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Netspend

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1.4 out of 5, based on 87 ratings and
165 reviews & complaints.
Company Profile
Netspend
PO Box 2136
Austin, TX 78768-2136
1-866-387-7363 (ph)
www.netspend.com
customerservice@netspend.com
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StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

AUSTIN, TEXAS -- Applied for a prepaid debit card for my son who is 15. Got the card and then they said I had to give his social security number which I refused to do as he is a minor - they then said that they would set up an account as me as the primary holder and then my son could get a card - I reluctantly agreed and provided my information including my SSN. I received my card and my son's a couple of days later. I then loaded some money on the card and my son used it once and then it stopped working. I attempted to look at the account online and it said my account was locked.

I called in. They said the account was locked because I needed to send in documents verifying my son's identity - I told them I would not provide that information and that I set up the account as required by the agent I spoke with previously. They said they would not activate the account unless I sent in documents which I refused to do. I then started asking question because whomever I was speaking with did not speak proper English yet was telling me that he was headquartered in Austin, Texas. When I asked for his information and identifying number - he gave me the name Matthew ** and he was the supervisor.

I then requested the address of the office he was at, and he had to put me on hold for 3 minutes to get the address which I found very suspicious. When I pressed him on wanting the street address, not the PO Box - he said he could not give me that information. I cancelled the account and requested my money be refunded which he said I would receive in 7-10 business days. This seems like a very big scam and I am now concerned that they have my SSN.

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Dispute of 2 Unauthorized Trasactions
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

AUSTIN, TEXAS -- I have had NetSpend, now going by Ace Elite account since 2007. I filed 2 disputes: 1 in the sum of $4.95 and 98.41. I've never had any problems of people hacking my account except for this year 2016, I have had to file and close my card and have had to wait 10 business days for another 2 other times. I use this card to pay my monthly bills. The company found In my favor for the $4.95, but still had to wait another month to find out their decision on the $98.41. Well that one they found in favor of the thieves and withdrew it from my account.

I am disabled and live on a very small income from SS. I only get $748.00 a month. I have No clue how they found that the $4.95 was valid, but found it was valid for the $98.41. I have requested the documents on how they determined that the $4.95 was valid but not the $98.41 both from the same company. I am still waiting for the information.

I have used this card only because it was easy for me as I am limited on getting around. But now I must find a way to get a real Banking account and Close my NetSpend/Ace Elite account as soon as possible before it happens again. I don't think they are taking Security serious or I wouldn't have have had so many issues this year.

So I say to anyone that is thinking about using this Company because it is easy Not to get one of their cards!!! You will lose your money should anyone get into your account. They are not good advocates and care about their customers!! Also when you call it seems nowadays that the people you talk to are not English speaking people. They are hard to understand. I Have to repeat back what they say so I am sure I understand what they said.

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Do Not Use This Company
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

I have had my card about 2 weeks. I do not deal with banks anymore because of the NSF fees they charge. I requested 2 merchants to refund money they owed me to my NetSpend card. The merchant told me the refund was done, I waited 3 days & tried to use the card & could not. I called NetSpend to find out my card was locked & they required additional documentation, I provided it immediately via email. I received text at 1:55 am confirming the block was removed and I could use the card immediately.

The next day I tried it, transaction was declined. I called NetSpend again to be informed again that my card was locked again due to the 2nd merchant's refund requiring additional information. For the last 4 days I have provided numerous documents, called NetSpend numerous times to be told I need some other documentation, which I have submitted and my card is still locked.

Today I call to ask what it is ultimately going to take to get my card unlocked, my blood, my first-born, what? They said they need the original transaction receipt from 2012. Who has receipts from 2012? This is money I paid to an orthodontist as a down payment then decided not to use them & forgot that I had given them a down payment. Thank God that orthodontist is still open & had my original receipt & was able to email it to me. I submitted it to Netspend, called them to be told there is a 6 hour "processing" time to review my document to see if they will unlock my card.

This is the worst company I have ever dealt with. This company makes even Bank of America look good. When (and if) I ever get my card unlocked, I will immediately withdraw my money and never deal with them again. Do not use this company.

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Money
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

ALBUQUERQUE, NEW MEXICO -- I wish I would have taken the time to read reviews about this card before I decided to put all my money on it. I purchased a card and when I put every dollar I had on it before I got back into my vehicle, I received a text saying my account was into the negative. How is they possible with a prepaid card??? Two charges were charged from a motel stay that I used this card to book the room and a totally different card was used to pay for the room.

I've been waiting since May 11 to get a response. Then they changed it to the 25th and now June 8. I've been given wrong answers, left on hold forever and totally had to deal with the worst customer service ever. Please if you value your time or money take the time to read the reviews. NetSpend is the worst company and the employees can't even speak proper English.

