Netspend Reviews

For the past year, knowing when to expect my direct deposit of my payroll check has been hit or miss. Customer service only response is, "Your company hasn't sent it," or "Please provide the trace number." I have been with Netspend since 1998 and this year has been the worst. I typically can expect my deposits on Wednesdays by 3:34 p.m. and on rare occasions 4:34 p.m. on Wednesdays. This year, there is has so much inconsistency and you can't tell me it is everyone's company payroll that is the issue when the common denominator is Netspend. At least be honest instead of having your customers spend time trying to track down a trace number, which is tedious even if you know who to contact within your company to get that information.

Nowhere does it say you need to be 18 or older to activate until you get to the step of activating. My $200 went to waste because I'm 17. This is worst card company I've ever dealt with. Changes need to be made for this to be a better company. THIS SHOULD SPECIFICALLY SAY YOU NEED TO BE 18.

I’m really bothered and upset because when I went to 7-Eleven a few weeks ago to load some money into my NetSpend account, I gave the cashier register lady at the counter the money that I was willing to deposit and that was that. Then about a few days later, I was trying to use my card and it was declining. I knew I had about $1,000 in there. Lo and behold, I called the NetSpend account and they told me that 7-Eleven canceled my NetSpend account due to fraud or something of that sort.

I have been with Netspend for over 10 years to receive my social security. Never had any problems until now. I have been getting emails and texts alerts for an account that I did not open and now they trying to hold me responsible for over $100 in charges. NOT PAYING!!! Someone mentioned class action suit? Count me in!

I used Netspend earlier this year for my tax return and had no problems with the account at all. I recently started a new job and wanted to set up direct deposit with Netspend, I couldn't find my old card so I set up a new account and ordered a new card, that was on the 28th of November. I received an email on the 5th (two days before my expected pay date) that I had a pending deposit and needed to activate my card, or they would return my deposit by 12/9. I called Customer Service and was reassured that I would receive the card by Friday 12/7.

I didn't ask for this card. That's fine. I'll just throw it out. What gets me is that under the card (in the letter they sent me), it says, "To decline this card offer and/or opt-out of future mail offers from us, call..." Why should have to call them to decline this offer? Bad marketing. They deserve another one star.

November 2nd I got a prepaid card for $35. They wanted all this information, pictures so I don't want to do that so they said they would send me a refund check. Today is December 10th. I still haven't gotten my check. They keep saying it was sent. They were issued one. NetSpend is a bunch of ** Crooks. They need to just give me my $30 cash that I put on the card.

I have been using Netspend for quite a few years now and I love it. I am going to try depositing a check onto my card here in a few days by the Snapshot app thing, and hopefully it works as I don't have a bank account to cash it. If it really works like I've been reading I'm going to love Netspend more. I have referred my mom and my sister and quite a few friends here for their payroll checks to be deposited and they all seem pretty happy as well... Thank you Netspend for being so awesome for me!!!

NetSpend was the best out there in the market that I knew of. I use it for other services without the fear of somebody taking the information and running it. Even though, someone still did it two times — nowadays, you can’t really get away from fraud. On the first one, I got most of the money back because it was determined that it was fraudulent behavior from the NetSpend investigators. On the second one, the young lady was wise enough to put a hold or a stop on the card when some strange activity started happening. And then once I contacted them, I was able to get issued a new card. So, I ended up not really losing any money there. The team was wonderful each time that happened. Using the card to pay bills online is also convenient. I have direct deposit set up as well, and their reload locations are easy to find. They’ve been good for everything that I’ve needed. I haven’t had any issues or concern with the use of the card, too.

I use to have an old Netspend premier account. I didn’t use it for a while. I wanted to reload the money - it wouldn’t let me, so I decided to buy a new regular Netspend card and reloaded an emergency money I needed to use the same day. When I got home, first of all I wasn’t able to activate it, they were closed by 10 pm so I had to wait till morning. When I called the next day a girl put me on hold for about 30 min before my call got hung up and I had to call again. She told me I needed to provide identification - prove that it was me and it will take about 6 hrs, keep in my mind I already gave my social security number, address, email and whatnot and she even looked up my old account and she knew it was me but still she couldn’t do anything for me.

So Netspend sucks. I had 2 disputes denied and I asked for video evidence as well as pictures to show them that I didn't make purchases totaling 605. This is the second time this has happened. This time if my review gets denied I'm getting a lawyer - pain and suffering negligence. For both the disputes I can't believe this company is still in business. I'm going to get a petition started so they closed this place down. They need to be regulated in the US. Their clients are in the US. Look they've taken almost 1200 of my money and haven't given any of it back. It's war they want - it's war they'll get. Let this dispute be denied I am filing a class action lawsuit.

I’ve been with NetSpend for about 12 years. I understand that they have the overdraft protection but recently, I’ve been negative more than I’m supposed to be, and I’m trying to understand why exactly. I’m trying not to get mad about it. Whenever I contact customer service, they just tell me that it’s nothing under their discretion. But how is it not under their discretion. From what I was under the impression of when I was reading the rules or regulation, once you’re negative, they're not supposed to touch the person’s money.

I been with Netspend a long time. I have a friend I referred but they won't pay the 20 dollars for the referral there. Just misled you on everything but ok I will not refer another friend ever again... Hope these people go out of business... Hopefully this doesn't happen to anyone else but it's not right. You advertise 20 for a referral.

I used to work for NetSpend and getting a NetSpend card is the way we got paid. But I moved to another state. I worked in correspondence for almost a year in Austin on the center office portion of the hotel. The card's overdraft protection is really nice, even though I know it’s going away. But it’s convenient. It’s easy to transfer money from person to person. The automatic savings whenever I have a direct deposit is nice too, and setting it up couldn't have been easier. However, in terms of the interactions I had with their customer service, it's horrible.

I have no idea why you guys are sending my 8 year old son a prepaid card with his name on it! He has never nor he even knows how to apply for one! Obviously you guys have stolen somehow his info. STOP!

Netspend card was purchased by parent using their credit card (in parent's name) for daughter of $100 plus a $2.95 "activation fee" ** collected at the checkout register. However, "online activation" ** was still required. This included submitting daughter's SSN and address via an online interface. A computer generated message during this "online activation" stated that the card could not be activated given the information provided.

I used to do Green Dot, and that was how I learned about prepaid cards. I could pay my bills with my Netspend card and it is very convenient. I also could have direct deposit and setting it up had been really good. I can print up the direct deposit forms online, too. I call the customer service frequently when I’m expecting a direct deposit, and I usually get a text which I love. The people I have talked to have been very nice. I usually use 7-Eleven or Walmart as reload locations, and it is easy to find them. Netspend has helped me to be more responsible financially.

I've heard about NetSpend 6 years ago and my husband and I did a joint account. It was so easy. I didn’t have to use the banking account. The fees and the overdraft thing is also amazing. They only have one $15 fee. We did $90 at a time, and you can do it 12 times a year. It's pretty awesome. We love it, but they’re gonna stop doing it. I asked them for what and they couldn’t even answer that question.

Updated on 12/05/2018: I Called Netspend to express my displeasure About paying $100 and only having $34.55 Balance and never using card. They told me they would waive some fees and my Balance would be $66.45. Went to use card for a $60 charge declined. Tried it for $40 declined, Tried it for $30 declined tried it for $20 declined. Called to find out what's going on They never added money. Charged a $9.95 maintenance fee and $1 every time I tried to use it. Now I have a $20 balance that I cannot use. Total ** scam.

NetSpend was advertised on TV, and I thought it was something I can invest in. I went with them because they were friendlier. I've been able to manage my finances well since I used them, and I’ve not had any problems at all. Setting up my direct deposit was very easy, too. The customer service has also been good.

I have been a customer with Netspend for over 3 years. I finally decided to get direct deposit, after 3 weeks of direct deposits Netspend locked my account saying it was fraud, they didn’t send any notification nor did they send a email or make a telephone call to inform me about my account. I went to the grocery store to get food to feed my children and what do you know my account is locked. So I called and they told me I can’t do anything about my account because THEY BELIEVE IT'S FRAUD when I specifically told them it wasn’t. Now I’m out of my money let alone was extremely embarrassed about my card being locked and all customer service could do is say sorry. They are scammers and will do anything to hold and or keep your money.

