NetSpend
Reviews and Complaints

I have always had good service over the phone and no problem getting a hold of someone (which they don't charge for)...(THEY DID BOTH TOOK MY 10 DOLLARS AND STILL IS CHARGING MEFOR WITHDRAWLS) ...well whether you pay the ten dollar fee or not, you are charged for ATM withdraws which is stated under the fees section. But is sounds like you are not signed up for the ten dollar a month plan.

Hi Businessman23. The only way this sounds possible is that you were not on the 10$ a month plan. That would be why you were still being charged the transaction fees. I would recommend contacting them to make sure you are on the right plan. Or you could also go to your online account center and see what plan you are on. I never have had trouble getting through to customer service; you would just need to select the appropriate options.

Every company has their own website issues. I for one love NetSpend and have never really had a problem with them. Yes the site being down is annoying but it has only been down for an hour or so. I am currently on their site now. I am sure they will have this problem resolved and then everyone can continue with their normal finance management.
I would recommend the text message alerts. I have still been getting them and they keep me updated with my balance.

I was sent money from my unemployment to Net Spend MasterCard / Debit and it's been two days and the still don't have my money posted to my account yet. All I get on the phone is a recording . No representive to talk to about resolveing the issue.

yes, I was also declined on a purchase at Wal Mart when I knew I had plenty of money in my account. I had a basket full of groceries, over $200 and my card wouldn't work. I walked over to the ATM and tried it there too and it didn't work either. I was so embarrassed and worst of all, I couldn't buy my stuff for thanksgiving dinner.

I got scammed by them too. My card had a block on it and they were deducting monthly fees while it was blocked. I haven't tried to use the balance so I don't know if they really lifted the block or if they are planning on stealing the rest of the money. I will post again after I try to use my card. What they are doing is certainly unethical and should be illegal.

i waiting for a new password forever i was told it would take 13 minutes and after a half hour i still haven't a messages how long will i have to wait it was really fast in the past but since this account went premier i have all kinds of problems getting into my account as of now i cannot access my account online please send your answer to namerocio@yahoo.com i'will be waiting

Thank you TravV...

However, NetSpend is not very forthcoming about whatever issues that say they are having; and if this is actually the case, then they should reimburse folk for the fees they incur by not having the Premier Feature activated on their account, no matter what the excuse...

Premier was originally set up for accounts that were created after July 09. They informed me that older customers that meet the requirements will be able to upgrade once they have the problem in their system corrected. I believe they can fill out a form for you and will contact you once the issue is fixed.

If you enter into ANY AGREEMENT/CONTRACT you need to READ the FULL scope of it...

Sure, they have fees, so do many banks and credit unions. If you read the agreement you made, its there in BLACK AND WHITE, and it is NOT at the bottom in small print and it is NOT in words that are hard for anyone to understand...its really easy to understand if you READ the stuff!

In fact, when you go to your account online, you can see your fee program ANYTIME...also they do offer various programs based on how often you use the atm, how often you make purchases vs atm's...etc...so do yourself a favor, instead of blaming others, READ what you AGREE to, its not anyone else's fault for your not understanding what you sign up for...and if you can not read, thats ok too, if you cant read, then what are you doing agreeing to anything without knowing the ins and outs? You can either get your questions about fees/rules/policies/etc where you purchase the card, or by calling the service number...

...and if you are complaining about bad customer service..well,
I cant argue too much there, as the majority of the front line service employees at netspend cant even speak english, let alone UNDERSTAND it...BUT, instead of getting hot and bothered and upset, ask for a supervisor or someone who could understand you better...and you will get the answers you need...plain and simple...HOWEVER, I do not think this is soley a netspend issue, its EVERY COMPANY out there today, EVERY SINGLE COMPANY has the same horrible service...big banks, big cable companys, BIG cell phones.. you name it, if its a BIG company, it means long wait times and bad front line customer service...so if you are here simply complaining about netspend having bad/long service waits, I would have to think you are posting at every compnay you deal with...and trust me WE ALL KNOW BIG companies have HORRIBLE service...to come here and make a complaint about that, well, take a look at every big company here..same issues...its not right, but its also pretty EXPECTED in calling any company these days unfortuenately...

