NetSpend
Reviews and Complaints

It states in Netspend in regards to overdraft -

Grace Period to Avoid Overdraft Fees: You have 24 hours from the first transaction creating a negative balance exceeding $10.00 to bring your account positive and avoid incurring an overdraft fee.

I was charged an overdraft fee on 3-6-23 in seconds and not 24hrs of a gas station over charging my card then crediting my account back. Netspend never credited my account back the $20 until I called on 3-8-23 (My account was in a positive standing prior to this charge) so it was less than the 24hr grace period stated.

On 3-8-23 again my card was charged a $175 fee from a gas station and was instantly changed to $15.06 which is how much I obtained in gas. Netspend instantly charged my account an overdraft fee of $20 and did not wait the 24hr graced period as stated. My account then was charged another $20 overdraft for a payment that was processed of $99, which when this payment was suppose to be processed I had a positive balance of $101 and some change. So there should have never been an overdraft fee for this charge. Then my account was charged another $20 overdraft fee for a $6 and some change charge. All overdraft fee's were added within seconds and not after the 24 hour period stated in there statements. I called an no one wanted to help they kept putting me back in the queue without advising, I finally spoke with someone who said that your account is charged instantly for anything over $10 and then within 24hours if you made your balance positive you will get $20 credited back to your account. However this is untrue because I didn't get my $20 back from 3-6-23 until today 3-8-23 after 5p.m. only because I called. If I didn't call the $20 would not have been credited back to my account. Now I have to pay a negative balance of $38.64 in order to add money and use my account. When the only reason my account is negative $38.64 is due to the two overdraft fees of $20 each totaling $40. If my account didn't have these overdraft fees, my account would be in a positive standing. I was promised my account would have the money back on it in 24 hours or that I should call back. Why should I have to call back for a charge that should have never been on my account initially in less than 24 hours. I talked to 4 people, the first person was very rude said she was transferring to a supervisor and did not, I talked to a second individual that went silent never said anything after I was talking and put me back in the queue, Third person was very sweet and didn't know what to do so internally transferred me and sent me to a lady that wouldn't help me at all.

netspend closed my account "due to supposed fraudulent activity andthere was $265.78 in it, at first they said they would mail a check out it had been almost 3 months now and every time i call i get the run around. initially they needed the source of funds, i emailed my pay stub that proved my employers direct deposit from ADP to my account to [protected]@netspend.com with the reference

number they gave me of #[protected] and requested the check be sent to my home address on the pay stub, after two months of nothing i called back and now they need a "letter of indemnity" from ADP and i cant get one! this is so frustrating, i worked hard for that money they should give it back to me ASAP

I filed my taxes on 1/18/2023 at liberty tax and got an easy advance that was required to be put on a deep blue debit card. The following day NetSpend closed my account with a remaining balance of $577 in it. I have called the 1-800 # 42 times to get this resolved. It's one excuse or lie after another. I am hung up on or placed on hold and sent back to the main menu.

On February 24th I called customer service for the deep blue account to close my account as there was two separate fraudulent charges on my account I was told that they would send me the remaining balance in my account of $314 and it would take 10 business days I needed to call customer service again because I still haven't received my check they told me that it was for $299 and 30% I said why has it gone from 314 to 299 and change she said there they charged me $15 to mail the check utterly ridiculous due to their breach of security I had to close my account and they're charging me $15 to send a check she said it was through ups at first I said I need the tracking number and I want to speak to a supervisor she was unable to give me either one then she changed her story and told me that it was sent to USPS and that I would receive it on March 9th I am disputing the $15 that was taken out of my remaining balance this is the most ridiculous company I have ever ever had to deal with in my entire life I'm going to go to consumer affairs on this as well as the better Business bureau I want my $15 refunded immediately as far as I'm concerned this company needs to be investigated right away. And I'm going to do everything that I can unless this is resolved to make sure that that happens. If you're any kind of proper business what if you Representatives will contact me immediately to resolve this issue.

I had a Brinks prepaid credit card, they stopped the card once claiming I had used it for business. Ok, I thought, so I got a Netspend Business Visa card strictly for business sake. The other day, I had just deposited $1500 on the Visa Netspend account and $500 on the Brinks prepaid Mastercard account, also a netspend business. By the time I got home, and went to make a purchase on the internet, the Brinks Card had been closed and the Netspend Card had also been closed on me. In trying to find out why and or to get my 2100 plus dollars back, they keep refering me to their customer service number, where there is NO WAY to get to a Agent to speak with. Netspend Visa Card Number [protected]/26 672. Balance of $1523.54 The Brinks MasterCard Number is [protected]/26 994 Balance of $623.10. I just want my money back. Please help me. Sincerely Thomas G Rude

