ARKANSAS -- THIS CARD IS HORRIBLE. I purchased a NetSpend debit Visa yesterday from local Fred's. I wanted to pay a bill online without using my own debit or credit card. This had to be my worse mistake which made me feel horrible all day. First I called to activate and the gentlemen which not one I spoke with--which I spoke with three--spoke any English which made it ten times difficult to understand. He asked for my date of birth, address, social security, and name. I IMMEDIATELY said "NO! I don't give this information out like that" which is why there is so much Identity Theft.
Anyways he said "well if you don't give information then I will have to set you as limitless" which I couldn't do anything BUT go inside the store and I told him "You guys are scam artists, rip-offs. I need to pay an important bill and you tell me unless I provide my most prized, personal information then I can't do what I want with the money I loaded onto the card. NO!" SO, he set it limitless. I called back and I was going to bite the bullet and trust the people then the gentlemen I spoke to this time tell me "No you can't change your mind." In other words it's set at limitless and I can't change.
I said "sir I have an important bill to pay. I need this money." "Well we can't change it." So I asked to speak to a supervisor, floor manager, whatever. On hold a long period of time, got hung up on. Call back, spoke with a lady. She said the same thing the second person said. These people are coached and train on what they need to tell people. Finally spoke to someone that was suppose to handle my problem and THEY DIDN'T.
LISTEN. DO NOT GET THIS CARD. FREDS, VISA, WALMART--whoever carry this name--NETSPEND card needs to pull away from them. I will contact every chain that sells this card, and if you've been got by NetSpend contact everyone you can so it doesn't happen to anyone else. NetSpend left a bad taste I'm my mouth and this taste I want out. Horrible business and I don't see why VISA or someone else isn't looking into their practice.
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.
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.
I have been a NetSpend user for a few months and had no issues. However, after trying to use their check deposit function on their mobile app, I had to call customer service. I was trying to cash my parent's Christmas check (drawn on a major financial institution) and had received a message that the writer of the check could not be reached. So I called customer service.
Once on the line with these folks, I began to get suspicious. To cash my father's check, the representative asked me for my father's birth date and his social security number. And this was asked by NetSpend customer service, even though NetSpend contracts the check-cashing service with Ingo. So I am not sure why a NetSpend customer service representative would be asking me this information. I did not give it to him.
I called back today and asked to speak to a supervisor. The representative put me on hold to see if a supervisor was available, and then the call was disconnected. Was it an act of God? Perhaps. Otherwise, I just wanted to caution everyone to be aware of what I have ultimately determined to be an offshore based customer service department for this company. There is no reason that they would need my father's birth date and Social Security number. Shame on you, NetSpend.
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.
FLORIDA -- I got card as gift only to find and that I was charged $5.95 for a month. I didn't even use it. I then tried to use the ATM and was charged a $2 fee plus $1 fee to check the balance. When I tried to call customer service I was charged $0.50 per call to check the balance and then I was charged $1 to use the card at a store to try to get the rest of the money and was charged $1 declined fee because I went over the dollar limit.
I believe this is a scam and they charge you for every transaction so that you would lose money and that's how they make their money. I will be contacting Wal-Mart where the card was purchased as well as the Better Business Bureau. I called twice, I was told the check would be sent to me for the remaining balance of $22 and then it went to $8 and was never sent. The check, now they say, I have to use it and then I will be charged $1 fee for that usage.
MANKATO, MINNESOTA -- I pre-paided at the gas station. Gas station put a hold on my account for $101, I paid $31.92 for gas. The money was supposed to be out back in immediately. Flash forward to 7 days later, I still haven't been reimbursed. I have called customer service on both ends and they claim the money was returned to me. When I talked to NetSpend they didn't care one bit and just kept repeating themselves over and over again. When I asked to talk to the supervisor she just put me on hold and never ever came back. This company is a joke and a scam. I will never get this card again!
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.
PHOENIX, ARIZONA -- The WU NetSpend card is OK, get your money fast. But when you call them they don't ever see a deposit than later on that day your money on your card. There isn't a certain time of day you can expect your money. The time you receive it is all over and is really an inconvenience especially when you need money. I'm going back to a bank, it's better. At least I know my money will be deposited a certain time a day and don't have to wait for them to deposit it at night, morning, afternoon.