NETSPEND SHOULD BE SUED...TOO MANY ISSUES...NON PROFESSIONAL...FULL OF ###! NOBODY SHOULD OPEN AN ACCOUNT WITH THEM...AND ITS PRE PAID...YOU WOULD THINK IT WOULDNT BE ANYTHING U'D HAVE TO WORRY ABOUT...NETSPEND ...U ARE A SAD ### COMPANY..U GUYS PROBABLY USE DIXIE CUPS AND STRING

Since banks nowadays are getting billions of dollars from overdraft fees, I can see why Netspend charges transaction fees -- they do not allow you to overdraft. After viewing their information it looks like there is also a 9.95 a month plan that will waive the debit and credit fees. The maintenance fee is only charged if you do not use your card in a certain period of time.

I have a NetSpend card and had to go through a dispute. Yes you do have to fax in a statement stating why you are disputing the charge(which is a requirement for most financial institutions) and yes it does take time, but I was able to win my claim and get my money back. They do not charge anything for disputes.
I have also used the bill pay option a few times and from what I understand, the user has to input the amount and dates for it to be taken out.
From all my research I have found that NetSpend has great features and reasonably priced for a prepaid debit card.

Discover has a pre-paid debit card that works the same way but is backed by Discover -they have really good practices and you dont have to worry about any of this crap. I'd go there! They also dont have a credit check or anything like that. You can get it on their website.

Veronica V. Thompson I won Lottery in the year of 2007. When filling out the forum I put my Netspend Prepaid information in. I call and spoke to Customer Service and was given the information about the account number and routing number. So on September 18, 2007 at 12:45 am I received a text message from Netspend on my cell phone.And at the top of the message it had 18 - 20 numbers then it says deposit from Hoosier Lottery made to then it had the account number. Then it had the amount of deposit for 3854.13 dollars. Then I was already on my computer at that time so, I went online and look at my account. Then I open a saving account and transfer some of money to the saving account. Then I was working making good money and didn't need to use that money. So when I went to use the money but had loss the card. I was told they have no record of that money at all. I have been trying to get this money for a decade, on September 18, 2017 it will be a decade. Now when I speak with people that are suppose to be from Netspend they ask me to give them proof like the account information. Well because they believe i can't come with that information. They playing me, I copy and back up all that information on my old computer that crash and I have not been able to recover the information. And i give them the account information and they are able to pull the information and they say that the money is there then what. They have withholding this money from me for a decade. The money that is in the savings account should be earning crease on it. And why do I have to prove anything they text me and told me that my money was there. and I open that saving account and made that deposit that very night. Why want his company give me my money I need help. vbowers38@yahoo.com [protected].

Hi Mastercard representitives. My name is Melissa dunn. I want to report my card lost/stolen and I want my card cancelled so that no one is able to use it. I do not have any information about my card. Please Contact me right away. This is VERY important. My Email is: melissadunn22@yahoo.com OR my phone number is: [protected]. Thank you :]

I had someone paypal me emergency money so I could eat last night. When i tried to transfer it over to my netspend card, I was told that wasn't allowed anymore. Even though netspend still falsely advertises being compatible with paypal.

I issued a refund to the person and told them just transfer the funds to the netspend card directly.
They transfered the funds, their statements show the transfer, and according to netspend the transfer should have occured within minutes. This was over twelve hours ago. When I was able to reach a woman whom I could barely understand, I explained that they stole my money. She told me their records indicate no such transfer took place, then told me such transfers are prohibited.
Even though I was previously given the routing number, account number and told that is all I need, and that it should go through directly.
[censor] YOU netspend, you owe me $65 worth of bananas and cheeseburgers and i am looking into who i should hirie to sue your sorry [censor].

