was safe.But every new card 2 cards I activated with in 12 hours someone was trying to get into my account from a foreign country. And they blocked my cards ,so I couldn't use them.Thier banking system is not safe. I was with them for 12 years. And then this .
Netspend prepaid loadable card
On 8/25 I purchased a netspend prepaid reloadable card form Kroger and loaded $50 onto the card for school items that I needed to purchase. I then called to activate the card and was told that additional documents were needed to verify my identity. I called the company to ask what was needed and why. This seemed excessive as this is a prepaid card loaded with my money. I argued with the rep for over 45 minutes and was told that I could only get a refund if I sent the same documents that they were asking to verify my identity and that it would take 6 hours to verify my identity and release the funds. The rep said that he would try to unlock the card to allow me to use it, but still said that I would need to send the documents because they could not verify that my home was actually a home. I sent the documents that I was asked to send on 8/26. Was told that they were unreadable. Sent them again on 8/27 twice. On 8/28 got an email stating that I needed to talk with risk managers to verify my identity/ Called risk management was referred to customer service. I didn't have the card with me and was told that they could not help me. I called again and was told that they were verifying my identity but needed to speak with risk management to unlock the card. I was tossed back and forth for hours. I tried to explain that I had already spoken with risk management earlier and was informed that I had not called. I feel that my money is being held hostage and that this company is a scam. I am still on hold and can't get my money.
Desired outcome: An apology and my money back.
This complaint has been resolved automatically due to user's inactivity.
Overview of NetSpend complaint handling
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NetSpend Contacts
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NetSpend phone numbers+1 (866) 387-7363+1 (866) 387-7363Click up if you have successfully reached NetSpend by calling +1 (866) 387-7363 phone number 0 0 users reported that they have successfully reached NetSpend by calling +1 (866) 387-7363 phone number Click down if you have unsuccessfully reached NetSpend by calling +1 (866) 387-7363 phone number 0 0 users reported that they have UNsuccessfully reached NetSpend by calling +1 (866) 387-7363 phone number
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NetSpend emailscustomerservice@netspend.com100%Confidence score: 100%Support
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NetSpend social media
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Checked and verified by Stan This contact information is personally checked and verified by the ComplaintsBoard representative. Learn moreJun 30, 2025
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This just happened to me starting in October. I got a notice that something was wrong with my account, and when I logged in I couldn't, it kept on saying wrong password. I contacted Customer service, and she had be change my log in name so that I can change my password. When I get back in all my money was gone. Called Customer Service again, cancelled my card, and ordered a new one. I went to transfer some money from my main account, it wouldn't let me deposit money in the account. I contacted again, and my account was locked and no one was able to unlock it. They had be send verification documents to them and it took three times for them to approve, only to have them transfer me to risk management to confirm the documentation only to be told that I had the wrong department and transferred me to Customer service. I spent the entire week trying to unlock my account, because I had another direct deposit. The first incident happened two days after my direct deposit. Two days before my direct deposit my account was finally unblocked, but I still didn't have to debit card. Sunday night my direct deposit came in, and the next morning I couldn't log in again and had to got through the same thing. When I got into my account, once again, my account was emptied, less than 12 hours after my deposit. They again cancelled my card, but the bad thing is they transferred the entire amount of my main account to this account the transferred all the money from both accounts. I kept on asking them how this was happening. I couldn't even get into my account without going through a stage one security clearance. The transactions that happened didn't even involve my card, it was through what was called a push debit card transaction that was initiated through Netspend and Pathward bank, using a debit card that I have never heard of. Both times. They charged a push notification fee, and a confirmation fee. These people knew when I received a direct deposit, used a third party debit card that was netspend and the bank both approved the withdrawal, had a confirmation number and was still able to take out all my money. Then the day before i was to get my Social Security deposit, the closed my account, didn't even tell me, and I was locked out of my account. I called customer service and was told that I was a secuirty risk, and that my money would be refunded by check in the next ten days. I have already had to go two to three weeks without my money, now I had to wait two more. I am still contacting Social Security to have the write me a social security paper check which will take a week or two. I also have to find another bank for my direct deposits. I have an employment check twice a month and my social security check once a month. Right now I have $2700 in funds tied up and waiting to get. I have been with Netspend since 2006, and haven't had any problems until this year. Happy Holidays and Merry Christmas, because it's not going to be a nice one for me.