Netspend Reviews

First off, I have never had to jump through as many hoops using a prepaid card service as I have with Netspend. My first issue had to do with a mailing address, apparently when you activate your card you can't use a PO box (they should maybe mention this somewhere on the packaging prior to loading the card with money because you can't use that money until its activated, this "feature" almost got my electric shut off????) and I couldn't use my physical address because I live in a rural area and it was "invalid".

I have been using NetSpend for years. They have a couple of reloading locations near me so it's easy to reload. Recently, somebody tried to steal some information off the internet and the NetSpend called me right away. They sent me another new card. I'm currently happy with my experience. My whole family also uses NetSpend and they don't complain.

I don't know if this is still Netspend's fault or my employers but it has been happening a lot since October 2018. I have been with NetSpend for many yrs. This has become a problem since October 2018. This was part of an email they sent. "We wanted to contact you and let you know that our bank's processing partner experienced a technical issue that may have caused the delay of your direct deposit on October 15th, 2018 or October 16th, 2018. As soon as we received your direct deposit on October 16th, we processed and posted it to your account." Is this still a problem with NetSpend because I haven't received my check today it should have been here today.

This service has started to cause more issues than benefits to the consumer. There's never a clear answer and it's never any acceptance of fault even though I'm able to clearly able to see when my employer releases funds.

I purchased 2 Netspend prepaid cards adding 250.00 to each card. I purchased at my local grocery store. Well I have yet been able to activate them. Upon trying to do so I was told they were already active and that I was not that name listed on the account. How is this possible? I purchased these 2 cards. I have the receipt and the cards as well as the boxes they came in. I took pictures of this as well as my social security card, my driver's license and a picture of my proof of residence and sent it over to Netspend for them to respond. No further action is being taken at this time. So I am out of 500.00 and no one can give me an explanation as to how this happened or what I can do to get my money back. I've dealt with Netspend for years but this really disappointments me. Everything is always all good till you have an issue then it becomes your own problem I guess.

I literally called 7 times about the fact that my direct deposits are being held. They put me on hold, and then they waited at least 45 minutes just to hang up on me. I need my money within 24 hours or I will be filing a lawsuit.

I have had my Netspend account for more than 5 years and never had an issue. However, today I received a transaction alert via text that $400 was withdrawn from my account at an ATM at 6:41pm. I immediately called customer service because I was sitting in traffic on the highway on my way home and hadn’t used my card since that morning at a grocery store. I looked and made sure I still had my card in my possession so how was someone able to withdraw funds from an ATM with the exact card number I had in my hand. The representative opened a claim and cancelled my card and told me I have to wait 10 business days before I will find out if I can receive a provisional credit. She also said that it could possibly take up to 45 days to complete the investigation. WHAT? Why?

So I just got Netspend to make a small purchase and just be done. All I had left to do was fill out some information confirming who I was. Not after long was I locked out of my account and have ever since been trying to use the card and make my purchase. I now know not to use this company's prepaid cards for making purchases.

My wife got NetSpend. She said it was more convenient than the cards we had and better to use. Being able to have my finances sooner is definitely a plus compared to waiting until the end of the week because I have issues before then. I also use NetSpend both for paying bills and making online purchases. It is convenient in every form. I also have direct deposit which my wife set up for me. Because I had no idea how to do that, it was very difficult for me. However, NetSpend's people are very helpful, very cordial and kind. I called when I was upset about something and whoever was on the other end was not upset. The rep took care of everything I asked for and asked if there was anything else they could do. Keep up the good work, NetSpend, and don’t let me go.

On Tuesday, February 14 I noticed a charge on my prepaid debit card for 173.50 deducted from my prepaid debit card from a Boost Mobile store. This store charged me for a phone I did not purchase and left with the merchant. I called Netspend, who say that they credited the card. On Friday eve 02/15 this unauthorized charge reappeared on my card, so On Saturday 02/15 I called and explained again that this charge was not authorized. I sent them proof from my current carrier, showing that I did not authorize nor did I purchase this phone. The representative, blocked my card, without notice, and hung up on me. When I called back and requested to speak with a supervisor, three other representatives hung up on me.

Updated on 03/19/2019: I am still waiting to get my issue resolved. The merchant sent the money back and they have not released it yet so why do you have it and have not put it back on my card? So it's been 3 weeks nothing... I'm so sad because I need my money and they do not care... Spoke to customer service and nothing. Ask for a manager didnt get me a manager... Why are you holding my money.

What got me interested in NetSpend was the fact that I would get my money two days early. You're also seeing how much you got. That comes on the email and since having NetSpend, I've been able to manage my finances better. It would be nice if they could be able to get your picture on the card though. Nonetheless, I have used NetSpend to pay bills and make purchases online and I've had no issues. It's also easy to use their reload location. It's pretty close to where I live.

Having NetSpend is like having an extra debit card and originally, the thing that I liked about them was that they had the high-interest savings. I also liked the direct deposit. The thing is that I was getting it 48 hours early but now, I get it the same day. I don’t know exactly why that is but I've also changed jobs. Lately, NetSpend has also been a little inconvenient to use. It’s been getting declined at certain establishments like Starbucks and Bill Gray’s. Then at my local grocery store, it always gets declined.

The best choice if you want to trust that your money is safe. My account was hacked and almost used twice for purchases I did not make at an online website. Netspend quickly put a hold on all of my account until I contacted them to confirm or deny the charges in dispute. Which I denied. They not only saved my money from being stolen, also sent me a new card which they paid to Express deliver overnight. I had my card the next day. So thanks Netspend. You so rock?!

I've had NetSpend for about six years and more frequently, I have the direct deposit but I’ve also used a local refill in the local H-E-B store. I would recommend NetSpend. it’s very convenient to use for paying bills online or making online purchases. And when I called them, their representatives took care of the issues. They were also very thorough and friendly.

This card is the worse. I feel like they do illegal stuff with people's info. They lie and say no personal info or social needed then they freeze your accounts and make you send the documents they say they won't ask for. You can only use 2500 per week and I live in NYC. My rent cost more than that. Unacceptable. This card is trash.

I was given this card from my employer in Greenville, TX although I wanted to use my own bank for direct deposit. I at first hesitated to use them until the first time I did. I am reviewing others and what they're saying but I've never had any issues with NetSpend on any of my accounts. In fact I quit using traditional branch banks altogether. I have never been shorted, lied to nor have I neglected to read all card agreements like the others obviously did. This company never let's fraud happen to you because fraud can't get through. I just received my income tax as well here and got it the day the IRS sent it. I was able to withdraw all I needed to at Chase bank with a teller for free. No fees!!! Please quit writing bad things about these people, they take excellent care of me and my family. God bless you all.

I didn’t like going in the bank and cashing my work check because banks have a way of doing things that cost you more money. I also didn’t want people I owe to get my personal information and my credit report. It was just so much simpler to use NetSpend and their other services. At this point, I've been with NetSpend since 2009. I have also had companies try to make me buy their services by going ahead and putting charges on my card. But NetSpend gladly took those off with no questions asked. They also gave me a new card where those companies wouldn't know my number. It was so much simpler than dealing with a bank.

So I have been using Netspend for a few weeks now. My paychecks get deposited. No problem. I hate how much it cost to get my money but whatever. This year 2019 I used Netspend for my taxes. IRS says they deposited the money on the 27. It’s the 28. I call Netspend. They don’t have it. That sucks. I don’t know where it is and really need the money.

I opened my account and got cards for my entire family for our paychecks to be deposited and tax refunds. After 8 or 9 years of loading our cards the service is horrible when you call or if you have to dispute a transaction so everyone in my family stopped using them except for myself until Feb 25th 2019. My tax refund was deposited on February 25th 2019 and my 2 week paycheck. Suddenly on February 26th without notice my account was closed. I found out when I tried to pay my electric bill to keep my lights on. I called Netspend and was told my account is closed and a refund check has been mailed out to me and it takes 3 days to get here. I wasn't given a reason why. My electric was disconnected on February 27th so I called Netspend to get a tracking number on my refund they sent me and I was told my check had not even been mailed yet. And it wouldn't be 3 days. It 10 business after the day it was closed so maybe by March 11th.

With Netspend, I get my check a couple of days early. The overdraft protection is nice. I walk right in Family Dollar and they can do the reload right there at the checkout or the counter. Sometimes the reps are very hard to understand but they're very helpful. I would recommend Netspend.