Wow.. That was easy, After threatening www.fraud@netspend.com 3 hours later I was Unlocked and am going to see if the Measly 270.00 on the card will work. People, This will not change if you do not make a stand. It's time for Corporate America to Wake the hell up! If Anyone need's help send an email. I'm done being screwed over by them!
kensappraisalATgmail.com

Went to Advance Auto to return a fuel pump we ended up not needing, Money got to card and Netspend Locked Acct.
Sent receipt for return, as well as drove to Parts store to get a printout of purchase and transactions. (Original receipt lost).
Reference # [protected]

Will be calling a Lawyer, This is poor business.

Your Fraud dept. appears to be the "Fraud".

A horrible company to deal with. So disappointed. My 83 year old mother had her va benefits deposited because she is homebound and i am her caregiver. I use that account for her care.. Or was going to but the day after the deposit netspend froze the account "for her protection" and refused to release the funds until she provides all sorts of documents. Several calls and hours of frustrating communications and in the evening some guy from "corporate" calls my elderly mother and guarantees her account is in good standing and everything is fine... We still can't access her funds. She has not current photo id because she is homebound and elderly... They won't accept anything helpful and certainly refuse to work with us. So her va funds have been confiscated and she has no access to her money. So poor 83 yr old war widow can't get her money to live or pay bills. If i were not here.. How would she live? Netspend is a horrible company. Lying to an elderly woman is beneath contempt.

Same thing happen to me as i even forewarned 2 consecutive days that a merchant credit for a certain amount more than i purchased was to soon be credited to my account and both times each rep said ok and my card has no holds and will be processed once received. I even wrote a message from my account prior stating the details in writing and response was sent to me still prior to credit stating generic response of 3-5 days and willbe taken care of.

Well tuesday i wake to text alert of my credit, go to grocery store and boom embarassment and later find locked. When i told u 3 times twice by phone and written. Financial systems security... I think not! You processed funds that you knew would lock account and didnt provide me the correct information and mislead me. If it was unauthorized then you don't process regardless to take the proper steps for verification. And stop misleading because that is fraud.

I purchased 2 $500 reload packs a month ago but cannot load the funds onto the cards. I did the same things that the other complaintants have done per request of netspend and have not received an answer from them. And now they wont reply to my emails at all. Since then i have been evicted from my home and my bank account was closed due to indefficiant funds. I never thought losing $1000.00 would screw my life up that bad. And netspend dont care in the least

Banking regulations require financial institutions to monitor accounts for certain events. A merchant posting a refund to a different card than the one used for the original purchase fits that description. Your bank can't see the original purchase on the account, so it can't verify the source of the funds is legitimate. The process your bank is following is designed to prevent money laundering and theft from merchants. While I’m sure you’re not doing anything like that, the bank is just following the procedure it follows to protect the public and insure the security of its accounts.

If the situation can’t be resolved with documentation (like an original purchase receipt), the bank will likely send the money back to the merchant where you can return to get your refund another way. To avoid this problem in the future, insure that merchants only refund purchases using the card that was involved in the original purchase or in cash. That’s the rule merchants are supposed to follow and it will avoid these problems for you!

I have a Facebook group 1 million against netspend. Im trying to get people are of the, inmy opinion, deceitful business practices involving this company.

Netspend is a gang of rude bullies and thieves. Who gives them the power to steal and violate their own terms of service.I recieved a deposit that was locked immediately until I provided documentation to verify the source of deposit. I provided the documentation and the account was unlocked. some time later without notice it was again locked. netspend asked for id documents which i provided and acct stayed locked. when I inquired i began getting mysteriously disconnected frequently. they refused me any avenue to contact besides calling customer service and allowing the agents to ignore what i was saying and literally start from scratch every time. no person to contact no email no supervisors and no information. It had been many months and netspend just sits on my funds. They say that the depositor will not reply so that I must obtain a letter from the depositor releasing netspend from all liability for anything having to do with any claims i guess. i am positive that netspend would never sign such a letter. i told them to return the funds to depositor so I could recieve it. they refused. said i must provide some agreement from bank to bank and nothing to do with me and I doubt highly they would even accept such an official document from 3rd party anyway. So then I asked these thieves if they just planned to keep my money then? since the depositor has no claim or interest and theyyyy cannot talk to them as proffesional banks even but expect I can? for one if they need it its their job to get it. not mine. they are just setting unrealistic conditions. I ask if they would just be taking my money for themselves or what? thek said no they would hold it for like 6 yesrs and then turn into state fund for unclaimed funds and i could get it then! i said how will i find it there? what do you mean they said? when I claim it in many years how will i identify this unclaimed money? what do you mean? they say...well your telling me some nonsense about cant verify identity. and im right here asking for funds this is hardly unclaimed. well you will use your name they said...wtf? so youll say you cant verify me but youll eventually surrender the funds in my name as unclaimed. insanity. The terms of service allows just a temporary hold and that if not satified they would close account and submit funds by check to address on account or digital transfer to designated account. they simply leave me on hold endlessly until it rings again then cuts me off. every time they do this i must start over from scratch. Now I need money to help my family and ukraine and they dont cae

