Netspend

Yes, I would like an attorney to contact me. On Tuesday, I loaded money to my card to pay bills. By Thursday, 5 unauthorized charges in the amount of $272.70 appeared on my card from Yahoo for "computers". Each was for $54.54 and charged at an overseas location, so the charges included $1.81 for the overseas transaction. The rep at NetSpend told me I would have to wait ten days, block all transactions from my card and maybe after their investigation, I might get my money back. I asked, "In what way?" They again stated they might send me a check if they determined that these were in fact "unauthorized." Hey, it's my money. It's my card and I didn't authorize these charges. Period. Remove them and return my money immediately. I have real bills to pay and we are on a very tight budget.

How can you advertise that you are the safest way to handle money, yet when I have an unauthorized purchase, I have to go through hell to get my money back? If this were my bank, I would not have to wait ten days. The company verified that they made a mistake, and I still haven't gotten my money back. They told me I had to wait ten days - really, at the bank that that wouldn't happen? Netspend is a pretender.

I've been using Netspend for about 6 years now. Yesterday morning I noticed a transfer of funds totaling $154 from a George ** who I don't know, leaving my account balance at $448. Moments later, I got another text saying $243.32, after a $202.50 withdraw, and then another text saying $38.42 after a $202.50 withdraw, then another one saying $13.42 after a $22.50 ATM withdraw. Also I received a text saying that my pin had been updated and, "If you did not authorize, please call." So I called them on my way to work and they blocked my card. I told them I had to be at work at 10am and I would call later. So I called them on break, after speaking to 2 reps, I got to the fraud dept. and I told the rep my problem.

The rep started to drill me asking me if does anyone live with me. I told her yes, that my brother who makes 2 times the money I make, who has to be at work by 6am, who would have to had left his job 25 minutes away, come home get my card, change the pin, make 3 ATM withdrawals, come back home and return the card. I also tried to tell her that the card has never left my person. She told me I have to write a dispute letter, file a police report, and fill out an affidavit form (that she was supposed to email me yesterday and I haven't received yet), and fax it in. It will take up to 10 days. So I went back to work and I went online and looked at my account. I saw the ATM withdrawals are from a financial institute in Miami, FL, and being that I am in Michigan and never been to Miami, FL., I am thinking I can resolve the issue quicker without filing a police report.

I called them back this afternoon around 1pm. I spoke to 3 reps, and told them my story; each one sent me back to the automated system to put in my pin that I changed online before I called, because I was told I should. So I told the guy from the fraud dept my problem about the ATM withdrawals being from FL. At 8am, and 11pm the previous night, I had a debit card use at a local store here in Michigan. I am thinking maybe he would see the ATM withdrawals from FL are frauds. He was really nice and saying his hands are tied, and that I still had to go through the process. I am sitting at home with no money, waiting to attend my brother-in-law's birthday party with no money, no haircut, no present to take him. Thanks Netspend!

In my entire life, I have not had a more frustrating time than I have had in the past 48 hours. I have contacted Netspend's customer service five times in the past two days. I was not told by the customer service agent, who helped me file the dispute against U-Haul, that my card would be cancelled. On April 17th, I got stranded in Chicago because I was unable to access my money to get a train ride home. I was unable to get food or drink while I had to ask favors so I could get home. I called the customer service line and when explaining my position, I was told over and over again that nothing could be done. I was told my card could not be reactivated and if I wanted to access my money, I needed to buy a new card. It did not phase the supervisor that I spoke to that it was impossible for me to buy a new card when my old card had been cancelled and Netspend was not doing anything to allow me access.

The supervisor told me that if I go to a Speedway gas station, they were authorized to give me a free card and it would only take seconds for my money to be transferred to the new account. I scrounged up my last bit of change in my house for gas money and made it to a Speedway, only to be told that the supervisor had lied to me. I called up the customer service line, where I was given totally different information. Even though I explained my position to the next supervisor, he suggested that I call up a friend and ask him for money to get a new card. If I had been able to do that, I would have done it in the first place. He then suggested that I give my cellphone to the cashier at the gas station and ask the attendant for a favor by allowing me to get the card and hook it to my account. He told me that when I get a new card, I had to activate it and I would be able to transfer my money over to it.

I needed money to get my card, so I took my Nintendo Wii console down to a pawnshop and I had to pawn it, racking up a 20% interest fee to get my console back. I bought the card, activated it like I was told and went to make the transfer. When I went into the original account to make the transfer, it told me that I had to have an active card in order to transfer money off of it. When I contacted the customer service line again, I was told that the card had to be activated on the account that the card was cancelled on. Again, this time, I took a video game that cost me $50 to purchase, sell it for money so I could buy a third card to add to the account. Keep in mind, this is what Netspend supervisors told me I had to do.

I got $14 for a $50 video game, got another card and tried adding it to my account. This account would not allow me to do that. I tried calling the phone number to see if I could put this card on that account and was told I could not do anything on Netspend's automated system because of a hold on my account. And since the call center was closed, I was unable to talk to anyone. I needed gas money to get home, so I had no choice other than to activate the card separately so I could get home.

Now, I am at home, I have pawned a video game system and sold an expensive game because both times I had to get money to do things that Netspend supervisors told me to do. Right now, I cannot access my account nor can I contact them on the phone. Because of this, I will miss my train because I don't have any money to pay for the gas to get to the train. This means I will miss my morning college class and this will adversely affect my grade. I have never in my entire life dealt with such stupidity. I have done everything that Netspend had told me to do in an attempt to access my money. It has ended up costing me more money than it should and this has been a total nightmare for me. This has gone on too long and is the most ridiculous wild goose chase I have ever been on. Right now, I am trying to figure out what I can do so I can get to school. In 37 years, I have never seen such a wretched service provided by any company.

On March 30, 2012, I purchased for $547 airline ticket through Vayama.com. The following day, I received an email from Vayama that my reservation was canceled because my card was declined. I called the customer service contact number that is on the back of the Elite Visa Card and they told me that the funds were pending in my account and that they were waiting for the merchant to collect the funds. I faxed the cancellation email that Vayama sent me, as well as several emails with the cancellation information that Netspend customer service was requesting in order to release my funds.

Every time I called Netspend to check if my funds have been added into my account, they kept telling me that I needed to send an email with the same information over and over again. It has been over two weeks that I have been going back and forth with both departments trying to resolve this issue and I haven't seen any solution. My purchase wasn't honored, I lost my flight and now I'm struggling to get my money back. It's ridiculous! I don't understand the reason why this is taking so long. I've been losing my time and I'm over stressed with this situation!

I added my boyfriend to my account as a secondary card holder. Mind you, I have maintained my account for over 2 years. His first direct deposit was from the IRS. Netspend required speaking with him. They asked him several questions which he gladly answered. That was not good enough. They wanted a copy of driver's license and SSN, which he provided. That was not good enough. They wanted a bill or the lease. We sent the lease. That was not good enough. So we sent a bill and they closed my account.

Mind you, I get my pay check deposited every week. They refuse to help and claim to know nothing about corporate that there is no one over the managers. I agree Netspend does need to be sued on what they do with people's lives and money. I am willing to go all out; go to news reporters, court, everything. Something needs to be done!

I just signed up for Netspend to use for online purchases to protect my checking account and real debit card. I used their instant transfer service charging two transfers to my Chase MasterCard. Both times, it stated that they experienced a technical issue, try again. I try again and it never goes through. 4 times total. Well, to find out two days later, all 4 times it did go through, they charged my card.

After spending 2 hours on hold, they tell me they have no record of my card number in their system. Funny, when I go and log right back into their system, my Chase Debit Card number is right there on the account. After calling back and again sitting on hold for another 2 hours, they tell me that they are filing a dispute form and that they can take up to 45 days to investigate.

This company is truly a scam bank. They are using customer funds to finance their operations. Amazing how the CEO of MetaBank (Netspend), which is a private bank, is paid $10,000,000 base salary according to their FDIC Filing. They now charged and collected $300 of transfers from my Chase Debit Card. Yet, they have absolutely no record of my debit card in their system. Yet again, when I log into their system, right there is my debit card info along with the original $3.95 charge they charged me to get a personalized card.

I would love for an attorney to contact me. If they choose, I would love to get a class action going against this company since it's obvious from all of the complaints that they are preying upon people that can't get a regular bank account.

February 13, 2012, I went to Ace Check Express and tried to cash my check. The lady convinced me to load it on NetSpend Elite Card. She charged me $500 check cashing fee, withheld $1,400 and loaded the rest on three different cards. I've e-mailed and called, no one will return my messages. So, I'm out $2,000 from Ace.

The NetSpend cards charged me between $1 and $6 dollars a transaction. I had 3 merchants that needed to refund me money they're still pending and won't release the money, there's another $600. My card was used without my authorization, I filed a dispute. NetSpend credited me $250 out of the $2,500 I disputed. I was trying to take money out of my account and I was denied. I called NetSpend and they told me they closed all three accounts due to the dispute and will mail me a check in 20 days and won't tell me the amount.

That was all my money. I have no money for 20 days. The bills I paid with my card didn't clear, including rent. What am I suppose to do? I've called merchants, filed a complaint with FDIC, BBB, etc. I am a single mom with a 2 and 4 year old with no support from anyone! No one will help! I'm through!

I had my bank card ID stolen somehow and live in Colorado. My entire paycheck is gone and I called to tell them. I have possession of the card. It was never lost and no one has access to my info regarding this. These transactions all took place in Texas where I have never been. You can see that transactions were made at the same time I made some in Colorado.

I cannot speak to a live person, have requested names, bank representatives names, who is investigating and no response. I get canned emails no matter what I write. I keep getting asked for the same things and keep attaching the same documents. I attached a dispute letter, bank statements, highlighted the fraudulent charges, my signature, a picture of me, police report and nothing. Twenty two charges were made and you are going to tell me not one video, signature or fraudulent name hasn't come up? Please help.

I am in tears. I want my money back and they won't give it to me and keep pushing the dates out. It is clear to the police what happened but they cannot do anything because the transactions took place in Texas not Colorado. Who can I contact? My loss was almost $1500 and cannot pay my bills. They just ignore me. How can I get anyone to help me to get my money back?

My 13-year old received this card in the mail. The only way I can get through to customer service is to activate the card, which is not going to happen. I do not know how it can be seen as good business practices to send a child a prepaid debit card.

On 3/4/12, someone in MD stole my card # and used $442.11 for Newport cigarettes (I do not smoke) at 2 different locations, 3 transactions. I have never lost sight of my card. When I woke up, I started receiving alerts to my phone from NetSpend indicating I now had a $0 balance. I was outraged. I immediately Googled the places where my card was used in MD and David ** at the Pilot stated someone came in and used the card. He told me what was purchased and told me to get a police report so he can pull the footage and provide it to the local authorities.

I then called NetSpend. They were no help. They said wait till the charges go through and CBK. I waited till the next day then called them back and got a reference number. The representative was really slow. She told me that only 1 charge had gone through and I needed to CBK once the other 2 went through. I waited a couple of hours and the other 2 went through. I called back and spoke with a rude manager by the name of Chris who told me not to get upset. I then spoke with Red, ID#** who didn't have a clue. They told me to fax in a letter signed stating I didn't authorize someone in MD to use my card. So I did that along with faxing a copy of the police report.

Here's the problem. I got let go from my job on 02/22/12. That $442.11 was all every dime I owned. Next issue, my last check will be deposited on the 14th, but guess what, I will not have access to that money till around the 22-25 of March. The issue, I live in Atlanta, GA and the last place my card was used was at Chow Baby, Atlanta, GA earlier that day. I've never been to MD and I wouldn't purchase $442.11 worth of cigarettes. I'm trying to be positive, but **, no job then someone clones my card. I have no money. I need to be refunded ASAP. Do not use this service/NetSpend! We need to all get together and do a class action suit to get our money and identities back. Any lawyers or interested parties in this case, please contact.

This so-called bank is a huge rip-off. Buyer beware. I had charges to my card back in January from PayPal. I have never had a PayPal account. First, I called PayPal per NetSpend's outsourced representative suggestion. PayPal acknowledged the fraud and said I would be refunded ASAP. In mid February, they (PayPal) said the money had been charged back and I should have gotten my money returned. I had not, so I called NetSpend who gave me a run-around story and said it takes 45 days to resolve and refund the money. Today, I called NetSpend on the 45th day. They informed me that I did authorize the charge and that I will not get my money back. PayPal said they refunded the money. I called NetSpend again, and they said after 2 years with them, they have chosen to close my account and will be issuing me a check minus any fees at the end of March. I have direct deposit from SSI. They totally have my money from PayPal and I am not letting this go. I hope an attorney does contact me. I want to sue these crooks.