My name is Tiquanna ** from Seffner, FL. I am writing because Netspend is keep telling me they haven't received a direct deposit from IRS with my refund. I clearly checked the IRS website and it stated they sent my funds to both my Flare account and also my ACE Elite because I split my refund in two. I still have not received a direct deposit. I never had problems before with my direct deposit from my work. Netspend please deposit my funds before further action is taken than you!

I am a new customer and extremely pissed off. These idiots will not allow me to access online because the message states to go to Google or update Explorer!! I don't want to do either!!! I am canceling my 2k account immediately. Don't go with these guys!!

I've been with NetSpend for several years. I was always pleased until lately. I was told once I get direct deposit my monthly fee would go from 9.95 to 4.95 with unlimited access. NetSpend keeps charging me 9.95 per month. Only 1 customer service agent refunded the difference for the first month. The other agent refused! I gave NetSpend several opportunities to fix this. They chose to do nothing, as a Guest Service Manager myself that just shows me they don't care. So I decided to go to CHIME. They have no fees & Chime cards has a chip for added security. I highly recommend CHIME!

This company is a absolute joke. I have direct deposit with this company and more times than I care to remember, I've had to call them inquiring about my pay check. When you ask to speak to a supervisor they keep you on hold until you decide to hang up. Everyone has a different story but I still haven't received my paycheck. I am currently switching to a bank account now. They are a joke and you will be dressed out everytime you're suppose to get paid.

This company is horrible. I lost my card. Filed a dispute. Well 2 days later come to find out they denied my claim. Closed my account and mailed a 7 dollar check to me and basically told me, "Oh well your money's gone." 400 bucks and no notice of closing account or anything and I'm no longer eligible for an account. Worst card company ever. I do not recommend them.

I have been in dispute with this company since 02/09/2019 to confirm my identity after already doing so. I had my tax refund sent to my account and 2 days before it was scheduled to be deposited they closed my account and I didn't live at my address and I wasn't me. After sending them everything and more than they asked for. Then they informed me my refund was sent back before it was even released by the IRS. I've asked repeatedly for confirmation number saying it was returned and the account closed. Then last night I get a basic blah blah blah dear customer letter addressed to me with my address on it. But still no confirmation that my account was closed on the 02/19/2019 like I was informed.

When I first got NetSpend, I was living in New York and I had gotten jumped a lot. With the debit card, I don't have to carry cash. The direct deposit is one of the main benefits and as time went on, also the overdraft protection and the fact that now I got the All Access card. I can have a savings account, which I'll probably open next month. Another benefit is getting extra money for people that I get to join and being able to transfer money between accounts with them. Also, the interactions with NetSpend's reps have been very positive for the most part.

I was a victim of fraud in January, I appreciate Netspend reaching out and calling me. I did everything they asked me to including my employer sending a letter of indemnity! It’s going to be March 1st this Friday. Customer service refuse to let me speak to the fraud department. This company have over $1700 of my money!!! But they keep apologizing and my bills are behind!!! Worst customer service experience ever!!! I’ve never had a problem until then. It’s a shame!!! No one seems to care. I begged for a supervisor, Haz promised me one would call in 2 hrs??? GUESS WHAT? NOTHING!

I liked the convenience of using the NetSpend card. I didn’t have a regular account. I've been using NetSpend for eight years, and I use my card to pay my bills every month. I spoke with the customer service team recently about their check service that they used to have that they had just discontinued. After 90 days, they void out the check, and it was a whole hassle. I just got the money back from it yesterday. I wish they'll bring back that check feature that pays anyone.

I have been trying to withdraw money from the ATM for 2 days and it says "invalid account". I need my money, this is ridiculous. I have never had problems withdrawing money before. When this is resolved, I will discontinue using Netspend and open an account with a reputable bank that knows how to handle business.

I have sent 3 emails, talked to someone over the phone and left reviews everywhere I can. The app no longer works which is suppose to be for convenience, the responses I get back are "they are aware of this" "they are working on this" and oh this one here... "log on to a computer". Well to me that is very inconvenient, I don't always have my laptop with me so again... very inconvenient. The problem fixing has been going on for over a month now. I just find this very weird that people like myself cant just access our account in a couple of clicks in an app that was provided by this card service or like any other banks have especially being around the time of year it is. When will this problem be fixed or should I just go elsewhere? Sincerely, a very unhappy, concerned Netspend cardholder of 6 years.

Yes I had this card for 7 years and on February 12 my account was closed. I didn't even know until the 21 because I had to check my card for something and I call customer service. They told me some fraud was going on but they never gave me proof. They just made it harder. Now I have to change my card because I can't get another account with Netspend. Never heard of this before. Wow so bad they just lied to me. Never again.

I've been with NetSpend for nine years now and I like the fact that I don't have to deal with a regular bank. Everything is automatically deposited to be debited. The bad thing, though, is the fees. They are too much at a time. I use the direct deposit and I've had the normal issues where they blocked my card because they thought I was not who I was, but I called them and got it straightened out. In terms of customer service, sometimes there are a lot of language barriers and I wish that they would have more customer service people.

File my tax refund. IRS sent it over to my Netspend bank on 2-21- 2019. During my file process I left one digit out on my account number. I have proved that my account number with the missing number and without the missing number and they must’ve rejected my check. But can’t tell me where my check is. All they tell is, "We will send it back to the sender in a week." I don’t understand why...when I have trust Netspend with social security number. Also to have my taxes return I even call to let you know I have missed a number. So now I have to wait weeks. I’ve Be a loyal customer...for more than 3 years... They don’t care about the fact that I know the exact amount that going into my account, my direct date, and the exact spot that the one digit is missing! Wow.

I appreciated NetSpend's service and I've been with them for five years now. Last month, they caught a charge that was trying to be made and they refused it. I was paying my insurance and it was denied so I called NetSpend. They said there was an unauthorized transaction and they were in rush to send me a card quickly. None of my cash was taken and one of their employees put like a system so nobody can use my account. They said they shipped the card out, but I never received it. It was supposed to be a two-day shipment with UPS. So they sent another one and I received that then they transferred my stuff to it. The NetSpend card is easy to use as any other card. It's all I have and my budget is not much. But when I had to take back a $90 charge that I didn't make, they were supposed to send a paper but they sent me an email but I let that go with a grain of salt.

Give NetSpend a try. It works for me. While I had to replace a card one time, the process was easy. I was able to go to 7-Eleven and get a temporary card. I made the appropriate communications and then I eventually got my other permanent card. Majority of the time, I do direct deposit. I would use the reload service occasionally and there are plenty of places to get it done. Other than that, I’m looking forward to them getting the new technology onboard. Because every time that you use the card, most places that you shop at automatically assume you have a chip, so you have to tell them. Usually, it means restarting the process. There is some button they hit on their terminal and then when you tell them, “No. I need to swipe this,” they have to do something else. In the nine years I've had the card, I never had issues with the card being declined or rejected.

I originally got the card during IRS tax season 2015-2016 per IRS recommendation. The first two years were great, early deposits, and notifications were timely as well. This will be the LAST year I am using this card, next year I will be switching to the Emerald card that H&R offers. Mind you, I have my own banking system, I use this annually to get my taxes, up until April or May when I have used up my taxes on bills, etc. I also use it to transfer money to my other account.

10/11/2018 I had messaged disputedocuments@netspendsmallbusiness.com. I received a response back saying. They received my documents which was my statement and my request for provisional credit. The amount was. More than $800 dollars. Stemming from a dispute that I was told, I won and it was approved, but, my account was closed and a check would be mailed to me, I called again on the 1st of November 2018 and. The said the check was not mailed out until October 31st 2018. Ok so I wait and wait. I never received a check EVER. NOW ACCOUNT INFORMATION IS CHANGED AND I CANT EVEN ACCESS THE ACCOUNT TO SPEAK TO ANYONE ABOUT WHERE MY MONEY IS. AND SINCE THE ACCOUNT CLOSED. IVE HAD ROUGHLY $200 SENT TO THIS ACCOUNT NOT MY BY OWN SUBMITTANCE BUT BY PayPal another TSYS company.

Netspend was a good company for a while but then all of a sudden I got another card in the mail when I was in foster. I never filled out another application and now I have to go to court for identity theft because they sent a card in someone else's name!!