I am receiving the same problem, I have one digit off one my account and I am supposed to be receiving my return. Me and my kids are almost homeless, Now im for sure that we will be on the street. It is real hard out here. I even said i will email or seen all my infomation plus tax information also. it is supposed to be delivered in the morning but now i will have to wait 8 more weeks.

Absolutely most horrific experience. Nothing is more dreadful than receiving your tax refund on a the damn netspend card to activate it and find out the balance is zero. I did my taxes through turbo tax and at the end they offer my tax refund on a netspend card, so I'm like sure, NEVER EVER AGAIN. I went to order parts for my truck for $53 and I WAS DECLINED ON 53 DAMN DOLLARS! So, I called customer service to handle the situation only to be bombarded with ads until the department as if it was on purpose. I'm usually a man of great patience, but this experience pushed my patience to levels never experienced. If my situation is not properly taken of, then my lawyer and I will by sure to rectify this situation in court. This is not a mistake, its a crime and a federal one at that. Bank of America found out with its overdraft fees and Wells Fargo with its amazing account management. I am not issuing an idle threat! This is my tax return to receive from the IRS, I agreed for my return to given to me through netspend NOT TAKEN, which is a breach of trust and should be fraud.

I filed for my tax refund this year and netspend closed my account and sent it back to the irs. I called to inquire why it was returned and no one coukd give me an answer at all. I had to wait 2 weeks to receive a paper check from the irs. Then today i got a new netspend card and put $50 up there to pay a bill. My card cannot be activated. I call customer service and they transfer me to fraud dept. Fraud has no answer just that my account is closed and my card cannot be activated. This is the worst customer service i have ever seen. So they claim they are going to send me a check, wouldn't even give me the amount of the check and still no answer as to why my account is closed or why i cannot activate my card. So now i will have a late bill if they even send my check.

I think netspend and/greendot is owned by Citibank & another world Bank, ( its on back of card) which is owned by OSAMA BIN LADEN'S family & those banks have shareholders that are OSAMA BIN LADEN'S FAMILY. . . this is probably why netspend gives Americans so many problems-- cuz I think its owned by/ran by the BIN LADEN family.

Avoid Netspend, They are scammers. I now have to wait for my tax refund to be returned to IRS, and then wait again for IRS to send me a check. What a hassle and time consuming. I should of just had it sent to my bank account. Last last last last time to ever use these crooks.

My tax refund was put into the wrong account. I had gotten the account number from netspend to put on my return and then when i checked with the IRS and found my refund had been sent and it wasn't on my card I emailed them to find out what was going on. They gave me an account number to verify that it was sent to the correct account but of course it wasn't, but it was sent to the account that netspend provided me the account number of. I dont understand why they cant move the money from one account to another if it was their mistake, as it apparently was in several different situations atleast.

they got me too! 45.00 twice. Beware!

I just recently looked up at my statement, had to call my bank real quick. 4 charges or 41.94 from galaxia and 2 charges for iTunes. WTF? So my bank had to block future charges til i get a new card. effen jerks! go get a life!

WOW! I never expected to see so many ppl with the same problem from this scam freak. $1, 800 and several other smaller transactions later and here I am! They tried to bite off more than they could chew and the bank notified us of the larger sum before they posted it. Now its under investigation...hopefully we'll get all of the other monies back too.