I keep seeing people with bad reviews about the card and how they didn’t receive money around the end of Nov. It most definitely was a holiday. People are so impatient. I’ve never had an bad experience. Anything I needed done they’ve always fixed. They make sure they vividly explain everything and send many alerts and notice when you may feel something is wrong. I think you people expect too much from a prepaid service and as a prepaid service I think they are doing a hell of a job.

A friend of mine gave me the information about NetSpend because they get their Social Security benefits early. He said if I use it for my job, instead of getting it Friday, I get it like Wednesday. I called to sign up and then they said to go and fill out one of the forms, and they mailed me a form, and then I signed it and signed up. I had to give them the direct deposit information and I’ve been using NetSpend for seven years now.

I'm losing $392.00 because I don't know how to use the app. I am 55 y.o. male and I am definitely not up to date on technology. I barely know how to even turn a laptop on let alone use it. Just last month Nov. 7, 2018 exactly my granddaughter showed me how I can look at all my transactions on the Netspend app and saw transactions that I never made or authorized but because I didn't even know I can see all transactions THROUGH the app and quote it's been past 120 days so they say I'm responsible. Seriously!!! I didn't even know anything about these transactions!!! If I did I would have been reported it but that's not what happened here.

I had $100 in my savings account. My checking's account was negative. You guys authorized a transaction taking my money out of my savings and putting it towards my checking's account. I did not authorize this. I called in and spoke to someone who could not help me, I asked to speak with a manager and the lady on the phone had me on hold for 25 minutes. I would love it if you guys would refund me my $100. I am very upset! I am not working and for you to take money out of my account is very uncalled for. I am disappointed in this bank and the customer service.

We have had Netspend for about a year now, I'm a SAHM and my fiance works his butt off at a very dangerous and demanding job. He gets paid the same time every week to the minute. Well this week it's two hours past the time he's usually paid and as I read the reviews I get more angry, we have a family and we have bills to pay. We have a light bill due TOMORROW or out lights will be off, if my children are in the cold because of you I will contact every new station, every social media platform will be aware and if I have to go higher then that I will. My uncle is a lawyer and surely it isn't legal to hold somebody's hard earned money THEY worked so hard for. This isn't your money, it is theirs. My fiance risks it all for us to make this money. I expect to wake up to his check posted.

Oh Netspend...I had been a loyal customer of yours for 10 years. I had 2 personal accounts and a business account with your company. Today I went to use my business card and it was declined. When I called your company I was informed that all my accounts were closed due to a “security risk”. WOW...No warning, no nothing. After speaking with your manager I was informed of the reason was because I had a negative balance not $202.00 in one of my accounts for 46 days. The only reason I had a negative balance was due to a dispute that has been taking your company an extended amount of time to complete.

Updated on 12/03/2018: After responding to the company response of telling me I did not have to give out any personal information... I emailed them a copy of their response and my gift card number! I get an email saying I need to give them my phone number to get the money put back on my gift card. This has been nothing but lies, false advertising, and fraud from this company. I now know why the FBI investigated them and brought charges against this company! What a headache this has been for a $150 gift card that was supposed to be an easy gift to give! Do not support and buy products from this company! You are giving them free money!

I like that I’m able to get my Social Security check direct-deposited on the NetSpend card. The security of the account is awesome too. I’ve had my account locked a couple of times now from the activities that I wasn’t doing. Somebody got into my account and got money out. Netspend investigated, and by the next day, they had it back in my account. I loved that and it’s like you have somebody watching the account 24/7.

I’m really piss off about my payroll check that was supposed to be deposited to my card today. I always get on Wednesday 4:43 pm and now here it is 9:00 pm and still haven’t received my money. I have bills and rent I pay early and if I have to wait until Thursday Netspend can kiss my ** cause I’m changing all my benefits out of their bank. Y’all should lie and say you get your money today early if that’s not a true facts. I’m overheated about my money I work for.

Wow! How did I read these reviews first I would have never got a Netspend account. I've had it for over 2 years. My direct deposit was so late that he left me stranded a hundred and eight miles from home and all they had to say to me was, "We will post it when we get it." I already know they have it because my payslip was put in 2 days ago so I know my money is there. I just don't know where it is. This has been happening to me over and over and over. Apparently this is a standard practice from them as so that they can receive all kinds of fees if you are lucky enough to have overdraft protection so now that my car payment is now late I am in Jeopardy of having it repossessed. Thank you yet again NetSpend. As they tried to say and put the blame on MetaBank I'm almost sure that it's not them. I'm extremely disappointed as to now I am spending the night in my car because I have no way to get home. Thank you again NetSpend.

I have not received my dd and it's now 2 days late. Where is my money. My bills are late and I have no food in the house. Poor customer service. All I was told is "we apologize for the inconvenience and we will post your money when we get it." I talked with the SSA office and it was sent so someone has my money.

Direct Deposit - I am suppose to get my paycheck today. I always get it 2 days before payday by 1:15 pm but NOTHING TODAY!!! I even called my payroll and I called Netspend and of course Netspend said, "We will deposit your money" as soon as they get it... My payroll has sent it SO WHERE IS MY MONEY!!! I will be switching to another COMPANY!!!

I have multiple accounts with NetSpend and Skylight. I recently lost my wallet with all my information in it. Since I had recently activated my card I wrote my pin down so I can remember it which was also in my wallet. I called immediately after work to cancel my card and unauthorized transactions for $507 and then filed a dispute. This was October 26.

Starting bad. Unemployment check not posted yet and this is the first time using Netspend and definitely the last. I'm switching back to my bank. My fault for not reading reviews. I'm already -50¢ in the hole for calling to check my balance cause the site was not working. I don't have money to piss away and don't have time for games like this. Netspend you're playing with my money for the first and last time, Where's my deposit at Netspend crooks.

I recently upgraded to the All Access Card because I was bombarded with Netspend advertisements about how good it is. And how easy it is to switch. So I did. With a click of a few buttons. NOW all my old Netspend cards are deactivated and my account number has changed!! Netspend please tell me that my direct deposit will still be okay...that you have my old account linked to my new one. I DID NOT know this change would give me WHOLE NEW ACCOUNT NUMBER. I get paid tomorrow and I don’t want any problems. Please advise.

I’ve been using NetSpend for 10 years. When I had issues, I've tried several times reaching out to NetSpend and I don’t like the fact that when I'm calling in I get somebody foreign. They could not understand me and I could not understand them. Then I'll gotta get upset and ask for a supervisor but they don’t wanna put me on the phone with a supervisor. They'll put me on hold, hang up, and I gotta call back. One time, I asked them if they can put me on the phone with somebody from the States because my account has been compromised. I live in Milwaukee and the purchases were made at 3:00 AM, and they’re sending gifts to this place, this place, this place.

My deposit was not in my account today. I reached out to Netspend. They keep saying it's not there but my employer sent in Tuesday night at 12:00. Where is my money? I haven't had a prob with Netspend till today. I will be changing my banking. This don't make any sense. I have bills that needs to be handle and no one can give me a direct answer to that problem.

I have been a Netspend user for nearly 10 years, yes they pay you a bit earlier than others when you get direct deposit, but is it worth it. When I dispute charges you have to often write in, no problem, then wait for credit(s). If something is going wrong, and it's not your fault like other banks they would give you your money right away.

My employer releases my funds at midnight every Friday and this is the 4th time Netspend doesn't post my funds until 7am or 10am and once 3pm and being a truck driver working odd hrs this is a really big inconvenience. I will be getting a real bank account asap.

There are people including myself at my employer that normally receive their pay 2 day early from Netspend. Now if the deposit is there, usually on a Wednesday and Thanksgiving being today - on a Thursday - the holiday should not have affected the pay time - that’s not an excuse! Where is my money?

I am pissed. I have not received my direct deposit. I usually get it Wednesday nights! I have a family! I will switch to my bank if I don’t get my deposit soon!!! My employer has sent my deposit and I am leaving for Texas! I have no money! This better get fixed fast!

I have had my account now for about four years and love it. I get paid early and I don't worry about overdrafts. The only issue I have had is my deposit being late this week but it may be because of the holiday.