I purchased a NetSpend card a while ago! First off you should not have to pay that much money to get a card and to load it. Second you cannot take the money off any other way than an ATM. They charge you an ATM fee plus the banks. Then NetSpend will hold your money for any purchases you make. Like for example Amazon tried making a 102 dollar purchase on my card so I put in a dispute come to find out Amazon was not at fault. It was NetSpend and they never released the money back and the overdraft fees are crazy then it's been 2 weeks and I called today and still nothing. It's crazy. Give me my money back now!!!

I went to go pay for my breakfast this morning and got declined. Today is Friday and their business hours state that they are from 8 AM to I believe about nine or 10 PM. I called today at 8:30 AM and their customer service center is closed. Now I have no access to my hard earned money. This is ridiculous.

Back in 2006, I got a lump sum from my ex-husband for child support and NetSpend was right at the place where I went to go cash the check. It was like a loading store and they had the NetSpend card. So, I got it and I put the money on there and I've been using it ever since. Four weeks ago, I got a text message that said that there was an activity on my card for $60. NetSpend didn't process it and they needed me to get a hold of them. I told them that it was just the website that I visited and was looking at and got to the end and put my credit card information in. The cost was gonna be $40 a month so I canceled the registration, but they still went ahead and started charging me. And so, the customer service rep didn't let that go through, canceled my card and sent me a new one and saved me a bunch of money on my overdraft. I was so happy with that.

This is my first time having my wife's tax returns loaded direct to our NetSpend account. The state and federal refunds were sent to our account over a week ago but they haven't loaded them to our account. Two emails and I haven't received any response. This was my first big issue with NetSpend, but it's kind of a big one. Not happy. Might need to go back to getting a check next year. Then I'll actually get our refund.

I'm very satisfied with Netspend. I can keep up with all my transactions every time my card is used. One very happy customer. Thank you Netspend for helping me get my money faster. Awesome service and the customer service was very helpful. I will continue to use Netspend and refer friends and family to them.

Netspend is the worse prepaid service I ever had. I purchased a Netspend card to get my tax refund because I don’t like using my Account number for checking account online. I signed up. They gave me account and routing number. First thing they send my state refund back. I had to wait about 10 days to get a mailed check. Now the card is absolutely locked and I have to send in a bill. I’d and social media and remind you I definitely don’t like loading my id and social online. I’m going to have to do that before my federal check come but they also want a utility bill for my new address that I don’t have.

So for the last month the app on Android doesnt work. You can login but it freezes. I tried my browser as well. Md uninstalled the Pp and reinstalled. Worked perfectly on my husband's iPhone. Apparently from other message boards this is an issue with the last Android update and it hasnt been addressed yet. It's really annoying.

I've had NetSpend for about five years now, but I don't like them anymore. I'm able to get my funds and my direct deposit a couple of days early. However, it is like NetSpend is lacking with the rest of the banks. For instance, you can only do transactions if somebody else has Netspend. I have another banking account, but it had forced me to open up another account where I could do Vell and I could transfer from one bank to another. Netspend is always behind with the times. My direct deposit is fine and it goes straight to Netspend. Normally, it's around a certain period of time, but it has been a few times where it has been around 6 o'clock in the evening, as opposed to 12 noon. It is delayed sometimes.

I had originally noticed unauthorized charges on 12/26. Called Netspend and they immediately reversed the transactions. Then I ended up being negative again. Called them only to find out that they paid the merchants. Was told there was never a dispute filed. Okay, so I do it AGAIN that same day. Was told to send in a letter if I want a provisional credit. I did so the same day (Netspend says they didn't get it even though USPS has signed confirmation that they did). Then today I receive a letter from one of the disputed merchants informing me that they found in favor of my dispute and have credited Netspend accordingly ($102.00).

A waste of time, glad they never had the opportunity to charge me. I'm not sure if other prepaid cards work better, but using this one is a mistake. I'll listen to the reviews better next time. Here's the long story; I desperately needed a prepaid card so I could direct deposit my paycheck, my company suggested Netspend so I tried them. Since I couldn't open a bank account in my name due to the state not shipping me my Drivers Licence, and only having a temporary version this was my last resort. I ordered a card, it took a bit to arrive but it was fairly quick. I immediately went to activate it. I entered the cards info and my own (including my SSN) and attempted to activate it.

I use Netspend for my work paycard. During orientation my payee notified me I could add my fiancee to my account should I wish to. My fiancee doesn't have a bank account right now but he claimed taxes and claimed myself and our two boys as dependents. I called to add him to my account and the girl I first spoke to said we couldn't. I read up more about it and I called back and the guy who I spoke to had no idea what I was talking about. He finally asked and said I could add him as a secondary cardholder. When I told him the purpose I wanted to add him (since he asked), he told me my fiancee still wouldn't be able to receive the return on the account that I'm primary and he's "secondary" on.

I am a retired bank VP. To date I have had money stolen from my account 3 times for over $1000. First 2 times they refunded the stolen money to my NEW card they sent. It took an unreasonable amount of time for that to happen. The 3rd time however was on 1/24/19...over $1100. They actually let some criminal transfer all the funds to another card! They won’t let me have a new card so I’ve been waiting for a check from them since 1/24/19. They sent the check to the wrong address!!! To date 2/18/19 I’ve yet to receive the check.

My daughter is due a refund from her college. We went online to make sure the account was at zero before we called. She didnt jump the gun. She called the school and the bursar's office said they issued the deposit on 2/13/19. 5 days later the deposit still hasnt shown up. Shes looking at an eviction and the school keeps saying they issued it. She called Netspend and they said they dont hold direct deposits but the 1 she got on 2/6/19 was held and posted on the account the day before she had access to the money. I did some research and the company had been sued for this in 2016. Now they are at it again.

Someone stole my debit card and stole my refund last year. Then when I disputed it I was issued a new card a refunded. The very same day I got my credit refunded my BRAND NEW CARD was stolen and the money was taken again??? Netspend DENIED my dispute and said the transactions were consistent with the activity on my card (activity that was in the same area I lived in AND that happened at the same store in two separate locations. I was told that an account specialist would help amend this because I made it clear I wanted to appeal the decision.

Hoping that my tax refund will be added accordingly. I will give an update soon. I hope to leave a positive review. After the time period of when I am supposed to have my tax refund back. I've used Netspend before hoping all goes well for my tax returns. And for their future business from myself.

Hello ALL! Bear with my review. It has tons of details as well as my experience with this company. I’m sure you’ve found your way to this site after you’ve been back and forth with Netspend about your account being locked or not receiving your card on time. Well well same thing happened to me after I wasn’t patient enough to wait an extra week for my card. Everyone reading this review that is waiting for their card please wait another week. Netspend customer service is about as useless as an automatic eyeball scratcher. When I tell you that I could have saved myself the joyous experience of going back and forth with them about verifying my identity if only I had waited an extra 7 days for my card to come, because eventually my card did come but a week later; 16 days total wait. Unfortunately my account was still locked.

So my wallet was stolen. I reported my card and I've had Netspend for 2 years. I've never witnessed so much unprofessionalism until now. I was told by one rep to go to Walmart and get a temp. They can link that card until I get my new one in the mail. I have job. I can’t go a month without my money. I Uber to work. My debit card is everything. Without that. I’m fired. So I took her advice. Went and got a new one. Wasn’t told I have to load another 10 dollar before I can even purchase the thing. Mind you. I have no money. They have it. And I borrowed from a friend. Called to get the card on my account. Was told I couldn’t do that. That it’s a new account. I’m like. FINE. I’ll treat it as a savings account. And I asked for some of my money to be transferred. They did. Came to find out. Every swipe is a dollar??? I’m like WTF.

This past week unfortunately my daughter lost her ATM Card while attending college out of state. Being her birthday weekend she is traveling with friends to celebrate. I had my daughter put cash on a NetSpend card to avoid carrying cash as well as to monitor her spending. Well, her first transaction for less than $10, was declined! She waited approximately 15 minutes the first call for someone to pick up then call dropped. The second call, she waited almost as long to be told she will have to speak to the fraud unit.

Please get rid of this overseas customer service. They are reading from a script and unable to help you with your account. My card was stolen and called and cancelled the card only to find out that people were still using it and was charged over $100 in overdraft fees and never received my provisional credit. Constantly given the runaround. Each representative gave me a different story. Still waiting on dispute department and new card. I used Netspend for a long time but no longer. Fed up.

