Netspend Reviews

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

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

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

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

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

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

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

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

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

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

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

Hope this helps

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

STAY AWAY FROM THIS COMPANY!!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Originally, I called Netspend's customer service and was told the money would be replaced in 3-5 business days. I waited 14 and then I called back. The second rep told me I had to file an online dispute. This involved downloading four pages, filling them out in GI Joe-sized writing, and faxing them to Netspend. This cost me an additional $5. He told me I would get my money back in up to 10 business days. It's now been ~45 days. No one acknowledged my fax, no email, no phone call. I finally called them again. This time, I was treated like the mistakes that puppies make. They obviously have absolutely no intention of refunding my money. I currently have a pending email with Superpass to find out if they did receive the money and toasted me at their mega-lunch.

Which brings us to today, 11/25. I went to go buy groceries at Walmart but couldn't as my card was once again declined. Thankfully, Walmart systems tell you exactly the reason. The slip shows "Appr Limit Exceeded." What the living hell are they saying? I have made 2 transactions, both under $30.00. I have $2,000 in the account so what's the problem? Sad thing is I went to call the 866 number and again, system's down, website's down, phones are down, card down. Nothing, nothing, nothing! Worst part is it is Turkey Day tomorrow and I'm due to fly out to Chicago. I have no money in my wallet, can't get the cab to take me there and pay the luggage fee. Absolutely stuck and nowhere to go.

I think this is illegal and they should be held accountable. Come Monday, they just lost a customer and will file with the Better Business Bureau.

Well, my card has not gotten to me and the first ones they said they sent have not arrived. They will not tell me any information about when the cards were sent. Now that I have called everyday for 8 days in a row and I still have not received anything and they keep taking fees off the balance. It has been a horrible experience. The only reason I thought the card would be good was that I am a bartender here in Vegas and I wanted to be able to put my cash tips on a card, so I wouldn't have any cash on me on my way home. I'm so very pissed off. I don't know what to do.

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

On Saturday, 4-25-09, I proceeded to pay my mortgage and utilize the funds that were in my debit card account. I also went to a local store and tried to make a small purchase. I was unsuccessful on both accounts and found that my account had been frozen by NetSpend. I called to see what the concern was and was informed that NetSpend would not honor the credit to my account, as I had not purchased anything with the card that was of that value or greater! They informed me that I would need to provide them with a copy of the sales receipt that I had purchased something from the party that credited the funds or I would need to call the merchant and require them to reverse the transaction.

I sent a copy of the invoice from the merchant that showed that the merchant had purchased my trade for $1400 and that they issued a credit in favor of my debit card for $1400. I faxed this information to NetSpend and then called them back after the three hours that they requested to review my concern. They again informed me that the credit was not the result of a purchase and unless I provided them with a receipt for the purchase, they would not allow me access to my card.

This action will no doubt delay receipt of funds from the merchant trying to credit me with the trade value that they had accepted. My mortgage will be delayed and will place me in a very precarious position as they are aware that I have recently lost my job. I will not have access to funds that are legitimate, but are being held by NetSpend. I will have to wait another 2 days to work with the merchant to hopefully reverse the credit and apply it to a Chase Bank debit card that I have, or to mail me the funds (another week's delay and trouble with the mortgage company and potentially throwing me into default), not to mention not having use of my legal funds.

Because we have bills to pay, and have direct deposit onto the expired card, we were told after a transfer of $5,000.00 that we could no longer have access to our money. However, again after speaking with someone at Netspend while at Ace's check cashing, we were told to purchase yet another card, and at that point we would be able to transfer money on the newly-purchased card. With full intention of closing our account with Netspend, as soon as our money was returned to us, we purchased another card. When attempting to transfer our monies onto the new card they told us to purchase for this transfer, we were told because we had transferred $5,000.00 from the original card, we had reached the monthly transfer allowance and we could not do this transfer, despite the fact that we asked them to explain how purchasing a new card would work given the money being transferred from the card was supposedly frozen.

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

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

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

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

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

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