I have been getting paid on the same date at the same time for about 8 months now. Tonight Netspend decided to not release my funds and I don't have money to feed my family for the holiday. I have in fact verified with my employer that as always they have sent the deposit but NetSpend has not added my funds that I have worked so hard for. After reading other reviews I see that NetSpend is scamming Americans by holding their money that the employer has released. Of course the customer service is closed and I feel set up and let down. Thanks for ruining my and my family's holiday.

I've been using Netspend for almost three years and not many issues. Until today. It's a very fishy thing. Netspend contacted me about a week ago and told me "Congratulations, we want to upgrade you to a Netspend All Access Card!" and claimed new features. I said ok, and the card arrived a couple of days ago. Last night, I was paid Via Direct Deposit to my normal ol' Netspend account. Nothing was pending and I hadn't used that card in a couple of days. I happily went to sleep.

All of my money was taken out of my account because my card was stolen, however Netspend decided that the activity was not fraudulent. I've been with the card services for 2 years and I have never taken all of my money out at one time. The company told me on 11/3 that an investigation had to be ran, and told me to check back on 11/19. They then said that the 917.00 would not be credited back to my account, because they feel that I completed the transaction. I told them over and over that it was not me, and my card was stolen. The transactions were made when I didn't have my card at all. I just can't believe they would treat a customer that has been with them this long, this way.

I love Netspend. Had them for 5 yrs. No problem. Get my check 5 days before everyone gets paid. I want to open a real checking account with MetaBank but don't know how to on their website. Lol. I wish they ditch the glossy cards and print out matte finish.

I had a Western Union prepaid card for several years then it turned over to NetSpend about three years ago and I kept on using it. I like the fact that I can pay a $5 fee per month and not get charged every single time I use the card. A lot of cards you use still get charged every time you use them. I just like the card per se anyways and I never had any trouble with it. Also, my finances have become a whole lot better since I used it. It’s easier to pay my bills or order online with it, too. And with my NetSpend card, I know exactly what’s in the bank and I can’t get overdrawn. I can use it at any of the ATM’s in town, which is nice as well, and using it is the easy way to do what I need to do. So, it’s wonderful.

I want to cancel my order please. I order two cards coming to me and I don't want them. I didn't mean to order them. Please say you can cancel my transaction before they get in the mail. I just really don't need a card right now. I order to two cards from your website and I don't need them and it is under the name **. Thanks.

I didn’t have a bank account and I needed something to load my check on. I bought a Netspend card at the dollar store and loaded my check on it and ever since, I’ve had my money loaded on it. With it, I get paid two days early. Everywhere I’ve worked, if I get paid on a Friday, I normally have it by Wednesday night. Also, I get text messages that tell me how much I spend on what and Netspend lets me know how much money I’ve got left, so I know what I have left to pay the bills with. It also lets me know if anybody has used my card when they shouldn’t be. There are some things that I can get discounts on as well.

Denied access to my own money (they were sued for this in 2016, I think), couldn't get my own money from any ATM - I had "reached my withdrawal limit" when I hadn't even withdrawn any money, nor did I make any purchases! How could I reach a spending limit using my own money? Vile customer service, can't even transfer money to outside banks... it's like a ** mafia - can only use their companies. Completely untrustworthy. In closing my account, they now have to send me a check within 7-10 days... I'm hoping I get my money without any more hassles.

I bought the card from a grocery store for my daughter for her Birthday. She could not register it, because her license has a P.O. Box on it. We called, and it was a huge runaround. She was only able to use it in stores, and a dollar to two dollars was taken out every time she swiped her card. What kind of scam is this? I got the card for convenience for her. If I knew this was a whole scam I would have never bought it. Do not buy this card it! They will definitely be audit soon, and have to pay out.

Where is my paycheck. I am also experiencing problems with my direct deposit. Are you guys stealing people's money. I think that I'm going to have to report this to my local news station to get to the bottom of things. I am not the only one. It turns out to have not received my direct deposit on my card. You guys are not telling us anything and I want some answers... Like other people's reviews I have never had a problems until now. I have two small children and have already had a tree fall on my house leaving us to live in a hotel and today I could not pay my rent. I don't know what I am going to do. This sucks.

I’m very upset with NetSpend. Today my paycheck was supposed to be deposited into my bank. I called Netspend this morning and the representative was very rude, all she kept saying was I need to contact my employer to see where my money is. This is after I repeatedly keep telling her that I have already spoken to my employer MULTIPLE times and they confirmed that they sent the direct deposit successfully. WHERE IS MY MONEY??? They are going to lose a lot of customers if this isn’t corrected. This is unbelievable. People work hard for their money. I have a regular checking account but I decided to use Netspend since they promise to you deliver your direct deposit sooner but if they are going to deliver it LATER than my regular bank then I might as well stick with my financial institution. You're playing with people's hard earned money and yet they can’t even notify their own customers that they are having issues.

When I got a job and I needed direct deposit in 2006, I came across NetSpend. People recommended RushCard and Green Dot but I checked NetSpend and I liked them better. Someone took some money out of my card one time and I didn’t even know about it. NetSpend stopped me from getting online and I couldn’t even do anything but they wouldn’t let anybody take your money which is what I like about them. I use NetSpend to pay all my bills and use a reload location closer to where I live. Then, I do direct deposit most of the time. I had to call customer service for situations and they were good.

I was given this card and asked to help activate and use. My negative experience started after I realized I was required to make an account to use it. But then I also found out NetSpend takes fees for transactions. As their representative explained, it is 1 or 2 dollars depending on the type of purchase. This is my first "card" which takes fees for transactions. This a unacceptable to take money for that. And I will tell how you they are getting away with this. People buy it thinking it is a good idea for a gift without knowing that someone using this card will at least "give" back to NetSpend few dollars before the card is empty. What NetSpend does is disgusting. I will never be their client by choice. I will spread the word on Reddit about their shady practices and I hope they go bankrupt.

I liked account, but after this time, my account was locked. It said I had took too long to get and exceeded the number of times to put in password. I called and was given all kinds of directions to follow. The first 3 things worked, when it came time to do next step and enter temporary password, no way would it work. I'm totally disappointed. I'm going to have to find another place to pay my bills. I'm handicapped severely and I can't go as fast. I know my user ID and password plus email addresses. Better luck next time. I wish my account could be unlocked but no such animal!

Updated on 11/29/2018: Another two weeks and again the same issue. I didn’t get paid, this is causing me so many problems. If there is a change in the time that funds will be available it would help to let account holders know. Now I have no idea when I will be paid, this is terrible.

Received my paychecks same time each day until I’m with my employer everything went through on their end. Where’s my money Netspend!! This outrageous. I’m calling customer service and they are completely incompetent.

I am a single mother with a part-time job that lives on a very tight budget. I just started my job. I've had two checks deposited and NetSpend is took more money than I've gotten myself in my pocket. I deposited the check. Got $6 taken out of it a $20 check. Why is it I make a purchase with my card and get charged to extra dollars like you people are stealing money from people that worked hard for it. In the two weeks that I've gotten my money on this card you guys have received at least 20 of my money. You guys are crooked. You guys are thieves and I will be closing my account unless something is done better about that stuff is ridiculous. NetSpend should be ashamed of themselves. Making money off of hard-working individuals. I could understand a dollar or something but every transaction you're going to take $2 out of the two I just made, a $12 transaction and got charged $2 for it just cost me $14. That is ridiculous. Shame. Shame. Double shame.

After waiting 2 days on deposit from work to come in I am still waiting. I spend too much on fees from Netspend to have this happen. By reading past reviews it looks like this may be a recurring problem with Netspend.

I have been a Netspend customer for 3 years. This is the 4th or 5th month in a row my deposit has been late. I get notice through ADP that money has been sent by my employer but almost 24 hours later and NOTHING. Unbelievable! I will be leaving Netspend ASAP.

I received a letter in the mail from NetSpend. I have been with them for four years now but I don’t like it now as much as I did before. The direct deposit goes through before every other bank but for the past few months, it has not gone through when it needed to. MetaBank had an issue a couple of weeks ago and everyone’s funds were frozen. So, that ticked me off. Not only that, but with the NetSpend card, you can't do a lot of things like a car rental or trying to get a payday loan. A lot of places do not accept those cards especially out here in Tampa. There are not a lot of things that I can do with that card except to pay bills online and load it up. Sometimes, I use the reload locations whenever I need to load money onto the card but at the moment, I'm getting direct deposit on it.