No access to my funds - For the past week, I have no access to my online account and cannot use any money that is on my card! I'm leaving for France and cannot book my flight. I also have monthly prescription medicine and I wasn't able to buy my meds. I'm furious, this is a major inconvenience!

Held money from Social Security - I cancelled my account within January and opened a new account with a different bank. Social Security sent my check to the closed account. They refused to send my money back to Social Security. They said they would send it in 20 days and charge a $5.00 fee. From what I understand, they are not supposed to do that. They are supposed to return the money back to the Social Security office.

I lost my Visa debit card. I called for replacement. I was told I couldn't access my payroll unless I purchase a temporary card until replacement arrives. New card arrives. They refuse to link the card to the account that my payroll and said I have to start with this account because I activated the card, as they instructed me to do. I lost all the benefits of no $1.00 fee for use of the card, $5.00 monthly fee and overdraft protection. I had already paid my monthly fee and I was eligible for overdraft. They refuse to honor anything and continue to charge me $1 if I didn't pay the $9.95 for the fee advantage plan.

When I try to check balance, I was told there is problem with my account. Also, no website is willing to accept their lousy card. Fix your ** up or mail me a check for money left in this useless card. I have a printout of remaining money so don't try to lie that there is no money or I will see you in small claims court.

I was laid off of work. I had my tax refund deposited to the savings account portion of my debit card before I was laid off. They refuse to transfer the $2300 to my regular account so I can use it, because I have already done 6 transfers this month. Their terms and conditions say in black and white they can do it in an emergency, but they refuse to give me my money. A supervisor this morning told me it would be transferred today but another says they can't. There are no managers on duty until Monday. It's my money. It's written in their terms and conditions. Can I sue them?

I called Netspend, because they blocked my account. I wanted to know why. They said a rental company had charged my card $687.00. I tried to tell her my card was stolen, together with my ID, and that I wanted to dispute the charges. I could barely hear her, so I kept asking her what she said. She began hollering at me, and told me to call the truck company. She didn't say where, or anything. The agent for Netspend was very rude. I'm closing my account, and if anybody has any sense, stay away from them. They also screw up your deposits, steal money from your accounts, and say they don't know what happened to it.

Netspend has sent me a card I did not apply for. Please remove my name from solicitation and stop sending cards which are not applied for.

I brought this card in a hurry to put money on the phone for my boyfriend who is in jail. I put exactly $25 on the card because with jail calls, you have to put exactly $25 or $50 onto your prepaid phone account. I was not able to use the money on the card and the owner of the store I brought it from did not want to give me my money back. I had to call Netspend 50 times before I finally talked to someone! Then they told me my card was not activated, which is a lie. So the card was now "activated and could be used anywhere". I tried to use it again online and over the phone, with the same result. I called Netspend and they think it's funny that I'm angry and said that if I want to use the money on the card, I had to add 3 more dollars. Oh yeah, that's brilliant! I am sticking to Greendot from now on!

It seems no one knows what they are doing at Netspend. If you try to get a hold of a supervisor, don't hold your breath. The ATM ate our card. While that was not their fault, well maybe it is, maybe it is not. Ask anyone at Netspend and call their help line and then call back, you will get a different answer. They are basically holding our funds hostage right now. They are refusing to let us transfer funds to another card. It is our money and what does it matter, we should be able to access it.

One minute a customer service agent says that yes you can and just do this and call back. You call back and a different rep says that no you can not do that. We cannot even access any of our money. It has been a traumatic nightmare, scraping by just to survive. You should be ashamed of yourselves Netspend. We are pulling all our money out of our account and are going to deal with a real bank. Not a mickey mouse poorly run shotty organization. You have a lot to learn about customer service Netspend.

I don't really know how to express my thoughts of what has been going on with this issue I am having to deal with with Netspend. English is my secondary language. On the 3rd of February, I purchased a prepaid card for $100. I tried to load it on my Netspend card, and they said the number was already being used, so I went through a whole bunch of loops calling agency to agency, trying to figure out where my money had gone. This is half the problem. I've direct deposited my tax refund to the card, and the amount I saw in the internet was not the same as the amount I was promised to get from IRS. I've also been trying to use the card at stores, and all they say to me is my card is declined, and that I don't have money in it. Please if anyone can help me, I would surely appreciate it.

I received a Debit Card from NetSpend at my address. However, the name of the individual on the card "Does Not" reside here. The NetSpend card solicits that the card holder activate the debit card. This is a potential fraud against the unfortunate individual listed on the card. I called NetSpend and succinctly ordered them to remove the address against the name of the individual on the card.

My concern is NetSpend does not practice "Due Diligence" to ensure that people they send their "unsolicited" cards are accurate. In addition, the individual named on the card may be a person who has no idea their name is being used against a random address, for whatever the reason, it cannot be a legitimate reason to exist.

There is too much fraudulent practices by criminal people preying on innocent consumers. Companies like NetSpend make it easier for criminals to practice their illegal craft. Therefore, NetSpend is as guilty as the criminals themselves.

I called NetSpend and told them that I expect my call to be elevated to their management. I also expect that my address be removed from association of the individual named not the Debit Card NetSpend has on their record. I also assured them that if they continue their practice of not doing "Due Diligence" to protect their customers and consumers. Eventually, it'll result in criminal investigations against them.

I am submitting this complaint to make all others aware of my experience with NetSpend and to be aware of the type of practices companies like NetSpend do ... that potentially be damaging to the innocent consumer and damaging to the security of free enterprise and business.

Netspend is a joke. I really cannot express my frustration regarding this case. Every time I call, I have to explain myself over and over again to each representative that takes my call. Each person has a different story and the dates from the system do not match with the real dates of the transactions and emails. I was supposed to get a temporary credit in my account by the end of the business date of January 20th, 2012. It is January 24, 2012 and nothing has happened yet. It's very disappointing and upsetting being promised something and not received what was promised.

I do expect to get a credit by the end of the day today for the entire amount that is on dispute and if this doesn't happen, I would like to request a review of all the calls that I had with over 10 different service agents especially the one on Friday evening where the gentleman from disputes told me that "the transactions are done at the end of the business day so your temporarily credit will be process on Monday. If you don't see the credit on your account, please give us a call". Obviously, after not seeing the credit on my account, I called and I was put on hold for over 2 hours and a half (2 different lines) and at the end of the conversation, nothing was resolved. I was told that my account manager called me and left my a voicemail. Obviously, I couldn't answer the call because I was on hold waiting for someone to help me. The voicemail said that she just got my case and it can take up to 10 business days. Is this a joke?

On Tuesday, I called to follow up again and spoke with Gary, account manager. I was on the phone once again fro over 2 hours, which 1 hour and 30 minutes was me on hold. At the end, nothing was resolved and I was guaranteed that I will be receiving a call from my account specialist the following day (1/25/12) because they do not have contact internally to other departments on the same company (what type of company is this?). On Wednesday, January 25, 2012, I tried contacting the Manager Gary, the same person I spoke with. Unfortunately, I didn't have any luck and I spoke with another account manager or supervisor which once again apologized and promised that she will get the account manager on charge of my case to call me before 5PM central and if that doesn't happen, she personally was committed to call me back. None of the 2 things happen.

At 4PM, I called back because I didn't hear back from anyone and even worst, I got the rudest person on the phone. After 45 minutes on hold, this lady said that she was not responsible for the comments of the other agents, but she was responsible to "educate me". At this point, I have no words to express how disrespected I felt. After she said that, she decided to hang up the phone on me. I just couldn't believe it. I kept calling, trying to talk to someone before 5PM, time that the account specialist closes. Here we go again, I was placed on hold for 1 hour and 32 minutes until I was transferred to Sophie (the only employee who gave me her ID). She told me that my callback was still open and I was getting a call back before 8PM because that's their closing time (once again, I don't know who to believe. The other 4 managers said that the department that can help me closes at 5PM. I have been told another lie).

Thursday 26, no call yet and after another 2 hours on the phone, nothing was done and was again, all story had changed and nothing was recorded the past 3 days. Once again, I can't really express my frustration and disappointment with this case and the service that I had received. During my calls of 2 hours and 30 minutes hold, all I keep hearing is your recording when you promise the security of your account and if you see anything suspicious, the account will be block and blah blah blah. I didn't see this happen especially with PIN purchases from subway and Office Depot in Miami and over $1000.00 were taking place almost at the same time in Maryland. All the documentation they required was sent: Police reports, notarized info, fax with transaction numbers and amount and they confirmed that everything was fine. So I'm not responsible for the internal management of this documents, I got an email conformation that they got everything on January 10.

I work in the customer service industry and I know that there is always something that can be done for the satisfaction of the client. Trust me, after 10 calls saying "I'm sorry, I understand your frustration" is not enough.

I have been with this company for over four years. I have had unsatisfactory customer service in the past more than a few times. I have had overdraft charges posted to my account when there was clearly a positive balance in it. This last episode in regards to my tax return deposit takes the cake. I received a new Mastercard card in the mail from Netspend in the last week of December. I should have already known something was fishy about it because I did not order this card in the first place. The card that I use on a regular basis is my Visa from them.

I filed my taxes electronically, and entered the routing number and account number from the direct deposit form that Netspend had sent me with this new card. After I submitted my taxes, I called to activate the card and was told that there was a block on my account. How? No, seriously, how can you block an account that hasn't even been activated? They told me that this card was connected to an account that I had a year ago. They said I owed a balance of $64.34 on an old account and they would not activate my card until it was paid. My thing was, if there's a refund deposit of thousands going into this account why not take your money off top like they always do and activate my card? They said no, that I would have to pay.

This bank had over $4,000 of my refund money on a Friday. They took out not only their $64.34 out of my money, but they had the audacity to take $99.51 out of my money for a negative balance on my Visa account. My Visa account had nothing to do with my Mastercard account. There is a direct deposit into that account every month and they automatically get their money when that deposit comes in. I said, "Okay, whatever! Just give me my money." They refused to activate the card they sent me. They refused to transfer my funds to my Visa so that I can have access to my funds. They had been holding my money not theirs, but mine since Friday January 20, 2012. They informed me they could close my accounts and mail me a check for the balance.

They informed me that they could transfer up to $1,000 a day into my Visa account and charge me $4.95 for each transaction. They also informed that the account number to the card they sent is not the same account number that my deposit went into and they could mail me a card to the proper account number. This is their mess that they created and they have done nothing to make things right with me the customer but continue to delay access to my money.

I do not advise anyone to use their services at all for anything if you have bills to pay by a certain deadline. If you choose to do so, your services may be disconnected and you and your family may end up on the streets. These people do not care. I have searched this website and filled out my registration to file this complaint and have typed this complaint, all while still holding to talk to a supervisor or the manager Jake that hung up on me the first time I called this morning. Very disappointed customer

I loaded $1900 to a Netspend debit card. I received no money on various ATM withdrawal attempts totaling $1800. My card was debited $1800. I filed a dispute. They paid me back $800 but refused to pay back the other $1000. I feel very much robbed! I want my money back. I was evicted from my apartment and my cellphone has been shut off due to this situation. I am now homeless and unemployed. I just want my money back. Can you help me?

Netspend allowed a person to person transfer from my account to another Netspend account. Netspend representative said that they were aware that there were fraud based transactions, but still allowed the transfers to take place. Netspend has not attempted to return the money to my account even after the police report. Since Netspend is not regulated as a bank, the company doesn't have to follow the same banking regulations. I guess since Netspend did nothing to protect my account, my hard earned money is gone.

I am filing all the complaints and trying to warn as many other consumers to use a traditional bank, so you identity and money can be protected and you will have some recourse to have your money returned to you and that criminals can be prosecuted. Netspend doesn't have your best interest in mind but are there to protect fraudulent activity that occurs under their company name.

Netspend is a nightmare. They take tons of money out on each withdrawal. They charge you every chance they can. Their support teams are outsourced idiots that can barely speak English. Nothing that they do is uniform. It's always going to be different each time, different offshore deuce does different weird things each support call. I am all good to go back to Chase in about a month! Netspend also imposes all types of limitations like 3 debits a day, which is ridiculous. They just suck all around. I can't wait to get back to Chase. They work fine. I never know when to expect my direct deposit especially since Netspend changes my deposit date every month. This place sucks!

Someone by the name of Amy **, possibly a Netspend employee, initiated a cardholder to cardholder transfer, depleting my account. My password and PIN were also changed by her, I can't access my account. My card has never been out of my possession. In order to do this, she had to have my user ID, my password and my PIN, which I had just changed the night before (12/22/11), nobody knew the new PIN except me and Netspend.