I've been with Netspend for 15 years and since using the card, I've had the convenience of doing banking and orders online. Also, I like the fact that I get the alerts anytime with anything that happens with my account.

I get Social Security checks but people were breaking into the mailboxes and I was told that as a safety precaution, it was necessary to have a debit card. So, I got a Netspend card. Having it is like having cash on hand but in a card and I don’t have to worry about spending cash. It’s also convenient in a lot of ways. I have an automatic draft and it always helps. I try to keep it to a minimum and Netspend also helps with what they call a $10 bubble. So, I have a $10 in-between if I go over. I try not to use that as much though because it affects me on the next paycheck.

I am 16 and I loaded $100 onto the card at the store. They allowed me to purchase it under 18, and I can’t activate it and my parents do not want to use their Social Security number to activate it. I created an account but like I said, I cannot activate it. This is ridiculous and I refuse to lose $100 over a stupid mistake.

So I've been using NetSpend for a few years with direct deposit my direct deposit are. Sporadic. It's never constant. It's been times where I didn't receive my direct deposit until after 5. This year I tried to have my income tax direct deposited. So I can see on the IRS when that it's been deposited but of course it's still not in my account I then try to call customer service and they are closed but they are suppose to open 8. It's past 8 at this point and they are closed. I'm so over this. I'm so done. It's not fair that they hold my money hostage. I'm at the point where I'm ready to report them for you theft to the Better Business Bureau. You've lost a customer with me and you guys will continue to lose people until you do something about this. I'm highly upset. I just want my money and to be done with this company.

You used to not take $15 when these gas stations hold $85 when you only pump $5 in gas. This is the second time. Can you please remove the false overdraft and release my funds? I have been happy up until now, but this has got to give.

They are the worst card. First and last time I will ever use this card. Used for my refund to go into. Requested it a couple weeks before I filed my taxes and I still have not received the card. Come the day my taxes are due to deposit no card. No money. That’s been said I call them to try to rectify this and explain to them my situation. The woman tries to help me and then transferred me to an automated system just for me to set up my Pin. I’m thinking awesome. Almost done. Nope. Automated system tells me they can't identify me so now I have to send in verification. I am beyond disappointed. Beyond angry. The fact that they feel like they have the right to hold onto my hard earned money is disrespectful. Irritating. I will never recommend a squad to anyone no matter if this situation is rectified. Never. I’m so glad my brother hasn’t done his taxes because he signed up for the same card. I will tell him to get a new card before he does his taxes.

I was young and I was having credit problems. I didn’t have a bank account at that time and since having Netspend, direct deposit has been a lot easier. I was having certain issues though because Netspend is not a real bank. I was trying to pay online and I couldn’t use Netspend as a bank. I couldn’t do a check and I’d have to do the card instead. But it has been a while since I ran into that issue. Also, a lot of times, talking to their customer service rep over the phone has been a little annoying. Not everybody is from the United States and there’s a language barrier. But other than that, it has been good. Netspend will help you get on your feet.

I requested a card for my brother so that his tax refund can be deposited. I got the card. Answered ALL the security questions right and still got locked out his account and on top of that his deposit is pending but before they can release his money they what him to send in all sorts of stuff. I'm about to cancel the card and tell them to send his money back to the IRS so they can send him a paper check. They're the ABSOLUTE WORST COMPANY TO DEAL WITH!

Can't log in. Password not good. Had card for over a year. Tried log on to check account. Password reset never worked. Called. Told I would get reset email. Never did. What a joke. All I can is check balance on phone. Wrote email also no response.

I do direct deposit with Netspend and I love their card. Their customer service is great too. I talked to them a couple of times and they were really nice and helpful. They check the things that I don't usually do and they do it for me. And when I had to do disputes, it didn't take very long. They went in and they sent me information of what it was about, when I did it the last time, and the payments I made. They usually know my routine now because I've been with Netspend since '09. I've had good experience with them and I'd tell people everything that I like about them.

Netspend is really bad about sending new card after old expires. My Netspend card expired around the time I got my income tax back and I never received any notification on how they will resolve it until I had to call and get the runaround. I'm currently waiting to spend my own tax money.

I purchase a card and loaded money in hopes of paying a deposit the same day. When trying to pay the transaction continue to be denied over and over and now my deposit for a vacation has now increase because it pass the timeframe. Since customer service is not open on the weekend there is no assistance trying to get my money off the card. To everyone please avoid buying a NETSPEND card as there may be too many problems you can run into on the weekend and nobody to assist. Never again and the word will be pass along.

I received a prepaid debit card in the mail that I did not sign up for. When I tried to call customer service to get the problem straightened out they wanted me to give them too much of my information. I didn't want to give them my information because I never signed up for the account originally and I wasn't sure if it was a scam or not. Since I wouldn't give them the information they basically would not help me so now I have an account open that I never signed up for. I would not recommend this company to anyone, unless you don't mind being frauded at some point. I will be contacting my lawyer!!!

I have been a loyal Netspend customer for a few years now and have had few issues other than a few delayed deposits. I had some issues over the holidays with a vendor that was unauthorized charging me for something I did not use (hotel reservation on my honeymoon), and when they refused to refund me I was told to dispute it with my bank. So I did and it was found that the vendor was wrong and I was refunded. Over Christmas I ordered a handbag from my daughter not realizing it was from overseas and I was charged twice, so when the vendor would not refund my money I disputed it and again was found to be in the right.

I'm grateful my issues landed on the proper persons desk who resolved it as I was on the phone. Thanks You Anne! She Understood my position & resolved it immediately! She was amazingly compassionate! This has been resolved!

I already have a Western Union MasterCard from NetSpend. Had no trouble activating. I just bought a NetSpend Visa and loaded 60 dollars on it and I failed activation (ACCT LOCKED). IT'S A JOKE. I WANT MY 60 REFUNDED TO ME AND QUICK.

My daughter (16 years old) needed a card for direct deposit for her work. She went online to Netspend, put in her information to get a card, got the direct deposit information. Card came in the mail a week later. She could not activate the card due to not being 18. By their own terms and conditions - you must be 18 to open an account - or have a legal guardian be the primary on the account and the minor as the secondary cardholder. We called them to get it straight. I was told to send in all of the needed documents to have me added to the account as the primary and her as the secondary. Was told it would take 6 business hours to complete the process. 4 days later - it is still not done.

I recently had an authorized charge from Comcast that took my entire paycheck. I called Netspend and was told to call Comcast for a quicker turn around versus their 15 day dispute timing. Comcast agreed the charges were unauthorized and for me to let Netspend know. Upon calling back I spoke with another rep who continued to say I understand as if this is all they are taught to say. Clearly you don't understand my paycheck was taken from my account I'm asking you to verify immediately so I can pay my bills as my power is off.

Worst card I've ever used. Charges me $1-2 dollars every time I have used it just for a regular purchase. It's a ripoff. I've paid almost half my money in fees. Never seen anything like it. Would never recommend.

I have been using Netspend for over 2 years mostly for direct deposit. A couple weeks ago someone tried to use my card either by calling up and seeing if the numbers were valid or online. I was never told exactly what it was. I then switched to their all access account which offers other things the regular card does not. Having done so about 2 weeks ago everything was fine then all of a sudden out of nowhere I get a text on my phone that there may be a problem with my card. I called up and they told me I needed to send all these documents to them for security measures and they will get back to me in 6 hours. After I agreed to do so which I don't like sending my info via email they had the nerve to tell me it would take 48 hours for them to review my information after I was told up to 6 hours.

I have been using NetSpend for at least 10 years. I had ordered a card in the mail in October for my husband, Rey, because he got a job. Rey started direct depositing his money onto my card. I thought he needed to have his own card, and I verified this. Then I got an email saying that they couldn't send it because of some reason so I had to call and it was December before I was finally able to get someone on the phone to talk to me about it. I called and talked to this guy on the phone, and I had such a difficult time even understanding him. We repeated the same thing 10 times. I told him that I needed the card and I need it in my husband's name. And the main thing is that I had paid $9.99 for the card back when I first ordered it, but I never got it.

I’m very happy with NetSpend and I like everything about it. I’m disabled and NetSpend has helped me to manage my finances. My money goes right on there, and it’s just so much easier for me because I’m also my parents’ caregiver. Their representatives have been great. I’ve already referred a couple of people to NetSpend, and they’ve been very satisfied.