I've been using NetSpend for 10 years now and they have always worked for me. Their service has been fantastic. I usually use it to pay my bills online. I like that I can check my balance ahead of time and if I make a purchase, they tell me right away. I've also set up my retirement from the military on it years back and I've been happy with it. Once, I lost my card and their customer service was nice and courteous and took care of it right away.

I have been a multi year customer and this is now the second time I've had issues with my money but, this time, it's devastating! I planned accordingly and I didn't get paid and I haven't received any communication from NetSpend as to why! Now, I'll miss a day of work because my money hasn't been sent to me in time and I am EXTREMELY upset!!!

I had a deposit for unemployment posted late last month. Later than it usually is. Today here I am waiting to see where my deposit it. Unemployment verified it was sent yesterday morning and here I am, 36 hours later, with no deposit when it’s way past when it usually comes. I called and they said they see no deposit and it’s not on their end. Then how come I received an email last month apologizing that their banks processing partner had a technical error? And now here we are again with a late payment.

Updated 11/20/2018: Then NetSpend posted this: "Sounds like you were the victim of a scam. Netspend does not have any promotions with Amazon. On the bright side I can confirm that the account has been closed and we do not have any of your personal information." Today is 11-19-18 & I received a NetSpend credit card in the mail even though I cancelled it & as you can see, they lied about closing the account.

At&t reimbursed $67.00 to my Netspend card. That was on November 6, 2018. Now they are saying they cannot give me my funds that are my hard earned money. Someone please tell me why does this company think that they can just take money from poor individual.

I have been with NetSpend for over 10 years now and they've been good with me. When I was working, they always had my checks two days earlier when I got paid. Now that I'm not, I still have a check going to them every month. I've also used NetSpend to pay bills and I have no problems with it. I referred a bunch of my friends to NetSpend, they got their cards and they've been happy with them too.

My ex had NetSpend and through it, we transfer money back and forth to each other. I use their direct deposit with my bank or my employer direct deposits into my account. It is usually good but I have never been able to get my deposits any sooner. My employer told me that they did the deposit but they did not know why I did not have the money. I called the NetSpend team and I was told that there were no pending deposits. There was also one time where my card legitimately got stolen and I had to call them to cancel the card. I just wish their reps spoke better English.

I wish someone at Netspend would be honest!!! My family have been customers for over ten years. Never have I been through the issues that I am experiencing the couple of months. We no longer receive our payroll one to two days earlier, My son and I both noticed our paychecks did not appear even on the actual post date. Mine is always 15th and last day of the month. My son is every week on Tuesday. Our payrolls are a day or two late. Checked the Netspend forum and lots of people complained last month about their payroll not showing up on their Netspend card. Last I enrolled in overdraft protection. It helps me those last few days before payday when my money is tight. I went to use my overdraft protection. I am not in the negative but wanted to draw more than what is in my account. I kept getting insufficient funds.

NetSpend is very versatile. I can run it like a regular debit card and I can save. I can also do autopay and ACH with it. It's convenient. I can get my paycheck a couple days ahead of time and I do direct deposits. When people pay me through PayPal for different things, I can transfer it to my card and it’s there instantly for a quarter. That's what they charge and it's convenient. There are also payback rewards if you shop at different places. And I’m able to use the card for everything online except for this one thing. But it's because they don't accept prepaid cards, which is frustrating.

My employer shows that my paycheck has been deposited onto my account. I was trying to put gas in my car and it’s saying I have no balance on my Netspend card. Where is my money? I have bills I need to pay immediately. It’s my first time using this card and I’m very disappointed.

I never had a problem with Netspend until now... My direct deposit is not here always comes @ 940... I'm in need of my money like now. This is not cool... I bust my ** for my kids and family and to tell them no I don't have a penny and it's not my fault is total B.S. Please I need my money.

I’ve not had any issues with my direct deposit at all up to now. I am confused where my money is because I’ve never had any issues whatsoever. I’ve not made any changes to my account and I know to the minute what time my money is supposed to deposit to my account. Bills are being held up at this point and I am very angry. I really need this resolved immediately.

Will be changing companies. I thought it was me, but after reading the reviews and purposely checking with my payroll company and being told that all payroll was completed and sent off to the employee's banks my DD is nowhere to be found. Never had this problem when using a different company that allows you to get paid 2 days early as well.

I’m very upset with NetSpend. Today my paycheck was supposed to be deposited into my bank yet I keep checking and nothing. WHERE IS MY MONEY??? They are going to lose a lot of customers if this isn’t corrected. You're playing with people's hard earned money and yet they can’t even notify their own customers that they are having issues.

I was sitting down eating dinner, then I got 4 text messages someone emptied out my NetSpend acct 2000 miles away. I never leave Texas yet NetSpend let all of them go through without thinking "hey this might be fraud!” They did it without my card or PIN number. I called NetSpend and they say I have to dispute it, will I get my money! They didn’t reassure me! I have bills and my acct is empty! I never even use the ATM. How did this even go through! Had my acct for a year, so that activity should have been suspicious! NetSpend I need my money now!!!

For years I have had a Netspend card and no issues until today. For the first time my paycheck was not deposited. I had to go all the way to my job and go to payroll. There they printed my check stub where they surely did send my check to the account, but Netspend says there is no deposit. Where’s my money???

I don’t understand why do they always switch up the times and days you get paid. The main response they give is, "We're only the receiving end." I work in payroll at my job. I know the money is posted the same time, every time. With Netspend one day you may get paid at 5 and the next time it may be midnight. So do they do some kind of batch posting. Or last four of your social posting because this is confusing me.

So it’s Wednesday. Was supposed to have my money yesterday. Still nothing. I understand issues and such but we as customers and workers need a text or call. We have families to feed, Bills, Personal stuff. I don’t wanna personally wait until Thursday or Friday because if that be the case I'll go back to cashing my checks.

I've been using NetSpend since 2008 and I haven't had trouble with them.

A great many people cannot access Netspend and are not receiving direct deposits of their wages they worked hard for. Bills are late to be paid due to Netspend neglect. Netspend will not pay our late fees they caused nor fix the bad marks on our credit!!! I will no longer recommend them. Google "why is Netspend not working?" There you will find many unhappy customers.

I have been with Netspend for many years. This year is the first year that I had to get new cards. Every new card has been hit with fraudulent charges. The most recent one was a fraudulent ATM usage with my card at an ATM several hundred miles away. It was for 600 plus dollars. I immediately notified Netspend. It has now been over a week and nothing has been resolved. The card is in my hand.

I have been using my Netspend card for about 7 years off and on. I recently had my Netspend card stolen and a number of transactions had been made while my card was in the possession of the thieves. When I reported it to Netspend they treated it as a typical dispute and not as an identity theft case. I even provided them with the updated police report that the thieves were arrested and the case # to my report.

I saw NetSpend in an advertisement and since I could receive my check two days prior to payday, I decided to go with them. Receiving your check on an earlier day in the week versus the last day of the week was very beneficial to me. I did all of the good stuff with NetSpend at Walgreens and at Walmart. I used the online system and a number of things with the app. I liked NetSpend for the most part that I had it and everything was perfect until I had an experience with my paycheck not posting. I had to wait a whole day and that was not good with me. Being I can’t talk to a person in person, I decided to switch my direct deposit to a traditional bank account. Nevertheless, I enjoyed NetSpend and I would recommend it if people weren’t living paycheck to paycheck.

WARNING!!! DO NOT USE THIS CARD. I purchased this card in order to pay my bills and keep it separate from other debts I have. I put $100.00 dollars on it to pay a bill that needed to be paid immediately. The money did not show on my card right away like Netspend promised so I was not able to pay my bill immediately. It took 3 days for the money to finally post. They caused me to be late on my bills that I try to pay on time. This company is a RIP-OFF. Do not use them.

I have been with NetSpend for many years and this is the first time I have had 2 direct deposits late. What is going on? We received no notifications stating that there was an issue. Now I have to wait to contact customer service.