I called several times on Friday to dispute and went from person to person, with no luck whatsoever. They keep sending me inbox messages, but I don't know the new PIN this person has put on my account so I can't read any of them. I was given a new password, but I can only look at my online statement. In order for this Amy ** to transfer my money to herself, she needed my user ID, password, PIN, and three-digit code from the back of the card, information only Netspend would know, especially since I had just changed my PIN the night before, and had not used it anywhere!

I logged out of my Netspend account, turned off the computer, and went to bed! On Wednesday, December 21, 2011, I started seeing IVR balance inquiries (automated phone calls). I did not make these calls as I get e-mail alerts on every transaction, and have Internet access on both work and personal cell phones, I have not used the automated phone service since July 2009!

Now, in order to obtain balance information over the phone, you must have the card number, as well as the PIN. Once again, this card has always been in my possession, nobody other than myself has even touched the card, and I do not give out my PIN, nor do I enter my PIN in such a way that anyone except God himself could see it. I was told to fax a dispute to them. That's impossible, since I have no fax machine, nor do I have $4 to have it faxed, since this person stole all of my money. I have filed complaints with every agency, government and otherwise, and tomorrow, I will file a police report if I can find someone to let me borrow $10 to do so. My next step is legal action! I will get my money back if it kills me!

After being with Netspend since 2009, today I received a text message alert that I had unsubscribed from anytime alerts. I called to ask how this happened and was told that I never listed a phone number even though I have a balance message from earlier this morning. While on the call, I tried to log in to my account online only to find my password not accepted. Nathan told me he was resetting my password and sending it to my email. Once I changed the password, I saw four $0.50 balance inquiry fees which I did not initiate. I called back and got Marie whose only security verification was to ask my first and last name. She told me that I probably pushed the wrong buttons despite me telling her I hadn't called at all on these dates.

I immediately went to an ACE cash express to withdraw all funds and block the card. The nice rep there called Netspend for me (on speakerphone under the glass partition) as I was no longer willing to speak with reps outside of the US. After 20 minutes on hold, Phil answered and told me the account had been blocked for an hour-- impossible since I had just took out all of the money 21 minutes before and I could speak with the fraud dept to have the hold removed. Tim came on the line and proceeded to ask me security questions that I refused to answer while I'm calling because I think my account has been compromised on speakerphone with folks in line.

The store rep let me into the cage before actually entering her office and once I verified the information, Tim told me that my information was compromised, duh. He then told me that I had to fax my driver's license, social security card and a utility bill. Not going to happen. Keep the lovely $8.74 in the savings account and close my account. I hope there is an investigation into this company because unless you are familiar with Netspend practices, how would you know to disable transaction notifications before you try to steal someone's hard earned money?

Buyers, beware. In my opinion, NetSpend's practices and procedures do not work in your favor. I went online to order a pizza and got declined after entering my NetSpend credit card number. I was shocked because I knew without a doubt that there was plenty of money on the account. After being declined a second time, I checked my NetSpend account online and found that two unauthorized charges were made to the account--one to a company in China and I live in Dallas.

These two charges cleaned out the account on a Friday, leaving me broke for the weekend and the following week until I got paid again. I called the NetSpend support and filed a dispute. Their disputes take two months to process, unlike any other bank I have ever done business with. My dispute was supposed to be finalized on November 25th and I am still waiting. I have already moved my business and direct deposit to a reputable bank that is local, and as soon as I get my funds back, I will be closing this account. I hardly ever say never, but I will never do business with these clowns again.

I have a merchant refund that was processed on 11/19/11 from Aaron's. I have the confirmation number. I spoke to several rude reps from NetSpend who basically acted as if I am trying to steal my own money and told it takes 3-5 days, etc. One rep slipped up and told me they had it and were holding it then I heard her sup say something to her and she retracted it. I am done with this company! They also have been holding my payroll deposits for a day extra also.

I tried to withdraw money from my ATM, and I received a receipt stating, "A communication failure has occurred. Please, try again later." This happened at 7:18 AM. At 9:18 AM, I got a text message from NetSpend stating that I made a withdrawal and I received $300.00. It never happened. I will call on Monday because I could not understand the phone person. Maybe I will talk to a supervisor.

I have called 2 times. Each time cost me $0.50. I wouldn't be calling if I didn't need to speak to someone about them crediting back my husband's account. I bought or thought I bought a dress. The company never received the order, so Netspend put the amount of the dress ($33.12) on hold supposedly for 3 days (placed on Saturday). Four days later, the amount was still on hold! I have his card. I have the pin, everything. He is my husband. They won't even answer any of my questions or tell me why they have credited the account. I asked for the credit plus $1.00 for the two phone calls I have had to make. We have online access (free). That's how I have been checking if the account was credited. I am so upset. Just give me my money back.

My son, a 13 year old minor, received a Netspend solicitation card in the mail with an activation request. When I called Netspend to find out how they received my son's personal information, I was informed that it was obtained from a 3rd party such as a credit bureau. Netspend would not provide me with further details. My son did not request a debit card from Netspend.

I'm overall fairly satisfied with NetSpend minus one significant bump. In 2010, I checked in to a hotel for a 4 night stay using points from the hotel's reward program. I presented my NetSpend card for "incidentals" as is customary. The hotel authorized $250.00 for said incidentals.

Two months after checking out of the hotel, NetSpend had still not released the hold on the $250. This is because we never had any incidentals to bill on the original authorization, so NetSpend seems to just hold hotel authorizations and holds indefinitely.

It took several calls including getting the accounting person from the hotel on the line to tell NetSpend that the transaction is settled and I owed the hotel no money before NetSpend agreed to release my money. Even then, the representative described it as some special one-off courtesy. Oh, really? Like I am now indebted to them for releasing my money to me? So be aware, if you intend to pay with cash or other, on hotels, rental cars, etc. Make sure the initial authorization gets settled with an amount so the rest of hold will be released.

I recently obtained a Netspend card to directly deposit payroll, etc. After reading all these complaints on this site, and talking to several people I work with who have had similar issues that have still remained unresolved, some over a year later, I've decided that this company is not worth the risk. Thank you all for being vocal and not just letting these issues 'go' without letting others know about them.

I have contacted Netspend on numerous occasion and still is getting the runaround. I have fraudulent charges on my card. I called them to place my card on hold and was told there would not be anymore charges. I looked at my account the next day and there was another charge. Upon contacting them the second time, I was referred to the dispute department and they were closed. Then, I was asked to call back on Monday after Labor Day and I was told to fax a letter stating that these were fraudulent charges. I faxed the letter and then I called back on Tuesday, 09/06/2011. I was transferred to a supervisor. I was told to wait until 09/07/2011 to verify that my letter was received. I called back in on 09/07/2011 and was told that it will be disputed and give them 10 business days.

I then called back after 10 business days for an update and I was told it was still pending, that I could check online to see if there were any new updates. I then waited 10 more business days and called back. I was told this process would take 90 days. In the midst of all of these, I've received two letters that Netspend have begun processing my dispute. The letter stated that domestic merchants have 2 months and international merchants have 3 months to respond. These charges happened in the UK (not Texas where I live). The letter also stated that if they did not hear back from the merchant, I win. But if Netspend receives a response from the merchant, they would contact me to discuss the next step.

Well, I guess Netspend's way is not customer service via phone, but to avoid resolving this matter via letter. I received another letter today requesting additional information from me. In other words, I am being asked to do their job. Why would you ask me to list the transaction, when it is clearly stated on the letter, the date, company and time? Why am I being asked the reason of the dispute (explain why you are disputing this transaction)? Did I not explain this in the signed faxed letter? Yes, I did.

This is ridiculous and bad business practice to make your customers continue to repeat the same steps that have already been done. The signed letter was faxed and sent but Netspend is still using the stall tactic to refund me my money.

This was horrible and I feel violated and robbed. I paid a fee to load my card to purchase an exercise equipment. Netspend erroneously did not authorize the payment and I was notified by the equipment company. I was charged a fee to call Netspend and find out what the problem was. They never offered a valid reason why this happened but they restored the account, called the equipment company with me on the phone and again the process started for them to make the payment for my purchase.

A week later, the company called again and said that the payment has not been authorized. Again I am charged another fee for calling to find out what the problem was. At this point, I am offered no real results and I wanted to talk to a supervisor. This was when I was told that if I wanted to talk to a supervisor, it's probably going to be a high call volume. Now, I am totally upset and I express that I just want to take my money off the card, but I am notified that I will be charged, yet another fee.

NetSpend is a rip off company. I have had this card for three months or more and I have opted to get the overdraft protection. Don't ever do it. It's a rip off. I have met the requirements and they change the rule every time I call. They are full of **. I will stop my direct deposit from going to this card. Buyers, beware. They charge you double to spend your own money!

I attempted to dispute a charge on my NetSpend card. The charge was from a rental car hold in the state of Washington. I sent in the dispute forms and a copy of the receipt that I received upon returning the car, which documents the total amount to be debited. This dispute has been open for nearly 100 days; they only allow disputes to be worked for 110 days, which means that the case will soon be closed. I sent everything they asked for, and they still won't assist. They sent me another letter requesting information that has already been sent.

I tried to activate a prepaid Visa card and the customer service department not only wanted my Social Security Number, address and mother's maiden name, but they also wanted me to fax them utility bills, copy of Social Security card and license. It sounds fishy to me. Why would a prepaid Visa with my own money want all this information? I have purchased prepaid Visa's before and no one has ever asked for these items.

I told them to forget it. However, I did release some personal information to this company, thinking it was standard procedure. Then, I finally realized, after they wanted a fax copy of my SSN and license, that something was odd. I am concerned about identity theft now. Please help.

This is what I sent the thieves at NetSpend: I will not allow you or them to take money from me period. I never allowed them to take that $80. I could care less about your policies on forced debit from my account. I'm not going to ever use this card again until the negative balance is released from my account. I'm not sending you anything. I'm not opening a dispute because I never allowed them to take the money, you did. So, you file your own dispute with them or your company. I just will go get a rush card today and use that card.

I have been a customer of yours for over six years now and you did this to me before. I never paid it. I never filed a dispute and the charge was taken off my card. So, I will wait for you to clear my account balance back to zero before I ever direct deposit or load again period. I will no longer respond or reply to any more notices until my account is back to positive area. It is terrible that you allow others to charge on our cards without permission or without a signature. That is theft by all counts and many people go to jail for charging on others cards (as you just allowed). So, you can just close my account or clear it back to zero--these are the only choices I'm giving you and your company. Eat the $80 yourself if you think that it's okay to charge money on others cards without permission.

I can't find my pin number. I've had my Netspend care for over a year. However, I couldn't activate it because I wasn't 18. Anyway, I'm trying to do it now. And I need my pin number, which I don't ever remember even getting. Please help me out.

NetSpend sent a card in my son's name, Nick. Nick does not and has never lived here.

I then enrolled in the direct deposit plan which was saving me the fee that I was paying every time I loaded money on the card and I have never had an issue with my direct deposit being late or missing or anything like that.

This is how I discovered that a company was charging $60 dollars a month to my card I called netspend they provided me with the phone number of the company and I called them and told them the charges were unauthorized and within 24 hours my money was returned to me, netspend had said it could take 7-10 days but only took one day

I don't ever carry cash anymore just my netspend card which helps me feel real comfortable while I'm out on the town (dallas is a big city with lots of opportunity for mayhem)

Hope this helps

Just like the previous poster on July 9th 2011, my Netspend account was charged 700 dollars in fraudulent charges. All charges were online and overseas, mainly Asia and Europe. After calling Netspend and notifying them these were not me, they told me I had to WAIT for them to clear before I could dispute them. WELL, let me tell you it took 2 hours on the phone speaking to individuals in India only to finally find out it could take 90 days to get money back. I was told after faxing them the needed paperwork, they would begin the investigation and within 10 days would notify me if I would be awarded a provisional credit.

10 business days passed and I was denied a credit to my account because the transactions were done overseas and its hard to prosecute etc. I don't give a crap if its hard for them! It's my money and they're supposed "fraud detection" DID NOT WORK!! So now I'm out 700 dollars, for God knows how long. I've read countless stories on the internet lately about this happening. Netspend either has employees stealing #'s or has had a security breach they are not telling the public about. I have filed a complaint with the Better Business Bureau and Netspend responded acting as if they were working hard for me and they would take care of it. That is BS.

STAY AWAY FROM THIS COMPANY!!

I went out and bought a netSpend debit card from Continental Currency Services (a typical currency exchange store) in order to book a room at a nearby hotel whose policy it is to not sell to non-plastic customers. (Has this credit crisis taught Americans nothing?) It takes only 4.95 to get the card going and I started it with ten dollars. Afterwards I promptly called the company's activation number, entered a PIN and had the card activated. Was able to book the room online (but I still paid for the room in cash, thus not using any of the ten dollar balance)!