I filed my taxes last year with Liberty tax service. The customer service for 1 is sub par. Anyway, I used their debit card twice and within 2 days noticed my entire balance was taken from my account in $1-$3 increments to the sum of $3000 plus.. I called and filed a dispute. I was told it would take 20 days to hear from them. It took many more than that. They granted me a provisional credit and it was done. I got mail from them saying the issue was resolved as fraud and promptly closed the account. I gave it a try again this year and got my taxes no problem and I go to use my card and it’s restricted. I called and they tell me that it’s been restricted because I owe $499 because one of the disputes was closed as “no error found” and if I wanted my funds released I had to pay that. I agreed to pay it with the understanding that my dispute be re-reviewed because I have screenshots of each transaction that was made on my card when the money was stolen so if the others to the same cash app account were resolved as fraud why would one not be?

The agreed and told me that they would send notice that I agreed to pay it and my card would be unlocked within 24 hours. It’s been 7 days. I’ve called 4 times. Each time being told that because I called MULTIPLE TIMES I would FOR SURE hear from someone and have my card unlocked, now it’s the weekend. I lost out on a place to live because I had to make my deposit 5 days ago for them to hold the house for me and I’ve not been able to. I’m on hold for them right now waiting to speak with a “supervisor” and the agent tells me “even if you speak to one they’re going to tell you the same thing.”

I’m so angry. I’m so ANGRY. they’re holding $4000 of my money over $499 of my money that their dispute team messed up on. Now payday is still a week away. I needed my money the day it came in and I have to wait 3 more days or more to be jerked around some more. There HAS to be something I can do.

Please help me.

I was a vitim of fraud. I had a former roommate use my account to open a CASH APP account and made 12 transactions over a 2 day period while I was out of town. I came home and saw al off of the notifications and I called the customer service number and the police. I filed a police report and I file a claim for the ZERO liability policy that Net Spend claims protects me. Well, the customer service rep was friendly and he assured me I would NOT be held liable for the loss of $500.00. I recieved a letter from NetSpend stating they are not going to cover the loss because thye said and ERROR never occured. I didnt report and ERROR. I reported fraud and unauthorized use which should have been covered by the Mastercard ZERO liablity clause. NOPE. Now they keep calling me to explain. They keep using the word ERROR! Not once have they said anything about the ZERO liability policy from Mastercard.

Previously, NetSpend has locked my account again and again. I received a refund and now every single transaction is denied. I am stuck in another country and really need access to my money for medical reasons and to buy food for my family. I have proven my identity multiple times and still they persist. I'm about at the point where I want to complain to the ftc and BBB.

On Feb. 12th 1:45 am, I ordered two phones from Aliexpress for $215.45. The transaction shows on my Netspend card #[protected] exp date: 09/26. I did not receive a confirmation from them, tracking number, the phones nor do they have that any transaction even happened. I have attempted to contact them through the App or Website to no avail. The only information is what is listed on the Netspend card transaction where it shows the $215.48 was taken from my card with these numbers listed on the transaction information # [protected] and [protected].

Thanks, J.R. Desselle

I've had a NetSpend account for over five years. About a year ago NetSpend's portal advised me that account info would be shared with (unknown) "affiliates," unless the member opted out. Of course I opted out, both on the portal and in person on the phone. It didn't matter! I started receiving ADs' and then call centers began phoning. On no less than two soliciting calls the callers disclosed that NetSpend provided my phone number. After complaining to no avail, I found another bank style debit card with no fees. It should be noted here that NetSpend's call center is located outside the U.S., and heavily staffed by unintelligible persons with heavy accents. I finally closed the NetSpend account by draining it down to a few dollars when they locked the account. Good Bye!

Then BIG PROBLEMS started. I started receiving phone calls from a multitude of SCAM Call Centers with heavily accented (mostly India) people. Now I receive no less than Three SCAM Callers per day seeking personal info. It doesn't help blocking their phone numbers, because the scammers spoof and share new numbers daily.

I have called 8 different times regarding proofs of identification - Including A) Driver's License - Social Security ID - Current Complete Bank Transaction & Status Information - USPS Federal Proof of Address - 2022/23 W2 Wage Paperwork - Birth Certificate - Profile Reference Information and Car Title. 8 different times this incredible amount of information was sent via Email to [protected]@netspend.com - 8 different times this incredible amount of information was verified and approved. 3 different Customer Service Representatives vowed and swore the account was open & able to use. 1 higher-up NetSpend Supervisor promised the card was reliable. THIS CARD IS STILL NOT ACTIVE! I am just wanting what is mine OUT of NetSpend immediately or my next step is an official grievance to the FTC. My number is [protected] Rhonda Claus