I have good experiences with NetSpend. I heard about it when I was purchasing a car in 2011. I got direct deposits for my disability and I like their service of getting my paycheck early. Also, I get the alerts when I buy something -- I know how much I spent, what I have spent with that, and how much I got left. I use the reload location less than a quarter mile from me. I do my payments and purchases all online and I am able to pay any time. Or, I call one of the people that I’m doing business with and I give them the account number of the card, and bills are paid. It saves me from having to drive to some places to pay the bill. The customer service is very helpful as well. They’ll tell me what they can do regarding my account, and they’ll send me some things. I didn’t have to go online to find out about pending purchases. As an alternative to a brick and mortar bank, NetSpend has been great. I’d recommend them.

Anytime I need help or anything, it is attended to right away. Customer service is great. I also like getting paid a week early -- it says two days, but it is actually a week. If you happen to go over on anything, they'll cover it, too. The charge for it if you don’t put the money back in within 24 hours is 15 bucks, which is a lot. But it is understandable because the overdraft is just there for an emergency. Having NetSpend is easier than having cash, and it works. I can pay for things online. I do direct deposit with them, too. There was one time that my wallet was stolen, and it was right before I was to get a large direct deposit. I called them, and they immediately stopped my card and sent me out a new one within a day or two. I’ve tried to get several people by now, family members and friends, to open a NetSpend card. My mom already did.

Customer service is terrible. Switched from Netspend to all access. Got charged an overdraft fee because accounts did not transfer as I was informed, so payroll could not be deposited, therefore a fee was given. I tried calling three times, but given lectures and saying account numbers were same which they are not. I did update with my payroll, but too late. Will probably cancel cards with Netspend and contact BBB.

I have been with Netspend for over 4 years. Had no issues until recently. My direct deposit went through received a text stating to call before I use the card. So I called they asked if I approved of a transaction that was a foreign transaction. I said no and then they canceled my card instead of letting me get my money before they canceled the card. So now I don’t have access to my money. I have bills to pay. I asked to speak with a supervisor before she would put a rush for the 1-2 business days. I had to argue with her about it. THEN to make matters worse they still let that transaction go through. It posted on my account so I have no money because I’m waiting for the new one and even though I said I didn’t approve the transaction it went through. When I get my new card I’m pulling all my money out and never doing business with NetSpend ever again!!!

I get paid early with NetSpend which is what I like the most about them and that keeps me with them. I've had them for 7 years now and I get paid way sooner than any other veterans I know. The card works for me. I also like the anytime text alert and the customer service. They’re prompt, professional, and can always answer my questions without exception. They always get the job done quickly and courteously. Even more, using the card to pay bills or make online purchases has been very convenient. I’ve used the reload locations before and they’re always convenient as well. I can always find one if I need one. I’m very satisfied with NetSpend. They do a great service and you won’t be disappointed.

My payroll at my previous job used NetSpend and I had the advantage of getting my paycheck a couple of days faster. I wanted to test it out since with the way the bills roll, it's convenient for the check to come a little earlier. I use the direct deposit. It's also easy to use the card to pay bills or make purchases online. But sometimes, merchants don't take the card because they don't take prepaid cards. So, that becomes a disadvantage.

I was a Netspend cust for over 12 years. They offered a account upgrade for the all access card for which I accepted. I was not able to activate message. Advised calling NetSpend. I was told I had a transaction dispute and that needed to be settled before activation. The dispute was for a double billing for a monthly sub fee. The app had double billed 3 times previous months and was a issue throughout its subscribers. Netspend closed my account stating fraudulent activities. Refunded the fee and never told me they closed it. My direct deposits were sent to my account. I called and they stated they could not provide any information. I have still not received the funds that were sent to the closed account. That was Oct 25th 2018 it is now Nov 2 2018. I am contacting FTC and BBB.

I been with Netspend for yrs. My direct deposit has always came a day early between 7:35-8:00pm. On Oct 15th my DD was delayed due to MetaBank having some problems... It was then "solved". The next day got my DD at 7:53pm. So here is my new pay period and I was suppose to get my check tonight and once again my money isn't there. And it's 8:25pm. This is ridiculous I have bills to pay. And I've already emailed Netspend at social@netspend.com so Don't tell me to do that or that someone contacted me because it's bs. Netspend is going to lose me as a customer due to this bring the second time. Please fix this problem so I can get my money and close my account.

Netspend is okay if you need an early deposit. Customer service tries their best to help you. HOWEVER, they come across as retarded because of the language barrier. I have something eating my account, I was considering a switch to upgrade, but I get several different answers EVERY TIME I call. Another thing, they want written disputes so there really is nothing you can do when something eats at your account unauthorized. It is complicated, but even more so with the customer service. They just DO NOT understand WHAT you are saying. Sure they can speak English, but English comprehension is messed up. Therefore with serious complaints, and concerns, they do not get. I told them someone was hacking my account and I get, "yes mam, bla bla".

Netspend is awful, do not put your money on anything with their name, I liked Netspend but they have made it difficult to get your card activated. This is the second time I have used a card because my first one got stolen and I got a new temp card so I could pay my bills, well, I can't all because they need more verification, if it wasn't me why would I put money on it in someone else's name. I can barely understand the customer service reps, I'M tired of having to send documentation in when I have bills that should have been paid yesterday. I got lucky that I had cash on me or else I wouldn't have had gas. Horrible services, and until I get my matters taken care of I will put Netspend on full blast until someone helps or until everyone hears how awful your company is!!

We are supposed to have received our direct deposit yesterday since we have always gotten it 2 days early. This morning we still haven’t received it now my daughter is out food and hungry.... wish I could get some answers to why.

I’ve had Netspend for years but it seems as if the past couple days direct deposits have been delayed and I’m wondering what’s going on? Usually my deposit hits about 4 Wednesday evening but I still haven’t received anything.

I should've received my direct deposit today. My employer sent it and it shouldve been available today at 445. I'm still waiting and meanwhile I tried to get into online services to see what is happening and was locked out. Now I see all of these other reviews and I'm scared as to when I may be able to get to my $. Meanwhile I still owe my bills and NetSpend is free of charges! When will I see my $.

I have been with Netspend since 2009. I loved it when I got it the first time and up to now, I get deposits from there. I also get to manage my finances very easily. In fact, I don't have to go to the bank and there are neither overdrafts nor fees. I get my deposits two days quicker too. With the card, I can pay my bills and make purchases online so it's very convenient. I use the direct deposit as well. I have interacted with Netspend's team a couple of times and it's a very fast service.

First of all the customer service call center is overseas. The agents don't speak English. Two good supervisors are useless. Find a dispute about charges on a card that was stolen and got denied my money back. When I called you could hear agents laughing and talking. Not one agent or supervisor was able to answer how a card that was suppose to be block was getting used at 3 different locations at the same time. The so called dispute team claim they did an investigation and said all charges were authorized so my money is gone and now I have a minus $79.00 balance on a card that was block and looked this morning and the block card was used to buy something offline in China. I have been a customer since 2002 and this is how NetSpend treats their customers.

They did actually act very swiftly on my issue. I will be staying for a while to see if it works out.

I got my disability check a few times and my daughter told me I should get one of those NetSpend cards. She said that I could withdraw the money myself whenever. So I got it and I like it. I never have cash now. I just use my card for about everything, like paying my bills and going to the store. I go to the Dollar store and load the card on what they say the Vanilla card. There is a NetSpend and I've tried it a few times. So reloading is convenient too. I also lost the card once but the people at NetSpend have always been really helpful whenever I've talked to them.

I've been with Netspend for over 5 years and for the past couple of months I've noticed my direct deposit are getting later and later causing me to incur overdraft charges since my bills are scheduled around the days Netspend guarantee me to get paid, for years never had a problem. Every payday I'm praying because I never know what to expect, I don't like feeling afraid on payday because Netspend is not taking care of customers. Leaving so much uncertainty. Employer always verify deposits, Netspend always read rebuttal when you call which is so frustrating, I'm starting to wonder, "Is there a problem with MetaBank? Like one day without notice all our funds will be gone with them.

I've been with NetSpend since 2009 and then I went back to them in 2012. But with the little incident happened last month, I do not deposit my money there anymore. I removed all of my checks from going there because I can't experience some kind of issues when I have to have bills to be paid and take care of my children as well. I know I'm not the only account that got screwed up, several accounts got screwed up, but I can't accept that. It put me in a big bind when they messed up my funds last month. I'm trying to make that up for this month and it's still gonna take another month to get it everything back to normal.