When I went back to the currency exchange to add money to the card I was told the card was blocked. When I called the company the guy explained my account/profile was insufficient unless I sent verification of address plus my SSN card. What?! Apparently my identity didn't match up with my identity although he was "prevented" from detailing what information was askew in the name of "privacy." Right...so how exactly can I remedy the confusion if I don't know where the confusion starts?

At any rate if this so-called financial institution can't research and validate one's SSN and gov't approved identification (I used my passport), then how much better can it do with a copy of my SSN card - which is NEVER accepted as proof of person - and L.A. address?? Barring these documents I "did not qualify"...for a disposable debit card.

Then he went on to try to confuse me with credit versus debit versus gift certificate; and depending on how I used it I could purchase items via credit or debit. I wasn't buying it.

For one, netSpend is not a credit card. Therefore I shouldn't have to "qualify" for credit. Secondly, debit means I am spending my own money; what I use is from what I put in -- and there is no qualification to spend one's money. Thirdly, netSpend just as quickly takes money for everything: 50cents to check your balance offline; $1 to $2 for shopping with it; and another monthly fee to maintain it. These things are only sold at currency exchanges where the vast demographic of customers are poor, uneducated, often times stupid, and possess no traditional bank accounts, home property, or even a personal computer; they use money orders instead of checks and likely receive some gov't dole. netSpend is another gimmick to play on their ignorance.

I told the netSpend rep he was full of shit and so was netSpend's sneaky policy, and that I would not be faxing over any further documents.

I just found an un-opened all access gift card that expired on 9/09 that was given to me as a gift. It is a NetSend debit gift card. The Credit CARD Act of 2009 prohibits gift cards (store issued or bank issued "gift cards") from expiring before 5 years from the date of purchase or when money was last loaded onto a card, and prohibits fees for the first 12 months. I'd like this card re-initiated or a new card replacement please.

I've spent several hours this morning talking with your customer service (800-699-9708) with no help. In fact Sheryl ID#018329 (supposedly a supervisor) put me right back to customer service when I asked to speak to someone in the disputes department. I've spent over an hour on hold before I was answered by Jackie ID#463005 and given an inaccurate information and that there was no disputes department, then spent more time speaking with Amanda ID#996954 who tried to tell me the Credit Card act of 2009 didn't apply because I was from Florida, or Georgia, or born in Ohio, I found that quite comical. She also told me her ID was 99, which was incorrect because I know you ID's are 6 digit and I called her out on this before she gave me her real ID (if that's her real ID). I asked for a transcript of our phone conversation (which I believe is my legal right under wire communications is codified at 18 U.S.C. 2511) and she said she couldn't provide it. I have no idea what state the card was purchased, it was sent to me as a gift.

This is only a $50 debit card, it's now become a matter of principal. I've been given mis-information, given the run around, and have developed a very uneasy feeling about NetSpend. It's certainly not worth legal counsel but would be interesting to pass on to the television networks.

My Netspend account was stolen.

Not only did I have to tell them to cancel my card as unauthorized transactions were still be done while I had them on the phone. Finally someone that addressed themselves as a Manager - Steve stated that he can see and agree that the transactions were not being done by myself and would be considered highly suspicious. 14 transaction in 45 minutes totaling $700.00+. I was told by this so called supervisor that my call was being documented and complaint would be send to their Claim initiation dept and to call back on July 5th to check the status.

When I called back on Tuesday, July 5th. I was told by a rep that there was not documentation of my calls that were made over the weekend, that there were now even more transactions that hit my card a total now of 16 and that I would need statements for the merchants stating that these charges were not authorized???? My response was if they are stealing money off my card do you really thing they are going to give me a statement / letter which states this!!! I contacted one of the merchants who stated that she is fully aware of what happend as I am one of thousands of NetSpend cardholders that this has happend to. She was nice enough to email me a statement on company letterhead which proves my compliant to Netspend. When I called back to make Netspend aware they stated that they have not heard anything regarding their cardholders information being breach and they are not a financial institution therefore, do not need to alert consumers.

At this point the Netspend made me aware that not only is my account and pre-paid card still active but charges are still hitting and being posted to my card. I have done everything but call the president himself. I have filed compliants with the BBB, Consumer Protection Agency, filed a police report and now I am contacting a private attorney. There has to be something someone can do company wide to prevent this from happending. I am sure per all the merchants and other sources that NetSpend consumer info has been comprimized and Netspend is not alerting their customers nor the media of this whole issue.

as of today 07/6/2011 I still have no resolution and no one from NetSpend has contacted me to resolve this issue.

My pay is directly deposited to my NetSpend card, the same which I've done for years. Wednesday night, I sat down to pay bills and first went to my prepaid NetSpend card account to check my balance. I noticed two pending transactions that were not mine and immediately called NS. Here I learned that they were against one of my two cards, both of which I had in my possession and of which I've never shared info (unless paying a bill or making a purchase).

The NS rep said she blocked the card, but apparently while I was actually on the phone with her, a third transaction came through. I discovered this when, after logging off, I decided I wanted to research the companies online and logged back in so I could get the names.

I called them a second time to report the latest transaction and when it occurred. Even though these transactions were still pending and reported as fraud, NS allowed them to go through and post!

Completed and notarized paperwork was faxed as requested and I reported it to my local police, but NS told me it may take 45-90 days before I can recoup money-- IF they determine the charges aren't legit. The charges occurred overseas on the same day and possibly the same time that I was in my home city working. I questioned one representative about the NS claim of monitoring accounts for such activity and was told that wouldn't be considered suspicious because I could be making purchases online. Meanwhile, Googling the company names appearing on the transactions brings up many complaints and reports of theft/fraud just like mine.

And calling them? It took me eight calls over two days just to get to the right department to file a claim, and subsequent calls had me going through the same aggravation. I was disconnected several times, I was left on hold multiple times --once for 20 minutes, another for 30 minutes, both of which I finally hung up. Meanwhile, every person you speak with (even those you ask to just transfer you to the dispute department because THAT is who you need to speak with) wants your name, four digits of your social number and the answer to your secret question. Just what I need....MORE people having my information!

A Company called Neodox LLC also doing business under Cybercube Inc. fraudulently charged my Net Spend Debit Card $208.93 for an item that was shipped to Russia to someone named Andrey **. Visa Card's policy is to issue credit to the cardholder's account with no inconvenience or liability. I am out $208.93 which was not my charge. I want my money back. I encounter hardship and a 21-day hold on my account.

I started having my 2 checks (per month) direct deposited to a NetSpend card to cut out all of the fees it used to cost when I cashed those checks at ACE Check Cashing. A couple of months ago, when I went in to withdraw about $1,200 from the card, all of a sudden I was informed that I could only withdraw $300 a day, and if I wanted to withdraw anything over that, I would have to pay those outrageous fees again. That is completely voiding or defeating the reason I get my checks directed deposited on the card.

I finally figured out that it is ACE who is doing this. And I am sure it is because income tax season is coming up, and they have figured out how they can profit greatly from the large amounts of direct deposits people will be receiving from the IRS. They didn't even have the decency to notify the cardholders before they started collecting those high fees. I have heard that you can go to a bank and just get a cash advance. I hope people start to do this to avoid those fees. Such poor customer relations. ACE, I'm sure you could care less what your customers think.

I went to the ATM and tried to take $200. it said "Declined," and I tried the card again for the same amount and was able to receive the $200. However I received a text alert from my phone showing that two amounts for $200 was debited from my account. I called Netspend several times, and a rep told me it would be 24 to 48 hours before my money is returned to my card. This was on December 29.

Today, December 31, I was told to do a dispute online. I tried to do that; however, the amount that was in dispute was not listed in the category where it says "File a dispute and select the item you are trying to dispute." After calling back and speaking to a representative, I was hung up on as I was speaking. I looked at the phone and saw that the line was still connected but no one was there.

All of a sudden, a recording came on asking me if I was to access my account to enter the PIN. This has been the 5th or 6th time I was calling Netspend. I also spoke to the ATM company as well, and they told me they had other customers on hold and they needed to answer those calls. I was recording the conversations on both calls.

Today, I wanted to celebrate my daughter's birthday, and because my money was stolen by Netspend and this ATM, I can't buy my daughter a birthday cake or balloons. She'll be 25 years old after the ball drops. Now I am broke with no money. I was depending on the money they took.

I have been a card holder since Jan 2007! My car was totaled and the insurance company approved me for a rental. I went to pick up my rental at no cost to me, but I did have to put down a deposit of $100. I was expecting $101 to come out, usage fee, and actually $116 came out. I called netspend and the CSR tried to explain to me that the $15 holding fee was a part of the Terms & Conditions.

While still on the line with the CSR, I went to netspends website and the terms and conditions that the CSR read was completely different from the Terms and Conditions posted on the website. (Still hasn't been updated) I raised H-E 2 hockey sticks and was told as soon as the rental company send in a receipt with a letter of company letterhead, including some bogus Confirmation # that the CSR gave me over the phone, I would then get back the $15 holding fee?

I went to return the car and the rental company refused to do anything extra. They said it wasn't policy. I checked my account before I called Netspend and strangely the $15 that they took out extra doesn't even show up on my account/transaction balance? How did they make it disappear? Also I was advised at my local Ace that there is now a $3 fee associated with withdrawing money from my netspend ace cash card. I never received any thing from Netspend via mail or email to communicate this change to me. I complained to the Ace Cash Express Staff and they said that the monthly fee was reduced from $10 to $5 to combat the extra $3 fee.

I went to Netspend website to sign up for $5 monthly fee, and its still listed on their website as $10 per month and there is no update to the terms and conditions to show a $3 fee for withdrawal at the ace location. There is also now a $300 limit that wasn't communicated to card holders.

I now have to go and switch all direct deposits and auto payments from my prepaid card to my debit card. This can delay payments and when I switch over my deposit my payday will change which will require me to update all billing dates. Also, my rent was late because I went to withdraw the money on the 1st of November and I needed to pull out $600 exact as what was in my account and I was informed that I can only withdraw $300 per day and on top of that they are going to take $3 of it. This would have been fine and I could have planned accordingly but I was never informed via mail, email, phone call, or even an update to their website.

I have been a NetSpend customer for 3+ years. I chose to come to them due to the ease of using the cards and the minimum fees. I went into an ACE location yesterday to withdraw money for my rent for a total $1200. I was told that there was a new rule in place and they now charge to withdrawal money after the first $300. This immediately alarmed me because I have not received an email, mail or text notification with any of this information. Although I did receive an email notification of their new elite program, I found this extremely odd. I asked why did they not inform their customers. His response was that it was posted on their website. I said, "well this does not justify sufficient notification, many people don't have regular access to a computer and furthermore, why go online if you can send a text to them for your balance?". The ACE employee of course could not answer.

I then asked what the fee was. He said 2% of the withdrawal. I was irate at this point. Two percent of the $1200 after the initial $300 (I was charged on the $900) is a total fee of $18! I am still pissed off. What a ripoff. I told him they are only doing this because income tax is coming and people are going to be pulling off large amounts. If you have $5000 being pulled out, after the $300, their charge for that is $94. That is a lot of money. I was thinking what if all I had was the exact amount I needed for my rent, then I would have been short because of Netspend's horrible business practices. At minimum, they should notify consumers at least 1 month ahead. He said they try to compensate by the lower $5 fee vs the $9.99 fee - there is no comparison - they are trying to get over because they feel that most people that have this card needs it because they can't get a bank account. I chose to get this card because of the ease of use and no hassles with the bank.

I make between $3200 - $3500 a month. I am not trying to throw money away by paying ridiculous fees to access money when I need it. It's not even reasonable withdrawal limit. Most banks allow $500 minimum withdrawal limit without any additional steps. I am outraged and will be closing my account before my next direct deposit. I refused to be taken by this monster of a company. This is truly a scam! I will be checking to see if they broke any laws by not providing sufficient notice of their changes. If they did, I will be reporting them to every appropriate agency.

On November 22, 2010, I got a text message from NetSpend telling me someone in Oakland, CA had used my card for $702.00 at Best Buy, then I got another text saying someone in Oakland. CA used my card at Walmart for $556.00. I called NetSpend and then got so upset. They act as if they don't understand what you are saying to them. I asked so many times to speak with a supervisor and they placed me on hold and the same lady got on the phone as if she is the supervisor now. They play so many games with your money.

I had just cashed a check from my 401k hardship to pay off bills and now someone in CA takes it. NetSpend tells me they don't have a Fraud Department. I contacted my Maryland Police department and filed a report at Eastover, Maryland. I have been calling NetSpend for some days and I went to the Eastover ACE to get the rest of my money out the account. I had to call NetSpend back to ask them to place a block on my card because someone may still be using the card and I still have the card in my hand! I got deposit and my check would have been deposited in 2 days after this.