So my normal payday is Thursday and it usually is in my account before I even wake up but I decided like an idiot that I wanted my money two whole days earlier. Worst decision I’ve made and I regret it so much. Late direct deposit every time, today’s early would be Tuesday yet I get my money on Wednesday morning? How’s that two days?

Netspend is pretty decent on receiving my pay two days faster, but For some reason I did not get paid two days faster like normal. Who do I speak with about this situation? Like I said before they are pretty decent. I just need to know who to speak with about my check. Please and thank you.

If I had the option to put zero stars I would have done so... I have been using this company for my banking needs for close to a year now and never had any issues. My husband set up the account from the very start. When he made the account he listed my name as his. Keep in mind been married for over 8 years but NEVER legally changed my name on my social security card or my driver’s license. I called the company yesterday and asked them would they fix my LAST name on the account because my tax refund check was going to soon be direct depositing and my last name needed to be corrected on the account. The rep tells me absolutely no problem to email them a copy of my social security card and driver’s license which I did and then I get a email informing me they completely closed my account so all my money was being sent out in the form of a check to me and my future direct deposits would be rejected.

I was scammed, someone called calming they were with the sheriffs department and I had a warrant out for my arrest and I needed to post bail. They said I had to get a Netspend card to do this. I did, out of fear and I should had known better. I never activated the cards, but assume they got the info and opened them and spent them. They changed the pin number, and SSN, so now I can't even call and find out about the cards. I have emailed Netspend and not heard back. I feel they should do something to protect those who actually purchase them and would think they would want to help victims of identity theft.

I’ve been with NetSpend for eight years and it’s been absolutely wonderful. I use it for my everyday purchases. I can use it wherever I wanna use it just like a Visa card. I also do direct deposit on it. I spoke with the reps from NetSpend and their customer service was excellent. Keep up the good work.

They keep sending me card after card. Just received another recently. I want to close all my NetSpend accounts and no longer receive these cards. I'm married now and called to see if I could have a card received set up, they ask for too much personal info. Don't trust them. Thanks Dawn **. I can see from these reviews that nothing is good happening to these people. It's sad really. And NetSpend says the same thing in response. Unacceptable!!!

I don't trust banks and I don't feel like I need to pay a bunch of money for my own money. The prices are really low at NetSpend. I like that using it is easy and convenient. I don't have to go to a bank. The mobile check loading is awesome too. With Netspend, I know exactly how much is in my account. I've also utilized the savings feature which has helped immensely. Instead of just going out and blowing money, you can put them into the savings account and that is kind of hidden from you. That helps you save money.

Netspend = exasperating. I am in a foreign country with a blocked Netspend card, when I never reported it lost or stolen. I have REPEATEDLY tried calling the only Netspend customer service number I've been given, and I get the same voicemail answer. 'We are unable to process your call at this time. Have a wonderful day.' My day is not so wonderful when I am stuck in a foreign country with no access to funds and nobody to speak to to be held accountable on Netspend's end. I feel vulnerable and not safe. When I email Netspend, I get a reply to call the number. This is going around in circles and making me dizzy in a way that is not conducive to me enjoying myself on holiday. I hope somebody from Netspend reads this and takes heed immediately. Thank you.

Don't trust this company. It sent my 15 year old son a card. When one of their major requirements is that you must be 18 years old. I contacted the company and they basically told me they work with partnerships and anyone that applies for anything that they have a partnership with will be sent a card rather they are a minor or not. Unacceptable...

I was tired of banks and what they were doing to me. Every time I get a bank account, they would send money out to people that I had no idea who they were. They also wouldn't help me in getting the money back so I said that I was done with the banks and I don't need it. Then, I discovered NetSpend through the VA and decided to do it and ever since, I've been happy with them. They don't charge an overdraft fee and it has been helping me keep my budget on track. Though I am able to use my NetSpend card to pay bills and purchase online, I cannot get DISH Network or DirecTV as they do not accept it. Despite that, their reps have been really helpful and knowledgeable if we call in for a problem.

I have been with them for over a year and the earliest I received my direct deposit was 2 hours before midnight on my normal Friday morning pay from a real bank. I complained to them but they said it is a 3rd party issue. 52 weeks and I mostly get paid Friday morning from them last year. I am done with Netspend.

I got involved with NetSpend through PayPal as a way to load funds on to the card. I've been using the card for 10 years now and I like the protection that it gives me. I was able to use it for bills and online purchases. The only issue I’ve had is trying to rent a car with it. I had to contact NetSpend's customer service once and it went fine. They’re doing good and I’m happy with everything I get out of them.

I recently had my wallet stolen about a week ago (01/24) and my card is JUST NOW being shipped to me on 01/29! That means I won’t have a card for another week! I also deposited a check and although Wells Fargo successfully received and deposited it, the money was taken back to my NetSpend account, leaving me with a negative balance in the other. I tried to deposit another check, but I was told that since I was a minor, he wouldn’t be able to give me an a approval number even though I had been given one before. I currently have no access to my money and it’s extremely frustrating! And the fact that everything has to be solved with a phone call is frustrating as well! Would not recommend.

I was going through Wells Fargo who owes me a couple of grand. I couldn’t take out more than $300 a day and when my check came, my rent was due. So, I’d have to take out that extra $300 and they would charge me for it. It’s hard when you’re on a limited income as I am right at the moment, and having Netspend helps. However, I went and used it but it wouldn’t let me take all of what I wanted out. That was really discouraging to me because it states that I can take out as much as I make without going over and keeping within the $15 overcharge, and everything would be all right.

I had a $15 NetSpend card, and in the process to activate the card. The Assistant on the phone required my address, full name, DOB, Social Security Number, a copy of my birth certificate, my ID, and identification for both of my biological parents. FOR $15!!! With all of that information my identity could be COMPLETELY stolen!!!! Do not use this service!!

I can't move money or do any functions once I log into my account. It's been two days now. I've deleted & reinstalled. This is a major inconvenience. Is there maintenance going on or am I doing something wrong?

I have been going back and forth with Netspend customer service for 2 days in regards to a suspicious transaction that I approved. A block was placed on my card that was supposed to be released in 6 hrs. I spoke with one representative and they had the audacity to tell me in 7 business days I can get a new card or I can get a check with my money from my account in 10 business days. I said, "No that's **. Any block placed on a card can be removed and what am I supposed to do for me." He told me to borrow money and I flipped out.

Been a customer for years. Today I sat down to check my balance. I was unable to log in to my account. Unable to access my money. There reply is, "We will send you a check." Why was my card locked. Security reasons suspicious activities... What do you call suspicious...? Getting groceries and gas? NEVER USE THIS CARD. Tonight we won't eat because of you Netspend. Thanks.

This company has a terrible customer service. For activating your card they would want you to send the copy of your SSN card. They said your card is activated, after going shopping, it gets declined. I called again, they said it was not completely activated. Again it was not! They charge you fee for lack of activity on the account, but they don't activate your card either! I received a card as gift, and eventually all was gone as fee. Hassle hassle. Avoid them.

They closed my account and didn’t say a WORD. I had to call and they told me it was closed to protect me. Ok...So now they say wait 10 BUSINESS DAYS for a check and rent is due on the 1st in 2 days so I will have to get a payday loan because of how they do customers. I will NEVER EVER recommend them and I'm happy the FTC sued them for freezing people accounts.

The only reason I'm giving it one star because I had to leave something. I went to Liberty Tax to file my taxes and was approved for an $3000 refund loan. I decided to get the Netspend card because the money is put on the card within 24 hours. I was given an temporary card along with all my other tax papers and left the office. Like an idiot I placed my folder on the car while I looked for my keys in my purse. I got in the car without getting the folder off the car and twenty minutes later everything was gone. I went back to the office and was told that as long as the card is not activated, it can't be used and I would get my personalized one in 10 days. Once I received the card I activated and discovered that I had $218 on my account. Someone had used the card, therefore, I filed an dispute.

Could not activate card with app, website, or automated call so I spoke with a customer service representative who told me they could not activate my card because my Social security number comes up deceased... Also since when do you give a social for a prepaid card. Do not use this company!

I will never use Netspend services again. I opened my NetSpend account in Feb 2018 to have my taxes DD. I never had an issue with using the card or anything for that fact until recently. 2 weeks ago I was filing my taxes and decided to use the NetSpend account again. Before doing so I called the NetSpend customer service to verify the account was in good standing, which it was, and also to order a new a card. Let me add that I never disputed anything on this account, never reported a card stolen, nothing.