Lately my checks have been coming in late and my bills as a result have been paid late as well. I'm sick of having to pay more on my bills than I need to. I need my checks back on time or my lawyer who has already said he'd take the case pro bono will start our lawsuit. I need my checks on time or there will be consequences. I've been with NetSpend for almost 4 years and didn't have any problems. Now all of a sudden I've had 3 late checks and almost 300 dollars in late fees for my bills. And I will contact any and all people who I need to about the company if it doesn't get resolved soon.

I started with NetSpend before because I didn't have auto-banking yet but over the years, my experience with NetSpend has been declining. All-Access just came in. I didn't understand it and I thought I was getting a benefit but instead, I lost my savings. Now, my checking is all in one account. It's telling me I can open up another savings account but I don't wanna do that. I had almost $3,000 in the NetSpend account and I would love to transfer some money into my actual bank account that I use for bill payment. But there's no way I can because I have to go to the ATM, withdraw and pay the fee of the ATM plus NetSpend's fee.

I went to NetSpend to cash my checks and it seemed like a better option than others. I've been a NetSpend customer for about 11 years now and I like it because it doesn’t act like a bank account. I have this whole thing about accounts being like tracking devices and they could put a hold on my money. Whereas, NetSpend is a bit more secretive and a bit more private. I can direct deposit my money and I can pay my bills, and everything works out fine. Setting up direct deposit to the card was extremely easy too. All tax checks also go in there. I don’t hold a bank account, so being able to transact as if this were one is extremely helpful because it attaches an ABA and a routing number to it and an account number. So if I need to pay for something online, I can do that. Paying bills or making online purchases is also very convenient.

I'm still waiting for my direct deposit after it was supposed to be deposited yesterday - excuse me - Wednesday into my account. I've been with NetSpend for a while and though I really have no issues with them until this past week needless to say I'm not happy. When you call customer service and ask them, "What's going on you," it's up to you as a company to provide them with answers that make sense to your customers. I've got bills to pay!!!

I got this card since it was a Netspend card to have my paychecks direct deposited to be available faster than regular banks. This card is a scam, and I am an avid Netspend consumer. Every time I use my card for more than 60 dollars it gets a fraud lock on it and then I have to call customer service, wait on the line then verify all of my credentials to access my money.

Been with NetSpend for years with no problems until now. My DD posts Wednesday's at 1:16pm like clockwork. However this Wednesday my DD was not there and as of now Thursday after 2pm it still is not there. Verified with my employer that payroll was done and it was completed and sent off. I am not understanding why NetSpend MetaBank or whoever has not posted my hard earned pay check. I have bills due and grocery to buy but can't because my check is as of now a day late.

I have been using Netspend for almost a year and I love it. Never had any issues and I get paid two days earlier than my co-workers! They have recently upgraded my account to the All Access account and so far so good! No complaints at all here. But I’m just wondering if they will change to the chip card?

I've been using NetSpend for the last three years but I’m probably going to end the relationship with them in the future. The card is fine. Typically, there are no issues with them when it comes to that. But on the last payroll, NetSpend was supposed to receive my direct deposit and yet, they never did. I had been having issues with the other bank involved because NetSpend is not a bank. And first, the problem was that NetSpend didn’t notify anybody about the issue. Second of all, they were not providing updates. Calling them basically meant not getting anything done. When I called them the first day, they said they were working on it. But they didn't provide any updates, hope or timeline. So the service wasn’t really up to par and they agreed with me when I asked them what they would do if they were in my place. But there was nothing being done after that.

I enjoy NetSpend as I receive my check 1 day early. I love the activity alerts and the online account center as it keeps me very alert and up to date with my account at all times. Love the Allpoint network ATMs as well.

Computerized card activation is poor. Spent over 30 minutes activating my card. You are not allowed to talk to a real person. They ask too many questions when in fact you have already paid in cash (nonrefundable) and you cannot use it until you answer many questions, create an account, a pin, a username, a password. Hey I just gave you cash at Walgreens and I have to go through this aggravation? Never again as I would never reload the card. They charge you to give you your balance, etc. Poor way to do business.

If I could give it zero stars I would. I have had Netspend for over a year now and have had no problems with getting my balance alerts or knowing my balance, even when I go out to restaurants and tip. Well last night I went out and ate at a restaurant I have eaten at before and used my card and added a tip. That was at 7-ish at night, well I checked my balance before I went to bed and this morning before I went to get my lunch it said I had 6.18 available and nothing pending.

I got NetSpend and it worked out good. So far, they've always taken care of every issue I've ever had to call them for. I had a couple of bills that came up before. One hotel that I stayed at double-charged me. In fact, it was scamming everybody and getting their numbers. That happened for many months and I saw that in my NetSpend account. I was getting charges for Louisiana and different places. I called NetSpend and they had to turn off the card. They also replaced everything which was really good. It took a little time for them to do their investigation. But they took care of everything and I was real happy with all that.

I bought the card ($50.00) to purchase a gift online from a site I don't normally shop. I've learned to be very careful when purchasing online from sites I'm not familiar with... To prevent any future headaches (purchase that are not mine) I got this card. After entering my info online... I was unable to "activate it"... I had to call customer service. I decided to do that the next day. The next day... I get 62 text messages from an unknown number!!! 62 text messages!!! Crazy stuff. The only place I recently used my phone number was the NetSpend site. Later I called to report that issue and to activate my card. I was told my card can only be activated for " IN STORE PURCHASES"! I didn't need it for that, I have cards! UGH! I wanted to use it for an online purchase. I've wasted money buying the card (fees) and will ask for a refund. RIDICULOUS WASTE OF TIME!

I’ve never had a bank card, so I’ve been going and getting my money. I don’t have anything else after that but NetSpend. I can put money away from myself because I can take it out of my checking account and put it in savings. So, all I can spend is what’s in my checking account because, in order to use anything in my savings, I had to transfer it. It helps me in that way because I act like it isn’t even there. Whatever is gone is gone and then, later on, if it’s an emergency or something comes up, I’ll use that.

When I call the program they put me on with instead of a real person just told me I was wrong, and hung up on me. The online website has been loading for a half day to activate my card. Thank god I'm not trying to get a loan on it to pay off court or nothing (joke). If I don't see this fixed tomorrow I'm leaving this review and will post more bad reviews so people know it's not worth getting.

I’m not very pleased with NetSpend at all. I had a charge hit my account over and over again, and I disputed it. And in disputing it, they closed my account and had my debit card down. I had direct deposit and they have been going through there since 2014, so it messed up my entire everything. I told them to send me my check, but I still haven’t gotten the check, and it has been over six weeks. I’m still waiting on my refund from them. Every time I call them, they put me on hold as if they don’t know what I’m talking about. I just dread holding on the phone with them and having to go through it all over again, just for them to tell me to call back in another 7 to 10 days. I’m getting $2,000 every two weeks through NetSpend and I am thinking that I will be treated a little better, but I'm not.

On October 17, 2018 I tried to purchase tickets from Ticketmaster. The last number of my 3 digit security code on the back of my card was wore off so I called customer service to ask for help. The customer service representative went through the numbers on her keyboard and figured out the last # I asked her was the transaction for the tickets going to go through and she said, "No the money will be put back on your card". My tickets came out to 230$. I had a total of 1400$ and some change on my card so this leaves me with 1200$ and some change.

I love NetSpend. They provide an easier way to get what social security gives than the direct deposit through the Direct Express. When I first started with them, they’re very open and trustworthy. They sent the card, were quick, and there were no problems or doubt. It was really good. I pay all my bills with it and whatever I don’t have in there, I don’t have it. NetSpend is my bank account. It’s my checking account and it saves everything. It is like having a regular debit card. I can get a $10 cushion too. Whenever I got in contact with anybody from NetSpend, they were right on time as well. Overall, NetSpend is a good card to have for me.

I was having some financial issues and I had to close a bank account. I needed an alternative method to get my check and a girl I work with, Crystal, told me about NetSpend. I looked into other prepaid debit card providers, but they had the least expensive monthly charge. Since using my NetSpend card, every time I spend something, I get an email so I always know what my balance is and what I spent. It’s like a check register on my phone and makes it easier to keep track of what I’m spending.