They mad me buy another card for $3.00 to transfer my work check and get my money out. I called another number that the lady gave to me inside the ACE and then I got a hold to the Fraud Department, and faxed over my statement and the police case number. As of December 1,2010, I can't get anyone to talk to and the reps can't speak English at all. I have bills that are up to my head. Don't go to NetSpend with your money for a Visa or MasterCard! I think they are washing numbers and their reps are the ones who are going into our accounts. I see that on the NetSpend website, they say why we should trust them and that our money is covered by FDCI, I need to call FDCI ASAP.

The FBI needs to look into this. This is a big *** scam and NetSpend has been getting away with this for too long. They have taken $1259.00 out my account and Christmas is coming, bills are still due and they won't tell me anything. I also had to contact Oakland CA Walmart and Best Buy. I gave NetSpend the numbers and the names of the asst. managers of both stores. They still are telling me that they must give the stores the money first and then I can fill for my money back. I just can't get over this. Maryland and CA is a 9-hour Flight! I just want my money back and I will not deal with NetSpend at all. I have told everyone that I send to ACE to get a Visa card to take their money out and don't deal with them BBB (Better Business Bureau) and FDIC need to be contacted as well. It's time for a law suit.

This is not a complaint but a compliment! I have been with Netspend for about four years now and have never had a problem that couldn't be fixed by calling customer service. They may be a little hard to reach at times, but they always were helpful and did what they could. Most of the time it was the merchant or employer that was the problem, not actually Netspend themselves.

Actually since they are online, my direct deposit goes in about a day earlier than my coworkers! I travel a lot with work and they have been a life saver for me. Thank you so much!

This company is worthless. All they can say when you are calling about a problem is, "I'm sorry for the inconvenience." If they were truly sorry, they would fix the issue then and there. As for my issue, I have roughly $380.00 being held on my account. My card is not able to be used. It was the middle of the night in the middle of nowhere in New Mexico when the problems started. I stopped for gas and my card was declined, credit wise, debit wise and at the ATM. I tried to call the company and the message I received was that the service was unavailable at the moment, please try again later. Whatever!

I started calling for a new card on October 12th, 2010 and after numerous phone calls and the promise that 3 replacement cards have been sent out, I still have not received one of them. The idiot that I just got off the phone with today is essentially accusing my girlfriend of not giving me the card. I was asked if I have talked to her about it and I told the CSR that I come home with her and we check the mail together. So, I guess the person I talked to did not care that he was accusing my girlfriend of being dishonest. That is just plain out rude and idiotic.

In my opinion, they are basically stealing from me, committing fraud, and just being plain out dishonest in their business practices. When I asked for a number where I could contact the issuing department about the card, is it not coincidence that I was told that they did not have that information available? This is beyond stupid now. I believe that these people are just thinking if I forget about it, then that will be an additional $380.00 into their pocket! They want to accuse my girlfriend. I will accuse them of providing dishonest business practices.

I have money that I have in the account to pay bills that I cannot touch. My creditors are not buying this "excuse". I cannot get a new card issued to me. I almost had my electricity turned off because of it. My phone is in danger of being disconnected, and other bills are coming up in overdue status. This is also going to affect my credit report unless this can be resolved and I can get the money soon. But I do not foresee that happening because of the non-helping CSR people of this pathetic company.

I have not had any problems with Netspend. They have been very helpful and have done everything to insure I stay that way. So far nothing outside their terms of service listed in their application has occurred. One instance in fact shows me they have gone where others never have. A few days ago, two networks were not working. I don't even use those so I was unaware of the problem. I received an email from the telling me of the problem and apologizing for it. I have had that happen to me in the past and not only did the financial institution not tell me about it, when I called, they denied it was their problem.

After passing the buck around, they would finally admit it was their problem. I have been so happy with Netspend. I have just upgraded my account.

I've had no problems with Net Spend. Have traveled out of the country, have direct deposit, have been with them about 17 months. Never had a problem.

Good day. NetSpender here. While most (if not all) of the customer complaints posted here are valid from a customer satisfaction standpoint, most (if not all) of the aforementioned complaints are invalid from the standpoint of NetSpend policy (not to mention federal law). While cardholders would like to point to the terms and conditions of the NetSpend card for protection (despite the fact that most cardholders do not read said terms and conditions and point to that fact when confronted with a term or condition unsuitable to them), I would like to point out that the NetSpend terms and conditions do not encompass company policy. We have an inch-thick manual for that, and as such, anything not explicitly prohibited by said terms and conditions are allowed.

Having said that, I would like to address some complaints raised by some customers for the purpose of customer education, to fill the gap between the NetSpend terms and conditions and company policy. Hotel pre-authorizations, as Tim of Greensboro, NC pointed out, "all debit cards are subject to authorization holds when you make purchases at hotels." The reason for this is to ensure that there will be money available to collect for incidental charges, as Lindy of Moorpark, CA states.

However, Lindy is incorrect when she claims that "the merchant releases the hold the same day while NetSpend holds onto your money for as long as they want." First, even if the hotel releases the hold on their end, this would not reflect on NetSpend because their system is not connected to ours. What this means is that the hotel relinquishes their rights to collect on the said hold but technically, they can still take the money. In order for NetSpend to know that the hotel will no longer collect on the funds, we need documentation (as in the case of Mike of Pearland, TX).

Documentation depends on the circumstances surrounding the hold. Second, NetSpend doesn't hold "onto your money for as long as they want." As advised to Mike, NetSpend releases funds within 24-48 hours with proper documentation, and even without proper documentation, NetSpend releases funds after 20 days as long as the customer calls.

Even if the customer doesn't call, NetSpend still releases the funds, after 90 days. Bottom line is if NetSpend doesn't hold money for incidental charges, such charges, if and when they occur, would be taken out of the customer's available balance, or, if such balance doesn't exist, from the next deposit the customer makes on the account. I'm sure the customers don't want their paychecks going toward some long-forgotten hotel incidental charge.

I got a pre-paid Netspend MasterCard in the mail today. I called the company to opt-out of future offers. But the customer service representative (with heavy accent) kept asking me for my card number which I don't want to give them, because then they could activate it without my knowledge. The automated telephone service said that I would have to write a letter to an address. I'm not going to waste my time. I hung up on that guy and I'm going to cut up the card and put return to sender on the envelope!

Netspend is a very bad company. I use their card to go to Vegas. After checking out the hotel, Netspend wouldn't release my funds. We had the hotel contact them and submit all the proper paper work for them to release funds. They never did. I called them back after the 48 hours that they said they would release. They said I needed more paperwork. I finally said, "forget it, keep the money for 20 days because that will be the last dollar you get from me."

They have cost me $35 charge from accounts that suppose to get the money from my card. I would advice anyone. Just go through your bank or don't use this card for nothing other thank quick buys. Netspend is a very terrible company. Customer service operators sound like trained robots. Don't waste your time. I feel like I've been robbed by them by not giving me my hard earned money.

I have been with Netspend since 2000 and it has been great. Direct deposit, travel to Europe, car rental, shopping, pay bills, fraud protection, savings at a great rate—everything. Perfect card, perfect customer service. I totally disagree with the complaints.

I made a complaint about unauthorized charges on a preloaded credit card. I asked for a refund. Their answer was "It was not their responsibility". Taking in consideration that I made the complaint and filled the online form, still no response. I called again and they asked me to fill out a form with photocopies of my driver's license, birth certificate, my residence card and bunch of other personal material. Now, at this point, enough is enough. What actions can I take to get my money back?

I have never had any problems with Netspend for 2 years. They are always on time. They resolved fraud charge right away. Very helpful. Thanks.

Once again, my paycheck is being held hostage. I know I said I was going to cancel the account but I never got around to it and now. I can see my money on the Netspend website but they say that I can't get it because my account has been blocked because of a potential phishing scam. Okay, now that I have been on the phone verifying and reverifying my information for two days, they still can't release my funds. I have to wait 7 - 10 days for them to send me another card. That is not right. When I tell them I have another card they can just transfer the money to, but they won't cooperate. My employer is going to try to reverse the direct deposit but if Netspend refuses to send the money back, then I'm just ***. On top of all that, they charged me a dollar to call them. I just don't understand how they can be allowed to practice business this way.

Recently, I received notification of a payment adjustment from Social Security Administration that around August 20, 2010 I would receive adjusted amount of around $34.00. Well, the morning of 9/1/2010 I went into the Rushcard website and noticed that no payment has posted. I contacted Security Office at 630 am (Pacific Standard Time, 3 hours behind EST) and spoke with Chris, a Customer Service Agent for the Security national line. I was told that Security mistakenly paid my supplemental income, which is to pay out on the 1st of every month, to the wrong Bank (MetaBank), which is affiliated with NetSpend Prepaid Services. I personally stop doing business with NetSpend as of 3/2010; they greedily allowed SSI to post payments. According to SSI, several payments to close and block to my access account.

I tried to go to the local Security Administrative office here in San Jose, CA, to receive nothing but chaos from their representative and his supervisor Angel. Both of these men were so confused of the fraud ;they made me look like I was trying to received two or more payments twice. Even though the Social Security payments center was at fault, NetSpend and/Meta Bank should have never accepted this payment to post especially if the consumer has no access to their account. You see I had a Master and Visa card with these people because I was scared to pay bills with my only source of income and then have them to lock it up. So, I did this for my own security. It back-fired tremendously. Not only would NetSpend's website constantly be down, but the clueless customer service representative would run my blood pressure up so high I could possibly have had a stroke.

The fraud was so thick it confused the Social Security office; they would not believe that a consumer would risk the company, personnel and client relationship. Oh! But they did.

And then Muetta/Muella of the Lost and Stolen Card Department (which I was told to contact for this mess) tried to send me a check for the cash that was not accessible to me. No! That's the fraud I'm not involving myself in their mess. These people have not only blocked my access to their accounts, but they don't even have my current address or telephones. They tried to get it, believe me. You and I refused to give it to them so that their cover will be exposed. You, I know that. If I had gave my address information up that, I would be liable for the scams fees and housing monies that they illegally accepted.

Thank god for medication to allow me to live and see the fog on this cloudy storming company. Once again I'm not sure of the exact address of this company or zip code and they don't have mine. Oh! I forgot to mention that I was across the Bay in Oakland, CA, which is about 80 miles east, separated by nothing but the bay. And my car broke down. Now I took the time out and money to secure myself just in case of the "would if's" by using AAA. The tow truck came within the first hour because I had my now deceased girlfriend who had bronchus pneumonia, possibly for their blocked access to my account that allowed me to wait and stand outside in the cold last February 2010 while their website was crashed and their customer service representatives and supervisors and managers wait in their beds.

Finally, my boyfriend's mother allowed me to borrow the money to get across the bridge. So not only is NetSpend/Metabank at fault, but also the Security Administrative office of San Jose, CA at 280 South 1st St, San Jose, whose representative was so rude and his supervisor Angel/Diablo whatever his name should have been at birth. The point is I still did not get paid yesterday and had to ask strangers for cash to eat.

I walked out of the Federal Building. at 280 1st St, San Jose, CA 95113 Rm 224 where the Social Security Building is housed in tears. Sobbing, I contacted the Redwood City, CA Social Security Administration crying like a baby because not only have I been robbed by consumer I no longer did business with, but they also illegally stole money from the Feds on my behalf when all my accounts were closed with them.

The fraud is so thick that when I did contact my previous county (San Mateo California County) Social Security office on Allerton in Redwood City CA, I spoke with Loren, who stated that she would do all she could to retrieve my monies back, because according to them they have been making payments of the difference between $41.00 and $39.00 since March or April of 2010.

I have had upset stomach, vomiting, light-headedness, nausea because of this humiliation from Rushcard not correctly receiving my payment due to clerical error on Social Security Baltimore MD Payment Center, but Netspend/MetaBank illegally accepting it.

No one ever contacted me via mail because they no longer have my current address, but mail is forwarded. But now I may have to wait up to 6 months for payment to be retrieve and reissued.

Now, tell me who is at fault? Keep in mind I forwarded and redirected my accounts 7 months ago and no longer have access to their accounts. Even Social Security has been paying into the correct account with Rushcard, but because I lost their card they were nice enough and professional enough to forward the monies to the correct account if any made available thru the US Treasury SSI and SSA payments center.

On August the 5th, I put $500.00 on my Netspend Visa card. I wanted to send my sister flowers for her Anniversary party that I was unable to attend. I ended up purchasing 2 flower arrangements for $285 to be delivered on August 26th. I told my mother what I had done and she felt that I was overcharged for the flowers. I called the florist and canceled the order. They happily gave me a refund for the $285. They processed the credit to Netspend on August 7th.

