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Netspend

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1.4 out of 5, based on 93 ratings and
171 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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Closed Account
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

AUSTIN, TEXAS -- My checking account was closed on my payment date. I made withdrawals totaling $770. I receive $3289 once per month from the Veterans Administration. The next day I attempted to make another withdrawal but my account was blocked. I received an email stating I should call NetSpend to have the block removed which I did. I was told by the representative that the block was removed. However, when I tried to withdraw $200, the account was blocked again. I called again and this time the representative told me my account was closed due to fraud and that they need 4 hours to correct the issues.

During the numerous calls to NS, they claimed my accounts had been hacked and I was not eligible for an account, and that my direct deposit and any funds in my account would be sent back to the VA. I tried to explain that all of the funds in the account were not sent by the VA. I worked with Uber and made a small amount thread direct deposited to my NetSpend account, so how could they send those funds to the VA when that's not where the funds came from. The reps and supervisors said they did not know.

The last thing that NetSpend told me was that the funds would be sent back by May 6. It is May 13 and I still have not received my funds. I call the VA everyday and have been told that no funds have been returned for my account at all. I am a disabled veteran and benefits is the only payment I receive. I'm just not sure who I should contact. The longer this goes on, the longer my bills will not be paid. I know this is a personal problem but something has to be done about NetSpend. Please help.

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

SONORA, CALIFORNIA -- I don't like that I had to give my SS number to a cashier from Western Union with Netspend. My dad sent me money so Western Union decided to use this company so they can upload the money to a debit card. I transferred part of my money to my bank but the stupid card declined the rest of the amount. Fortunately the rest was only $26 dollars. Then I found that there is a fee to cancel your account with them for $5 dollars. The business B should cancel their company. I am going to report this business. They are bunch of theft.

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Great Experience for the Last 6 Years or So!
StarStarStarStarStarBy -
Rating: 5/51

SAN ANTONIO, TEXAS -- I have received my direct deposit via Netspend, for years now. In the 2 times I lost my card, I was grateful to have it immediately replaced with a temporary card, as I waited for the one with my name to come in the mail. Very convenient! I have not experienced the negative issues I see written here, but I will say, I would have never taken the time to write this, had I not stumbled upon this site. I often (shamefully) don't take the time to write positive reviews on the many positive transactions I go through on a weekly basis with businesses.

Even though I have a "traditional checking account", the perks of my Netspend card have kept my business! I do & I have recommended Netspend to others. To all that have had poor experiences with them, I hope your issues have been resolved!

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Seems Like a Scam
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

AUSTIN, TEXAS -- I had been waiting for my HSA debit card to come in the mail for over a month and within a few days I got notice from my bank that it was coming. I received a NetSpend card in the mail which I assumed was the card I had been waiting for as it had my information printed on the card and just had an activation sticker.

I called in to activate it, but the prompts became strange until after typing in all of my personal information, it said there was no money on the card and the automated system was asking for my bank account information. I knew then I was ** up big time. I reported the card stolen to have it "deactivated", but I don't think this is a legitimate company even though the card looks real and has Mastercard logo on it. Don't get scammed like I did!

Company Response 08/03/2017:

Thank you for your feedback. We regret to hear about the issues you experienced with your account. If there is anything we can do to assist you, please feel free to contact us at social@netspend.com. Thank you, NetSpend

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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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