We figured we were just hacked while trying to pay bills online... leading me to believe thats where they got his onfo.

According to his bank statement and some online digging... its a place from Seoul Korea, claiming to have office in NY...

[protected]
6911 Roosevelt Ave
Woodside, NY [protected]

Of course when I tried to call the number all I got ws a perpetual busy signal. Obviously the company info is just a front for what they are really doing. I have since copied all of the online info I have found and also all of your complaints from this forum and have taken it to my local police department. Also when the bank saw the list of similar complaints from other people being stolen from they were shocked. Once they realized this wasn't some individual scam situation that many ppl were involved... their whole outlook changed.

We'll see about that... Best of luck to everyone and if anything informative comes my way I'l be sure to share it here.
Pissed in PA...

We too were victims of this company, two transactions for 44.16 on the same day and they have another company that tried to take over $3000 via our bank card, all from Korea..our bank flagged the larger transaction but had to dispute the two smaller ones and it is just a waiting game..best to have your bank investigate and we also have no idea how they got our card information..very frustrating to see how much money they are getting illegally! Good luck to everyone who has been victims of these jerks!

I had two 74.34 charges from Galaxia. When I called my bank they told me that another internet company had tried that same day to make a charge of $ 3, 200. I'm trying to figure out how they got that card number. I recently switched cell phone carriers and to me that looks suspiciously close in business to ringtones. I switched from Metro PCS to Sprint. Any of you received this Galaxia charges after leaving Metro PCS or starting with Sprint? I know that it may not have anything to do with it but I'm just curious.

I too just had 131.00 charged through my debit card (visa) from Galaxia...I also had two more pending charges from iTunes. Needless to say I cancelled my card and sent in my dispute form. I'd love to hear if either of you have had success in getting your money back.

12/28/2009 cahrged 3x by galaxia. once for17.88 and 2x for 44.70. my banker told me it was used on itunes. did you ever have follow-up? How are they continuing to get away this?

While your bank is not responsible for the merchant's billing practices, they can assist you by helping you open a dispute claim against the merchant. Check your Terms and Conditions to see how the bank requires that you notify them. Usually, they just need you to call Customer Service and identify the erroneous charges, then send in a written statement. The bank will go after your money by filing a claim against the merchant. All financial institutions handle this kind of thing the same way. Don't blame the bank! They can help you against the merchant!

Thats not an unauthorized charge. An unauthorized charge is where you don't have any relationship with the merchant. What you have is a disputed charge. Have you gone back to the merchant to see what the deal is? That's where you should always start.

ON JUNE 20 I PLACED A ORDER FOR A ONETIME SAMPLE PACK OF PRO WHITE AND I DID NOT WANT ANY OTHER PRODUTS FROM ACTION PRO WHITE AND ON JUNE 30 THERE WAS A WITHDRAW AMOUNT OF 93.13 FROM MY CARD EVEN
AFTER I SPOKE TO THE SALES PERSON I WOULD LIKE TO HAVE THE MONEY PUT BACK INTO MY ACCOUNT. REF# [protected]

My name is Gary Rosenthal and Netspend stole 4, 200 on two cards and said too bad you reported it a month later

I have had the same issue as in the last part of April I had 4 unauthorized transactions on my account in Texas I live in Florida. I feel its an internal situation as I had ordered a new card after mine got destroyed in the washing machine. They people I spoke with to order the new card was with customer service. 3 days later my card was hit and all of my information was changed to a Texas adr. I have never lived in Texas at all. I had to do a dispute letter and get a police report. Needless to say I closed all accounts with these people. I will contact the State Atty General of Florida as well as Texas to get my money back. Also contact the FDIC as the cards are issued through MetaBank in Omaha Ne. Also I am contacting the FTC and the BBB in Austin against these people. They need to stopped.

I had the same situation. Over $800 + the $1 per transaction fee! Netspend did the same thing, and just kept pushing me around. They are supposed to be approved by BBB online, so I filed a complaint a few days ago with the BBB.