It is now August the 25th and Netspend still hasn't credited my card! In addition there were 4 bogus charges on my account for $19.95 made within 3 minutes of one another. I called to complain and after contacting the company that fraudulently charged me, the 4 charges were credited back to my account. The following day, the exact same 4 charges were re-charged to my account! My balance on the card should be $471.00. Currently, the account shows a balance of $10.71. They are thieves!

At Western Union, they offered me this cards (free!). Yeah, right; they never told me about the fees. I purchased 2 cards, 1 Visa $20 doll and 1Mc $10 doll since I didn't want to use them but to get my money back. I called and they told me I don't have any money because I didn't use them on time. So basically, I lost $30 ! I'm so frustrated. Please don't enroll in this company, hope they close them up for good! I hate them.

I filed a claim with netSpend after I had been in contact with the Department of Education. Yes, I am one of the many who have loan debt. But anyway, I had made a payment to them on one occasional of $78 which they had received. I know that it may seem irrelevant to mention that part but it is relevant to my complaint to me. There I was getting business taken care to at least get out of default so I could further my education. I felt so trustworthy of netSpend I had know idea something of this nature could happen. Anyway, my payment to collector had been brought down some to $63.00 because i was barely making it by at all and surely could afford much more.

The agreement that was brought upon me was that I would pay $33 that week and 30 in 2 weeks. i went to my local grocery store where they have a check cashing place and where I had always gone to cash my check and sometimes put money on my netSpend card. I put $45 on the card then. Forty-five dollars purposely in case there ended up being a monthly fee again since i had not used it over a month or so. That evening I was feeling pretty good about getting another payment out of the way. Boy, what a huge let down, the Department of Education was still calling come that next evening!Yet I was like, "That's not for me, it must be a solicitor", or you know, something of that nature. Come the next day once I back from work my fiance told me of another phone call that I had received a message. It was the CSR that I had been talking to for weeks needed me to contact her.

So I did and boy, was I in disbelief. She said my transaction had been denied. First, I was like let me make sure aging because that transaction has been taken off the account and I definitely put the money on there. It costs $.50 to even check. Bad news, somebody took it. Anyway, it was gone.

I haven't used my netspend card in a while and almost forgot I had one. I went to look at my account and found they had charged the remaining balance for a account maintenance fee. You see after 90 days of inactivity, they feel since you have bad credit and could not get a regular credit card it gives them the right to charge a $5.95 fee every month until you put a balance on it. Wow, getting charged for not using a service. Filed a complaint with the better business bureau. God bless America.

Someone some how obtained my netspend card number and logged on my netspend account without my password, username, or mother's maiden name and wiped my account out. Eventhough the disputed department was aware of the fraudulent activity on my account, the dispute department due to policy forced me to wait 10 business days to have my money returned. Even though after 3 days they were aware of my account being compromised, and it was fraud activity on my account. Due to the funds was needed that 10 days caused a number of bills and common everyday activities not to be taking care of or being an option. Especially when netspend dispute department informed me they were aware of this type of fraud and compromising of my account and other netspend accounts suffering this same fate.

I have been with netspend, meta bank since February 2009. My complaint is that I don't get treated fair. They charged me to get my money; they go in my account and take my money without my permission, they charge high price fees for me to get my money, the employees are very rude and nasty and they don't talk to people any kind away, they don't place your money on your bank when they are supposed to.

After I get what's rightfully mine, I will be dropping my account with netspend. I will recommend that nobody fool with netspend or meta bank because they are a rip off.

The customer service rep could barely speak English, she was obviously trying to read out of a book, or manual, and was no help at all. No matter what I asked her, she kept giving me the same "answer". Customer service is a joke! All these people do is frustrate you beyond belief!! With all of the English speaking people that need jobs, you would think your company would want to employ people "Americans" can understand!

You want us to use your product but can't give us someone we can understand, or that has any knowledge to help with a problem. How can Netspend call this "Customer Service"? I'm tired of calling these 800 or 866 numbers and getting someone in another country whose English is so poor. I don't know what the hell they are saying!

Netspend charges $1.00 for every purchase. If I wanted fees, I wouldn't have chosen Netspend, now I am in the negative. Don't use Netspend-- period!

We recorded a payment request from HostNine (hostnine.com): "Unlimited web hosting, 99.9% uptime to enable the charge of $14.38/ month on your account. Because the order was made from an African internet address, we put an exception payment on transaction ID number ** motivated by our geographical tracking system. The payment is pending for the moment.

"If you made this transaction or if you just authorize this payment, please ignore or remove this email message. The transaction will be shown on your monthly statement as HostNine unlimited web hosting 99.8% uptime. If you didn't make this payment and would like to decline the $14.38 billing to your card, please download the attachment file and complete the form to cancel the payment. NOTE: Because email is not a secure form of communication, please do not reply to this email." I don't have a Netspend credit card that I'm aware of.

I keep getting e-mails from a netspend.net and they say that they have recorded a payment request from a Live Jasmine from an African internet address. I know nothing about it and I don't even go to any African sites. Whoever is doing it, I want it stopped. Someone is using my e-mail, my name, and my card to ring up false charges on my netspend visa card. I keep forwarding these to customerservice@netspend.com. I want someone to find out who is doing this.

Now, I have to cancel any netspend visa debit cards I may have and I only use one card. This is making me angry.

I used Netspend with direct deposit for nearly a year with no problem. Then out of the blue, I get two charges for $268 for off-gamers. Almost $500 ripped out of my pocket. I contacted both companies with no luck as far as getting my money back. No one uses my card except me and the purchases was made from overseas. So long story short, keep clear of Netspend. They ignored my emails and when I spoke to a customer service rep, she spoke such bad English we both had a hard time understanding each other. Netspend will not keep your money safe and when your account is compromised, Netspend frankly cares less.

I edited my tax returns so that they would be automatically deposited to Netspend. Because the information with Netspend was incomplete, the refunds were returned to the individual issuing institutions. I received a check for my federal refund three weeks following the rejection from Netspend. I waited until May 27, 2010 to reach the Oregon Department of Revenue to find out about the status of my return. The state representative found no record of my refund being returned to them and recommended I contact Netspend again. When I did, Netspend told me to contact Metabank who then told me to contact Santa Barbara Bank & Trust who told me to contact the State of Oregon, who in turn told me to contact Netspend. As you can see, no one takes responsibility for my lost Oregon State tax refund. I have spent untold hours trying to find my refund of $733.00 with no success. I believe my request is not unrealistic since the money belongs to me. How do I get it back from cyberspace?

Okay, I do understand that a lot of people do have problems with the IVR. I personally think they do need to make a direct way to get in contact to a live agent. I work for the company and yes, some people can be rude and I do apologize for them. Also, I do understand the inconvenience of having to stay on the phone for a whole hour just to talk to someone. But overall, our service is good and very helpful for most of our customers. You can always go to our online website and give us an email. Login > Help > Inbox >New and you might have to scroll down a little bit to see the New button. If you do have any further questions or need help, you can call us toll-free at 1-86-NETSPEND (1-866-387-7363) between 8AM-10PM CST, Monday through Friday and 8AM-8PM CST, Saturday and Sunday. Just remember that anything we can do, you can do as well on your online account.

I was trying to purchase a plane ticket online the ticket was unavailable for purchase but somehow the money was taking off my account any way. When calling customer service the first time I was told that it was a soft hit and would fall off after two days. Three days later no money returned so then I called back to figure out what it was that could do to get the money back i was then told that I needed to contact the place the I tried to purchase the ticket and talk to them or have them say that they aren't going to need the money and then fax a letter to Netspend then they would release the money.

I called the place where I tried to purchase the ticket and they called Netspend on three way the agent told me that she would transfer me to a supervisor then I was hung up on. After calling back about three times then I was transferred to a non English speaking supervisor that was completely oblivious to what it was that you was saying and explaining to her countless times, as result of talking to her my card was then marked as stolen and then I am still in the process on trying to get my money back and get the money that I put on my card off, This is the worst experience ever. I'll never ever use them again once I get my money.

I used my NetSpend credit card only a couple of times before it was hacked by someone in Romania. I contacted ACE/ NetSpend several times and reported the card stolen. NetSpend had the opportunity to block the unauthorized charge of $157.53, but they ignored the problem. I contacted the business in Romania and opened a dispute with NetSpend to recover the funds. They have not responded, and I suspect they will not. I used my NetSpend credit card only a couple of times before it was hacked by someone in Romania. Ace Cash Express/NetSpend does not care about their customers, and their security could probably be hacked by a third-grader. If you value your money and your personal information, steer clear of ACE Cash Express/NetSpend.

Unfortunately, I have been a NetSpend customer for the past three years only because my identity was stolen and ChexSystems will not allow me to open any sort of real bank account with any bank. For the past three years, I have had many different complaints about NetSpend and how they operate. But this incident today tops the charts and is the icing on the cake!

I reported my card lost on 4/27. My car insurance bill is due 4/29. I went ahead and spent nearly two hours with NetSpend customer reps on 4/28 explaining to them that I have a pending payment that needs to go through before the due date in order to avoid late fee and returned fee. Obviously, since NetSpend outsources and no one there speaks or understands basic English, they couldn't understand my concern.

I was transferred several times back and forth until I got a hold of a "supervisor." What happens next is unbelievable. While speaking to the supervisor on the line, I get a text message stating that my card has been used twice at a Pollo Tropical!

I explained to the "supervisor" that, "As we speak, I'm getting text messages that someone is using my card. The supervisor is telling me that I need to "wait 7 days before I can file a dispute on pending transactions." I had to explain and walk his dumb ** through what I was trying to get him to understand because at this point, I'm frustrated, annoyed, boiling upset. If I reported my card stolen the day before, why didn't your company put a block on my card to prevent unauthorized transactions?

Warning, don't do it. There are hidden charges. They offer a premium monthly plan with advantages. The only real advantage is they get another ten bucks a month. They randomly change and take fees. You can load money to pay a bill, check your email alert and have it say the funds are there and then see it bounce because they decided to take a fee and cancelled your payment that you already were told was made successfully.

You can access money from an ATM at $2.50 a whack so if you do direct deposit and get your rent money, let's say 900 dollars it costs you $7.50 on top of foreign ATM bank fees imposed by the bank because no one on the planet recognizes them as anything worthy and you can get only $300 at a time. That's $2.50 net spend $2.00 bank x3= $13.50 total to get your own money that they begged you for. This card was primarily purchased for internet shopping and online bill paying. with average use you will needlessly spend 25 to 30 bucks a month to use your own money. Please learn from my mistake. Don't do it.

I purchased two Visa Prepaid Debit cards, one for my self and one for my son. My name is Terry Sr., and my son is Terry Jr. I put $100 cash on my card and $50 on my son's card. My card was activated, but Netspend informed me that the government required they request a copy of my son's social security card and a utility bill.

I faxed it on March 31, 2010. Today, April 1,2010, Netspend informed me they did not receive the fax and I should send another fax. I felt uncomfortable sending another copy of my son's social security card, so I told Netspend to activate the card, since I have provided the required information. And they said they would activate it unless I faxed the copies.

I had a Netspend debit card. I lost it and I reported it to Netspend. This company was sad that the money was not spent, but they won't give me my funds. I showed proof at the merchant where I loaded my card and still, this company denied my money. I spent time driving back and forth to the merchant and making the same call everyday, verifying my same SSN PH, my DOB everyday. I'm stressed and sick.

They illegally with out my authorization went into my account where my zzi check goes in and allowed Verizon twice for no legal reason to pull out a total of 542.00 and I never ever have been with Verison. Due to netspends bad security, now I'm paying the price no pins involved. Nothing. They just went in took the funds out and that's it. My rents 270 subsidized rent and now I'm 2 months behind and being evicted. Thanks netspend. Can you imagine these crooked devils have over 100 complaints at the fed trade commission and BBB and they still operate? Hahahaha! Only in the good old USA would a company this crooked who f s with old terminally ill people gets away with this and then get this. Netspend said they credit the 542.00 into my acct if Verizon wouldn't and guess what? They will not do it period.

Netspend has my social security deposit and refuses to release it to me. I am disabled. I followed their instructions in order to have my funds released to me, yet they refused to release my monthly SSI check to me.

I am unable to pay my monthly bills. My car could be repossessed at any moment. It has caused me traumatic stress, illness, migraines, etc. At the very least, they need to hire competent employees to answer questions on the phone, moreover, Netspend is fraudulently stealing a disabled woman's monthly income. Shame on Netspend!