Re: 4491345. On 12 September 2018, I went to an ATM machine to get cash. My cash was not dispensed, nor was a receipt issued from the machine. The Dispute Analyst did not investigate this claim at all. After months had been wasted, Netspend tells me I need to take the matter up with vendor after they assured my money would be returned to me. They even recognized/acknowledged that this type of event occurs. They considered the matter closed because according to them the vendor provided some 'Normal Transaction' receipt, I consider fraudulent. The fact is my money was not dispensed from that ATM. I requested the balance sheet from the ATM. I requested video of the transaction from the machine, no answer to date. My money was STOLEN at the ATM. This is some sort of scam. The ATM machine was a METABANK machine owned/serviced by National ATM Service Line.

I've been using Netspend as a premium member for several years. Recently my overdraft cushion and protection shut off. I called and they told me it's not too expensive to allow customers to overdraft. From now on I can overdraw 12 times per year, after that even the $10 cushion goes away. I don't understand how when I pay $15 for the overdraft, put the money back within a few days, and pay the $5 membership fee that it's too expensive to allow any longer. Nowhere in any of my paperwork can I find mention of this 12 time a year limit. I plan to switch banks now because not only do I want my overdraft back but I'd like to use Samsung Pay, since my overdraft features I pay for are being denied I plan to just switch at tax time now.

Let me start off by saying, I've had Netspend since 2009. In 2014, someone from Florida was able to steal 1200 from my account. Netspend gave me my money back after 10 day review and police report that state the card was in my hand during the withdraws. Fast forward to 2018, Tax time someone was able to access my account and wire $1940. Again, Netspend gave me back my money. I know by now you’re saying why do business with them. (I like getting paid 2 days early). Here we go Jan 2019, my son went to the grocery store for a few items. Card declined. What? There's money on the account. I was just paid yesterday. Well Florida scam artist at it again.

Had my card info stolen and used on the PlayStation network 130 in charges. File two separate claims because not all was cleared. First in Jan 6 second on 10th. Was told my claim would be complete on the 25th of January. Confirmed with merchant that the money was sent back as well I have received confirmation email that claim was closed. Now they’re saying that they merged them. I won’t get notice of where my money is until Feb 20. Then they said it was extended because I didn’t file for a provisional credit that they’re saying is part of the investigation on to why I didn’t file for one.

The company did activate the card. My big concern was with requiring a social security number to activate. No one should be required to supply their SS#. Identity theft by SS# is a real concern. If the company stops asking for a SS# then I would give a 5 star rating.

I have been a Netspend customer for a few years with direct deposit. I have recently retired and designated my retirement to be direct deposited into my Netspend account. Netspend put my first direct deposit in with no problem. The second direct deposit Netspend wouldn’t put through which makes zero sense. Netspend has all the paperwork about my retirement account. Now my account is locked with no warning. I can’t even access my online account to send them a secure message. I am waiting until customer service is open to close my account. I will be contacting an attorney on Monday.

At the time when I was looking for something for my checks to go to, NetSpend had a good reputation and was one of the only companies that offered the two-day early deposits. I used the card everywhere I go. I put money in savings, carry money around, save money, and pay bills. However, interactions with their representatives were horrible. I was transferred to a country where I cannot understand people and they don’t understand me back. It made communicating very difficult. Plus, there was no transferring in to speak to certain departments. They had to send tickets and somebody had to send me an email, which I never got. Then I had to call back in and try to sort things out.

I am pissed. I thought a prepaid account was the way to protect identity and I go in to a store and load $265 of my hard earned money and people from out of the country ask for all my personal information sent via email which they don't approve after I was told by an agent that Netspend could use those forms. Now they holding my money hostage. I need my funds now! That was the point of using prepaid. No one should hold your hard earned money hostage. They need to release my actual funds the same way I placed them.

I like that there is a Netspend alert any time money is put in or used. I also like being able to transfer from different accounts and my direct deposit being early. When I was in another state and I used my card, they put a freeze on my account. I had to verify that it was me getting money in another state. That was cool because that was my first time traveling and using my card.

I was a Netspend customer for a while. I have had a few problems with them. First problem was trying to get a replacement card after my card had stopped working. It took almost 2 weeks to receive the card. The next thing is transaction fees. These are way too high. It cost 1 dollar every time you use it. 2 dollars if you have to put in your pin number at the register. This is absurd. Will be cancelling my accounts today. Customer service is not much help most of the time.

I have been with Netspend for many years. I have recently upgraded to the Netspend All-Access account. I went to the grocery store to find my card was declined. I could not log in to my account because it had been locked. I contacted Netspend to find out that my account had been locked because the Compliance Department requested 3 months of pay stubs for proof of where my deposits were coming from. Unfortunately I have submitted my documents twice and still have not heard anything. I have been told that it would take 6 business hours and I am currently at 48+ hours and waiting. I keep being told that I am not sending the documents correctly. At this point I have emailed and now faxed these documents. I would not recommend this service to anyone especially since they freeze your money and you have no access to it.

I'm waiting for my direct deposit! It's very late and I have kids to feed and bills that now will be late! Where is my money? It's not my company's fault! They sent it out Monday! I need answers before I take legal action. Horrible.

I was looking for a card that I could use without having to open a bank account and I found Netspend. I get my direct deposits on there and just about anything I need to do and it's been awesome. I also have secure information and I don't have to carry cash all the time which is a good thing 'cause nobody can steal my money out of my wallet. If that happens, I call the card and it automatically gets shut down. I've had a couple of charges that I needed to block and were not supposed to come off my card and they reimbursed me. Their customer service is good. I really like my Netspend and I will suggest everybody to get one. In fact, half of my family has them now.

Updated on 01/24/2019: Yes you're right. This dumb ** non-English ** knew nothing of what she was talking about. I work for Wal-Mart who is also connected to MetaBank. My Wal-Mart card received my deposit and posted my check TUESDAY. This dumb ** gone lie and say my check HAVEN'T been sent from my employer then I tell the stupid ** about my overdraft and that my overdraft should have been cleared 'cause my check usually arrive Tuesdays at 1:30. This ** say it's not Netspend fault 'cause my job didn't send my check. How tf did I receive money on my Wal-Mart card if my check never was released from Wal-Mart... This stupid ** don't realize my check is split in two. Netspend is holding the other half.

I've had NetSpend for years. I'm at the All-Access card now, and I'm getting my disability check two days earlier. That always helps. My daughter’s income tax goes on it too. My payments also go through right away every time I make one. I'm managing my finances a whole lot better, because if I had a check, I would be in debt over my head. I don’t even mess with banks. I don’t trust them. The reload locations of Netspend are easy to find. Sometimes I have to travel to get to one, but usually, if I wanna go grocery shopping, I'll just reload while I'm there. I'd go to H-E-B on South 31st Street and it's real convenient.

With NetSpend, I am able to access my funds two days earlier. I have also been able to manage your finances better. When they found a suspicious transaction, I had to talk to them about a lost card. I reached out to them for the cancellation on a subscription. I recommended NetSpend to others.

I filed a claim against purchases I made on iOffer.com a company in China who has several merchants some real and some scammers. I brought to the attention of Netspend and they said they will investigate the claim and let me know within ten days. 10 days go past and I have been locked out of my account! I called to see what was going on. They said they closed my account due to suspicious activity.

I needed to buy heating fuel with the last money on my Netspend card. They locked my account for no reason. Sitting in a cold house now. DO NOT BUY THIS CARD! They need to be shut down before they hurt more people who make low wages. Shut them down!

We got my husband a Netspend card for his direct deposit for his new job. He got paid last Friday and we are still waiting on the direct deposit to hit the card. Contacted Netspend four different times. Each time was told something different. We are still waiting for his direct deposit. They told us it could take up to 3 business days because it's a direct deposit that's new to the card. People have bills to pay and need their money. It should not take three days after the person's payday.

Please never give one of the Netspend gift cards to anyone. Trying to activate one is insane and even worse try to reach an actual person. My 15 year old daughter received two as gifts. They require social security information along with other personal information just to use. I would rather throw away the $50 than deal with this stupidity. Sad but they probably make it so hard that others do the same. Total BS.