On Jan 21st 2023, $500 was transferred out of my account fraudulently. I never received a text alert letting me know my card had been used. I tried to use my card at the ATM it kept saying invalid pin. I then tried to log on to my online account and it was saying invalid password I had to reset my online account to be able to access my online account when I logged in that is when I noticed the money was missing out of my account. I immediately blocked my card tried to call Net Spend customer service but they were closed until the following Monday which was Jan 23rd 2023 I opened an online dispute they told me I would get an update by Feb 3rd 2023 I called on Feb 3rd 2023 to get an update and they could not find my current account. I was finally able to speak with somebody that let me know the dispute had been denied and they would send me documentation from their findings. The documents they sent clearly show my pin number had been changed, my email had been changed and my online password had been changed. This was done from a phone number not associated with me or my account and from an IP address in a different state. I called to have the dispute reopened. It was reopened and then closed again without my funds being returned. They also failed to issue my replacement card within 3 business days as promised so I was unable to access any of my money for about a week. I have asked someone from the dispute team to call me several times to no avail. They will say they tried to call but DID NOT. they lie & deceive.

Do not buy this card if you are not an American citizen! We are snowbirds and hoped to use this card for the next few years while in the states. We have been trying to activate now for over a month. Today I have been trying again and have been given the run around for over an hour so far. We have sent all the documents requested, and they have admitted they received them. We now have a bunch of money we loaded hen we bought the card we have not had access to.

On the date of (01/30/2023) I made a call to customer service, at (3:00 pm) and requested a funds transfer of 375.00, from my netspend card to another netspend card, the representative received all the information she asked of me, except the 3 digit security code from the back of my card of which the funds were to come from, this is not normal, as I have always been asked for that code since (2017), the transfer was completed without this vital piece of information, how is this made possible by this single representative, and not by many before her? [protected]@yahoo.com

I filed a dispute about unwanted charges on my car back in December 2022, they told me in an email that it will be resolved by Jan 9, 2023. It is now Jan. 30, 2023 and I have yet to recieve any eamil updates regarding said dispute. And i have become irritated because that is the card I use to pay my bills, and not having access to the money that is on my card is unexceptable! So I want them to terminate my account IMMEDIATELY! Be cause I am tired of waiting for them to do their [censored]ing JOB!

My name is Darelle Thomas my money was stolen off of my skylight Netspend card in December 2022 nearly 2000$ dollars the have yet to help me retrieve any of my funds back they said that they would do a investigation and their investigation consists of reaching out to the merchant that’s it they never did a proper investigation they have not called me nor tried to help me [protected] ro.[protected]@gmail.com

On 12/31/2022 I disputed two transactions. My online account shows an investigation for both disputes was open on the same exact day as I filed the claim.. Per NetSpends policy they state provisional credit for new accounts takes 20 days. Now wether that be 20 reg days or 20 business, Either way my account hasn't been given provisional credit yet and yesterday was 20 business days. My dispute isn't scheduled for another update until January 31,2023. Way past the 20 days NetSpend stated they would need to investigate before providing account holder a provisional credit. And obviously doesn't follow the policy. This is unacceptable and if NetSpend doesn't correct this issue.. I will be contacting the FTC filing a report.

Hey my deep blue debit card was closed out for no reason at all not with a courtesy call to say they was going to closed the account. The funds was needed badly… I was on the phone with the for 3 hours trying to resolve this problem but they kept telling me my account was closed out and it was nothing the could do but send me a check so I asked could the check be expedited and they told me no…. Completely unacceptable I’ll never open a card with them again

So I got my taxes done yesterday and the irs deposited 2500 haven’t used the yet they locked it and fraudulent stuff on my account so they closed it with out informing me and they can’t give me any kind of explanation keeps telling me that they can send me a check I’m 6 hours away from home to pick my car from the mechanic shop now I can’t and I no way home cause they did this to me

I bought this 'gift card' to make purchases online for my business. I use the profits from my business to buy the cards to make the purchases. So on 1/23/2023 I spent over two hours trying to activate the card that I paid $50 + the fee to buy the card. It kept coming up (when I tried the SMS code) as 'incomplete'. That was an hour's of work there for 'nothing'.

I spent another hour trying to call. Over and over again it said my card's number was 'wrong'. And, the phone kept 'disconnecting'. Finally... two hours later... I finally get the card 'recognized' over the phone as correct. Finally... it connects to an operator who demanded all types of personal information for a $50 card. I gave it over and over and over and over again; for another 45 minutes, this went on and on and on and on. FINALLY, she says she'll get the card 'activated'.

WRONG! This 'employee' says she can only 'activate' the card for a limited time and in person only! I told her over and over again I needed an explanation as to 'why' Netspend aka Metabank was doing this. She refused to give an explanation, only said... sorry.
In short, I am OUT of my profit that I need to operate my business.