Several unauthorized charges were made totaling over 1,300.00 in three different states that I've never visited. Charges were made on Feb 8-11, some all made on the same day. I called Netspend to dispute and asked what they needed. They said just to send in the form and give them 10 days. After 10 days I called and they had no record of my claim. It was later found and they said they were missing information. I asked "what information?". They replied I needed a police report and confirmation of where I was when the disputed charges were being made.

I asked them why they didn't tell me that 10 days ago. They just said sorry. I sent a police report and confirmation from my employer then called them. They said "if" I get my money back, it could take up to 45 days depending on the vendor. They are approved by the FDIC, their money is Federally insured. Why don't they give me my money that they, in my opinion, are accessories, and let the vendors reimburse them. I'm out $1,305.00 from the card and another $500.00 from my savings account. I'm also late on some of my bills.

On February 2, 2010, an unauthorized debit was posted to my Visa card account with Netspend. On 02/04/10, I notified Netspend customer service by phone of the unauthorized charge and requested that reversal procedures be started. I was read repeatedly a statement that essentially said it is my fault by giving out my card number. This statement was repeated almost verbatim every time I attempted to explain why a reversal is justified. Even when I requested to speak with a supervisor!

The supervisor essentially gave a modified but somewhat more diplomatic version of the original response. I was told that Netspend would appoint an "investigator" who would look into the matter and report any findings after 10 days.

I submitted the official Dispute Notification Form to Netspend on February 05, 2010. On February 15, 2010, I received an e-mail from Netspend that my request was sent to the dispute department where an investigator would be assigned to investigate the matter and report back in ten days. I was also graciously informed with every e-mail and direct verbal contact that I am eligible or direct deposit into my account. Thank so much for that!

As of February 17, 2010, I was still without any intelligible response from Netspend. However, GEICO Insurance Company (originator of the unauthorized debit) informed me on February 12, 2010 that the debit was located and that GEICO is awaiting the reversal request from Netspend. Upon receipt, they would immediately release the amount erroneously collected without authorization.

The actions of Netspend are not conforming to generally accepted industry practices for the reversal of unauthorized debits. Netspend mishandled this matter in a grossly careless and negligent manner that leads to the conclusion that this practice is standard procedure for reversal requests received by Netspend and designed to delay for as long as possible any corrective action with respect to customer accounts. It could be assumed that Netspend may indeed reverse the charges much quicker internally and then hold on to the funds. Allegations found on the Internet report that Netspend is returning/reversing amount over $ 100.00 after delays of around 45 days.

Consequently, I have filed a complaint against Netspend with the FTC, the BBB of Austin. I will also file a complaint with Meta Bank under whose authority Netspend is offering pre-paid Visa cards and with the Visa organization.

Considering the numerous complaints about Netspend's processing of complaints, I might also consider filing a complaint with the appropriate prosecutorial authorities and against the seller of the Netspend Visa cards (Speedy Cash).

I needed a simple question answered regarding the maximum amount of money that could be direct deposited. I spent an hour trying to get a live person on the phone to answer the question. I finally gave up. I could never find a way to get through the IVR to get a live person. The website states to call the number to get the question answered. On a previous occasion. I have called and eventually spoken to a live person but it took an hour and a half. I do not have the time nor patience to deal with this. By far, it is the worst IVR I have ever dealt with.

My debit card have been invalid and it looks same time is missing $140.00. I need to get communication with them but the phone number always is busy and is the only one that shows the credit card in the back and on any web page from them. There is not an email that I can write to them. I was checking in complaints about this company know and is like a rip off.

I am living in Puerto Rico know and this is the card that my company do my pay as direct deposit. I cancelled it from my company and they going to start sending me a check until I open a new one in PR. But when I go to an atm machine here, is showing a balance that is not the actual one, because is missing $140.00 in the balance that is showing and if you try to make any transaction, the system says that the card is invalid. I need to know what is the situation about my account asap.

Netspend is not giving my money. I am supposed to get paid today and they have not deposited it to my account. The money is there and they are not giving it to me. I have called them 10 times now. I can't pay bills.

I've had my NetSpend card for years. At times its a great convenience but sometimes they are just plain horrible. If you can get to an actual person in less than 30 minutes then you are already doing good. Once you reach a live person you probably won't understand a word they say and I live less than 10 minutes from one of their offices, another joy.

NetSpend allowed me to apply for a card for my son, who at the time was under 18. They didn't ask for or mentioned that they would need me to send them a copy of his birth certificate and social security card. My son had his card for about a year when they decided to freeze my account. I was not notified via phone, email, postal mail, nor was any information posted on my account when I logged into the website. They froze my card on payday and I have my paycheck directly deposited onto my card. S you can imagine that I was not happy when I tried to pay my bills online and my card was declined.

I called NetSpend and when I finally spoke to somebody, I was informed that because of his age, I needed to fax the information that I mentioned above. I explained to the rep that I was not comfortable sending my child's information and why didn't anyone mention that when I signed up for his card? She basically told me that she guessed the person who did it forgot to inform me, but we cant take the hold off of your account until you fax in the documents.

So I told her that I will not be doing that and to please remove my son from my account so that I can access my money. I was told that they cannot do that. I asked to speak to a supervisor because someone can do that. Let's say I spoke to several people that day, and with each one stating that they could not the more upset I became. So naturally, my next step was to contact BBB and my state representative.

Before the end of the day I had my money. I had to give them so much information to verify that I was the owner of that account. I feel that if you have verified that I am the account holder and if I ask you to remove someone from my account, it should be done. Today, I get home from work and check my mailbox and I have 2 new Netspend cards waiting on me. One is for HEB and the other ACE check cash. I did not ask for them, I do not know why they were sent to me. I have not received any notices stating that they were sending me cards for whatever reason nor were there any messages in my inbox on the NetSpend website.

I am typing this as I wait for someone to answer the phone and let me know what's going on. Happy, happy joy, joy. After payday, I will officially be done with Netspend. I would rather go ahead and deal with the interest and just try hard not to incur more credit card debt than I can afford with a traditional card, than have to do this anymore. Besides, no one really wants to accept a prepaid card anymore. You can't rent a car with it and Netflix stopped accepting them. I use my paypal account that's linked to my back account for online purchases. NetSpend truly will not be missed.

I have been with Netspend for some years now. And every now and then, I get poor customer service. Most of the agents there do not and cannot understand nor speak correct English and that makes it hard to do business over the phone with them. My main complaint is I have had my name legally changed through the courts, and I needed to contact Netspend to let them know of the changes, so my direct deposit checks would still come into the account. Because if the names don't match, then they will send it back from where the checks come from.

I was told to fax all my legal documents over from the courts and was giving a fax number to fax everything over. I called the following week to make sure they had received my fax and was told no and asked what fax number I have. So I gave them the fax number that was given to me, and I was told by the customer agent from Netspend to use this other fax number. So I did and called Beck within a few days. I was told, "No...nothing. We haven't received anything from you." I said, "I have the ok confirmation saying you guys received it twice." She asked what was the fax number someone gave me from here. And I told her and she laughed and said they had given me the wrong fax number to a different department but gave the correct fax number to the right department.

When she gave it to me, I Immediately faxed over the documents that was requested by me with all my vital Information. I sent in for the third time my court papers showing my new name change, a copy of my Driver's License, and a copy of my Social Security Card. And after waiting for a week, I went on their website to contact them by e-mail and asked if they have received my documents yet. I got a response back saying no and to resend it again.

I told them to close my account and had my checks stop from going to this bank institution. And I was told by one of the agents from Netspend that they were sorry and that they couldn't close my account right now until I put $5.95 back on the card. And then they will close the account. But what I don't understand is why I have to have that money on my Netspend just to close out my account.

My biggest issue is my information with my SSN / DL circulating out there in someone's hands now. And because they don't care about the information you send in, someone can ruin my credit. No one in the management team at Netspend has taken the time to contact me concerning this matter.

For example, it's not NetSpend's policy to require a social security number: that's federal law. And all debit cards are subject to authorization holds when you make purchases at hotels, car rental agencies, or when you pay at the pump for gasoline. That's just the way the system works, whether you use NetSpend or Bank of America. Many of the people complaining on this board simply need to educate themselves more before slamming a legitimate business, even one with flaws.

This was not the first time this has happened to me this has happened since October 2009. I need to see if I can pay my Bills on time or will i have to suffer from late fee's. My income is stretched pretty thin and I do not need fee's coming out also...

I have been trying to reach Netspend for weeks, cause I was double charge for something. I went online to check my balance and it wouldn't except my password. I called to get this fix and got a recording that did not give and option to reach a live person. I sent several e-mails to them asking for help. I recieve nothing, I than facebook and twittered the company. I wrote to them there and got t facebook reply the said to press 5, than 5 when the recording come on and that would get me a live person. I still got the recording and when I tried waitng in the hopes of the system putting me to a live person it cut me off. The company has told me that netspend has my money on hold we are both trying to reach Netspend to get them to release it, but no luck. What kind of legal action can one take against a compnay like this.

All-Access Visa Gift Card charges a administrative monthly fee in addition to a expiration date. I asked for card ballance and they told me there is nothing left because of the Administrative fees. NEVER USE NETSPEND!! They are RIP-OFF!!

I received a card from netspend without any paperwork (fine print, etc.) Once I learned that there was a website that tracked my spending, I checked it out. A company named Superpass was making $14.99 withdrawals on a monthly basis. Also Netflix was doing the same. Netspend was taking their $1.00 per transaction fee also. I called Superpass, and the concurred that these were unauthorized charges, and would be refunded. They issued a Reference # to give to Netspend. I called Netflix, they also concurred the charges were unauthorized. The refunded $30.00 out of $45.00 (2 out of 5 charges to my card.

My $2 from Netspend was never refunded. We were aware that there would be various debit card charges, so the discrepancies went unnoticed for a few months. Originally I called Netspend's customer service and was told the $ would be replaces in 3-5 business days. I waited 14. Then i called back. The second rep told me I had to file an online dispute. This involved downloading 4 pages, filling them out in GI Joe-sized writing, and faxing them to Netspend. This cost me an additional $5. He told me I would get my my $ back in up to 10 business days. It's now been ~45 days. No one acknowledged my fax, no email, no phone call. I finally called them again. This time I was treated like the mistakes that puppies make. They obviously have absolutely no intention of refunding my money. I currently have a pending email with Superpass to find out if they did receive the money, and toasted me at their mega-lunch.

I purchased a Netspend card to purchase an airline ticket for a relative who does not have a computer and did not want to give me their credit card number over the phone. Understandable...When trying to activate the card, they start out by badgering you about your social security number. Number one, these folks are SOMEWHERE overseas!!! It incenses me that companies outsource our confidential information to other countries with NO regard for our privacy concerns. I only wanted the card for one time use; to purchase the airline ticket. Initially I was told that I could activate the card for one time use without having to provide my social security number. I am getting the royal run around.

I made a payment to AT&T for an account that was in my aunts name, and NetSpend rejected the payment to due a name mismatch (which is understandable). In return AT&T has cntacted me advising that the payment was never posted. I contacted NetSpend...and was advised that I would have to dispute the amount because they reflect that the payment was processed. After further research they advised me that the payment was never processed but I would still need to dispute the amount because they will not be able to just ''GIVE'' me the money back....

Netspend's computers keep going down! On 11/25 the day before Thanksgiving I went grocery shopping and after picking out my food, waiting in the long line, cashing all my things out, the clerk says, I am sorry but you do not have enough money on your card. I was like WHAT? My whole paycheck was on that card.

I lost everything and then I tried to call them on the phone and waited for over 45 minutes. Then I find out that I was even charged $.50 for a phone call that gave me no information. When I emailed them about the situation because I could not get through, they said "We were updating our site to give you better service". What a bunch of hooey! There system crashed on the day before Thanksgiving!

I want my monthly fee back and the $.50 for the phone call where no one ever answered. Then, today again 11/30 I go to check my balance, and guess what? The site is down again! I am certainly going to take my money elsewhere. I was not able to buy my food for my Thanksgiving dinner! I had to wait for my paycheck to be deposited and since it was all on the card! Plus I am out money for a phone call that no one ever answered on! My kids and Husband were all so upset. This is a horrible company!

I tried to go to there website and it was GONE! I wanted to see my balance. Luckily, I was able to get all but $4.28 as planned but this is messing me up because I pay a creditor from this card monthly. Now I have the inconvience of either using my bank debit card or get another loadable card. I probably lost my $4.28 but tomorrow I'll swipe my card and see what happens. From the other complaints I've read, I'm lucky to have gotten what I got!

they have a bad time when it comes to depositing social security. I have gotten mine on the 25th to the 29 every month and i have to call them or e mail them to get anything done. the main office is in texas and they have no direct phone line published, just a fax that never gets answered. the social security system sends the funds/checks on the 17th of the month. when my bills are due on the 30 i cant pay them as they play games when they will make your funds legal. they never do things on time

Last month I was out having drinks - opened a tab and when it came time to pay - my card was declined. I took the card to the ATM - it read that the institution was down. I called the 866 # on the back - their phone system was down. The bar kept my card until I could come back and pay for the bill. EMBARRASSING!