I am 79 years old and on Social Security solely. I moved to Netspend at the advice of my son, because the bank I have banked with for 42 years closed a branch in the and the other branch is too far to drive to. He told me that with this company I didn't need to go into a branch. HOW I REGRET THIS DECISION. My social security was deposited to my account and when I called to activate the card, they tell me my account is blocked. I ask why and they say they need to have more information that identifies who I am. That sounds both secure and reasonable so I agree and email them my State Issued ID, my original social security card which I have had in my wallet for over 50 years and my proof of address. They send me back a letter informing me that they will accept my ID and proof of address but not my social security card.

I have been a customer of Netspend for almost a year. Never had any issues that their agents couldn't assist with in a timely matter, until last month. I had a couple disputes. Unauthorized withdrawals in my card, the matters were investigated and I was informed the merchant did a refund, funny thing is, I never got it deposited in my account. So today, I went online to check my balance so I can go to the grocery store and I read a message, "Account LOCKED. Call customer service," so I did. I spoken with several different people and they said due to security reasons I am no longer able to have a Netspend account and they are closing my accounts.

Been with NetSpend for over 7 years...last year they froze my account due to someone trying to hack my account. Did what I was told to do. Everything was fine. Now my card was compromised again by someone in Jamaica New York... Going to gas station after gas station and filling up whoever's cars. I'm sorry but if you see my card being used at seven gas stations in less than an hour... And a liquor store... Why didn't they red flagged it then. Poor customer service. After $150 was taken off my card at these places. They're saying that I have to wait 3 to 5 business days to dispute these transactions.. I got bills that needs to be paid. Do you think they're going to pay my late fees... Probably not be stuck to me... And make my credit bad. Losing a very valuable customer is all I can say.

Some banks will send me a text message that I spent this much, but they don’t give me a balance. Or some of them tell me that I spent money but they won't tell me how much I spent. With Netspend, I get real-time updates with my balance every time I spend money and helps me keep it. I also get my deposits as soon as they’re deposited. The only issue I have right now is that I have my new Samsung phone and stuff with the Samsung Pay, and Netspend isn’t compatible with Samsung Pay. Also, I would like it if Netspend has cards with the chips on them now. But other than that, I don’t have any complaints.

I used the ATM to withdraw money. The problem was the ATM was unable to dispense cash but they took the money from my account anyway. I went into the bank and they told me I had to call my bank. I called NetSpend and they told me it would take 45 days and I would have to email them a update on the status of the dispute weekly to keep it open until I received the money back. I was still in the branch for the bank where the ATM was at. Provided NetSpend the receipt, the bank was willing to speak with them and I was willing to send them a letter from Chase but they still said it didn't matter. I had to wait.

This company it’s a scam! My mother-in-law purchased to NetSpend Prepaid Visa card for my sons as a Christmas gift. When I attempted to activate the cards the automated system asked me for all of my personal identification information. I was then transferred to a live advisor when I asked him why was all of my personal information being collected he stated that it was a federal law to help prevent money-laundering terrorism and fraud. I stated that did not make any sense and that I was contacting customer service to confirm what I was told. I called back spoke with a gentleman named Anthony and he explained that the information I was given was correct but that was for a card that I could reload and have deposit put onto if I did not want any of those services I could just have the card activated with limited use.

The worst direct deposit account. I closed it yesterday and I’m glad I did, I don’t know why they even charge a month for a late direct deposit. I hope they discontinue it. Netspend sucks, Netspend sucks, Netspend sucks. I’m just writing more because I have to in order to send this review.

My account was closed by Netspend. They first claimed it was for fraudulent activity, then claimed for security purpose. When I asked what activity was going on to have this occur, they told me that they could not give me a direct answer. So, if I did something wrong (which I have not) why can't they tell me? I have made the same transactions for years. Now all my money is on my card and I have no way of getting to it. They said it will take up to 20 business days before I get the balance on my card. If I did something wrong, why won't say what it is. I have seen throughout the web that many people had the same thing happen. I will make sure to let all I know about this, so they won't get screwed by this company.

I’M TIRED OF GETTING PAID LATE AS **!!! I hate this bank. I’m gonna create a LAWSUIT AGAINST YOU ALL. You have no goddamn idea I’ve been waiting all day for my **. It’s supposed to be posted at 10pm. Where in the ** IS MY MONEY? NETSPEND...

I’ve been with NetSpend since 2007. I use it to pay bills and it's convenient. I also like their early direct deposits. That works out for me because I have bills due at a certain time early. It's really convenient. I also like the overdraft pay because sometimes it's helpful. If people need a little too extra gas for the next day, that option is wonderful. Also, I have a direct deposit on my card. It was easy for me to set it up and my first paycheck went there immediately. I even have about three banks trying to get me to change over, but I just love NetSpend.

NetSpend sounded really good and I’ve recommended them to a lot of people. I have been with them since 2005 and that was the first time I had seen a debit card. The overspend thing is good. I’ve also never had a problem with customer service. They have always been great. The people who I talked to were nice. They even had conversations, which were on time. I use my card to pay bills and purchase online. It's very convenient doing those. Also, I had a direct deposit from my retirement checks. Setting up was quick and easy. I like NetSpend's service. Now, I’m part of the All-Access account.

My wife and I had high hopes for this card to provide money for our son. We put money easy enough and thought it was going to work. The first time my son used the card (During the Temporary Card Phase) at a Walmart the card was denied. Also, we did buy the card at a Walmart. I called Netspend customer service and they recommended some "tips" try it at other vendors! This is an unreliable card that is not worth having. If it is not accepted or routinely denied without cause. This is not a good solution for parents who want a safe way to provide funds to older children. And the customer service was very poor quality as well. Needless to say we withdrew all of the funds and will never use Netspend again and we recommend that to all who read this review.

I had gotten a job two years back where instead of getting a paper check, I preferred it going through a card. I didn't have a bank account then and when I was told about the Elite NetSpend card, I signed up for it. I get my checks a couple of days early and that is an awesome perk. It's so amazing that it comes with the card. With NetSpend, I can also pay five bucks and I wouldn't get charged of all those extra fees that come with prepaid cards.

I got a NetSpend card today in the mail and I don't know why I got it because I never gave them my information. Reading up on this company I realize that they are all transaction fees. After the first try I understand that NetSpend company reads these reviews. So please take me off your mailing list and I'm positive if you are an illegal company just here to rip people off of their hard-earned money.

I like the fact that after every transaction, I get a message letting me know that there has been a transaction. Sometimes it doesn't come through, but for the most part, it does. If I know that there is, then I'm good with it. If not, I know I got to keep an eye on it. I am also able to pay bills and everything online, although I don't like that I can't take out as much cash as I would want to. I can only take out around 100 and I wish it was more. Also, not all online retailers take the card, which sucks sometimes. I do the direct deposit and the process has stayed the same, so it has been good. I've also done the online secure-question-entry thing.

I think I was one of NetSpend's first customers. I’ve been with NetSpend for over 10 years now and I would recommend them. I was moving form Dallas to Corpus Christi and I had all my banks in Dallas. I wanted to have an option that was easy without having to move everything around. With NetSpend, I was able to do everything I needed to do, like transfer money and pay bills. They used to have credit reporting in the beginning though, and that was a great feature. It sure would help your credit a lot. But it got stopped so that’s one thing that I’d like to see come back.

The first time I reloaded the card at Walmart on Coit and Arapaho in Richardson, Texas, it was quick and easy. The second attempt at Walmart also on Coit Rd. in Plano, Texas, I was told there is a $10 minimum (in addition to the $3.74 load fee). The third attempt the next day, back at the Walmart in Richardson, I was told there is a $20.00 minimum (in addition to the $3.74 load fee).

I've had NetSpend for years and I started with a new job, so I got another card just for the job. I love the company. I use the card for bills, shopping, everything. I also use it for direct deposit and reload locations. I'm a dedicated customer and I feel like ever since I've had them, I never had a problem. Every time I've ever called with something, the response was great, so I wouldn't change. The representatives have always been very helpful and pleasant. I'm always recommending NetSpend.

I have been a loyal customer for 8 years. It saddens me to say how disappointed in the manner in which I have been treated. Not only have they ruined my Holidays, they issued a secondary card to an unauthorized hacker/person without any communication from me, which is totally bizarre and unheard of... Is that even legal. They did send me numerous emails which I have not open or responded to. In the past I would receive text alerts on my card activities. Why didn't they send me text alerts when they notice unusual activities or lock or flag my account. So like many of the others I was told to do a dispute in which only to be denied. So what the point of trying to dispute if they are going to deny us. What and where are our rights and where is the protection that is promised!!