I have not received my direct deposit on the date I suppose to. Customer service didn't have a clue of what the issue is. I have been receiving DD every Wednesday from my employer through NetSpend. I am pissed because I have a bill that needs to be paid now. My account will be in the negative in which I will be charged a fee. NetSpend needs to alert their customers when their system is messed up b/c we depend on them to receive our money 2 days early. I have a second account with Bank of America. If I wanted to receive my money on a Friday I could have just kept my deposit going forward with Bank of America.

We first heard about NetSpend back in 2008, when they started using cards. Our job was using cards but it wasn't convenient for us as temp workers. We were working temporarily somewhere then so we needed to get our money on time. Then a friend of mine told me about it. At the time it was just Check 'n Go and them, and they were more conveniently located.

I’ve been with Ace Elite for 2 years and my checks were coming 2 days earlier on time. However for the last 3-4 months my checks have been coming on the regular time frame (every other Friday). Now I am asking what am I paying for nothing special obviously so I am planning to close my account with Ace and get a REAL bank account that can offer me the same plan and HOLD their end of the deal. Ace Elite SUCKS. Don’t ever trust these guys. Only way I can be satisfied if I get my checks two days early again but I can see that won’t be happening any time. Congrats Ace you lost another loyal consumer.

Simply amazing how easy it is for anyone to access your account using only your hacked email address. Switched to Flare for the $25 they said you would get for switching from Elite. Never got it and my account was hacked into.

Ok. So I work for a class one railroad and went through a divorce. My ex got my account info, drained my account a couple of times. So I went with Netspend. First direct deposit Wednesday then it has been on Thursday unless I call. I know my funds are available by midnight for the child support but called Netspend as I have a flat to see if there was anything they could do. They said there is no direct deposit pending now. So I suppose I am gonna sit here until they decide to release my funds even though the website clearly states if it post by midnight there is no reason you shouldn’t have it two days early. But here we are... Pathetic. Going to check on a more reliable carrier.

I've been a Netspend customer for over 4 years with no issues. Direct deposit on time and the same day for years. Change to the all access account and bam. Didn't receive my deposit. Call them. They say, "Oh we are having an issue with the bank." Now my bills are late. Phone about to be disconnected. And they give me the runaround saying, "We are fixing the issue." 2 days later no deposit still. Really thinking of closing my account with them. Plus when you call you don't even talk to someone in this country. And they have no clue what they are doing or talking about. All I can say is disappointed.

Hi, not here to get carried away. I usually get paid on Thursday and my Netspend card would have my money into my account every Tuesday at 12 prior to my original payday. Ok fast forward, today is Tuesday Oct 16, 2018 and I’m still here at 1936 hours (0736pm) with no funds in my account. I tried to contact these guys numerous times. One representative told me NETSPEND doesn’t handle my account, so I contacted METABANK which gave me another number back to NETSPEND, my daughter is making 2 tomorrow 10/17/2018 and I couldn’t pay for her reservations, her birthday outfit or her cake and I can’t even say when I will be able to do anything for her. Thanks NETSPEND for letting my daughter and family down. Had this account since 10/2017. I prolly won’t get a response after seeing they only respond to positive issues and not real and important issues.

I have had my Netspend card for years now and have just recently started using the direct deposit option. It's been great the first few deposits but my recent direct deposit has not gone through and it has been 4 days now that I do not have my payroll money in my account. When calling Netspend they said they are aware of the concern but cannot give me a ETA on when my deposit will clear. It has been 4 days that I don't have my money... I have bills to pay, some of my bills are going to hit my account and there will be no money in there because Netspend cannot give me a ETA on MY money. I have asked my work to see if they can void the direct deposit and they said the money has been withdrawn from their account and sent to MetaBank!! I NEED MY MONEY!!! Who is going to pay for the bounced payments???

I was having problems with the bank and I figured the NetSpend card would be good for me and stop me from overdrafting. I'm saving better now. A couple of times, there were unauthorized purchases on my card, but NetSpend investigated and once the investigation was over, I could get credit. But once I was not able to get credit and get reimbursed because someone had purchased gas at the gas station. I use the direct deposit option for my job. Normally, I get my check two days before payday, so that has been great. For the most part, the customer service reps have been pretty good, although sometimes it was a little difficult to understand what they were saying. The card has helped me a lot and I would tell friends to definitely get it. That was the best thing that could have happened when NetSpend came out with that debit card.

I've been a customer of theirs for, oh I don't know, 5-7 years, and as of late they have been repeatedly significantly delayed with payroll direct deposits. Had to wait 30 minutes on hold to speak with someone, who basically told me this was a problem. Yes, I'm aware it's a problem. This is now going on the third week of this "problem", with the last direct deposit late by about 54 hours (or almost 2 and a fourth days) and didn't post until around 12am. I didn't even call to complain last time, thinking it was a one off, this being the second time weeks later is a completely different story. Considering that I have bills to pay, as we all do, it's especially infuriating that they can't even strike my fee for the month to offset my late fees, or anything else for that matter, to show they as a company want to keep my business. In short, find another company.

My money usually hits my card around 11:00 Sunday night, here we are Tuesday evening 7:00 pm and nothing has hit my card... I reached out to them and after a 30 minute wait "John", ID# ** tells me I'll definitely have it today. I ask to speak to a supervisor and I get put on another hold for over an hour to speak with "Shane ID#**" Shane the supervisor tells me there is no guarantee, "I'll get access yo my money today, tomorrow, or any day..." She continues to give me the same Circle Jerk about how they are doing their best but can tell me why they are holding my money hostage.

Always get my dd early. Payday was actually the 15th. No dd hit my account. Called Netspend. They said there is a problem with dd and would have my money by 5 pm. That was yesterday 10/15/18. Called again today. Was told same thing. 5 pm comes and goes and no money. DO NOT USE NETSPEND. I've read reviews where this happens very often. Some say it takes up to 7 days to get their money.

This is the worst prepaid service I have ever experienced. I would not recommended Netspend. I always have trouble when it comes time for me to get my deposit. I have been waiting for my check for 3 days now. I've been calling them since 8 this morning and nothing has helped me. Still waiting to get my check. And for this very reason is why I will be leaving and going to a different bank. This is a inconvenience for me. I got bills I have to pay just like everyone else. Again I would NOT recommend Netspend! If I could give no stars I would!

Today, Tuesday, October 16th. As of 4:44 pm, NetSpend has told us for the 4th time today that they are having “technical difficulties” with disbursing my direct deposit funds. My direct deposit comes like clockwork and I knew something was wrong when I didn’t see it posted on Monday night as usual. Once I completed my 1hr 15 min hold, I was told by a supervisor that they apologize for the inconvenience but the bank will have the money deposited throughout the day, (with NO TIMEFRAME). I called back for the 3rd time today to check up on any updates and on my 3rd call and 1hr 10 min hold. I was told that the direct deposit still has NO TIMEFRAME, but also that it may not be today. It could possibly be up to Friday. FRIDAY....FRIDAY!!!! Do you know how many thing will be off by Friday! I trusted NetSpend with my money and they mistreated it.

I think it's only fair for me to report back, the issue was resolved and I am still a Netspend customer, My advice to the company would be to evaluate your phone representatives because they made this issue much worse, They were rude and each of them told me something different, things happen sometimes and I understand that but honesty goes a long way as well as respect, Thanks Netspend for working hard and resolving this issue in a timely manner.

I have been using Netspend for two years. At first every deposit on time. Now I have been waiting on deposits for days at a time. My employer notifies me every time of a payment sent. Netspend should it is illegal to hold customers' money. Sounds like class action suit coming.

I have had a NetSpend Prepaid Visa card for almost 2 years and this is my first experience with a delay of my direct deposit payroll. I have been told there is a glitch of some sort with MetaBank and the transmittal of funds from their system to NetSpend to be available to me. I like others have bills to pay and obligations that require my paycheck. I hope this incident prompts NetSpend to no longer use MetaBank or any of its affiliate banking institutions to fund their cards. The thousands of customers this has affected should be reason enough. I would hate to cancel my NetSpend prepaid Visa card but I may not have a choice as I get paid weekly every Monday and depend on consistency of my direct deposits.