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Terrible Customer Service
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

ALASKA -- I purchased their card in October 2016, I live in a rural town that the U.S. postal service doesn't deliver to my physical address. Nowhere does it say this is a required. I put $500 on said card. First the customer service representative put the wrong physical address in. Not that it mattered because I couldn't prove it was my physical address. They closed my account and said they mailed me my money to my physical address.

Fast forward to December. I still don't have my money back. I spend at least a hour on the phone every time I have called. I have to spend extended time on hold waiting on a supervisor. So now my kids' Christmas is gone. Thought I would start early. They keep giving me the runaround. Never ever use their card. It is fraudulent and customer service is either not trained properly or trained to be misleading. All I would like now is my money back.

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Don't Do It!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

Don't do it guys! I just received a NetSpend prepaid Visa debit card in the mail and was kinda excited 'cause everything looked legit. So I called the 800 number to activate my card and the automated lady asked for my SSN & birth date to "verify my identity." Right there I hung up and went online to do more research. First I checked out their website (reviews) and it caught me off guard that every single review gave at least four stars and were raving about the card and company. Also, the reviewers were "verified," like with a green check next to their name. Not one bad review on the website's page.

So I dug a little deeper and found horror story after horror story about how people's accounts were "locked" and money they had just deposited onto the card disappeared in a matter of seconds. Literally, seconds. I am thanking God right now that I didn't activate this card or even give them my SSN. Who knows what would've happened? Just putting this warning out there. READ THE REVIEWS PEOPLE!! They'll save you!

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NetSpend
StarStarStarStarStarBy -
Rating: 5/51

SEATTLE, WASHINGTON -- NetSpend is linked to your personal information for your protection! I've been with NetSpend since 2007. I have had plenty of issues that were resolved. In 2007, my husband left my card in an ATM at US Bank which ate the card. My available balance was over $4,000 and I was extremely worried. I was told to purchase a new temporary card and they would transfer my balance. That was great! I always get all of my deposits, usually early and have access to my funds.

The only issue that I find negative is the "refer a friend" program which takes about 2 months to get the payment for both parties, but we got our extra $20 each! I have called NetSpend customer service plenty of times, sometimes frantic because my card isn't working. To my relief, NetSpend puts blocks on accounts that have unusual activity and all it takes is a phone call to remove the block. I am extremely happy with Netspend and am sorry for any ill experience one goes through with NetSpend. But I haven't had an experience yet that makes me want to quit NetSpend.

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Dispute a Transaction
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

ARKANSAS -- I filed a dispute on 2 unauthorized transactions, I received no product from the company. NetSpend agreed that the $4.95 transactions was not valid and deposited the funds to my account. I then waited another month for the other transaction of $98.41, and they didn't find any issues with that transaction and withdrew the $98.41 from my account. I am disabled and on a very low income of $840.00 a month. I couldn't believe it!!!

I have had NetSpend since 2007 and have never had my account hacked, except this year 2016. I have had to file disputes 2 other times. The only reason I have kept the card is that it's hard for me to get around to go to a bank and set up a new account. But because of the current issue above I will have to leave NetSpend. It's not a good company but it was easy to for me to get my Social Security money. Easy is not always the reason to have a card with this company they do not fight for their customers but instead agree with them.

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Never Was Able to Access My $100 - Lost It All
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

AUSTIN, TEXAS -- My mother in law purchased the card $2.95 then loaded $100 on to it for Christmas of 2015 (about a year and 2 months ago. I put it in a safe place until I needed it. I figured with the Visa logo I was safe and the card said it expired 11/2019 so I had time. I finally needed the card so I opened the packaging yesterday and tried to activate it online with the secret code on the back. It said, "Call customer service?" So I waited till this morning to call.

Now it's after 4 pm and I still don't have the money. I was asked to give all kinds of personal information (which I REGRET) put on hold, then hung up on several times. When I asked to speak to a manager I was told "they weren't around" then hung up on!

Long story short, I guess they charge you a monthly fee even if you haven't activated the card and deplete all the original funds if you don't use the card within 3 months!!! Even though the outside packaging says no hidden fees, no surprises. It even says this card cannot be used until purchased, loaded and ACTIVATED!!! It was never activated but they used the funds up with fees!!! TOTAL SCAM!!!

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Questionable Practices
StarStarEmpty StarEmpty StarEmpty StarBy -
Rating: 2/51

AUSTIN, TEXAS -- I received a VISA gift card from a friend. The card was issued by NETSPEND and requires activation before use. I attempted to activate this card online, but they require personal info such as birthday and Social Security Number. I am very reluctant to give this information to anyone, especially for a GIFT CARD activation. So I contacted the company and they kept insisting that it's a Federal Law that requires this information to be collected. I asked the representative to give me more information on this "Law" but he couldn't and kept saying it's the law.

So I finally told him that I will be calling the Texas Attorney General's office to find out more about this law and to complain about NETSPEND and he finally agreed to activate my account without my personal info. But the card is activated for limited use, which means that I have to physically go to a store to purchase things, and I can't do any online shopping...and that's just fine with me!

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