I tried to activate a new card, but they said it already had someone else's name attached to the card, and that person would have to activate it. This is bogus. They just stole my $50. I think it's a glitch, but customer service won't talk to me because some other name is attached to this card, although it hasn't been activated.

Have been with Netspend since 2016. On Tuesday I found out that my accounts were locked due to the fact they stated the compliance department locked my accounts based on my transaction and that I needed to email them proof of my income for 3 months. WTH. I have direct deposit on everything that's goes into that account. I did not call to report any issues but they took it upon themselves to lock me out of my account without my consent, I have a home daycare that provides transportation. I need food and gas money and I have no access.

Re: Dispute Investigation Update 1. Claim Date: December 03, 2018. Claim Number: **. Claim Amount: $450.0. "Dear Valued Cardholder, We have received the documentation you sent us regarding your dispute claim. We will notify you if we need any additional information from you. Thank you for your patience." 12/26/2018 06:39 PM Re: Dispute Investigation Update 1. Claim Date: December 06, 2018 Claim Number: **. Claim Amount: $100.0. "Dear Valued Cardholder, We have received the documentation you sent us regarding your dispute claim. We will notify you if we need any additional information from you. Thank you for your patience."

Unfortunately I received a Netspend card as a Christmas gift this year (2018). The instructions are to visit their website and then hand over all your personal info, including social security number and birthdate, and then they’ll send you the ‘real’ card in a few days. I did not choose this card and did not feel comfortable handing over all my info for someone to steal my identity to use a PREPAID card that was a gift to me. So I called the number on the packaging specifically listed for returning the card and getting a refund (387-7363). Nothing but an automated system that you can only get through IF you’ve ALREADY provided your personal info and received the ‘real’ card, which has the card number you need to provide the system to get help.

I may just write this lesson off as a mistake and not chance my social security information to be at risk for $20.00. Brilliant!

I am beyond frustrated with Netspend. I have used them over 11 years. Lately there has been more and more inconsistency with the timing of deposits. I had a large ACH transfer cleared from the bank that sent on 1/4/19 and it still is not in my account. I have spoken with several people who are unable to give me a straight answer or explain where my deposit is. I know for a fact that it has already cleared through ACH so the fact that it is not in my account yet is very concerning. If Netspend really posts deposits as soon as they are received it would be in my account already. Their customer service is extremely unhelpful. After 11 years this is the final straw for me. I want my money.

I’ve been using Netspend as a main bank account since August 2017. I love how you can add an authorized user on your account. So I have my husband and myself set up for direct deposits with his own separate card. I love how you can receive your pay up to two days early. We are supposed to get paid on Fridays and I have received our pay on Wednesday afternoon. I don’t like the irregular posting times. Sometimes we would get our deposits on Wednesday and others on Thursday. We also have received our tax refund on this card. That was awesome because we received that early as well.

I thought great. I'll get my deposit sooner and I am disabled so I do most things online. Everything was fine until they decided I had committed fraud. They canceled my account with a balance of $158.73. They said nothing about returning my money. After calling and calling, I was finally told that they returned my money to Social Security and I would have to contact them. Well, Social Security said that was ridiculous and they had no way of finding where the money is. I called Netspend and they claim the federal government requires them to return money to them. Social Security said That was also ridiculous. That was in July 2018. Now it is January 2019 and after monthly calls to both Netspend and Social Security I have not received my money. I believe Netspend is probably doing this to others and that is stealing. Please find a local bank to put your money in.

I have been a Netspend card holder for the last several years. I personally loved their services until on December 24th. I found out that my account has been closed without any explanation because I had to submit a couple of claims regarding fraudulent activity on my account. The only answer I received once I pushed for an answer was that the RISK department has closed my account due to suspicious activity. What I don’t understand is that I could never speak with anyone in Management from the Risk department or just customer service. Instead I was told that I could no longer use their services and my account has been closed.

My 16-year-old daughter just started her very first job Christmas week. She was so excited. Unfortunately, her employer does not offer direct deposit and the local banks by our area she has to be 17 to get a student checking account. So, we went onto Netspend to set up an account, then printed out the routing and account number for her direct deposit. Her new card arrived last week on the same day her payday is. She was so excited to activate it online, only to find out her direct deposit is pending and we had to call the number on the pop up on our screen. We found out that her deposit is pending as she is a minor. I was given an email address for documents@netspend.com that I had to send a copy of my drivers license, a copy of my daughter's social security card and mine. They would then process it and activate her card.

I have had Netspend for years and up until the end of October 2018 my direct deposit have been late and it's not my employer. I already went down that road. It's MetaBank. That is the problem. I don't understand why every 2 weeks it's a problem to release my money. My payday was Jan 5th and here we are on Jan 6th at 8:30 pm and still no money. I have rent that's already late and this is ridiculous. It's not like MetaBank or Netspend will reimburse me for my late fee. Seriously going to try and get a bank account because I can't deal with MetaBank anymore. WHERE IS MY MONEY!!

I had their cards for over 6 years. Up until last year everything was fine until I had to file a few disputes then poof they shut down my account about 3 days before I was suppose to get paid. My husband receives benefits and they decided to lie and say they sent it back. My husband called the disability people and Netspend still hasn’t sent the money back to the treasury. Pure and simple fraud and theft. He told the government that the account had been closed so they know and Netspend needs to return that money ASAP. No games anymore. I’m truly glad Netspend is done with us because they rob your money anyway. We decided to go through Green Dot. No fees every stinking month no overdraft charges. I definitely do not recommend their products to anyone. Scam company!

My card was used without my permission. Money missing from my account. I call in. Can’t really understand the person I'm talking to. Had to called three times. I'm crying because all my money is gone. All they are telling me is that let them file a dispute a claim and I maybe be able to get my money back. I got no text alert that my money was even coming out. I have been with Netspend since 2007. This has happen to me once before and they didn't put it back. If I don't get it back this round I'm going to report them to the FDIC. I think they ripping people off. I'm very upset with Netspend. Thinking about having news report investigate.

I switched from a bank some time around 2014 because I got tired of having to even go to a bank and deal with all of that. So I use NetSpend. It may have also been tax return that started it off and it’s been my bank since then. The direct deposit always works well for me and I also pay my bills with NetSpend. I have a couple set up that takes money off of there. I used to get a text that would tell me about my transaction when I spend. I haven’t set that up with my new phone but I can still find out what my balance is instantly. It’s in real time and I never have any issues with that. That has always been good and very accurate.

This was the worst service I could get. My father got a card and out 150 dollars in it to pay a bill. He just had throat surgery so he couldn't speak so I tried to do it through the website and it DID not let me. Then I spoke with a representative and she still wouldn't activate it. I had all the info including full social then said I had to have him send a pic of his driver license an send it to their email then wait 6 hours for a activation code which by the way took a whole day so we were late on our bill and had to pay a late fee. Do not get this card!!!

My disability comes in on my Netspend card. I was getting a paper check, but the government made everything go automated so we had to get cards. I chose Netspend because we didn’t have to pay any fees or anything for it except when I used it. My daughter also had one, and she had good experiences with hers. I’ve had Netspend since 2006, and I also have good experiences with them most of the time. Every time a transaction comes off or something gets loaded on to the card, I am aware of it. It notifies me. So, I like that. I also utilize their reload locations. It is very easy to do and there’s one reload location right down the road from me. I’ve been quite pleased with Netspend, and I tell people about it. The team at Netspend is very courteous and helpful. They try to rectify a problem if you have one.

These people are thieves! They charge a fee if you use the card as debit or as credit, you have a charge for everything. So it is not worth getting this card. Aside from having to provide your social security number you get cheated out of your own money. It is better if you open a bank account with an actual bank than use Netspend. So closing this account. Not giving away my money to this corrupt company.

I bought this card because I was in a rush - needed a quick and easy prepaid cc that I could use immediately and this was not it whatsoever. They insisted on treating it as if I was opening up a legitimate account with them which I had no interest in doing. Not only that but they charge fees for EVERYTHING and ANYTHING THEY CAN to use this card practically just to look at it - ridiculous. I SINCERELY SUGGEST GETTING A DIFFERENT CARD - even if it costs $1 more to activate it, it’s worth it not having to deal with this greedy messed up bs. PERIOD.