My direct deposits hit every other Monday at 9:37 pm every time! For some reason my check isn't even showing and it's almost a day after it should gone through. When you live paycheck to paycheck this is unacceptable.

I researched Netspend and have had no issues for a couple of months. I appreciated all the benefits and recommended them to a friend. NOW my confirmed direct deposit paycheck was sent to them and I still do not have my money. I am freaking out. I am a single mother recently divorced on one income and I have no access to my money. I handle the payroll for my job and spoke with our processor this AM to confirm the money was sent to NETSPEND. IT WAS!!!

I have been with Netspend to years now, and have had Direct Deposit for the late three years. And in three years I have only had one other time where my direct deposit was late, but only by a couple of hours. But this time, I am very upset. My Direct Deposit was suppose to hit on 10/15, I called several times yesterday and today and was told the it wasn't Netspend it was MetaBank and they were waiting on it to be fixed. I have automated drafts like my auto insurance, my daughters tuition payment being declined, etc. and even with speaking to a supervisor, no one can tell me when the will post to my account... What am I suppose to do about my bills...and when will I get my money?

I usually receive my direct deposit on Monday evening, or Tuesday morning at the latest. It is now Tuesday afternoon, and I haven't received it yet. I spent an hour on hold this afternoon, and Netspend is telling me there is a problem getting the money from Metabank. I had my employer check everything on her end with PNC, and PNC verified that they have deposited the money. What gives?!?! I also sent an email to Netspend and have yet to hear from them. Where is my money?!?!

I've been waiting for my direct deposit to be in my account since Sunday evening October 14th 2018, and it is now Tuesday afternoon October 16th 2018, and I have yet to receive it. I got the whole run around about it was possibly my employer and everything else and it wasn't my employer it's MetaBank. This is a huge inconvenience to me and my family including my kids because we have no food and we're unable to pay bills right now and no one's giving a direct answer as to when this will be resolved.

I have been using Netspend for over two years and this week my payroll check has not been deposited to my card for over 3 days because Netspend claims they are having computer problems. Has this happened to anyone else. This is terrible to not get paid on payday because your cardholder is having computer problems. I need my paycheck and as soon as I get my money, I will be leaving Netspend. I can't wait around hoping this does not happen again. Very disappointed and customer service has not been helpful at all. I am planning to file a complaint with the State's Attorney's office if I don't get my money within next 24 hours.

Why is there a delay in direct deposit and customer service and manager are blaming the FDIC then MetaBank then they don’t have a ETA since the issues started on Friday 10/12/18. Nobody can tell consumers or businesses when they will receive money. You have people that use your products and need to be paid and take care of bills and family. And the only thing you have advised is techs are working on it with no ETA?

I have used Netspend for a while and they have been ok. No overdrafts. Small fees. However, I am now waiting on two direct deposits totaling almost 2k for days now. They have a substantial hold time and no one seems to have an explanation. Everyone has had their funds delayed nationwide.

I always received my direct deposit same time, day early every paycheck. This morning I woke up to no deposit. When I called customer service I was told they're having trouble with direct deposit from the bank. After reading the reviews on here I'm wonder if I should take my banking elsewhere. They haven't told me any resolution as to when I will be receiving my direct deposit, if I even will. I have emailed them from my secure inbox, no response there. This is a huge mess and I'm personally not happy with Netspend.

I have been with Netspend for quite a few years now. I even started to consider business with them until yesterday when I called customer service to ask what was going on with my direct deposit. I could barely get a clear answer out of this person and then they left off with, it will clear by end of day. It is now a whole business day later and nothing. I am highly upset. I have bills to pay and 3 boys to feed. This is upsetting and ridiculous that I can't get a straight answer as to where my money is! I've already spoken to the other bank and have proof that Netspend has already received it. WHY HASN'T IT CLEARED? I need my money.

There are tons of people including myself who haven't received their direct deposit since October 12. I have had bills bounce back. This is unacceptable and frustrating. Our employer sent the money but Netspend/MetaBank has not provided reason for no payment.

So I have had NetSpend for five years. I load it via Walmart or PayPal transfer. With PayPal, and the twenty times I have done it, I maybe waited 26 hours for it to deposit. Today is day five and still nothing. What I find very disgusting and irresponsible is the CSR's neglected to tell us who are waiting for various deposits, is they are having issues with the system. No, they give them a script to go by and make customer feel like it their fault. Also I would like to call there once and actually understand the person on other end. So with that being said, NETSPEND, you already have lost class action lawsuits. Are you ready to again? My money better be there today. Bye Felicia.

I have been with Netspend for 4 years. Everything has always been pretty well but right now I have not received my paycheck and I have bills to pay and there has still been no word on when I will get my paycheck. They say there is no ETA on when the files from the FTC will arrive. This is crazy. People rely on their paychecks. I have no money right now and have been waiting for my check since. I have to say with this happening and something very similar happening just a year ago, I will be canceling my account.

My company sent my direct deposit on 10/13/2018. On 10/15/2018 I contacted Customer Service for Netspend MetaBank to find out "Where is my direct deposit". I was told by Customer Service "They were having problems with the direct deposits and they are working on it". I asked "When am I going to have my direct deposit (My Check).” “Maybe tonight at 12:00 am” was the response. They then hung up the phone. I called back at 12:01 am, when my direct deposit still has not come in. Of course, they are closed. 10/16/2018 still haven't received my Direct Deposit!

Someone stole my card and used it for some online purchases. I contacted Netspend and was told they may issue a credit within 10 days and it has been well over 10 days and all I get is an email that says pretty much sorry but it takes time. I am single mom of 4 with zero help from the state or their dad so my $60 may mean nothing to them but it’s everything to me and I need it back. I just got this card and now I go back and look at all the charges they have charged me for using my card as either a debit or a purchase and in ONLY two weeks time I have been charged $33+ dollars!!! Are you kidding me? I have to pay to use my own money???

For over 15 years I have used NetSpend! And over the last 3 months my anger has been flared up and I am wanting to pull my account! We have direct deposit and we have had issues with our direct deposit being on time. I am very disappointed. Five different reps and supervisors reassured me it would be fixed today. And then we find out that MetaBank went home at 5:00 pm and left everybody hanging!! This is crapola!

Me and my sister both have Netspend, our pay dates are the 15th and the 30th of the month. Our employer released our direct deposit on the 12th but here it is the 15th and we are the only two people in the company that have yet to be paid. While doing research I came across 20 other people whose paycheck has been delayed through Netspend. But when I contact Netspend they tell me that it must be an error on my employer's end. Sorry but if over 20 people's paycheck has been delayed and the only common denominator is that we all have Netspend then the employer is not the problem. I have had Netspend for over 10 years and this issue will have me canceling my account. I need my money or someone to give me an honest answer instead of blaming everyone else.

I have used Netspend for several years with no problem. I have recommended it to others. I can no longer recommend it. Today is my payday, and I did not get my paycheck direct deposited to my account. It's 8 p.m. as I write this and I usually get it at 6:30 a.m. Almost never early as they advertise, but always on time - until today. No deposit. 3 emails and 3 calls to customer service. Lame excuses about a problem with MetaBank. They are holding $3000 of my money. I had scheduled payments rejected today and will owe fees for that. I don't know if they are really having a glitch or just stealing my money. One thing I'm sure of, I regret that I trusted Netspend with my money. Do NOT do business with them, there are reliable debit cards in the market.

My wife signed me up with NetSpend and I started receiving my deposits there. I’ve had them for almost six years now. I had good experience with them for about five years straight and everything was good until somebody cleaned my account out on September 14th and withdrew my card for almost $900 over. While the people were spending money using my card to do things online, I was getting the email alerts, and so was the supervisor at NetSpend. He was telling me on the phone how people were spending my money and I was telling him to shut the card down.

I had unauthorized charges on my card and trying to get through the "investigation" to get the fees reversed was impossible. They said they could not prove anything so I never was credited for the fraudulent charges. My paycheck and expense reimbursements are direct deposited to this account. Normally, I get the luxury of getting paid a couple days early. Lately, they are late and say the department is "busy". Even though they have received the funds they have not gone into my account. I rely on getting paid on the date I am supposed to. I have items that come out of my account. This is very inconvenient. Other than the complaints above, I have been happy and they are normally very consistent. I always liked getting paid a little early, but now I am getting paid late.