Finally at 3am their system was up and running. I sent a complaint via email to which they replied back saying I had insufficient funds - WHAT? There was PLENTY of money in there....where did she get that information? I sent her an email back immediately saying how dare she insult me like that and must not have looked at my account to notice there was plenty of money. I was [upset] and extremely insulted. This was in October 09'

Which brings us to today - 11/25. I went to go buy groceries at wal-mart but couldnt as my card was ONCE AGAIN declined. thankfully wal-mart sysytems tell you exactly the reason. The slip shows "Appr Limit Exceeded". what are they saying? I have made 2 transactions - both under $30.00. I have $2000 in the account. so whats the problem? Sad thing is - I went to call the 866# and AGAIN - systems down, website down - phones down - card down - NOTHING NOTHING NOTHING!

Worst part is - It is Turkey Day tomorrow and Im due to fly out to Chicago. I have no money in my wallet - cant get the cab to take me there - pay the luggage fee - Absolutely stuck and no where to go. I think this is illegal and they should be held accountable. Come Monday - they just lost a customer and will file with the Better Business Bureau.

If the system does not come up tomorrow - I will have to forfeit my trip to Chicago and lose money on my airline ticket, reservations and plans with friends. I want my monthly fees back - reimbursement for lost time from work for the last times this happened and I had to take longer lunches off the clock...and inconvenience.

technical difficulties....always a problem accessing my account. cannot pay phone bill. service will be disconnected

It is the day before Thanksgiving and I have absolutely no money and I do not know how quickly this will be resolved. I just hope this gets resolved before Monday when all of my bills are due.

I lost my card on a Sunday and reported it so they stop any future use on the account and said they would issue me another card after I faxed them my I.D and a copy of my S.S. card and a piece of mail that had my address to prove who I am, cool I had no problem with that making sure who I said I was. They told me they would send one out right away be in my mailbox within 4-6 bussiness days. Well I waited untill day 10 to call back and say I never got card, and that I wanted a new sent out overnight to my home which I would have to sign for it and I would pay for it. They took off $64.00 for they deleiry and new card I was fine with that because I would have my card in two days, well my card has not gotten to me and the first ones they said they sent have not arrived. They will not tell me any information about when the cards were sent now that I have called everyday for 8 days in a row and I still have not received anything and they keep taksing fees off of balance. It has been horriable experience. The only reason I thought the card would be good is I am a bartender here in Vegas and i wanted to be able to put my cash tips on a card so I wouldn't have any cash on me on my way home. So very ****** ***I don't know what to do.

Refusing to refund money to my card. They are stating that refunds do not go on any card right away. And trying to get out of refunding it. There customer service supervisors are very rude and misleading.

And now a supervisor stated I am not eligible for their service anymore because of the negative balance on the card. I feel am owed at least the money on the card prior to the transaction clearing and a apology.

I have had to beg for my money to be released weeks after the actual transaction - they must hold onto monies and collect interest on it - something is not right here - how can they get away with this? I am cancelling my card now - the worst customer service I have ever seen - they are scammers - Save yourself any problems - never do business with these people - they are criminals.

I don't want their credit card and there is no way to contact them to cancel by telephone or internet.

I received a $25 prepaid debit Visa as a gift last year. It expires 9/09 so I called this morning just to verify the balance before I attempt to use it up. The customer rep said that it was activated in January 2008 and has never been used. However, the balance is $0 due to $2.95/month fees. Results include nominal loss of birthday gift, the giver wasted $25, and I will never do business with AllAccess or Netspend ever in my lifetime, plus I will tell everyone about their money-sucking business practices.

I purchased a prepaid credit card which I need for internet purchase, so I decided to purchase it with my own money. They asked me for my driver license and I furnished my actual license. They asked me for my SS # and I gave one (not mine), I never give my SS #! The company complained (NetSpend) so I decided to cancel. I have a balance of about $25, which they refuse to return (3 different times). It's my money.

I brought a prepaid Visa card at a check cashing. I called the company to activate it. They took all the information and told me I would get the original card in 2 weeks. 2 months later, no card. When I called, they told me that they lost the information and wants me to fax them back the information. How on earth can I fax them the information when I brought the card from a check cashing? This was supposed to be a simple transaction. Buy a prepaid Visa card, call the number, get the card activated and in 2 weeks, get your original card.

Now, I have lost the money on the card and also the money I paid to activate the card and they really have poor customer service. They had me on the phone for a couple of hours when all I wanted was to find out what happened to my prepaid card. This is how you get robbed and there is nothing you could do about it. I hope this does not happen to anyone else.

I received a gift card from my credit card co.. Since Jan. 09 I have tried to access it and it has been declined every time I try to use it. They state on their website that there are no fees involved. That is why my card has gone from $25.00 to $24.00 and now they want to charge me $2.00 for a transaction fee. So now I only have $22.00 to spend. They are not following what their website states in writing!!!! Allaccessgift.com/Net Spend.

I was handling a transaction with a reputable company in New York over the phone. They owed me $1400 and offered to simply credit it to my Mastercard Debit Account. I verified the information and they proceeded to issue a credit to my NETSPEND ALL ACCESS Card, which I have used for 5 years.

Within a few hours I received a credit confirmation via e-mail that stated " $1,403.56 available after $1,400 refund from ADORAMA, Inc 212-7410466 NY on Apr 24 at 10:46 PM."
This confirmation by e-mail is a service from NetSpend that I rely upon as verification of card activity, and I accepted it as a confirmation that funds were available on my card.

On Saturday 4-25-09 I proceeded to pay my mortgage and utilize the funds that were in my debit card account. I also went to a local store and tried to make a small purchase. I was unsuccessful on both accounts and found that my account had been frozen by NetSpend.

I called to see what the concern was and was informed that NetSpend would not honor the credit to my account, as I had not purchased anything with the card that was of that value or greater! They informed me that I would need to provide them with a copy of the sales receipt that I had purchased something from the party that credited the funds or I would need to call the merchant and require them to reverse the transaction.

I sent a copy of the invoice from the merchant that showed that the merchant had purcahsed my trade for $1400 and that they issued a credit ain favor of my Debit Card for $1400. I faxed this information to Net Spend and then called them back after three hours that they requested to review my concern.

They again informed me that the credit was not the result of a purchase and unless I provided them with a receipt for the purchase they would not allow me access to my card.

Bought a netspend card that expired two years later. Had to buy another card to replace the expired card, and was continuously told that they would fed-ex, mail to our home, mail to our P.O. Box with no results. This in turn forced us to buy new cards on a regular bases that expired every 90 days. This also forced us to spend many hours on the phone transfering money from the expired card to the many temperary cards we were forced to purchase, as well as the hours of promises made to me about the status of the new cards on their way. Because we have bills to pay, and have direct deposit onto the expired card, we were told after transfer of $5000.00 we could no longer have access to our money.

However, again after speaking with someone at Netspend while at Ace's check cashing, we were told to purchase yet another card, and at that point we would be able to tranfer money on the newly purchased card. With full intention of closing our account with Netspend as soon as our money was returned to us, we purchased another card. When attempting to transfer our monies onto the new card they told us to purchase for this transfer, we were told because we had transfered $5000.00 from the original card we had reached the monthly transfer allowance and we could not do this transfer; despite the fact that we asked them to explain how purchasing a new card would work given the money being transfered from the card that was supposedly frozen.

We were late in paying bills for the month of March. We purchased at least 6 cards within the two years of using the Netspend service. Only because the netspend representative told us buying a new card would allow them to transfer my money from the expired card to a new card. This happened at least three times.

No interest charges. No surprises.

They issue a prepaid card with an expiration date which is 3 years away, yet they won't tell you to check your balance online so you know how much and when your inactivity will begin.

I paid 9.95 to get the card to begin with, they charge a fee everytime you use the card, they charge for a paper statement, and don't tell you that there will be a fee for inactivity. So the fees will eat up any balance and close the account without telling you.

I was never told how to avoid inactivity since there would be a fee if am inactive. I paid initially 9.95 which in itself is a rip off, I was never notified by email or mail that my card is about to be inactive. I was encouraged to log online to check status of card later. My balance was only a little over 6.00, but it is the principle, then when I called they said the remaining .44 was closed, so I didn't get that sent to me either.

This firm is a rip-off. First warning should be the Blackwater name associated with this company. That alone should be a huge RED FLAG! It means corruption. Second, who is so pathetic and lame, that you pay someone to hold your money? Get in touch with reality people. There's a reason why you cannot get results with your complaints. Dishonest people don't care, and Netspend is as corupt as they come. BLACKWATER! Remember the name. Keep away from Netspend.

This company distributes all access Gift Cards with the Visa and Master Card logos on them.

I recieved (2) $50 face value gift cards for Xmas 2007. I was saving them towards a recliner for myself. Recently I purchased a chair and found that, while the cards were not expired, the company had been charging the card $3.00/month maintenance fee, plus charging 50 cents per balance enquiry. So, by the time I used the cards for my purchase, the sum total value of the (2) cards was $49, not the $100 face value.

What an incredible rip-off! You are better off giving cash, check or an American Express Gift Cheque (I also had one of these and it was still worth it's face value of $50).

Since I got it as a gift, I admit I should have checked out the terms; but I never imagined that anyone would sell such a product with a straight face given these terms.

brought a mastercard prepaid card and put 35:00 on the card. try to actiate the caed. went to the store to use the card and the card would not use, called the 800 number abd was told that the information in the computer did not match. they wanted me to send them copy of my social security card and license and i refused they made the card limited use. also they refused to give me my 3:95 i paided for the mastercard. i want the card actiated or a new card.

$25 Gift Card Card was rejected at merchant. Online balance check said card is invalid. Called Customer Service, told card is charged 4.95 after 6 months of no activity. Card was purchased 7/07. Information with card states a charge of 2.95 month with no activity. They have overcharged their no activity fee and taken the whole balance.

Gift card purchased in California -paid a activation fee when purchased, but this company has charged a monthly fee of $4.95/mo until they have sucked up the value of the gift card. This is robbery and these people should be stopped. Children get these cards and save up to buy something only to find there is nothing left. This company or people are very calculating, this needs to stop!

They stole the value of my child's gift card and they are very smug about it. Too bad they say - there was no one to talk to - Jesus just kept repeating the same thing over and over your gift card has a zero balance we know that because you people stole the value of our kids gift.

I am the recipient of an All Access Gift Card issued by Inter National Bank. The card was activated on September 14, 2007 in the original amount of $100.00. I recently attempted to use the card to make a small purchase and the transaction was denied (june 26, 2008). I contacted their customer service by telephone and was astounded to be informed that the card balance was zero. I knew my prior transactions should not have depleted the initial balance. I then went on line to obtain a transaction history. That history revealed the assessment of maintenance fees on March 31, 2008, April 30, 2008, and May 31, 2008.

The original terms and conditions provided with the card disclosed the application of a $2.95 per month maintenance fee that was to be waived for the first twelve months. The referenced assessed fees were in the amount of $4.95, $4.95, and $1.32 (bringing the card balance to $0.00). Both the timing and the fee amount assessed on this card were grossly in excess of the disclosed amount. The assessment of undisclosed fees is not in compliance with consumer protection laws and regulations.

Upon contacting the customer service area the company refunded the charges. Today, July 8, 2008, I attempted to use use the card and the transaction was denied. I went to the companies website to review my transactions and was dismayed to find another $2.95 maintenance fee levied on the account on July 1, 2008 and a $.50 collection assessed on June 27, 2008 without further notation. I assume that was for my initial telephone inquiry that revealed the $0.00 balance on June 26, 2008. It is morally reprehensible that the company wold charge me for trying to resolve their error and assessment of fees in excess of disclosed terms.

Even more maddening is to find that between my first and second inquiries to their website the company changed the wording of their disclosure to read the maintenace fee is assessable after 6 or 12 months. It did not read that way on June 26th. Fortunately, I printed the disclosure of terms and conditions as they were on June 26th.

$11.22 was taken from me in violation of the disclosed terms and conditions. The money was refunded. now $2.95 and $.50 have been feed away. Who knows how many other consumers have been victimized by this company. The disclosed fees are bad enough, but to assess them ahead of schedule and in an amount in excess of the disclosure is tantamount to theft.

Loss of $25.00. Money spent & received no product for the money. What a scam!